'Inikua hale no nā hale i ho'opa'a 'ole 'ia
E aʻo koke ka poʻe kūʻai hale e ʻimi kālā i kā lākou kūʻai ʻana i ka mea i ʻike mua ʻia e ka poʻe paʻa moraki: ʻO kāu panakō a ʻoihana moraki paha e koi aku i ka ʻinikua hale. ʻO kēia no ka mea pono nā mea hāʻawi kālā e pale i kā lākou kālā. Inā pōʻino kou home i ke ahi a i ʻole i pōʻino nui ʻia e ka makani ʻino, ka puahiohio, a i ʻole nā pōʻino ʻē aʻe, mālama ka ʻinikua hale iā lākou (a ʻo ʻoe) mai ka pohō kālā.
Inā noho ʻoe ma kahi e kahe ana, e koi pū ana kāu panakō a i ʻole hui moraki iā ʻoe e kūʻai i ka ʻinikua wai. Pono paha kekahi mau ʻoihana kālā i ka uhi ōlaʻi inā ʻoe e noho ana ma kahi ʻāpana pilikia i ka hana seismic.
Inā kūʻai ʻoe i kahi hui a i ʻole condominium, ke kūʻai nei ʻoe i kahi hoihoi kālā i kahi hui nui. No laila, makemake paha ka papa alakaʻi o ka hui a i ʻole condominium iā ʻoe e kūʻai i ka ʻinikua nona ka hale e kōkua i ka mālama kālā i ka paʻakikī holoʻokoʻa i ka wā o kahi pōʻino a i ʻole ulia pōpilikia.
Ke uku ʻia ka moraki ma kou home, ʻaʻohe mea e koi iā ʻoe e lawe i ka ʻinikua home. Akā, ʻo kou home paha kāu waiwai nui loa, a ʻaʻole hoʻopaʻa wale ke kulekele o ka mea hale maʻamau i ka hale; Hoʻopili pū ia i kāu mau mea i ka wā o kahi pōʻino a hāʻawi i ka palekana kuleana i ka wā o ka hōʻeha a i ʻole ka hoʻopiʻi pōʻino waiwai.
ʻOi aku ka maikaʻi o ka ʻinikua home me ka ʻole o ka moraki?
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi 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 ʻae ʻole, a e ʻae iā ʻoe e alakaʻi i ka 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.
Pono ʻoe i ka ʻinikua home no kahi condo?
ʻO ke kūʻai ʻana i kahi home he hoʻokō kālā koʻikoʻi. Ma muli o ka hōʻaiʻē āu e koho ai, hiki iā ʻoe ke hana i ka uku no 30 mau makahiki. Akā he aha ka hopena i kou home inā e make koke ʻoe a i ʻole ke kino kīnā ʻole e hana?
He ʻano kulekele ʻinikua ʻo MPI e kōkua ana i kou ʻohana e uku i ka moraki i kēlā me kēia mahina inā ʻoe - ka mea kuleana a me ka mea ʻaiʻē moraki - e make ma mua o ka uku ʻia ʻana o ka moraki. Hāʻawi pū kekahi mau kulekele MPI i ka uhi no ka manawa palena inā nalo ʻoe i kāu hana a i ʻole ke kīnā ma hope o kahi ulia pōpilikia. Ua kapa ʻia kekahi mau ʻoihana he ʻinikua ola moraki no ka mea ke uku wale nei ka hapa nui o nā kulekele i ka wā i make ai ka mea kuleana.
ʻO ka hapa nui o nā kulekele MPI e hana like me nā kulekele ʻinikua ola kuʻuna. I kēlā me kēia mahina, uku ʻoe i ka mea hoʻolako i ka uku o kēlā me kēia mahina. Mālama kēia premium i kāu uhi i kēia manawa a hōʻoia i kou pale. Inā make ʻoe i ka wā o ke kulekele, uku ka mea hoʻolako i ke kulekele i ka pōmaikaʻi make e uhi ana i kekahi helu o nā uku moraki. ʻO nā palena o kāu kulekele a me ka helu o nā uku mahina e uhi ai kāu kulekele e pili ana i kāu kulekele. Nui nā kulekele e hoʻohiki e uhi i ke koena o ka moraki, akā hiki ke hoʻololi ʻia kēia e ka mea hoʻolako. E like me nā ʻano ʻinikua ʻē aʻe, hiki iā ʻoe ke kūʻai a puni no nā kulekele a hoʻohālikelike i nā mea hāʻawi kālā ma mua o ke kūʻai ʻana i kahi hoʻolālā.
I ka manawa hea ʻoe e loaʻa ai ka ʻinikua home?
ʻAʻole pono ʻoe e lilo i loea ʻinikua i ke kūʻai ʻana no kou home mua, akā hiki ke paʻakikī ke ʻike ʻoe i nā huaʻōlelo "inikua home" a me "inikua moraki" no ka manawa mua. I kou aʻo ʻana e pili ana i kāu pono ʻinikua i kēia mea nui hou i kou ola, hiki ke kōkua i ka ʻike he ʻokoʻa ma waena o ka ʻinikua home a me ka ʻinikua moraki. Ma muli o nā kumu he nui, ʻaʻole pono nā mea hale āpau i ka ʻinikua moraki, akā no ka mālama pono ʻana i kou home hou, pono pinepine ka ʻinikua home.
Ke hoʻomaka nei ʻoe e ʻimi i kahi home a e ʻimi i ke kaʻina hana no ka loaʻa ʻana o nā hōʻaiʻē home, eia ka nānā ʻana i kēlā me kēia ʻano ʻinikua, no ke aha ʻoe e pono ai, he aha ia e kōkua ai e uhi, a i ka wā e kūʻai ai ʻoe.
ʻO ka ʻinikua moraki, ʻike ʻia hoʻi he ʻinikua moraki kūʻokoʻa a i ʻole PMI, he ʻinikua e koi ʻia e kekahi poʻe hāʻawi kālā e pale i kā lākou mau pono i ka wā e hōʻole ʻoe i kāu hōʻaiʻē. ʻAʻole uhi ka ʻinikua moraki i ka home a i ʻole pale iā ʻoe ma ke ʻano he mea kūʻai aku. Akā, mālama ʻo PMI i ka mea hāʻawi kālā inā ʻaʻole hiki iā ʻoe ke hana i nā uku.
