Hiki iaʻu ke loaʻa ka moraki me ka ʻole o ka hana inā loaʻa iaʻu kahi waihona?
ʻO ka nui o ke komo ʻana o ka poʻe hana, e ana i ka helu o nā poʻe makahiki hana (15 a 64) i ka poʻe hana, aia ma kona pae haʻahaʻa loa mai ka makahiki 1970. I ʻAukake, 4,3 miliona ʻAmelika i haʻalele i kā lākou mau hana, ʻo ka helu kiʻekiʻe loa i nā makahiki 21. i ka wā i hoʻomaka ai ka US Bureau of Labor Statistics e hoʻopaʻa i kēia mau ʻikepili ma 2000.
Akā, pehea inā makemake ka poʻe i haʻalele i kā lākou hana e kūʻai i hale i nā mahina a i ʻole mau makahiki e hiki mai ana, ʻoiai ke piʻi mau nei nā kumukūʻai hale? ʻOiai ʻo nā moʻolelo o ka poʻe i haʻalele i kā lākou hana no nā kumu like ʻole, e like me ko lākou luhi i ka hana ʻana i nā hale ʻaina no ka uku haʻahaʻa, ua hoʻoholo lākou e hoʻomaha, ua loaʻa iā lākou nā ʻoihana uku maikaʻi a i ʻole makemake lākou e. hoʻomaka i kahi ʻoihana hou. Eia naʻe, ʻaʻole i hoʻohālikelike ʻia nā waivers āpau i nā maka o nā mea hāʻawi moraki.
ʻAʻole pono e hana ma ke keʻena nui o ke kūlanakauhale, ua neʻe kekahi poʻe hana home mai nā wahi metropolitan nui e ʻimi i nā wahi hou aku (a i kekahi manawa ʻuʻuku ke kumu kūʻai) ma nā kaona a me nā kuaʻāina. Ua hoʻoholo wale paha nā poʻe ʻē aʻe ʻo ia ka manawa e alualu ai i kā lākou moeʻuhane no ka loaʻa ʻana o kahi home ke kū nei i kahi maʻi maʻi hoʻololi i ke ola.
Pehea ka lōʻihi e pono ai ʻoe e hoʻolimalima i kahi moraki?
Inā hōʻole ʻia kāu palapala moraki, aia kekahi mau mea e hiki ai iā ʻoe ke hana e hoʻomaikaʻi i kou manawa e ʻae ʻia i ka manawa aʻe. Mai wikiwiki i kahi mea hāʻawi kālā ʻē aʻe, no ka mea hiki ke hōʻike ʻia kēlā me kēia noi ma kāu faila aie.
ʻO nā hōʻaiʻē lā uku āu i loaʻa ai i nā makahiki ʻeono i hala e hōʻike ʻia ma kāu moʻolelo, ʻoiai inā ua uku ʻoe iā lākou i ka manawa. Hiki iā ia ke helu kūʻē iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke uku i ke kuleana kālā o ka loaʻa ʻana o kahi moraki.
ʻAʻole kūpono nā mea hāʻawi kālā. Hoʻokomo ka hapa nui o lākou i kāu ʻikepili noi i loko o kahi kamepiula, no laila ʻaʻole paha ʻoe i hāʻawi ʻia i kahi moraki ma muli o kahi hewa i kāu faila aie. ʻAʻole paha e hāʻawi ka mea hāʻawi iā ʻoe i kumu kikoʻī no ka hāʻule ʻana o kahi noi hōʻaiʻē, ʻaʻole i pili i kāu faila aie.
Loaʻa i nā mea hōʻaiʻē nā ʻano hoʻohālikelike underwriting ʻokoʻa a noʻonoʻo i kekahi mau kumu i ka wā e loiloi ai i kāu noi moraki. Hiki ke hoʻokumu ʻia ma ka hui ʻana o ka makahiki, ka loaʻa kālā, ke kūlana hana, ka ratio loan-to-value, a me ka wahi waiwai.
