Hōʻoiaʻiʻo ʻae ʻia ka moraki
Laʻana – Ua noi ʻo Mom and Dad's Bank Joe no ke kālā kaʻa me ka hōʻoia o kona mau mākua ʻo Mike lāua ʻo Betty. ʻEiwa mahina ma hope mai, hoʻōki ʻo Joe i ka uku. Ua koi ʻia ʻo Mike lāua ʻo Betty e ka mea hāʻawi kālā e uku i kā Joe hōʻaiʻē kaʻa a me kahi hōʻaiʻē pilikino a lākou i ʻike ʻole ai. Ho'āʻo ʻo Mike e koi, akā ʻōlelo ka mea nāna e hāʻawi aku he hōʻoiaʻiʻo "nā aie āpau" e uhi i nā aie āpau a Joe. Waiho ʻo Betty i kahi hoʻopiʻi me ka ʻōnaehana hoʻoholo hoʻopaʻapaʻa a ka mea nāna e hāʻawi aku, a ʻike ʻia ʻaʻole i haʻi aku ka mea hāʻawi iā Mike lāua ʻo Betty e pili ana i ka hōʻaiʻē pilikino a i ʻole e hōʻoia i hiki iā lāua ke hōʻoia i kēia aie hou. Kauoha ka ʻōnaehana i ka mea hāʻawi kālā e hoʻopau i ka hōʻaiʻē. ʻO ia hoʻi, pono ʻo Mike lāua ʻo Betty e hoʻomau i ka uku ʻana i ka hōʻaiʻē kaʻa, akā ʻaʻole ʻo Joe ka hōʻaiʻē pilikino.
Pilikia uku1. E hoʻokaʻaʻike aku i ka mea hāʻawi kālā Inā hana hewa ka mea hāʻawi kālā, hiki iā ʻoe ke hoʻololi a hoʻopau paha i kāu hōʻaiʻē. Ma mua o kou hoʻopili ʻana, e heluhelu i kā mākou ʻike ma: Hiki i ke kākāʻōlelo kālā manuahi ke kōkua iā ʻoe e hoʻokaʻaʻike a kamaʻilio paha i ka mea hāʻawi iā ʻoe. E hoʻomaka ma ke kelepona ʻana i ka laina kōkua ʻo MoneyTalks manuahi
Hoʻopaʻa moraki 2013
Ua hoʻomaka ʻo Morgan a me kahi hui o nā hoaaloha i kahi hui e kūʻai i nā waiwai hoʻopukapuka. Ua hāʻawi ka panakō i ka ʻoihana i kahi hōʻaiʻē me ke ʻano e hoʻopaʻa ʻia e kahi moraki ma nā waiwai a me kahi palapala hōʻoia palena ʻole. Ua helu ʻia ka palapala hōʻoia i ka hui a me kēlā me kēia mea kuleana ma ke ʻano he mea kūʻai aku a me nā mea hōʻoia. ʻO ia ke kuleana o kēlā me kēia o nā mea hōʻoia no ka ʻaiʻē a ka mea kūʻai aku i ka panakō.
Ua ʻae ʻo Tony e hōʻoiaʻiʻo i kahi hōʻaiʻē i lawe ʻia e kahi hui i alakaʻi ʻo ia. Ua haʻalele ʻo ia ma ke ʻano he alakaʻi. Ua pilikia ka hui a ʻaʻole hiki ke uku i ka hōʻaiʻē. Ua koi ka panakō iā Tony e hoʻihoʻi i ka deficit, akā ua hoʻopaʻapaʻa ʻo ia i kāna kuleana.
ʻO ka hoʻoholo ʻana i ka hāʻawi ʻana he mea maʻamau ia no ka hoʻoholo ʻana i ka ʻoihana no nā panakō, kahi mea ma mua o ko mākou mana noiʻi. Eia nō naʻe, hiki iā mākou ke noiʻi i nā hewa clerical i ke kaʻina noi hōʻaiʻē. Hoʻopili kēia i nā hoʻopiʻi e pili ana i kahi…
Ke Kaʻina Hana Hoʻololi Pono ʻoe e noi no kahi moʻokāki kāleka hōʻaiʻē ma ka panakō hou inā ʻaʻole ʻoe i loaʻa. E loiloi ʻia ʻoe e like me nā koina hōʻaiʻē o ka panakō. E nānā i kāu aie ma mua o kou noi ʻana e hōʻoia i ka loaʻa ʻana o nā kūʻai a i ʻole nā uku mai kāu ʻōlelo hope. E ʻoluʻolu, ʻaʻole ʻike ʻia ka ukupanee i loaʻa i ka mahina o kēia manawa.
