Ke kumu o ka moraki
ʻO Janet Wickell he loea moraki a me ka hāʻawi ʻana i ka home nāna i kākau i nā kumuhana e pili ana i nā waiwai waiwai a me ke kālā ʻana i kahi kūʻai home. ʻO ia ka mea nona ka hui waiwai ma North Carolina a me ka mea kākau o "The Everything Real Estate Investing Book."
ʻO Somer G. Anderson he Luna Helu Pūʻali i hōʻoia ʻia, Ph.D. Helu, a he Polopeka o ka Helu a me Waiwai, nāna i hana ma ka ʻoihana helu a me ke kālā no nā makahiki he 20. ʻO kāna ʻike e pili ana i kahi ākea o ka helu helu, kālā kālā, ʻauhau, hōʻaiʻē, a me nā wahi kālā pilikino.
ʻO Lakshna Mehta ka mea kākau, hoʻoponopono a me ka mea nānā ʻoiaʻiʻo. Ua loaʻa iā ia ke kēkelē laepua ma ka nūpepa, ke kēkelē laepua ma ka nūpepa, a me ke kēkelē laepua ma nā haʻawina honua mai ke Kulanui o Missouri. Ua loaʻa iā ia ka manawa e kākau a hoʻoponopono no nā nūpepa, nā nūpepa, a me nā puke pūnaewele ma nā kumuhana like ʻole. Ma ke ʻano he loiloi ʻoiaʻiʻo no The Balance, hōʻoia ʻo ia i nā ʻike āpau me nā kumu hilinaʻi a hoʻonui i ka ʻikepili e like me ka mea e pono ai.
helu moraki
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.
nā hōʻailona moraki
Inā ʻoe he 62 a ʻoi paha - a makemake ʻoe i ke kālā e uku i kāu moraki, hoʻohui i kāu loaʻa kālā, a i ʻole uku no ka mālama ola kino - makemake paha ʻoe e noʻonoʻo i kahi moraki hoʻohuli. Hāʻawi ia iā ʻoe e hoʻololi i kekahi o kou home equity i ke kālā me ka ʻole e kūʻai aku i kou home a i ʻole e uku i nā bila o kēlā me kēia mahina. Akā e lawe i kou manawa: hiki ke paʻakikī ka moraki hoʻohuli a ʻaʻole kūpono paha iā ʻoe. Hiki i ka moraki hoʻohuli ke hoʻopau i ke kaulike ma kou home, ʻo ia hoʻi ka liʻiliʻi o nā waiwai no ʻoe a me kāu mau hoʻoilina. Inā hoʻoholo ʻoe e kūʻai a puni, e noʻonoʻo i nā ʻano ʻano moraki hoʻohuli a kūʻai a puni ma mua o ka hoʻopaʻa ʻana i kahi ʻoihana.
Ke loaʻa iā ʻoe kahi moraki maʻamau, uku ʻoe i ka mea hāʻawi kālā i kēlā me kēia mahina e kūʻai i kou home i ka manawa. Ma kahi moraki hoʻohuli, lawe ʻoe i kahi hōʻaiʻē kahi e uku ai ka mea hāʻawi iā ʻoe. Lawe nā moraki hoʻohuli i kekahi o ke kaulike i loko o kou home a hoʻolilo iā ia i mau uku iā ʻoe, kahi ʻano uku hoʻohaʻahaʻa i ka waiwai o kou home. ʻO ke kālā i loaʻa iā ʻoe he ʻauhau ʻole. ʻO ka maʻamau, ʻaʻole pono ʻoe e uku i ke kālā inā lōʻihi ʻoe e noho ana ma ka home. Ke make ʻoe, kūʻai aku i kou hale, a neʻe paha, pono ʻoe, kāu wahine, a i ʻole kāu waiwai e uku i ka hōʻaiʻē. I kekahi manawa ʻo ia ke kūʻai aku i ka hale e loaʻa ke kālā e uku ai i ka hōʻaiʻē.
moraki etymology
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu e kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a e ʻae iā ʻoe e noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
