papa helu hoʻomaʻemaʻe pulumu
ʻO Elizabeth Weintraub he loea i ʻike ʻia i ka ʻāina i ka waiwai waiwai, ka inoa, a me ka escrow. He mea kūʻai waiwai ʻo ia a me ka mea kūʻai aku me nā makahiki he 40 o ke poʻo inoa a me ka ʻike escrow. Ua hōʻike ʻia kona ʻike ma ka New York Times, Washington Post, CBS Evening News, a me HGTV's House Hunters.
ʻO Doretha Clemons, Ph.D., MBA, PMP, he alakaʻi alakaʻi IT hui a kumu kumu no 34 mau makahiki. He kumu aʻoaʻo ʻo ia ma Connecticut State Colleges and Universities, Maryville University, a me Indiana Wesleyan University. He mea waiwai waiwai ʻo ia a me ka luna o ka Bruised Reed Housing Real Estate Trust, a he mea paʻa i ka laikini hoʻomaikaʻi hale mai ka Mokuʻāina ʻo Connecticut.
I ka hiki ʻana mai o ka manawa e kūʻai aku ai i hale, ʻaʻohe nui o ka poʻe i koho i ia mea. Inā paha e neʻe ana i kahi hana hou, pili kokoke i ka ʻohana, a i ʻole ke ʻimi wale ʻana i kahi kūpono i kāu mau pono, he mea nui ia e kiʻi koke i kou home ma ka mākeke. . Akā inā loaʻa iā ʻoe kahi maʻalahi i kou kūlana, hiki iā ʻoe ke hoʻohana iā ia i kāu pono.
He aha ke ala maikaʻi loa e kōkua ai i nā mea nona ka home no ka manawa mua?
Inā kūʻai aku kekahi mea kūʻai waiwai i kahi waiwai iā ʻoe, aia kahi ʻaelike ma waena o ka ʻelele a me ʻoe. Inā pilikia ʻoe me kahi mea kūʻai waiwai, pono pinepine e nānā i kahi kope o kekahi ʻaelike i kākau ʻia ma waena o ʻoe a me ka luna waiwai a hoʻopaʻa i ka mea, inā he, nā ʻaelike waha.
Ma ke ʻano he mea kūʻai aku, uku ʻoe i ka ʻelele waiwai no kā lākou lawelawe a, no laila, hana lākou ma kou ʻaoʻao. ʻO kou makemake e hōʻike lākou a pono e noʻonoʻo ʻia e ka mea kūʻai aku inā makemake lākou i kahi hale i kūʻai ʻia ma o ka mea kūʻai aku.
Manaʻo paha ʻoe he kiʻekiʻe loa ka bila mai ka mea kūʻai aku, ke kūʻai ʻia aku. He mea nui e nānā i ka hāʻawi ʻana o ka invoice i kahi wehewehe o nā kumukūʻai, no ka laʻana ke komisina, hoʻolaha a me ka VAT. Pono e hoʻohālikelike ʻia ka bila me ka ʻaelike kumu ma waena o ʻoe a me ka luna waiwai.
Inā, ma ke ʻano he mea kūʻai aku, ʻaʻole hiki iā ʻoe ke ʻae i ka nui o ka invoice a ka luna waiwai, pono ʻoe e nīnau i kahi kākāʻōlelo akamai, no ka laʻana ma ke keʻena ʻōlelo aʻoaʻo kamaʻāina. No ka ʻike ʻana i nā kikoʻī o ka CAC kokoke loa, me nā mea hiki ke aʻo ma ka leka uila, kaomi i ka CAC kokoke loa.
