ʻAʻole i uku ʻia nā moraki ma Kanada
E makaʻala i nā moraki ʻelua "Piggyback" Ma ke ʻano he ʻokoʻa i ka ʻinikua moraki, hiki i kekahi mau mea hāʻawi kālā ke hāʻawi i ka mea i kapa ʻia ʻo "piggyback". E hoʻohālikelike mau i ka huina kālā ma mua o ka hoʻoholo hope. E aʻo hou e pili ana i nā moraki lua. Pehea e loaʻa ai ke kōkua Inā ʻaʻole ʻoe ma hope o kāu moraki, a i ʻole e pilikia ana i ka uku ʻana, hiki iā ʻoe ke hoʻohana i ka mea hana CFPB Find a Counselor no ka papa inoa o nā keʻena aʻoaʻo hale ma kou wahi i ʻae ʻia e HUD. Hiki iā ʻoe ke kelepona i ka HOPE™ hotline, wehe i nā hola 24 o ka lā, ʻehiku lā o ka pule, ma (888) 995-HOPE (4673).
ʻAi ʻole ka moraki ma Ontario
E pani ʻia nā keʻena o Coast Capital i ka Pōʻaono Mei 21 a me ka Pōʻakahi Mei 23 no ka lā lanakila. No kou ʻoluʻolu, e wehe ʻia kā mākou Hale Kūkākūkā ma ka Pōʻaono, Mei 21 a me ka Lāpule, Mei 22 mai ka hola 9 a.m. a i ka hola 17:30 p.m. PT.
Ua koi ʻia ka ʻinikua paʻa moraki e ke Aupuni o Kanada no nā moraki inā ʻoi aku ka nui o kahi hōʻaiʻē ma mua o 80% o ke kumukūʻai kūʻai (a i ʻole ka waiwai i koho ʻia) o kahi waiwai noho. 'O ia ho'i, hiki i ka Coast Capital ke hā'awi wale i ka moraki i ka po'e nona ka hale me ka emi iho o ka 20% o ka uku i lalo ke ho'opa'a 'ia ka moraki e ka 'inikua pa'amau moraki.
He mea nui nō hoʻi e hoʻomanaʻo ʻaʻole mālama ka ʻinikua paʻa moraki i ka mea nona ka hale a ʻaʻole pono e huikau me ka ʻinikua ola a i ʻole ke kino kīnā, no ka pale o ka mea nona ka hale.
Ma Kanada, hāʻawi ʻia ka ʻinikua moraki e ka Canadian Housing and Mortgage Corporation (CMHC), Sagen a me Canada Guaranty. Hoʻoholo ʻo Coast Capital i ka mea hoʻolako moraki e hoʻohana; akā naʻe, hoʻoholo ka mea hoʻolaʻa moraki inā e hoʻopaʻa i kekahi moraki. Inā hōʻole ka mea hoʻolimalima moraki e hāʻawi i ka ʻinikua paʻa moraki, ʻaʻole hiki i ka Coast Capital ke hāʻawi i ka hōʻaiʻē moraki ke ʻole kekahi o nā mea hoʻolaʻa moraki e makemake e hoʻopaʻa i ka moraki a i ʻole hiki i ka mea hale ke kau i ka 20% uku.
ʻO ka ʻinikua hoʻopaʻa moraki ma Ontario
Ua koi ʻia ka ʻinikua paʻa moraki e ke Aupuni o Kanada i ka wā i hoʻohaʻahaʻa ai ka poʻe kūʻai hale ma lalo o ka 20% o ka uku hoʻohaʻahaʻa e koi ʻia no ka loaʻa ʻana o kahi moraki maʻamau. Hoʻopiʻi kēia ʻano ʻinikua i nā mea hōʻaiʻē moraki no nā poho i hoʻokumu ʻia e ka paʻa ʻole o ka moraki. ʻO ke kumu maʻamau o ka hoʻopaʻa ʻole ʻana ʻaʻole i ka uku moraki.
No ke kūpono ʻana i ka ʻinikua paʻamau moraki, pono ʻoe e hoʻokō mua i nā koi o ka hōʻaiʻē ʻana o kāu panakō, a me nā lula underwriting o kāu mea hoʻolimalima moraki. Hāʻawi ʻia ka ʻinikua e kekahi mau mea hōʻoia moraki, me ka Canada Mortgage and Housing Corporation (CMHC).
Helu helu ʻinikua paʻamau moraki
He moʻolelo ia e pono ai ʻoe e hāʻawi i kahi uku hoʻohaʻahaʻa he 20% ma ke kumukūʻai kūʻai o kahi home e loaʻa ai kahi moraki. Hāʻawi nā mea hāʻawi kālā i nā papahana hōʻaiʻē me nā koi haʻahaʻa haʻahaʻa e kūpono i nā ʻano kālā like ʻole a me nā pono. Eia naʻe, inā koho ʻoe i kēia ala, pono ʻoe e uku no ka ʻinikua moraki pilikino (PMI). Hiki i kēia lilo hou ke hoʻonui i ke kumukūʻai o nā uku moraki i kēlā me kēia mahina a ʻoi aku ka nui o ke kumukūʻai o ka hōʻaiʻē. Eia nō naʻe, ʻaneʻane hiki ʻole ke pale ʻia inā ʻaʻole ʻoe e uku i lalo o 20% a ʻoi aku paha i mālama ʻia.
ʻO ka PMI kahi ʻano o ka ʻinikua moraki e koi pinepine ʻia ka poʻe kūʻai aku e uku ma kahi hōʻaiʻē maʻamau i ka wā e uku ai lākou ma lalo o 20% o ke kumukūʻai kūʻai o ka home. He nui nā mea hāʻawi kālā e hāʻawi i nā papahana uku haʻahaʻa, e ʻae i ka liʻiliʻi e like me ka 3% uku. ʻO ke kumukūʻai o ia maʻalahi ʻo ia ka PMI, ka mea e pale ai i ka hoʻopukapuka kālā o ka mea hāʻawi i ka wā i hoʻopaʻa ʻole ʻoe i kāu moraki, i ʻike ʻia he paʻamau. I nā huaʻōlelo ʻē aʻe, hoʻopiʻi ka PMI i ka mea hāʻawi, ʻaʻole ʻoe.
Kōkua ʻo PMI i ka poʻe hāʻawi kālā e hoʻihoʻi hou i ke kālā inā he paʻamau. ʻO ke kumu e koi ai ka poʻe hāʻawi kālā i ka uhi no nā uku haʻahaʻa ma lalo o 20% o ke kumukūʻai kūʻai no ka mea he kuleana liʻiliʻi kāu i kou home. Hāʻawi ka poʻe hāʻawi kālā iā ʻoe i ke kālā hou aʻe a no laila ke kū nei ʻoe e lilo hou inā ʻaʻole ʻoe e uku i nā makahiki mua o ka noho ʻana. ʻO nā hōʻaiʻē i hoʻopaʻa ʻia e ka Federal Housing Administration, a i ʻole nā hōʻaiʻē FHA, pono pū kekahi i ka ʻinikua moraki, akā ʻokoʻa nā alakaʻi ma mua o nā hōʻaiʻē maʻamau (ʻoi aku ma hope).
