Helu Hoemi Ueuku Moraki
ʻOiai inā e hoʻomanaʻo ʻoe i ka helu ʻana i kēia mau puʻupuʻu pōʻino, he mau nīnau kāu e pili ana iā ia: Pehea e uku ʻia ai nā ʻauhau waiwai? ʻEhia mau manawa e uku ʻia ai nā ʻauhau waiwai? I ka manawa hea lākou e uku ʻia ai? A ua hoʻokomo ʻia nā ʻauhau waiwai i ka uku moraki?
ʻO ka hapa nui o ke kālā i hōʻiliʻili ʻia mai ka ʻauhau waiwai e hele i nā mākaʻi a me nā keʻena kinai ahi, nā kula, a me ka mālama alanui. No laila, ke hoʻouna aku kāu aupuni kūloko (hope) i kekahi e hoʻoponopono i kēlā lua i kou kaiāulu, ʻo ia paha kāu kālā ʻauhau waiwai ma ka hana!
ʻAe. Pono nā mea nona nā ʻauhau a pau e uku i ka ʻauhau waiwai. ʻO kēlā me nā mea hale. A inā loaʻa iā ʻoe nā ʻano waiwai ʻē aʻe (e like me kahi mahiʻai i hoʻoili ʻia mai kou mau mākua a i ʻole kahi waiwai hoʻopukapuka), e uku pū ʻoe i ka ʻauhau waiwai.
Hoʻokomo ʻia ka ʻauhau waiwai i ka hapa nui o nā uku moraki (me ke kumu, ka ukupanee, a me ka ʻinikua o ka mea hale). No laila inā e uku ʻoe i kāu moraki i ka manawa, e uku ana paha ʻoe i kāu ʻauhau waiwai.
Hiki ke unuhi ʻia ka ukupanee moraki inā hoʻohana ʻia ka unuhi maʻamau?
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku mai iā mākou. Hiki i kēia ke hoʻololi i nā huahana a mākou e kākau ai a ma hea a pehea e ʻike ʻia ai ka huahana ma kahi ʻaoʻao. Akā naʻe, ʻaʻole pili kēia i kā mākou loiloi. ʻO kā mākou mau manaʻo no mākou iho.
ʻO ka unuhi ʻana i ka ukupanee moraki he unuhi ʻauhau ia no ka ukupanee moraki i uku ʻia ma ka ʻaiʻē mua o ka moraki. Hiki i nā mea hale i kūʻai i nā hale ma hope o Dec. 15, 2017, hiki ke unuhi i ka ukupanee ma ka $750.000 mua o ka moraki. ʻO ke koi ʻana i ka unuhi ʻana i ka moraki e pono ai ka helu ʻana i kāu hoʻihoʻi ʻauhau.
ʻO ka unuhi ʻana i ka ukupanee moraki hiki iā ʻoe ke hoʻemi i kāu loaʻa kālā ʻauhau ma ka nui o ke kālā āu i uku ai i ka ukupanee moraki i ka makahiki. No laila inā he moraki kāu, e mālama i kahi moʻolelo maikaʻi: ʻo ka ukupanee āu e uku ai ma kāu hōʻaiʻē moraki hiki ke kōkua iā ʻoe e hōʻemi i kāu bila ʻauhau.
E like me ka mea i hōʻike ʻia, hiki iā ʻoe ke unuhi maʻamau i ka ukupanee moraki āu i uku ai i ka makahiki ʻauhau ma ka miliona mau kālā mua o kāu aie moraki ma kou home nui a lua paha. Inā kūʻai ʻoe i ka hale ma hope o Dekemaba 15, 2017, hiki iā ʻoe ke unuhi i ka ukupanee āu i uku ai i ka makahiki ma ka $750.000 mua o ka moraki.