ʻAʻole i hoʻomaʻemaʻe ka mea kūʻai aku i ka hale
ʻAʻole ʻo Fannie Mae e kūʻai a hoʻopaʻa i nā hōʻaiʻē moraki i hoʻopaʻa ʻia e nā ʻāpana o kekahi condominium a i ʻole nā papahana hui inā loaʻa kēlā mau papahana i nā ʻano e hiki ʻole ai ke kūpono. Hōʻike ʻia kēia mau hiʻohiʻona ma ka papa ma lalo nei, me nā kikoʻī hou aku ma nā ʻāpana e pili ana. Pono e hoʻokumu ʻia nā papahana kūpono a pau i ka hoʻokō piha ʻana i ke kānāwai mokuʻāina a me nā kānāwai a me nā hoʻoponopono ʻē aʻe e pili ana i ka mana i loaʻa ai ka papahana.
'Ōlelo Aʻo: Inā hoʻoholo ka mea hāʻawi kālā ʻaʻole e hoʻokō ka papahana i nā koi a pau o ka ʻae ʻia o ka papahana a Fannie Mae, akā manaʻoʻiʻo he kūpono ka papahana a pono e noʻonoʻo hou ʻia, hiki i ka mea hāʻawi kālā ke noi i kahi ʻokoʻa (e nānā i ka B4-2.2-07, Projects with Special Considerations and Special Considerations. Project Eligibility Waivers, no ka 'ike hou aku).
Nā papahana hou kahi e hāʻawi aku ai ka mea kūʻai aku i nā hale kūʻai a i ʻole ke kālā kālā i ʻoi aku ma mua o nā kulekele kūpono o Fannie Mae no nā hōʻaiʻē moraki pākahi. Hoʻokomo ʻia kēia mau hale kiʻekiʻe, akā ʻaʻole i kaupalena ʻia, nā hāʻawi a nā mea kūkulu/mea hoʻolaha, nā ʻae kūʻai aku, nā loiloi Home Owners Association (HOA) a i ʻole ka hoʻemi ʻana o ke kumu a me ka uku ukupanee, a/a i ʻole nā haʻawina i hōʻike ʻole ʻia ma ka ʻōlelo hoʻoholo.
pauku kūlana maʻemaʻe broom
I loko o ke kaʻina hana pani home, ʻike ʻole ʻia ka huakaʻi hope loa. ʻOiai ʻaʻohe pilikia, hiki ke ala mai nā pilikia i ka wā o ka huakaʻi hope e hiki ai ke hōʻeha i ke poʻo o ka mea kūʻai aku a me ka mea kūʻai aku, hoʻopaneʻe i ka pani ʻana a i ʻole e pepehi i ka ʻaelike. E heluhelu i mea e maʻalahi ka hana.
No kēlā poʻe ʻike ʻole, ʻo ka kipa pani hale hope kekahi o nā hana hope loa i ke kūʻai ʻana i home. Hana ʻia ka huakaʻi hope ma hope o ka neʻe ʻana o ka mea kūʻai aku a hiki i ka mea kūʻai aku ke hōʻoia ua hana ʻia nā hoʻoponopono i ʻaelike ʻia a ʻaʻohe pilikia hou.
ʻO ka mea nui, hiki i ka mākaʻikaʻi hope ke hana i nā mea kūʻai aku e hana i kahi loiloi hope. ʻO kēia ka mea e hōʻoia i ka hale āu e kūʻai nei i ke ʻano like me ka wā i ʻae ai ʻoe e kūʻai, a me nā hoʻoponopono hou aʻe i ʻōlelo ʻia ma ka ʻaelike kūʻai, a ʻaʻohe mea - e like me nā kukui a i ʻole nā mea hoʻoponopono - i wehe ʻia. piʻi- ʻaʻole pono e wehe ʻia.
Hana ʻia nā kipa hope ma kahi kokoke i ka lā pani. I ka wā o ka mākaʻikaʻi, ka mea kūʻai aku a me kāna mea kūʻai waiwai e mākaʻikaʻi i ka waiwai. E nānā lākou ʻaʻole he pōʻino hou, ke hana mau nei nā ʻōnaehana a me nā mea hana a pau i ke kūʻai aku a maʻemaʻe ka hale.
