He aha ka manaʻo o 100% kālā?
Waihona. Hoʻomaka ka makaʻu i ka poʻe kūʻai hale. ʻO ia kekahi o nā māhele kūkākūkā nui o ke kūʻai ʻana i home, a ʻo nā makahiki e mālama ai ʻo ia paha ka mea paʻakikī loa o ke kūʻai ʻana i home. A ʻo ka nīnau nui loa e pili ana i ka waihona: ʻehia ka nui o ka waihona e pono ai iaʻu? E nānā kākou.
ʻO nā moraki i hoʻopaʻa ʻia he pilikia loa, ʻoi aku hoʻi no nā mea hōʻoiaʻiʻo iā lākou iho. ʻO kēia no ka mea inā ʻaʻole hiki iā ʻoe ke uku i ka moraki, na nā mea hōʻoia e uku iā ʻoe. Hiki i kēia ke alakaʻi i ka nalo ʻana o ka home a loaʻa nā pilikia kālā koʻikoʻi nā mea hoʻohiki.
No ka mea he hōʻaiʻē ka moraki, loaʻa ka ukupanee. ʻO ka ukupanee haʻahaʻa, ʻoi aku ka maʻalahi o kāu moraki, e mālama ana i nā uku a me ka manaʻo e hoʻolilo ʻoe i kāu kūʻai home holoʻokoʻa.
Loaʻa nā moraki me ka maikaʻi loa - ka haʻahaʻa loa - ka uku ukupanee inā loaʻa iā ʻoe kahi waihona nui. No laila, ʻo kahi waihona 20% e ʻae iā ʻoe e kiʻi i kahi moraki haʻahaʻa haʻahaʻa ma mua o kahi moraki e hiki ai iā ʻoe ke loaʻa kahi waihona 10%.
Eia kekahi, e hoʻomanaʻo i kēia. ʻO kahi waihona o 15% a me kahi waihona o 17% e hāʻawi iā ʻoe i ke komo i nā makana like. E loaʻa iā ʻoe nā makana maikaʻi aʻe inā piʻi ʻoe i 5% a hiki i 20%. ʻAʻohe wahi liʻiliʻi - wehe ʻia nā makana maikaʻi i kēlā me kēia manawa i hiki ai kēia mau milestones, 10%, 15%, 20% a pēlā aku.
100% hoʻolimalima hale kūʻai mua
Ke kūʻai ʻana i kahi home, ʻo kekahi o nā lilo nui loa i mua o ka uku. ʻAʻole e huikau me nā kumukūʻai pani, ʻo ka uku i lalo ka ʻāpana o ke kumukūʻai kūʻai i uku ʻia i mua i ka manawa o ka pani ʻana. ʻO ka maʻamau, inā ʻoe e uku liʻiliʻi i ke kālā ma kahi home i ka pani ʻana, e uku hou ʻoe i nā uku a me ka ukupanee ma ke ola o ka hōʻaiʻē (a me ka hope).
ʻO ka nui āu e koho ai ma ke ʻano he uku hoʻohaʻahaʻa e kōkua i ka mea hāʻawi aku e hoʻoholo i ka nui o ke kālā e hāʻawi ai iā ʻoe a me ke ʻano o ka moraki i kūpono no kāu mau pono. Akā he aha ka uku kūpono no ka uku hoʻohaʻahaʻa? ʻO ka uku liʻiliʻi e lilo ana ʻoe i ka ukupanee a me nā uku i ka manawa. Hiki i ka nui ke hoʻopau i kāu waihona a i ʻole ka hopena maikaʻi ʻole i kou olakino kālā no ka wā lōʻihi.
Ke ʻae ʻia ʻoe no kahi moraki, e haʻi ka mea hāʻawi iā ʻoe i ka nui o ka hōʻaiʻē hiki iā ʻoe ke kūpono, ma muli o nā pane i kāu noi. Nīnau ka palapala moraki i kāu nui o ka uku hoʻohaʻahaʻa, ka loaʻa kālā, ka hana, nā aie, a me nā waiwai. Nānā pū ka mea hāʻawi i kāu hōʻike hōʻaiʻē a me ka helu ʻaiʻē. Hoʻopili kēia mau mea āpau i ka hoʻoholo a ka mea hāʻawi aku inā e hāʻawi kālā iā ʻoe e kūʻai i hale, i ka nui, a me nā huaʻōlelo.
