No ke aha e koi mua ai i ka panakō no nā lilo moraki?

ʻO ka amortization o nā koina hōʻaiʻē kiʻekiʻe

He mea hoʻowalewale ke nānā ʻole i nā lilo i manaʻo ʻole ʻia. Akā, ʻo ka loaʻa ʻana o ke kālā i hoʻokaʻawale ʻia ma ke ʻano he cushion no nā mea pono e hoʻoponopono ʻia ke loaʻa ʻoe i kahi home hou, e like me ka ea ea, ka hoʻomehana ʻana, a me ka paipu, he manaʻo maikaʻi.

Inā ʻoi aku ka liʻiliʻi o kāu waihona ma mua o 20%, pono ʻoe e uku i ka uku hoʻolimalima moraki (LMI). He kumukūʻai hoʻokahi manawa i hoʻohui ʻia i ka nui o ka hōʻaiʻē, no laila ʻaʻole pono ʻoe e uku i kekahi mea ma mua. He mea nui ʻoe e kamaʻilio me mākou e pili ana i ka nui o kēia uku: inā kūʻai ʻoe i kahi home $600.000 me kahi waihona 5%, hiki ke ʻoi aku ma mua o $20.000, ma muli o ka mokuʻāina āu e noho ai.

Inā mālama ʻoe no kahi hale, paʻakikī paha ke ʻike pono i ka wā e kū ai. I ka manawa hea ʻoe e lawa ai ke kālā e hele i ka ʻimi hale a waiho i kahi waihona? Ma hope o nā mea a pau, ʻo ka hōʻaiʻē moraki he mea ola nui. ʻO ka maʻamau, ʻaʻole manaʻo ʻia ʻoe e uku iā ia ma lalo o 25-30 mau makahiki. ʻAʻole ʻoe makemake e wikiwiki.

Hāʻawi ʻia i kēia mau mea āpau, ʻōlelo ʻia ka loiloi maopopo e mālama ʻoe i ke kālā e like me ka hiki no ka lōʻihi ma mua o kou hele ʻana i ka ʻimi hale. Akā, ke ola nei mākou no kekahi manawa. ʻAʻole hiki iā mākou ke noho a hōʻiliʻili kālā mau loa. Pela hou. I ka manawa hea ʻoe e kū ai? ʻEhia ke kālā e pono ai e uku i kahi waihona ma kahi hale? He pane maopopo i kēlā nīnau?

Alakaʻi hoʻolimalima Ato 2021

ʻO ka huaʻōlelo "moraki" e pili ana i kahi hōʻaiʻē i hoʻohana ʻia no ke kūʻai ʻana a mālama ʻana i kahi home, ʻāina, a i ʻole nā ​​ʻano waiwai ʻē aʻe. Ua ʻae ka mea ʻaiʻē e uku i ka mea hāʻawi aku i ka manawa, ma ke ʻano maʻamau o nā uku maʻamau i māhele ʻia i ke kumupaʻa a me ka ukupanee. He mea hōʻaiʻē ka waiwai e hoʻopaʻa i ka hōʻaiʻē.

Pono ka mea ʻaiʻē e noi no kahi moraki ma o kā lākou mea hāʻawi makemake a e hōʻoia i ka hoʻokō ʻana i kekahi mau koi, e like me nā helu hōʻaiʻē liʻiliʻi a me nā uku uku. E hele ana nā noi moraki ma ke kaʻina hana underwriting ma mua o ka hiki ʻana i ka pae pani. ʻOkoʻa nā ʻano o nā moraki ma muli o nā pono o ka mea hōʻaiʻē, e like me nā hōʻaiʻē maʻamau a me nā hōʻaiʻē paʻa.

Hoʻohana nā kānaka a me nā ʻoihana i nā moraki e kūʻai i ka waiwai paʻa me ka ʻole e uku i ke kumukūʻai kūʻai piha ma mua. Hoʻihoʻi ka mea hōʻaiʻē i ka hōʻaiʻē a me ka ukupanee no kekahi mau makahiki i hoʻonohonoho ʻia a hiki i ka loaʻa ʻana o ka waiwai me ka uku ʻole ʻia. ʻIke ʻia hoʻi nā moraki ma ke ʻano he ʻae kūʻē i ka waiwai a i ʻole nā ​​koi i ka waiwai. Inā hōʻole ka mea hōʻaiʻē i ka moraki, hiki i ka mea hāʻawi ke hoʻopaʻa i ka waiwai.

