He aha ka ʻinikua moraki hāʻawi? ʻehia?
Ma ke ʻano he Kanaka e ʻimi nei e kūʻai i hale, e aʻo koke ʻoe ʻo ka ʻinikua paʻamau moraki kahi mea āu e pono ai, ʻoiai inā e hoʻolālā ʻoe i ka waiho ʻana ma lalo o ka 20% uku. Ma ke kānāwai, hiki i nā panakō Kanada ke hāʻawi wale i ke kālā moraki i ka poʻe nona ka hale me ka liʻiliʻi o kēia uku haʻahaʻa, ke ʻole e hoʻopaʻa ʻia ka moraki me ka paʻa ʻole. ʻOiai ʻaʻole ia e like me ka nui o ke kālā, hiki i ka 20% ke uku nui ma muli o ke ʻano o ka home āu e ʻimi nei, kahi āu e noho ai, a me nā mea a kāu mākeke kūloko. E aʻo hou e pili ana i ka waiwai o ka loaʻa ʻana o ka ʻinikua paʻamau moraki a me ke ʻano maoli mai ka manaʻo o ka mea kūʻai aku.
ʻO ka'ōlelo maʻalahi, mālama ka 'inikua paʻamau o ka moraki i ka mea hāʻawi aku ināʻoe e "paʻamau" i ka moraki -ʻo ia hoʻi, ināʻaʻoleʻoe e hana i nā uku i hoʻohikiʻia i kou kau inoaʻana i nā palapala i ka pauʻana. He mea nui e hoʻomaopopo ʻaʻole e pale kēia uhi iā ʻoe ma ke ʻano he mea hōʻaiʻē. ʻO kā lākou pahuhopu, ʻo ia ka hōʻemi ʻana i ka pae o ka mea nāna e hāʻawi aku i ka pilikia ma ka hāʻawi ʻana iā ʻoe i kahi mea e hoʻihoʻi ai inā ʻoe e poina i kāu hopena o ka ʻaelike me kāu mau uku. Ma Kanada, ʻo kēlā me kēia moraki me ka uku haʻahaʻa ma lalo o 20% e koi ʻia ka ʻinikua paʻamau moraki:
He aha ka ʻinikua moraki ma Kanada? me ko Sagen
Pono ke aupuni Kanada iā ʻoe e loaʻa ka ʻinikua hōʻaiʻē moraki inā e kūʻai ana ʻoe i home me ka uku haʻahaʻa ma lalo o 20 pakeneka o ka huina kālā. ʻAʻole e huikau me ka ʻinikua ola moraki, ʻo ia kekahi huahana i kūʻai pinepine ʻia e nā mea hāʻawi.
ʻO kēia ka lono ʻino. ʻAʻole mālama kēia ʻinikua iā ʻoe inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki. Hoʻopiʻi i nā mea hōʻaiʻē moraki inā ʻaʻole ʻoe e uku. No laila, ʻoiai inā e uku ʻoe i nā uku, ʻaʻole ʻoe e uku ʻia inā e uku ʻia.
ʻAe, inā ʻaʻole loaʻa iā ʻoe ka 20% o ka uku haʻahaʻa haʻahaʻa. Hāʻawi ia i nā poʻe e kūʻai i kahi home me ka uku haʻahaʻa o ka liʻiliʻi o 5 pakeneka. He mau rula ko ka Canadian Housing and Mortgage Corporation (CMHC) no ka 'inikua aie moraki.
Pehea e hoʻoholo ʻia ai ka uku ʻinikua paʻamau moraki? Ua helu ʻia ke kumukūʻai ma ke ʻano he pākēneka o ka hōʻaiʻē a hoʻokumu ʻia ma ka nui o ka uku i lalo. ʻO ke kiʻekiʻe o ka pākēneka o ke kumukūʻai home a pau āu e hōʻaiʻē ai, ʻoi aku ka nui o kāu e uku ai i nā uku inikua paʻamau. Eia kahi loulou i nā kumukūʻai moraki CMHC mai ka Canada Mortgage and Housing Corporation.
Pono anei ka ʻinikua paʻamau o ka moraki?
E makaʻala i nā moraki ʻelua "Piggyback" Ma ke ʻano he ʻokoʻa i ka ʻinikua moraki, hiki i kekahi mau mea hāʻawi kālā ke hāʻawi i ka mea i kapa ʻia ʻo "piggyback". E hoʻohālikelike mau i ka huina kālā ma mua o ka hoʻoholo hope. E aʻo hou e pili ana i nā moraki lua. Pehea e loaʻa ai ke kōkua Inā ʻaʻole ʻoe ma hope o kāu moraki, a i ʻole e pilikia ana i ka uku ʻana, hiki iā ʻoe ke hoʻohana i ka mea hana CFPB Find a Counselor no ka papa inoa o nā keʻena aʻoaʻo hale ma kou wahi i ʻae ʻia e HUD. Hiki iā ʻoe ke kelepona i ka HOPE™ hotline, wehe i nā hola 24 o ka lā, ʻehiku lā o ka pule, ma (888) 995-HOPE (4673).
He aha ka uku ʻinikua moraki FHA?
Ua koi ʻia ka ʻinikua paʻa moraki e ke Aupuni o Kanada i ka wā i hoʻohaʻahaʻa ai ka poʻe kūʻai hale ma lalo o ka 20% o ka uku hoʻohaʻahaʻa e koi ʻia no ka loaʻa ʻana o kahi moraki maʻamau. Hoʻopiʻi kēia ʻano ʻinikua i nā mea hōʻaiʻē moraki no nā poho i hoʻokumu ʻia e ka paʻa ʻole o ka moraki. ʻO ke kumu maʻamau o ka hoʻopaʻa ʻole ʻana ʻaʻole i ka uku moraki.
No ke kūpono ʻana i ka ʻinikua paʻamau moraki, pono ʻoe e hoʻokō mua i nā koi o ka hōʻaiʻē ʻana o kāu panakō, a me nā lula underwriting o kāu mea hoʻolimalima moraki. Hāʻawi ʻia ka ʻinikua e kekahi mau mea hōʻoia moraki, me ka Canada Mortgage and Housing Corporation (CMHC).