100% kālā moraki mai ka hui ʻaiʻē
ʻO ka hapa nui o nā mea hāʻawi kālā e koi iā ʻoe e uku iā Lenders Mortgage Insurance (SMI) inā hāʻawi lākou iā ʻoe ma mua o 80% o ka waiwai o ka waiwai. Ua wehewehe mākou i ʻeono mau ala e ʻae ʻia ai no kahi hōʻaiʻē home ʻaʻohe waihona. ʻAʻole koi kekahi o kēia mau koho iā ʻoe e uku iā LMI.
ʻO kēia ka koho hōʻaiʻē home ʻaʻohe waiho kālā maikaʻi loa i loaʻa ma Australia. Me kahi hōʻaiʻē home i hoʻopaʻa ʻia, e hoʻopaʻa ʻia kahi mea hōʻoia (ma ka hapa nui o kou mau mākua) i kā lākou waiwai i mea hōʻaiʻē i hiki iā ʻoe ke lawe i kahi hōʻaiʻē waiho ʻole.
ʻO kekahi poʻe hāʻawi kālā e ʻae i kahi waihona hōʻaiʻē a ʻaʻole koi i ka mālama kālā maoli, akā makemake paha ʻoe i kāu kālā ponoʻī e uhi i ka dute stamp a me nā lilo ʻē aʻe. Inā ʻaʻohe āu waihona ponoʻī, ʻaʻole paha e ʻae ʻia ʻoe no kahi hōʻaiʻē.
Nui nā koho hōʻaiʻē moraki ʻole. Eia nō naʻe, ua ʻike mākou i ka wā e loiloi ai mākou i ke kūlana pilikino o ka mea hōʻaiʻē, ʻoi aku ka maikaʻi loa o nā hōʻaiʻē home.
ʻAʻohe hōʻaiʻē waiho i lilo i koho maikaʻi no nā poʻe he nui ʻole ke kālā e hāʻawi i kahi moraki. ʻO kekahi o nā pōmaikaʻi nui o ka hoʻohana ʻana i kahi mea hōʻoia e loaʻa ai kahi hōʻaiʻē moraki me ka ʻole o ka waiho ʻana:
Moraki me ka 100 pakeneka kālā
ʻO ka mea maʻamau, pono nā mea hāʻawi kālā ma kahi o 5% waihona e hāʻawi i kahi moraki. ʻO ka waiho kālā kiʻekiʻe e hiki iā ʻoe ke loaʻa i nā mea hōʻaiʻē a me nā huahana hou aʻe, a me nā kumukūʻai ʻoi aku ka maikaʻi; akā naʻe, ʻaʻole kēia he koho no nā mea kūʻai mua i ka mākeke o kēia lā. No ka poʻe hiki ʻole ke mālama i kahi waihona, a i ʻole ka poʻe makemake e komo koke i ka home, aia kekahi mau ala ʻē aʻe e pili ana i kahi waihona liʻiliʻi loa, a ʻaʻole loa he waihona, He aha ka 100% moraki? ʻO kahi moraki 100%, ma nā ʻōlelo maʻalahi, he hōʻaiʻē e uhi ana i ka waiwai piha o ka hale e kūʻai ʻia, me ka ʻole o ka pono e mālama i kāu waihona. He mea koʻikoʻi ia e hoʻomaopopo ʻoiai he mea ʻoluʻolu paha kēia, ʻoi aku hoʻi i nā mea kūʻai mua, ʻo kahi moraki 100% (e hoʻohana ana i kahi mea hoʻolako hoʻokahi e hāʻawi i ke kumukūʻai kūʻai holoʻokoʻa) he mea kakaikahi a ʻaʻole i loaʻa ma ka mākeke i kēia manawa. Manaʻo pinepine ka poʻe hāʻawi kālā i kahi moraki me kahi waihona 0% he hoʻopukapuka pilikia loa.
