Pono anei ka ʻinikua ola ke kau inoa i kahi moraki?

ʻEhia ka nui o ka ʻinikua ola moraki i kēlā me kēia mahina?

ʻO kou home kekahi pōhaku kihi o ka wā e hiki mai ana ke kālā o kou ʻohana, no ka mea, he waiwai nui ia e mahalo nui ʻia i ka waiwai. Akā ʻaʻole palekana nā hoʻolālā maikaʻi loa, ʻo ia ke kumu e pono ai nā mea hale i kahi ala e pale ai i kā lākou moraki mai ka hāʻule ʻana i kā lākou hoa pili a i ʻole ka mea hoʻopaʻa inoa inā ua hala lākou. ʻO ia ke kumu e pono ai ka ʻinikua ola e pale i ka moraki.

I koʻu pani ʻana i koʻu hale, loaʻa iaʻu kahi leka ma ka leka uila i kēlā me kēia lā e ʻōlelo ana iaʻu e kūʻai aku i ka ʻinikua ola moraki. Ma ke ʻano he kanaka e hana nei i ka ʻoihana ʻinikua ola, loaʻa iaʻu nā manawa i noʻonoʻo ai inā wau e hoʻolei ana i ka leka nui. (Akā, eia naʻe, ʻo kēlā me kēia envelopp me nā kikokikona ʻulaʻula a me nā leka nui e hōʻoluʻolu iaʻu).

'Oko'a loa ka 'inikua ola moraki, i kekahi manawa i kapa 'ia he 'inikua ho'omalu moraki, no laila he mea nui e ho'omaopopo 'oe i ke 'ano o ka uhi e hā'awi 'ia ana a me kāu mea e pono ai. Eia mākou e kōkua iā ʻoe e hoʻomaopopo i ka ʻokoʻa a me waho o ka ʻinikua palekana moraki, pehea ka hana ʻana o ka ʻinikua ola moraki, pehea ka ʻokoʻa mai ka ʻinikua ola manawa, a ʻo ka mea nui loa, pehea ʻoe e pale ai i kekahi o kāu mau waiwai pipiʻi mai ka nalowale. kaumaha kālā.

Pono ʻoe i ka ʻinikua ola no kahi moraki ma Ireland?

ʻO ke kūʻai ʻana i hale kahi waiwai nui e koi ai i ka hapa nui o nā mea kūʻai aku e lawe i kahi hōʻaiʻē moraki. ʻO ka mea pōʻino, hiki i ka make ʻana o ka mea nona ke koi i ka ʻohana e neʻe ma muli o ka nele o nā kumuwaiwai kālā e hoʻokō ai i nā uku moraki. E kōkua ka ʻinikua ola iā ʻoe e pale i kēia. ʻElua mau koho: ʻinikua ola moraki a me ka ʻinikua ola pilikino.

Ua kapa ʻia hoʻi ka ʻinikua o ka poʻe ʻaiʻē, hāʻawi ʻia kēia uhi e ka panakō kālā i ke kūʻai ʻana i ka home, a hiki iā ʻoe ke loaʻa i ka manawa koke. ʻAʻole pono kahi hoʻokolohua lapaʻau: e pane wale i kekahi mau nīnau e loaʻa ai kahi palapala e hōʻike ana e uku ka hui kālā i ke koena o kāu moraki i ka hopena o kou make. ʻOiai he mea maʻalahi loa ka loaʻa ʻana, hāʻawi kēia ʻinikua i ka liʻiliʻi liʻiliʻi, no ka mea ma luna o nā mea āpau e pane i nā pono o ka hui, ʻo ia ka mea e loaʻa. I ka nui o na hihia, e mau ana ka uku inikua, ina paha e emi ana ke koena o ka moraki.

Akā inā hoʻoholo ʻoe e hoʻololi i kāu ʻoihana kālā e hoʻohana i ka uku uku haʻahaʻa, pono ʻoe e lawe i kahi ʻinikua ola moraki hou. Hiki ke piʻi ka uku no ka mea ua ʻelemakule ʻoe a i ʻole ua pōʻino kou olakino.

