Nā kuleana o ka mea mālama
Ua ʻike mākou e hiki ke hoʻopaʻa ʻia nā hōʻaiʻē a hiki i 5 mau makahiki (60 mahina) a hiki i ka hapalua o ke ala e hoʻoholo ai ʻaʻole ʻoe makemake e hoʻomau i ke komo ʻana a ʻaʻole ʻoe i pili hou i ka pilina me ka mea āu e hōʻoiaʻiʻo nei. Eia naʻe, ke lilo ʻoe i mea hōʻoia no lākou, ʻaʻole hiki iā ʻoe ke hoʻololi i kēia.
ʻAʻole naʻe. ʻO ke kumu ʻaʻole hiki iā ʻoe ke wehe ʻia mai ka ʻaelike hōʻaiʻē no ka mea he mea koʻikoʻi ka mea nāna e hōʻoia i kahi hōʻaiʻē i ke kaʻina noi. ʻO ka mōʻaukala hōʻaiʻē o ke kanaka, ko lākou hiki ke uku, ko lākou kūlana hana, ko lākou mau makahiki a me ko lākou wahi he mau mea ia e hoʻohuli ai i ka ʻae ʻana o ka hōʻaiʻē, kona nui a me kona lōʻihi. Inā hoʻololi ʻia ʻoe e kekahi mea ʻē aʻe, ʻaʻole like lākou i nā hōʻoia like a e hoʻololi kēia i ka pilikia no ka mea hāʻawi.
ʻAʻole, e like me ka mea i ʻōlelo ʻia ma luna, ʻo ka ʻae ʻana i ka hōʻaiʻē a me ka nui āu e hiki ai ke hōʻaiʻē ma muli o ka nānā hope o ka mea hoʻohiki. No laila, inā ʻoe e hoʻololi i kahi ʻē aʻe, loaʻa paha iā lākou ke kūlana hana ʻokoʻa, ka mōʻaukala aie, a me ka hiki ke loaʻa, no laila inā ʻo lākou kāu mea hōʻoia mua, ʻokoʻa paha nā ʻōlelo hōʻaiʻē a i ʻole ʻaʻole i loaʻa kālā.
Pehea e wehe ai i ka hōʻoia o ka hōʻaiʻē kaʻa
Laʻana – Ua noi ʻo Mom and Dad's Bank Joe no ke kālā kaʻa me ka ʻae ʻana 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 ʻaiʻē āpau a Joe. Waiho ʻo Betty i kahi hoʻopiʻi me ka ʻōnaehana hoʻoholo hoʻopaʻapaʻa a ka mea nāna e hāʻawi aku, e hoʻoholo ana ʻaʻole i haʻi aku ka mea hāʻawi iā Mike lāua ʻo Betty e pili ana i ka hōʻaiʻē pilikino a hōʻoia paha e 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, ʻaʻole naʻe i ka hōʻaiʻē pilikino a Joe.
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
Ka pilikia o ka mea hoʻohiki
ʻO kā mākou pahuhopu ka hana ʻana i kā mākou pūnaewele e like me ka hiki. Eia nō naʻe, inā ʻoe e hoʻohana i ka pale heluhelu a makemake ʻoe i ka ʻōlelo aʻoaʻo aie, ʻoi aku ka maʻalahi o ke kelepona iā mākou. ʻO kā mākou helu kelepona ʻo 0 8 0 0 1 3 8 1 1 1. Kelepona manuahi (me nā kelepona hele a pau).
ʻO kahi hōʻaiʻē i hoʻopaʻa ʻia kahi mea e ʻae ai kekahi kanaka, e like me ka ʻohana a i ʻole ka hoaaloha, e uku i ka hōʻaiʻē inā ʻaʻole hiki iā ʻoe ke uku i nā haʻawina. ʻO ka mea nāna e hōʻoiaʻiʻo i ka hōʻaiʻē ke kuleana no nā aie o ka hōʻaiʻē.
Ma muli o ka hōʻoia ʻana o ka hōʻaiʻē e kekahi mea ʻē aʻe, ua like ka ʻaiʻē me kahi ʻaiʻē hui ʻoiai na nā kānaka ʻelua ke kuleana o ka uku inā ʻaʻole hiki i kekahi o lākou ke hana pēlā. Hiki i kēia ke pilikia inā ʻaʻole hiki iā ʻoe ke hoʻihoʻi i ka hōʻaiʻē, no ka mea, lilo ka mea hoʻopaʻa i ke kuleana no ka ʻaiʻē.
Inā he lālā o ka ʻohana a he hoaaloha paha kāu mea hōʻoia, ʻo ka hopena o ka uku ʻana i ka ʻaiʻē hiki ke hoʻopilikia i ka pilina, ke kaumaha, a me ka pilikia kālā. Inā ua hoʻopaʻa ʻoe i ka hōʻaiʻē me kou home, hiki i kou home ke pilikia i ka paʻa.
Hiki iaʻu ke hoʻololi i ka mea hōʻoia o kaʻu hōʻaiʻē?
Me ka hoʻohana ʻana i ke kaulike āu i kūkulu ai i loko o kahi waiwai e kū nei, hiki i kahi mea hōʻoia ke hāʻawi i ka hōʻaiʻē e hiki ai iā ʻoe ke kūʻai i hale a i ʻole ke kālele ʻana i ka waiwai noho (i ʻike ʻia ʻo ka palapala hōʻoia). Hiki iā ia ke hāʻawi i kahi hōʻoia palekana a me ka loaʻa kālā e hiki ai i kāu loaʻa ke kōkua i ka hoʻokō ʻana i ka mana lawelawe o ka hōʻaiʻē.
Hana ʻia kahi hōʻaiʻē paʻa i ka wā e ʻae ai ka mea kūʻai aku i ka hōʻaiʻē hou e kūʻai i kā lākou waiwai. ʻO kekahi o nā kumu maʻamau e hoʻohana ai ka poʻe kūʻai hale i nā mea hōʻoia e pale aku i ka uku ʻana i ka Lenders Mortgage Insurance (LMI). He ʻano ʻinikua kēia e pale ana i ka poʻe hāʻawi kālā mai ka hōʻaiʻē ʻana a uku ʻia inā he waihona liʻiliʻi wale nō kāu, ʻoi aku ka liʻiliʻi ma mua o 20% o ka huina kūʻai kūʻai o ka waiwai.
Inā 'a'ole 'oe i ka li'ili'i loa he 20% waihona, e uku pinepine 'oe i ka IML, hiki ke ki'eki'e me $10.000. Eia nō naʻe, inā loaʻa iā ʻoe kahi mea hōʻoia e ʻae ana e hoʻohana i kā lākou ʻāpana ponoʻī (e like me kāu waiwai) no kāu kūʻai ʻana, hiki iā ʻoe ke hōʻaiʻē i ka hapa nui o ka waiwai o ka waiwai a ʻaʻole e uku iā IML.
