Inikua moraki Scotiabank
ʻO ke kūʻai ʻana i kahi home he hoʻokō kālā koʻikoʻi. Ma muli o ka hōʻaiʻē āu e koho ai, hiki iā ʻoe ke hana i ka uku no 30 mau makahiki. Akā he aha ka hopena i kou home inā make koke ʻoe a i ʻole ke kīnā ʻole i ka hana?
He ʻano kulekele ʻinikua ʻo MPI e kōkua ana i kou ʻohana e uku i ka moraki i kēlā me kēia mahina inā ʻoe - ka mea kuleana a me ka mea ʻaiʻē moraki - e make ma mua o ka uku ʻia ʻana o ka moraki. Hāʻawi pū kekahi mau kulekele MPI i ka uhi no ka manawa palena inā nalo ʻoe i kāu hana a i ʻole ke kīnā ma hope o kahi ulia pōpilikia. Ua kapa ʻia kekahi mau ʻoihana he ʻinikua ola moraki no ka mea ke uku wale nei ka hapa nui o nā kulekele i ka wā i make ai ka mea kuleana.
ʻO ka hapa nui o nā kulekele MPI e hana like me nā kulekele ʻinikua ola kuʻuna. I kēlā me kēia mahina, uku ʻoe i ka mea hoʻolako i ka uku o kēlā me kēia mahina. Mālama kēia premium i kāu uhi i kēia manawa a hōʻoia i kou pale. Inā make ʻoe i ka wā o ke kulekele, uku ka mea hoʻolako i ke kulekele i ka pōmaikaʻi make e uhi ana i kekahi helu o nā uku moraki. ʻO nā palena o kāu kulekele a me ka helu o nā uku mahina e uhi ai kāu kulekele e pili ana i kāu kulekele. Nui nā kulekele e hoʻohiki e uhi i ke koena o ka moraki, akā hiki ke hoʻololi ʻia kēia e ka mea hoʻolako. E like me nā ʻano ʻinikua ʻē aʻe, hiki iā ʻoe ke kūʻai a puni no nā kulekele a hoʻohālikelike i nā mea hāʻawi kālā ma mua o ke kūʻai ʻana i kahi hoʻolālā.
Pono anei ka ʻinikua ola moraki ma Kanada?
Ke kūʻai nei ʻoe i hale hou? Aloha oe!! Inā like ʻoe me ka hapa nui o nā Canadians, e lawe ana paha ʻoe i kahi moraki mai kahi panakō. A e hōʻike paha lākou iā ʻoe i ka maʻalahi o ke kūʻai ʻana i ka ʻinikua ola moraki. No laila e kākau inoa ʻoe a hele maikaʻi nā mea a pau. ʻAʻole paha?
ʻO ka ʻōlelo maʻalahi, hāʻawi ʻia ka ʻinikua ola moraki e nā panakō no ka pale ʻana i ka mea hāʻawi i ka wā e make ai ʻoe a ʻaʻole hiki ke hoʻomau i ka uku ʻana i kāu moraki. Hoʻohui ʻia kahi uku i nā uku moraki o kēlā me kēia mahina, a inā make, hāʻawi ʻia kahi uku hoʻokahi manawa e uku ai i ka hōʻaiʻē moraki. ʻAʻole pono e huikau ka ʻinikua ola moraki me ka Mortgage Default Insurance, i hāʻawi ʻia ma o ka CMHC (Canadian Housing and Mortgage Corporation) a koi ʻia inā ʻo ka uku mua o kou home ma waena o 5% a me 19,99% o ka huina kūʻai o ia mea. Manaʻo ʻia he moraki kiʻekiʻe. ʻO nā huahana ʻinikua ola ʻē aʻe a pau i hāʻawi ʻia e kāu panakō he koho.
'Oko'a ka hana 'inikua ola moraki mai ka 'inikua ola no kona ho'ohana 'ana i ka 'ōnaehana uku ho'emi. Ua helu ʻia ka uku ma muli o ka nui o ka moraki a me ka uku mua. Hoʻopili ʻia ka uku (ʻo ka huina i uku ʻia inā make) i ka nui o ka moraki i kū ʻole. No laila, i ka uku ʻia ʻana o ka moraki, ua emi mālie ka uku, akā mau ka uku o kēlā me kēia mahina no ke ola o ka ʻinikua.
Pono anei ka ʻinikua mālama moraki?
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).
ʻinikua moraki vs ʻinikua ola pdf
Akā ʻo ia ka mea a lākou e ʻōlelo ai ke nīnau ʻia e pili ana i ka ʻinikua mālama moraki, e like me ka Anne Marie Thomas o InsuranceHotline.com, kahi kahua hoʻohālikelike inikua. 'inikua ka hapanui o Canadians i kama'āina me, ka mea ia oe e kuai, maʻamau mai ka Canada Mortgage and Housing Corp. (CMHC), ke emi iho ka uku ma lalo o 20 % o ka waiwai home.READ MORE: CMHC Mortgage Insurance Premiums: Eia ka pehea ʻO nā kumukūʻai Rose across Canada e hoʻomaka ana i kēia lā ʻAʻole like me ka ʻinikua moraki i ʻike nui ʻia, ka mea e pale ai i ka poʻe hāʻawi kālā inā paʻa ka hale, ʻo ka ʻinikua pale moraki ke ʻano o ka ʻinikua ola. Uhi i ka aie moraki i ka make a me ke kino kīnā. Ke hoʻomau nei ka moʻolelo ma lalo o ka hoʻolaha
Ho'āʻo maʻamau nā panakō e kūʻai aku i nā mea hale i kēia ʻano ʻinikua ke lawe lākou i kahi moraki hou. Wahi a Thomas, he nui nā mea āna i makemake ʻole ai: 1. Ke iho nei ka uku ʻinikua mālama moraki me ka moraki. 2. ʻO kēia ʻano kulekele e uhi wale ana i ka ʻaiʻē koʻikoʻi, ʻo ia hoʻi, ʻoi aku ka liʻiliʻi o ka uku i ka wā i uku ʻia ai ka moraki. ʻAʻole ʻokoʻa nā kumukūʻai ʻinikua i ka wā o ka ʻinikua HELUHELU MORE: Ua nalowale anei nā ʻaiʻē i uku ʻole ʻia? 2. I ka waiho ʻana i kahi koi, ʻike paha ʻoe ʻaʻole pono ʻoe e uhi i nā kulekele ʻinikua moraki "e kākau mau ʻia ma hope," wahi a Thomas. ʻO ia ke ʻano e nānā wale ka hui ʻinikua i kāu hihia ke waiho ʻoe i kahi koi. A he mea hiki loa ia oe ke ike i kekahi mea e pili ana i kou kulana pili i ka uhaki ana i ka aelike inikua, e waiho ana i kou ohana me ka uhi ole i ka wa pono e pono ai oe. ʻaʻohe mea e hiki ke hoʻokaʻawale iā ʻoe mai ka uhi ʻana, ua ʻōlelo ʻo Thomas. E noonoo hou3. Pono ka 'inikua palekana moraki e hoʻololi i kāu kulekele i ka hopena o kāu manawa moraki, wahi a Thomas. Hoʻomau ka moʻolelo i ka hoʻolaha aʻe
