Nā moraki a puni ka ʻāina no ka poʻe ma mua o 70 makahiki
Mai ka hoʻokomo ʻia ʻana o ka Mortgage Market Review (MMR) i ka makahiki 2014, ʻoi aku ka paʻakikī o ka noi ʻana i kahi moraki no kekahi: pono nā mea hōʻaiʻē e loiloi i ke kūpono a noʻonoʻo i nā kumu he nui, me ka makahiki.
ʻO ka pahuhopu ka hōʻoia ʻana ʻaʻole loaʻa nā hōʻaiʻē hiki ʻole i ka poʻe e hoʻomaha ana. Ma muli o ka emi ʻana o ka loaʻa kālā o ka poʻe ke hoʻōki lākou i ka hana a hōʻiliʻili i kā lākou penikala, paipai ka Risk Management Regulations i nā mea hāʻawi kālā a me nā mea hōʻaiʻē e uku i nā moraki ma mua o ia manawa. Eia naʻe, ʻaʻole hiki a hana paha kēia no kēlā me kēia kanaka, a ua hoʻohui kekahi mau mea hāʻawi kālā i kēia ma ka hoʻonohonoho ʻana i nā palena makahiki kiʻekiʻe no ka uku moraki. ʻO ka maʻamau, ʻo kēia mau palena makahiki he 70 a i ʻole 75, e waiho ana i nā mea hōʻaiʻē kahiko me nā koho liʻiliʻi.
ʻO ka hopena lua o kēia mau palena makahiki ʻo ia ka pōkole o nā huaʻōlelo, ʻo ia hoʻi, pono e uku wikiwiki ʻia. A ʻo ia hoʻi, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina, hiki ke hoʻolilo iā lākou i mea hiki ʻole. Ua alakaʻi kēia i nā hoʻopiʻi no ka hoʻokae makahiki, ʻoiai nā manaʻo maikaʻi o ka RMM.
I Mei 2018, ua hoʻolaha ʻo Aldermore i kahi moraki hiki iā ʻoe ke loaʻa a hiki i ka makahiki 99 #JusticeFor100yearoldmortgagepayers. I kēlā mahina hoʻokahi, ua hoʻonui ka Family Building Society i kona mau makahiki kiʻekiʻe loa ma ka hopena o ke kau i 95 mau makahiki. ʻO nā mea ʻē aʻe, ʻo ka hapa nui o nā ʻoihana moraki, ua hoʻopau loa i ka makahiki kiʻekiʻe. Eia nō naʻe, ke koi mau nei kekahi mau mea hāʻawi kālā alanui kiʻekiʻe i ka palena o nā makahiki he 70 a i ʻole 75, akā i kēia manawa ua ʻoi aku ka maʻalahi o ka poʻe ʻaiʻē kahiko, ʻoiai ua hoʻonui ʻo Nationwide a me Halifax i nā palena makahiki i 80.
ʻO wai ka mea nāna e hōʻoia i ka hoʻolimalima
Ke noi ʻoe no kahi moraki (hypotheek) ma Netherlands, pili ʻoe i nā kūlana like me ka Dutch. Pono ʻoe e hana a noho ma ʻaneʻi a pono ka mea nāna e hāʻawi aku i ka ʻike e pili ana i kāu loaʻa kālā a me kāu aie, ka waiwai o ka waiwai, kāu ʻaelike hana, kou kūlana male a me nā mea hou aku.
Ma ke ʻano he expat, pono paha ʻoe e hoʻokō i kekahi mau koi hou e loaʻa ai kahi moraki ma Netherlands. E like me nā mea ʻē aʻe, pono ʻoe e loaʻa kahi helu lawelawe kamaʻāina (BSN). E loaʻa iā ʻoe ke kākau inoa ʻoe ma ke kaona, no ka laʻana, ma Amsterdam. Inā ʻaʻole ʻoe he kamaʻāina o ka EU/EEA (European Economic Area), pono ia e kiʻi i kahi palapala noho (verblijfsvergunning). E kōkua mau kāu mea hana iā ʻoe e loaʻa.