Moraki me ka emi iho o 1 makahiki o ka hana
Inā loaʻa iā ʻoe kahi hana kau a hana i kahi hapa wale nō o ka makahiki, pilikia paha ʻoe i ka loaʻa ʻana o kahi moraki e kūʻai a hoʻihoʻi hou i kahi home. Inā he kau maoli kāu hana, e like me ka mahiʻai ʻana a i ʻole ka wehe ʻana i ka hau, a i ʻole kahi hana pōkole āu e hana ai i kekahi manawa, hiki ke helu ʻia kēia ʻano hana ma ke ʻano maʻamau.
Pono ʻoe e hāʻawi i nā palapala, e like me nā palapala W-2 a me nā hoʻihoʻi ʻauhau, e hōʻoia i ka mea hoʻolako ua hana ʻoe no ka mea hana hoʻokahi - a i ʻole ma ka liʻiliʻi i hana ma ka laina hana hoʻokahi - no nā makahiki ʻelua i hala. Pono nō hoʻi kāu mea hana e hāʻawi i nā palapala e hōʻike ana e hoʻolimalima hou lākou iā ʻoe i ka wā e hiki mai ana.
ʻO ka loaʻa ʻana o nā palapala kūpono ka mea ʻokoʻa ma waena o ke kūpono ʻana i kahi moraki a ʻaʻole paha. Ma mua o kou hoʻomaka ʻana i kāu palapala moraki, e hōʻoia i loaʻa iā ʻoe nā W-2 makahiki 2 hope loa, nā hoʻihoʻi ʻauhau, nā stubs uku, nā ʻōlelo panakō, a me nā hōʻike ʻē aʻe o ka uku. Pono ʻoe e hāʻawi i ka hōʻoia mai kou haku hana e hoʻolimalima ʻia ʻoe i kēia kau aʻe.
Hiki iaʻu ke loaʻa kahi moraki inā hoʻomaka wau i kahi hana hou?
No ka hapanui o nā mea hāʻawi kālā, ʻo kekahi o nā koi mua he moʻolelo hana maʻamau o ʻelua makahiki, a i ʻole ʻelua makahiki i ka ʻoihana no ka poʻe ʻaiʻē paʻa. Inā ʻaʻohe āu makahiki ʻelua o ka mōʻaukala hana a ke ʻimi nei ʻoe i kahi moraki, pono ʻoe e ʻike he liʻiliʻi nā mea hāʻawi kālā e hiki ke kōkua iā ʻoe.
Na Fannie Mae lāua ʻo Freddie Mac nā alakaʻi e pono ai no ka hōʻaiʻē maʻamau. ʻO nā mea hāʻawi kālā maʻamau, e like me ka panakō āu e loaʻa ai ma kou kaiāulu, e hahai i kēlā mau alakaʻi.
Inā ʻaʻole ʻoe i piha i ʻelua makahiki o ka mōʻaukala hana, hiki iā ʻoe ke loaʻa i kahi moraki e kūʻai ai i kou home moeʻuhane. Eia nō naʻe, ma o kahi papahana ʻaʻole maʻamau. Pono ʻoe e hōʻike he hana ʻoe a loaʻa ka loaʻa kālā mau. E kōkua mākou iā ʻoe e ʻimi i kahi mea hāʻawi kālā nāna e ʻae i kahi moraki me ka ʻole o ʻelua makahiki o ka mōʻaukala hana.
ʻAʻole ʻae ka hapa nui o nā mea hāʻawi kālā iā ʻoe e loaʻa nā hakahaka i ka hana me ka ʻole o ka wehewehe ʻana i kākau ʻia. Hiki ke hana ʻia ke āpau e ka nele o ka hana a me ka manawa e loaʻa ai kahi hana hou. Ma muli paha o ka maʻi a i ʻole ka mālama ʻana i kekahi lālā o ka ʻohana. I kekahi mau hihia, ua hoʻokumu ʻia ka hakahaka ma hope o ka hiki ʻana mai o kahi keiki hānau hou i ka honua. Hoʻole pinepine ʻia ka noi hōʻaiʻē ma muli o ka nele o ka hana. Hiki iā mākou ke lanakila i kēia pilikia a ʻae ʻia kāu noi hōʻaiʻē.