Wehe ʻauhau o ka ukupanee moraki 2022
Nā ʻauhau: He aha nā ʻāpana o kaʻu uku hale e hiki ke unuhi ʻia? ʻOiai he nui nā lilo e hele mai me ka loaʻa ʻana o kahi home, aia kekahi mau pōmaikaʻi ʻauhau. Inā ʻoe e ʻimi nei e ʻoi aku ka maikaʻi ma waho o kou home, eia nā ʻauhau ʻauhau ʻehā no nā mea hale āu e makemake ai e makaʻala a mālama pono.
I ka wā e uku ai i kāu moraki, ua kahaha paha ʻoe i ka nui o ke kālā e hele ai i ka ukupanee. ʻO ka nūhou maikaʻi e hiki iā ʻoe ke unuhi i ka ukupanee ma kāu moraki home ke waiho ʻoe i kāu ʻauhau. Ke loaʻa iā ʻoe ka palapala 1098 i ka manawa ʻauhau, e ʻike ʻoe i ka nui o ka ukupanee moraki āu i uku ai ma ka pahu 1.
Inā loaʻa iā ʻoe kahi "imposesion/escrow account," ua hoʻokomo ʻia kāu ʻauhau waiwai i kāu uku moraki, no laila e hōʻike ʻia ka huina i uku ʻia i kēlā me kēia makahiki ma kāu Puka 1098 Mortgage Statement. Hiki iā ʻoe ke nānā i kāu pila ʻauhau waiwai no ka makahiki, hiki iā ʻoe ke nānā i kāu mea i uku ai ma ka pūnaewele.
Hiki ke unuhi ʻia ka ʻauhau waiwai?
Ma ke komo ʻana i kāu ʻike a kaomi ʻana i ka "submit", ʻae ʻoe i ka American Pacific Mortgage e kāhea ana / leka uila iā ʻoe e pili ana i kāu nīnau, e pili ana paha i ka hoʻohana ʻana i nā ala a me nā leo i hoʻopaʻa mua ʻia. ʻAʻole pono ʻoe e hāʻawi i kou ʻae ʻana ma ke ʻano he kūlana no ke kūʻai ʻana i kekahi waiwai, waiwai a lawelawe paha. Hiki ke hoʻohana ʻia nā helu memo/ʻikepili.
Ma ke komo ʻana i kāu kikoʻī a kaomi 'hoʻouna', ʻae ʻoe i ka American Pacific Mortgage e kelepona a leka uila paha iā ʻoe e pili ana i kāu nīnau, e pili ana paha i ka hoʻohana ʻana i nā ala a me nā leo i hoʻopaʻa mua ʻia. ʻAʻole pono ʻoe e hāʻawi i kou ʻae ʻana ma ke ʻano he kūlana no ke kūʻai ʻana i kekahi waiwai, waiwai a lawelawe paha. Hiki ke hoʻohana ʻia nā helu memo/ʻikepili.
Ma ke komo ʻana i kāu kikoʻī a kaomi 'hoʻouna', ʻae ʻoe i ka American Pacific Mortgage e kelepona a leka uila paha iā ʻoe e pili ana i kāu nīnau, e pili ana paha i ka hoʻohana ʻana i nā ala a me nā leo i hoʻopaʻa mua ʻia. ʻAʻole pono ʻoe e hāʻawi i kou ʻae ʻana ma ke ʻano he kūlana no ke kūʻai ʻana i kekahi waiwai, waiwai a lawelawe paha. Hiki ke hoʻohana ʻia nā helu memo/ʻikepili.
Ke loaʻa iā ʻoe kou home ponoʻī, makemake ʻoe e hōʻoia e lawe ʻoe i nā unuhi e like me ka hiki ke hōʻoia i ka hoʻonui ʻana i kāu hoʻihoʻi ʻauhau. Ke noʻonoʻo nei paha ʻoe i ka hopena o nā mea e like me ka hoʻomaikaʻi ʻana i ka home, ka uku pānaʻi moraki āu i uku ai, ka loaʻa ʻauhau ʻauhau, a me nā unuhi ʻokoʻa i ka bila ʻauhau o kēia makahiki.
