Helu helu moraki no 50s
ʻAʻole i loaʻa i ka ʻike i hāʻawi ʻia ma kēia pūnaewele nā kikoʻī āpau āu e pono ai e koho i kahi moraki. E ʻoluʻolu e heluhelu i ke kiʻi ʻokoʻa ʻo Key Facts ma mua o ka hoʻoholo ʻana. ʻAʻole hoʻoponopono ka FCA i kekahi mau ʻano o nā moraki kūʻai-i-ʻae.
Inā he hoʻopiʻi a hoʻopaʻapaʻa paha kāu me mākou, aia iā ʻoe ke kuleana e waiho i kahi koi. Loaʻa iā mākou kahi kaʻina hana hoʻopiʻi hiki iā ʻoe ke noi. Inā makemake ʻoe e hoʻopiʻi, e ʻoluʻolu e kelepona mai iā mākou ma ke kākau ʻana, ma ke kelepona a i ʻole ka leka uila. Hiki iā ʻoe ke hōʻoiaʻiʻo e mālama koʻikoʻi mākou i nā hoʻopiʻi. No kou pale ʻana, inā ʻaʻole hiki iā ʻoe ke hoʻoholo i kāu hoʻopiʻi me mākou, hiki iā ʻoe ke kuleana e kuhikuhi iā ia i ka Financial Ombudsman Service (FOS).
He ʻelele i koho ʻia ʻo Bespoke Mortgage & Finance Center Ltd no Sesame Ltd, i ʻae ʻia a hoʻoponopono ʻia e ka Financial Conduct Authority. FCA kakau inoa 498914. Kakau ma Enelani a me Wales ma lalo o ka helu: 06864018. Keena kakau: 25 Morgan Close, Yaxley, Peterborough, PE7 3GE. Hiki ke hoʻopaʻa ʻia nā kelepona no ke aʻo ʻana a me ka nānā ʻana.
Hiki i kahi 60 makahiki ke loaʻa i kahi moraki 30 makahiki?
Inā ʻoe e ʻimi nei i ke kōkua kālā i ka home Victorian o kāu mau moeʻuhane, ka hoʻonui ʻana i ka waiwai o kahi home āu i noho ai no nā makahiki, a i ʻole ka hoʻohana ʻana i nā uku paneʻe e mau ana i nā haʻahaʻa haʻahaʻa, e kahaha paha ʻoe i ke ʻano o kēlā. waiwai nā mea hōʻaiʻē moraki i ka poʻe ʻaiʻē kahiko.
- He pilikia ka loaʻa ʻole ʻana o ka aie. Ua ʻōlelo ʻo Greg McBride, ka mea loiloi kālā nui ma Bankrate, ʻo kahi pilikia i manaʻo ʻole ʻia ʻo ia ka loaʻa ʻole o ka helu ʻaiʻē inā ʻaʻole ʻoe i ʻaiʻē hou. “Ma mua, ua ʻimi lākou e hoʻomaha me ka ʻole o ka aie. Hiki iā ʻoe ke loaʻa kahi moʻolelo hōʻaiʻē maikaʻi, akā inā ʻoe i waho o ka pāʻani hōʻaiʻē-ʻaʻole helu nā kāleka hōʻaiʻē, a ua uku ʻoe i ka hōʻaiʻē kaʻa, uku i ka moraki-ʻaʻohe hana hou e hāʻawi iā ʻoe i kahi. helu helu. ʻO ia kekahi o nā kumu e hoʻohana ai i kahi kāleka hōʻaiʻē inā ʻoe e uku piha i kēlā me kēia mahina, no ka loaʻa ʻana o nā laina ʻaiʻē e hōʻike ana i ka mōʻaukala aie o kēia manawa. Hiki i ka helu ʻaiʻē maikaʻi ke ʻae ʻia ʻoe no kahi ʻano hōʻaiʻē maikaʻi.