ʻAʻohe loaʻa hoʻolimalima, akā aia nā lilo

Ke hoʻopau ʻana i kāu noi no kahi penihana kahiko, e noi mākou iā ʻoe e hāʻawi mai iā mākou i ka ʻike a me kekahi mau palapala kākoʻo. Pono mākou i nā palapala kākoʻo e hōʻoia i ka ʻike āu e hāʻawi ai i kāu noi. Me ka ʻole o lākou ʻaʻole hiki iā mākou ke loiloi i kāu noi. Hiki iā mākou ke nīnau iā ʻoe no ka ʻike hou aku ma hope o kou waiho ʻana i kāu noi.

Pono paha ʻoe e hāʻawi mai iā mākou i kāu palapala ʻike i hiki iā mākou ke hōʻoia i kou ʻike. Inā mākou e nīnau iā ʻoe, pono ʻoe e hōʻike i kāu palapala ʻike ma mua o ka waiho ʻana i kāu noi. Me ka ʻole o lākou ʻaʻole hiki iā mākou ke hoʻomaka e loiloi i kāu noi. ʻO ka hoʻomākaukau ʻana iā lākou e kōkua iā ʻoe e hoʻopau i kāu koi a ʻaʻole e hoʻopaneʻe i ke kaʻina hana. Inā ʻaʻole ʻoe maopopo i nā palapala āu e hoʻouna ai, e kelepona mai iā mākou ma ka Senior Helpline.

Ma hope o kou hoʻouna ʻana i kāu noi no kahi penihana kahiko, e loiloi mākou i kou kūlana. Inā makemake mākou i ʻike hou aku, e noi mākou no ia. E hoʻouna mākou i leka i kāu pahu leta myGov, inā loaʻa iā ʻoe. Inā ʻaʻohe āu, e hoʻouna mākou iā ʻoe i kēia palapala noi ma ka leka uila.

ʻO ka maʻamau, pono ʻoe e hāʻawi i nā palapala a mākou e noi ai i loko o 14 mau lā. Inā ʻaʻole ʻoe, hiki iā mākou ke hōʻole i kāu noi. E kelepona iā mākou ma ka Senior Australian Helpline inā pilikia ʻoe i ka hāʻawi ʻana i ka ʻike a mākou e noi nei.

ʻO nā ʻauhau ʻauhau no ka hoʻopukapuka waiwai ma Australia

ʻO nā huaʻōlelo a me nā wehewehe e pili ana i manaʻo ʻia e hāʻawi i kahi manaʻo maʻalahi a ʻike ʻole i nā huaʻōlelo a me nā ʻōlelo āu e ʻike ai ma kā mākou pūnaewele a ʻike ʻole paha iā ʻoe. ʻO ka manaʻo kikoʻī o kahi huaʻōlelo a ʻōlelo paha e hilinaʻi ʻia ma kahi a pehea e hoʻohana ʻia ai, ʻoiai nā palapala pili, me nā ʻaelike i pūlima ʻia, nā ʻōlelo a nā mea kūʻai aku, nā manual kulekele Polokalamu kūloko, a me ka hoʻohana ʻana i ka ʻoihana, e hoʻomalu i ke ʻano. ʻAʻohe hopena paʻa o nā huaʻōlelo a me nā wehewehe e pili ana no nā kumu o kekahi ʻaelike a i ʻole nā ​​​​hana ʻē aʻe me mākou. E hauʻoli ana kāu ʻelele Campus Housing Programs a i ʻole nā ​​limahana o ka Loan Programs Office e pane i nā nīnau kikoʻī āu e loaʻa ai.

Papa Hoʻopaʻa Noi: He papa inoa kikoʻī o nā palapala e pono ai ka mea hōʻaiʻē a me ka pā kula e hāʻawi i ke Keʻena Polokalamu Loan no ka ʻae mua ʻana a i ʻole ka ʻae ʻana i ka hōʻaiʻē. ʻIke ʻia ʻo ia ʻo ka palapala OLP-09.

Automated Clearing House (ACH): He pūnaewele hoʻoili kālā uila e hiki ai ke hoʻololi pololei i ke kālā ma waena o nā waihona waihona kālā a me nā mea hāʻawi kālā. Loaʻa kēia hiʻohiʻona i nā mea hōʻaiʻē ʻaʻole i kēia manawa i ke kūlana uku hana.