E kūʻai mai i hale mai kahi waihona vulture
I Iulai 2020, ua hoʻolaha ke Aupuni, ma ke ʻano he ʻāpana o ka stimulus package, e hoʻonui ʻia ka nui o ka hoʻomaha ʻauhau i hiki i nā mea kūʻai mua ke loaʻa i ke kūʻai ʻana a i ʻole ke kūkulu pono ʻana i hale hou ma lalo o ka hoʻolālā kōkua.
Ma lalo o kēia hoʻolālā, ua hoʻonui ʻia ka haʻawina kiʻekiʻe loa mai ka €20.000 a i ʻole 5% o ka waiwai o ka home i ka € 30.000 a i ʻole 10% o ka waiwai o ka home a hiki i Dekemaba 31, 2020. Hoʻonui ʻia a hiki i Dekemaba 2021, 31.
No ka poʻe e ʻimi nei e piʻi ma luna o ke alapiʻi waiwai, he hōʻoluʻolu waiwai nui kēia a loaʻa wale no ka manawa palena. Ma muli o kēia, ua loaʻa iā mākou nā nīnau he nui e pili ana i ka hana ʻana o kēia mau mea a pau, no laila ua koho mākou i kekahi o nā nīnau i nīnau pinepine ʻia a pane mākou iā lākou ma lalo nei no kāu kuhikuhi:
ʻO ke kumu, hāʻawi ka inoa iā ia; He papahana hoʻihoʻi ʻauhau aupuni, i hoʻoholo ʻia e kōkua i ka poʻe kūʻai mai e loaʻa kahi waihona ma ko lākou home. Eia kekahi, paipai ia i nā mea hoʻomohala e kūkulu i nā hale hou i hiki ai i ka hoʻolālā ke hoʻomau i ka hana.
Ua kūʻai mai kahi waihona vulture i kaʻu moraki
I kekahi mau kūlana i hoʻihoʻi ʻia kou home, a i ʻole ua hoʻihoʻi ʻia nā kī i kāu mea hōʻaiʻē moraki, hiki ke haʻi ʻia iā ʻoe ma hope he ʻaiʻē ʻoe. Hana ʻia kēia inā ʻaʻole lawa ka nui o ke kūʻai ʻia ʻana o kou home e uku ai i ka moraki a me nā hōʻaiʻē paʻa.
Aia nā lula e pili ana i ka wikiwiki o ka mea hāʻawi aku e hoʻopili iā ʻoe ma hope o ke kūʻai ʻana i ka home inā makemake ʻoe e hoʻopau i ka hemahema. E ʻoluʻolu e ʻike i nā ʻāpana ʻelua ma lalo o ke Kumukānāwai Waiwai o UK a me nā rula o ka mana hana kālā.
Wahi a ka FCA's Mortgages and Home Finance: Conduct of Business sourcebook (MCOB) pono e mālama pono ka mea hāʻawi aku i kekahi mea kūʻai aku me ka ʻaiʻē pōkole. ʻAʻole koi ʻia ka mea hāʻawi e hoʻihoʻi i kahi hōʻaiʻē maikaʻi ʻole, akā inā loaʻa, pono ia e haʻi iā ʻoe ma ke kākau ʻana i loko o ʻelima mau makahiki mai ka lā i kūʻai ʻia ai kou home. Inā ʻaʻole, hiki iā ʻoe ke hoʻopiʻi i ka Financial Ombudsman Service (FOS). E ʻike i nā Contact Helpful Contacts ma hope o kēia pepa ʻike.
ʻO ke kulekele kālā o UK he ʻāpana o nā lula MCOB o FCA. Inā ua hoʻihoʻi ʻia kāu waiwai a kūʻai ʻia aku ma mua o ʻelima mau makahiki i hala, a ʻaʻole i hoʻopili ʻia ʻoe e kāu mea hāʻawi aku e hoʻihoʻi i kahi ʻaiʻē i koe, ʻaʻole pono ʻoe e koi ʻia e uku i kekahi hapa.
ʻEhia ka uku o nā kālā vulture no nā hōʻaiʻē?
ʻAʻole paha ʻoe kuleana waiwai ma ke ʻano he hoaaina, akā he kuleana ko ka hoaaina. Hoʻomaopopo ʻia kēia mau mea ma ka mokuʻāina a me nā pae kūloko, akā ʻo nā mea maʻamau ka pono o ka hoʻolaha ma mua o ka hoʻokuke ʻia ʻana, kou kuleana i kahi palapala paʻa, a me kou kuleana i ka hale noho.
ʻO ke kuleana o ka leʻaleʻa e ʻae iā ʻoe e hana i nā mea āu e makemake ai ʻoiai ma kāu waiwai (eia hou, inā ʻaʻole kūʻē i ke kānāwai). Hiki iā ʻoe ke pāʻina, sunbathe, hoʻolālā i kāu māla: ʻo kou waiwai ia e hauʻoli ai.
He mea koʻikoʻi nā kuleana waiwai no ka mea e hāʻawi ana lākou i ka ʻike maopopo o ka ʻāina a he kōkua i ka hoʻomohala waiwai. Ma ke ʻano he mea hale, hiki iā ʻoe ke pale i kāu waiwai ma nā ʻano he nui. Hiki ke hana:
ʻOi aku ka nui o kāu waiwai, ʻoi aku ka paʻakikī o ka pale ʻana i kou kuleana waiwai, no ka mea ʻaʻole hiki iā ʻoe ke hoʻomalu i kēlā me kēia ʻeka o kāu waiwai i nā manawa a pau. Eia nō naʻe, inā noho ʻoe ma kahi ʻāpana ma kahi ʻāpana, ʻaʻole pono ʻoe e hana nui e pale i kāu waiwai. Loaʻa paha i kāu ʻāpana ʻāpana kahi palekana i kūkulu ʻia.
ʻO ka hoʻomaka ʻana i nā moraki he waihona vulture
Ua hoʻonoho ke Aupuni i ka uku panee no kēia hōʻaiʻē ma 2,5% i kēlā me kēia makahiki a ʻo ka manawa e uku ai he ʻeono makahiki. I loko o nā mahina 12 mua ʻaʻole pono ʻoe e uku i kekahi mea. Noho nā ʻoihana i ke kuleana no ka 100% o ka uku ʻana i ka huina o ka hōʻaiʻē, a me ka ukupanee, ma hope o ka makahiki mua.
Wehe ʻia ka Scheme i ka hapa nui o nā ʻoihana, me ka ʻole o ka nui o ka ʻoihana, e kū ana i nā koina kūpono a ua hoʻokumu ʻia ma mua a ma mua paha o Malaki 1, 2020[1]. Pono nā mea hōʻaiʻē e haʻi, ma waena o nā mea ʻē aʻe, e:
No kekahi mau ʻoihana, ka mea i hoʻolaha iā lākou iho he "ʻoihana pilikia" i ka lā 31 Dekemaba 2019, aia paha nā palena i ka nui o ke kālā i ʻae ʻia e hōʻaiʻē a me ka mea hiki iā lākou ke hana me ka hōʻaiʻē[2].
Hiki i nā ʻoihana i hōʻaiʻē ma mua o ka nui loa i loaʻa ma lalo o ka papahana ke koho e hoʻonui i kā lākou hōʻaiʻē mua. Pono nā ʻoihana e hoʻopiha i kahi palapala noi kaʻawale, e hōʻoia hou ana i nā ʻōlelo i hana ʻia ma ka palapala noi kumu. Hiki i nā ʻoihana ke hoʻouna i hoʻokahi noi recharge.