Loaʻa paha i kekahi mau panakō a mea hāʻawi kālā paha nā koi hou no ka poʻe hōʻaiʻē expatriate. No ka laʻana, koi paha lākou ua noho ʻoe ma Netherlands no ʻeono mahina. Pono paha lākou e loaʻa iā ʻoe ka loaʻa kālā ma ka euro a i ʻole ka lāhui EU. Aia paha nā koi hou aʻe inā he hou ʻoe i ka ʻāina a i ʻole ka hui.
Hiki iā ʻoe ke loaʻa kahi moraki me kahi penikala ma UK?
Hōʻike mākou i nā hāʻawi hiki iā mākou ke hahai, akā ʻaʻole nā huahana āpau ma ka mākeke… akā. Inā ʻaʻole mākou e ʻōlelo ʻē aʻe, ʻaʻole nā huahana i kahi ʻano kikoʻī. ʻO nā huaʻōlelo "best", "top", "cheap" (a me kā lākou mau ʻano ʻokoʻa) ʻaʻole nā helu, ʻoiai ke wehewehe mau nei mākou i ka maikaʻi o ka huahana ke hōʻike mākou iā ia. Aia kēia i kā mākou ʻōlelo hoʻohana. Ke hoʻoholo i nā hoʻoholo kālā koʻikoʻi, e noʻonoʻo e kiʻi i ka ʻōlelo aʻo kālā kūʻokoʻa. E hoʻomanaʻo mau i kou kūlana ponoʻī i ka hoʻohālikelike ʻana i nā huahana e loaʻa ai ka mea kūpono iā ʻoe.
He kanaka nūpepa kūʻokoʻa ʻo Rachel Wait i kākau e pili ana i ke kālā pilikino no nā makahiki he ʻumi, e uhi ana i nā mea āpau mai ka ʻinikua a i nā moraki. Ua kākau ʻo ia no kekahi mau pūnaewele kālā pilikino a me nā nūpepa aupuni, a ʻai ʻo ia i kāna manawa kaʻawale.
ʻO nā moraki no nā makahiki he 65
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia manaʻo ʻaʻole hiki ke loaʻa kahi home inā aia ʻoe a kokoke i ka makahiki hoʻomaha, akā he mea nui e ʻike i ka hopena o ka makahiki ke noi ʻana i kahi hōʻaiʻē.
ʻOiai ke kau nei nā mea hoʻolako moraki i nā palena makahiki kiʻekiʻe loa, e pili ana kēia i ka mea āu e hoʻokokoke ai. Eia kekahi, aia nā mea hāʻawi kālā i loea i nā huahana moraki kahiko, a eia mākou e kuhikuhi iā ʻoe i ke ala pololei.
E wehewehe kēia alakaʻi i ka hopena o ka makahiki ma nā noi moraki, pehea e loli ai kāu mau koho i ka manawa, a me kahi ʻike o nā huahana moraki hoʻomaha. Loaʻa kā mākou mau alakaʻi no ka hoʻokuʻu kālā a me nā moraki ola no ka ʻike kikoʻī.
Ke ulu nei ʻoe, hoʻomaka ʻoe e hoʻokau i kahi pilikia nui i nā mea hoʻolako moraki maʻamau, no laila hiki ke paʻakikī ke loaʻa i kahi hōʻaiʻē ma hope o ke ola. No ke aha mai? ʻO kēia ma muli o ka hāʻule ʻana o ka loaʻa kālā a i ʻole kou kūlana olakino, a pinepine nā mea ʻelua.
Ma hope o kou hoʻomaha ʻana, ʻaʻole ʻoe e loaʻa hou ka uku maʻamau mai kāu hana. ʻOiai inā loaʻa iā ʻoe kahi penikala e hāʻule hou ai, hiki ke paʻakikī i nā mea hāʻawi kālā ke ʻike pololei i kāu e loaʻa ai. E emi ana paha kāu loaʻa kālā, e pili ana i kou hiki ke uku.
