malama i ka moraki
Inā ʻoe ʻāpana o ka 25% o nā poʻe mākua ʻAmelika e noho ana me ke kino kīnā, ua maʻa paha ʻoe i ka lanakila ʻana i nā pilikia. Eia nō naʻe, i ka wā e kūʻai ai i kahi home, hiki ke ʻano paʻakikī ke kaʻina hana. ʻAʻole hiki ke koho ʻia ka hoʻolimalima ma muli o ka nele o nā hoʻololi e pono ai, no laila ʻo ke kūʻai pinepine ʻana i ka koho maikaʻi loa e hōʻoia i kou home e hoʻokō i kāu mau pono.
ʻOiai ʻo ka loaʻa ʻana o ka moraki a me ke kūʻai ʻana i home he mau mea maikaʻi, aia kekahi mau pilikia e ʻike ʻia. ʻO ka mea mua, iā ʻoe ke kuleana no ka mālama ʻana a me ka hoʻoponopono ʻana. Pono ʻoe e hana me ka lima a i ʻole e uku i kekahi e hana iā ʻoe. Ma muli o kou kino kīnā a me ka pae kālā, hiki ke paʻakikī loa kēia.
ʻO ka hope, he mea nui e kūkulu i ka nui o ka mālama kālā ma mua o kou kūʻai ʻana. Ma kēia ala, hiki iā ʻoe ke hana i nā hoʻololi e pono ai e hoʻomaikaʻi i ke komo ʻana a ʻaʻole ʻoe e pilikia i ka uku ʻana i ka moraki a i ʻole nalo ʻana i kou hale. E hōʻeha paha kēia i kāu hōʻaiʻē, e paʻakikī iā ʻoe ke loaʻa i kahi moraki a i ʻole konohiki i ka wā e hiki mai ana.
Kokua moraki no ka poe nona ka hale kino
Ke uku ʻoe i kāu moraki a hoʻokō i nā ʻōlelo o ka ʻaelike moraki, ʻaʻole e haʻalele koke ka mea hāʻawi i nā kuleana i kāu waiwai. Pono ʻoe e hana i kekahi mau ʻanuʻu. Kapa ʻia kēia kaʻina hana moraki.
He ʻokoʻa kēia kaʻina hana ma muli o kāu panalāʻau a i ʻole ka ʻāina. I ka hapanui o nā hihia, hana pū ʻoe me kahi loio, notary, a i ʻole komisina hoʻohiki. ʻAe kekahi mau panalāʻau a me nā panalāʻau iā ʻoe e hana iā ʻoe iho. E hoʻomanaʻo ʻoiai inā ʻoe e hana iā ʻoe iho, pono paha ʻoe e kiʻi i kāu mau palapala notarized e ka ʻoihana, e like me ka loio a i ʻole notary.
ʻO ka maʻamau, e hāʻawi ka mea hāʻawi iā ʻoe i ka hōʻoia ʻana ua uku ʻoe i ka moraki i ka piha. ʻAʻole hoʻouna ka hapa nui o nā mea hāʻawi i kēia hōʻoia ke ʻole ʻoe e noi. E nānā inā loaʻa i kāu mea hāʻawi ke kaʻina hana no kēia noi.
Pono ʻoe, kāu loio a i ʻole kāu notary e hāʻawi i ke keʻena kākau inoa waiwai me nā palapala pono āpau. Ke loaʻa nā palapala, hoʻopau ke kākau inoa o ka waiwai i nā kuleana o ka mea hāʻawi i kāu waiwai. Hoʻopau lākou i ka inoa o kāu waiwai e hōʻike i kēia hoʻololi.
ʻO nā hōʻaiʻē moraki no nā poʻe kīnā me ka ʻaiʻē maikaʻi ʻole
Credit Security Plan™ – ʻO ka ʻĀpana Ola a me ke Kino ʻAi ʻAi ʻAiʻi Kōkua e pale i ka palekana kālā o kou ʻohana ʻO ka hoʻopukapuka kālā āu i hana ai i kāu moraki ua ʻae iā ʻoe e hana i hale no ʻoe a me kou ʻohana. He kuleana kālā koʻikoʻi ia a he waiwai hoʻi e pono ke mālama ʻia. E heluhelu i ka palapala
E pili ana i ka papahana He aha ka hana a kou ʻohana inā loaʻa kahi pōʻino iā ʻoe? Paʻakikī paha ʻoe e hoʻokō i nā uku moraki i kēlā me kēia mahina? Hiki i ka Credit Security Plan (CSP) ke ʻae i kou ʻohana e hoʻopaʻa i ka home ma o kēia mau uku. Hiki ke kōkua i ka uku ʻana i kāu moraki Lahui Mua, inā he make i manaʻo ʻole ʻia. hiki no hoi
Nā Pōmaikaʻi Nui No ke noi ʻana, pono ʻoe ma lalo o 18 mau makahiki a ma lalo o 65, he kamaʻāina ʻo Canada1, a he mea hōʻaiʻē, hoa hōʻaiʻē a mea hōʻoiaʻiʻo paha i kahi moraki First National o $1.000.000 a i ʻole.
Nā hōʻaiʻē aupuni no ka poʻe kīnā
ʻAʻole maʻalahi ke kūʻai ʻana i hale, ʻo wai ʻoe. Akā, pehea ka poʻe kīnā? Hiki iā lākou ke kūʻai i hale ma kekahi kūlana? ʻO ka pane pololei i kēia "ʻAe". Hiki ke loa'a ke kanaka me ke kino kīnā no nā polokalamu kū'ai hale kūikawā a me nā hō'ai'ē home ma'amau.
ʻAe. Kōkua kekahi mau papahana i ka poʻe me ke kino kīnā i ke kaʻina hana. Kōkua kēia mau polokalamu iā ʻoe e ʻimi i ka mea hāʻawi kālā kūpono, hāʻawi iā ʻoe i ke kōkua uku, a hāʻawi iā ʻoe i ka uku pānaʻi haʻahaʻa ma mua o ka mākeke. Akā naʻe, ʻaʻole ia he ala maʻalahi e hele ai.
Wahi a Statistics Canada, aia ma mua o 5,3 miliona poʻe Kanada e noho nei me kekahi ʻano kīnā. Pili kēia i kou kūʻokoʻa, kūʻokoʻa a i ʻole ka maikaʻi o ke ola o kēlā me kēia lā. He 16% ka nui o ka heluna kanaka o keia aina.
ʻO ka mea hopohopo loa ma kēia helu o 5,3 miliona, ʻoi aku ma mua o 200.000 mau keiki a me nā ʻōpio. ʻO ka awelika o ka loaʻa kālā o kēia poʻe maʻi kīnā ma waena o 21 a me 64 mau makahiki he haʻahaʻa. ʻAʻole hiki ke maʻalahi ke komo i kahi moraki me ka ʻole o kahi papahana kūikawā me ka uku haʻahaʻa.