Palapala moraki
ʻO ka hōʻaiʻē hōʻaiʻē, ma ke kālā, he ʻōlelo hoʻohiki ia e kekahi ʻaoʻao (ka mea hōʻoia) e lawe i ka ʻaiʻē a ka mea hōʻaiʻē inā hōʻole ka mea hōʻaiʻē. Hiki ke kaupalena ʻia a palena ʻole paha ka mea hōʻoiaʻiʻo, e hoʻopiʻi i ka mea hōʻoia no ka hapa a i ʻole ka ʻaiʻē a pau.
He mea kaulana loa ia i nā ʻōpio ʻōpio ʻaʻohe waihona kālā nui i mālama ʻia a pono e hōʻaiʻē a hiki i 100% o ka waiwai o ka waiwai e kūʻai ai ia [citation needed] ʻO ka mea maʻamau, e hāʻawi ko lākou mau mākua i kahi hōʻoia i ka mea hāʻawi e uhi i kekahi. pōkole inā he paʻamau.
Hiki ke hoʻohana ʻia ka huaʻōlelo e pili ana i ke aupuni e manaʻo ana he ʻaiʻē pilikino inā hōʻole ka mea hōʻaiʻē. Hoʻokumu ʻia ka hapa nui o nā papahana hōʻaiʻē no ka hoʻoponopono ʻana i nā hemahema o ka mākeke e hiki ai i ka poʻe hōʻaiʻē liʻiliʻi, me ka nānā ʻole i ko lākou pono ʻaiʻē, nele i ka loaʻa ʻana i nā kumuwaiwai hōʻaiʻē i loaʻa i nā mea hōʻaiʻē nui[2].
No ka laʻana, ʻo Chrysler Corporation, kekahi o nā "nui ʻekolu" US automakers, i loaʻa i kahi hōʻoia hōʻaiʻē i ka makahiki 1979 ma waena o kona hāʻule ʻana a me ke koi ʻana mai nā pono hana. Hāʻawi ʻia nā hōʻaiʻē e nā mea hōʻaiʻē pilikino me ka hoʻopaʻapaʻa e uku ke aupuni i nā hōʻaiʻē inā hōʻole ka ʻoihana. ʻAʻole paʻa ʻo Chrysler. ʻO kekahi laʻana, ʻo ia ka hoʻokumu ʻia ʻana o ka Emergency Loan Guarantee Board no ka mālama ʻana i $250 miliona i nā hōʻoia hōʻaiʻē aupuni o ʻAmelika i hana ʻia i nā mea hōʻaiʻē pilikino ma ka inoa o Lockheed i ka makahiki 1971. Ua pau ka papahana i ka makahiki 1977 i ka wā i hoʻoponopono hou ai ʻo Lockheed i kāna aie me kāna 24 mau waihona kālā. ʻOi aku ma mua o $ 30 miliona i nā uku hoʻopaʻa koʻikoʻi i uku ʻia e Lockheed a me kāna mau mea hāʻawi kālā i ka papa i hana ʻoi aku ma mua o $ 29 miliona i hoʻoili ʻia i ka waihona kālā US. [3]
Polokalamu Hoʻopaʻa Moraki
ʻO ka hōʻaiʻē i hoʻopaʻa ʻia he hōʻaiʻē i hōʻoiaʻiʻo ʻia e ka ʻaoʻao ʻekolu - a i ʻole e manaʻo i ke kuleana no ka ʻaiʻē - inā ʻaʻole ka mea ʻaiʻē. I kekahi manawa ua hoʻopaʻa ʻia kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena aupuni, nāna e kūʻai i ka ʻaiʻē mai ka ʻoihana kālā hōʻaiʻē a lawe i ke kuleana no ka hōʻaiʻē.
Hiki ke hana ʻia kahi ʻaelike hōʻaiʻē i hoʻopaʻa ʻia inā he moho maikaʻi ʻole ka mea hōʻaiʻē no kahi hōʻaiʻē panakō maʻamau. He ala ia no ka poʻe makemake i ke kōkua kālā e hoʻopaʻa kālā inā ʻaʻole hiki iā lākou ke kūpono iā lākou. A ʻo ka hōʻoiaʻiʻo ʻo ia ka mea ʻaʻole e loaʻa i ka mea hāʻawi i ka pilikia nui i ka wā e hāʻawi ai i kēia mau hōʻaiʻē.
Nui nā ʻano o nā hōʻaiʻē paʻa. ʻO kekahi mau ala palekana a hilinaʻi hoʻi e loaʻa ai ke kālā, akā ʻo nā mea ʻē aʻe e pili ana i nā pilikia e pili ana i nā uku ukupanee kiʻekiʻe. Pono nā mea hōʻaiʻē e nānā pono i nā ʻōlelo o kekahi hōʻaiʻē paʻa a lākou e noʻonoʻo nei.
ʻO kahi laʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia he moraki paʻa. I ka hapanui o nā hihia, ʻo ke kolu o ka ʻaoʻao e hōʻoiaʻiʻo ana i kēia mau hōʻaiʻē moraki ʻo ka Federal Housing Administration (FHA) a i ʻole ke Keʻena ʻOihana Veterans Affairs (VA).