ʻinikua ola moraki

Akā ʻo ia ka mea a lākou e ʻōlelo ai ke nīnau ʻia e pili ana i ka ʻinikua mālama moraki, e like me ka Anne Marie Thomas o InsuranceHotline.com, kahi kahua hoʻohālikelike inikua. 'inikua ka hapanui o Canadians i kama'āina me, ka mea ia oe e kuai, maʻamau mai ka Canada Mortgage and Housing Corp. (CMHC), ke emi iho ka uku ma lalo o 20 % o ka waiwai home.READ MORE: CMHC Mortgage Insurance Premiums: Eia ka pehea ʻO nā kumukūʻai Rose across Canada e hoʻomaka ana i kēia lā ʻAʻole like me ka ʻinikua moraki i ʻike nui ʻia, ka mea e pale ai i ka poʻe hāʻawi kālā inā paʻa ka hale, ʻo ka ʻinikua pale moraki ke ʻano o ka ʻinikua ola. Uhi i ka aie moraki i ka make a me ke kino kīnā. Ke hoʻomau nei ka moʻolelo ma lalo o ka hoʻolaha

Ho'āʻo maʻamau nā panakō e kūʻai aku i nā mea hale i kēia ʻano ʻinikua ke lawe lākou i kahi moraki hou. Wahi a Thomas, nui nā mea āna i makemake ʻole ai: 1. Ke iho nei ka uku ʻinikua mālama moraki me ka moraki. 2. ʻO kēia ʻano kulekele e uhi wale ana i ka ʻaiʻē koʻikoʻi, ʻo ia hoʻi, ʻoi aku ka liʻiliʻi o ka uku i ka wā i uku ʻia ai ka moraki. ʻAʻole ʻokoʻa nā kumukūʻai ʻinikua, ma kekahi ʻaoʻao, i ka wā o ka ʻinikua HEKAU MORE: Ua nalowale nā ​​​​aie i uku ʻole ʻia? 2. Hiki iā ʻoe ke ʻike i ka wā e waiho ai ʻoe i kahi koi ʻaʻole ʻoe i kuleana e uhi i nā kulekele ʻinikua moraki "ua kākau pinepine ʻia ma hope," wahi a Thomas. ʻO ia ke ʻano e nānā wale ka hui ʻinikua i kāu hihia ke waiho ʻoe i kahi koi. A hiki loa iā ʻoe ke ʻike i kekahi mea e pili ana i kāu kūlana kūikawā e uhaki ana i ka ʻaelike inikua, e waiho ana i kou ʻohana me ka ʻole o ka uhi ʻana i ka wā āu e makemake nui ai. 'A'ole pono ka 'inikua e hele ma Kanada? E noonoo hou3. ʻO ka ʻinikua palekana moraki e koi iā ʻoe e hoʻololi i kāu kulekele i ka hopena o kāu kau moraki, wahi a Thomas. Hoʻomau ka moʻolelo i ka hoʻolaha aʻe

ʻinikua moraki

'Inikua pa'amau no ka moraki Pono 'inikua pa'amau no ka moraki ke waiho 'oe ma lalo o 20% ma kou home. Mālama ia i ka mea hāʻawi moraki inā ʻaʻole hiki iā ʻoe ke uku i ka hōʻaiʻē. Hiki iā ʻoe ke hoʻokomo i ke kumukūʻai o ka ʻinikua i kāu uku moraki i kēlā me kēia mahina. ʻIke ʻia ka ʻinikua paʻamau moraki ʻo Canada Housing and Mortgage Corporation (CMHC). Inā make ʻoe me ke koena o kāu hōʻaiʻē moraki, e uku ana kāu hōʻaiʻē moraki i kēlā huina i ka mea hāʻawi moraki. Kōkua ka ʻinikua ola moraki i kou ʻohana e noho ma kou home ma hope o kou hala ʻana. Hele pololei nā pōmaikaʻi kulekele i ka mea nāna e hāʻawi aku, ma mua o kou ʻohana. ʻIke ʻia ʻo Mortgage Life Insurance (MPI). He mea paʻakikī ka mālama ʻana i kāu mau uku mahina inā loaʻa iā ʻoe kahi maʻi kīnā ʻole a ʻeha paha. ʻO kēia kahi e komo ai ka ʻinikua kīnā moraki. Ma waho aʻe o ka nīnau ma luna, nīnau pinepine nā mea hale hou i nā nīnau e like me kēia: Pono anei ka ʻinikua ola moraki ma Ontario? Pono anei ka ʻinikua moraki ma Kanada?