- Loaʻa ka loaʻa kālā hoʻomaha. Hoʻomaka pinepine nā noi moraki me nā nīnau loaʻa kālā e kākau ai pehea e uku ʻia ai nā mahina. Ma kahi o ka stub uku a ka mea hana a me W-2, hiki i ka poʻe hoʻomaha ke hāʻawi i kahi palapala palekana Social Security a penikala paha. ʻO nā kumu o ka loaʻa kālā, ʻaʻole like me kāu helu ʻaiʻē, ʻaʻole pili i ka helu ʻana i ka nui o ka aie āu e lawe ai, e like me ka ʻōlelo a Bill Banfield, ka Hope Pelekikena Nui o Capital Markets ma Quicken Loans: "ʻAʻohe o mākou alakaʻi ʻokoʻa e pili ana i ka ʻoihana. a i ʻole ka hana. ʻO Fannie Mae lāua ʻo Freddie Mac, ʻo ia ka mea i hoʻonohonoho nui i nā maʻamau no ka mākeke moraki lua, ʻo ia ka mea maʻamau e koi i nā lilo o ka hale a me ka ʻaiʻē (me ka ʻauhau waiwai a me ka ʻinikua o ka mea hale) ʻaʻole ʻoi aku ma mua o 50% o ka loaʻa kālā.
Hiki iaʻu ke loaʻa kahi moraki 30 makahiki i ka makahiki 55?
ʻIke ʻia ka ulu ʻana o ka poʻe kūʻai home mua loa ma Australia a me New Zealand, ʻoiai ʻo ka hui pū ʻana o ka piʻi ʻana o nā hoʻolimalima a me nā kumukūʻai haʻahaʻa haʻahaʻa e lilo ai ke kūʻai hale i mea ʻoi aku ka maikaʻi. Akā pehea ka nui o ka makahiki i ka wā e hoʻoholo ai nā mea hāʻawi kālā i kāu hiki ke hōʻaiʻē? E heluhelu no ka ike.
ʻAʻole ʻo ka poʻe ʻōpio kūʻai i ko lākou home mua wale nō ka pilikia i ke komo ʻana i ka waiwai. ʻOi aku ka nui o nā mea kūʻai hale mua ma waena o nā makahiki 30 a me 50 e komo i ka heihei. A, ʻoiai ʻaʻohe palena o ka makahiki kiʻekiʻe loa i ka wā e pili ana i nā hōʻaiʻē moraki, ʻo ka ʻoiaʻiʻo ʻo ka ʻae ʻia ʻana no kahi hōʻaiʻē moraki ʻoi aku ka paʻakikī i ka wā kahiko.
ʻOiai ʻaʻole hoʻokae ka poʻe hāʻawi kālā ma ke kumu o ka makahiki, pono lākou e hōʻoia e hoʻokō ʻia nā pae hoʻolimalima maʻamau, me ka ʻole o ka makahiki. ʻOiaʻiʻo, he mea nui ka loaʻa ʻana o ka loaʻa kālā paʻa i ka hiki ke uku i kāu uku i ka manawa, hiki ke hopohopo i nā mea hāʻawi kālā inā e noʻonoʻo ʻoe e hoʻomaha i kekahi mau makahiki.
Hiki iaʻu ke loaʻa i kahi moraki i ka makahiki 55?
Inā ʻoi aku ʻoe ma mua o 50, manaʻo paha ʻoe he liʻiliʻi kou manawa e loaʻa ai kahi moraki, akā aia maoli nā tausani o nā huahana moraki ma UK e wehe ʻia ana i nā mea hōʻaiʻē ma luna o 50. A i ʻole ʻaʻole paha ʻoe i kūʻai i hale a ʻo ʻoe kekahi o ka nui o nā makahiki he 50 e kūʻai mai ana no ka manawa mua… ʻoi aku ka maʻamau o ka loaʻa ʻana o kahi moraki no nā makahiki he 50 ma mua o kou manaʻo, akā ma mua o ke kau inoa ʻana i kahi ʻaelike hiki iā ʻoe ke kaupalena i kāu kālā e hiki mai ana, e kaupaona i kāu mau koho, e ʻimi i ka ʻaelike kūpono loa, a e nānā ʻia kāu ʻaelike e kekahi loea hilinaʻi. kanaka ma luna o 50 makahiki.
Inā makemake ʻoe i kahi moraki amortization maʻamau, kahi pānaʻi uku pānaʻi wale nō, a makemake paha e komo i ke kaulike ma kou home o kēia manawa, aia paha kahi hopena e kōkua iā ʻoe e loaʻa ke kālā āu e pono ai. a me ke kālā kūpono. ʻO kou hauʻoli i ke kālā aia iā ʻoe.
