ʻO ka ʻinikua palekana uku moraki ma Ireland
ʻO ke kumu kūʻai o ka hale median ma UK he £265.668 i Iune 2021 * - me nā kumukūʻai kiʻekiʻe, nui nā mea hale e uku i kahi moraki, no laila maopopo ke kumu e makemake ai ka poʻe e hoʻolilo i ke koena o ka loaʻa kālā. Eia nō naʻe, inā he mau keiki kāu, he hoa pili, a i ʻole nā mea hilinaʻi ʻē aʻe e noho pū ana me ʻoe e hilinaʻi kālā nei iā ʻoe, hiki ke noʻonoʻo ʻia ka lawe ʻana i ka ʻinikua ola moraki he lilo nui.
He mea nui e noʻonoʻo i ka ʻinikua ola i ke kūʻai ʻana i hale ma ke ʻano he kāne. Inā kūʻai ʻoe i kou hale me kāu hoa, hiki ke helu ʻia nā uku moraki ma muli o ʻelua mau uku. Inā e make ana ʻoe a i ʻole kāu hoa pili i ka wā e kū ana ka hōʻaiʻē moraki, e hiki anei i kekahi o ʻoukou ke mālama i kāu uku moraki maʻamau iā ʻoe iho?
Hiki ke kōkua ka ʻinikua ola ma ka uku ʻana i kahi huina kālā inā make ʻoe i ka wā o kāu kulekele, hiki ke hoʻohana ʻia e kōkua i ka uku ʻana i ke koena moraki - ʻo ia ka mea maʻamau i kapa ʻia ʻo 'inikua ola moraki', ʻo ia hoʻi lākou. hiki ke hoʻomau i ka noho ʻana i ko lākou home ʻohana me ka hopohopo ʻole e pili ana i ka moraki.
Inikua hoomalu moraki ina make
Ua wehewehe ʻia ka huaʻōlelo "inikua moraki" a hiki ke hoʻohana ʻia i kekahi mau huahana ʻinikua, e like me ka pale ʻana i ka uku moraki, pale moraki maʻamau, ʻinikua ola, palekana loaʻa, uhi i ka maʻi koʻikoʻi, a me nā mea ʻē aʻe. ʻO nā huaʻōlelo e like me "inikua ola moraki" a me "inikua mālama moraki" ʻo ia ka mea maʻamau, hiki ke hoʻololi i nā mea.
ʻO ka ʻinikua hoʻomalu uku moraki he ʻinikua e kōkua i ka hōʻoia ʻana i ka uku ʻana i nā uku moraki inā loaʻa kekahi mea e pale iā ʻoe mai ka uku ʻana iā lākou.
ʻAʻole koi pinepine ka mea hāʻawi kālā iā ʻoe he kulekele ma ke ʻano he kūlana e ʻae iā ʻoe no kahi hōʻaiʻē. ʻOi aku ka maikaʻi o ka hoʻāʻo ʻana o ka mea hāʻawi kālā e kuhikuhi inā ʻae lākou i kāu moraki a ʻaʻole paha.
Eia nō naʻe, no ka mea he koho maʻamau ka ʻinikua uku moraki, ʻaʻole ia he manaʻo e haʻalele ʻoe. Akā, pono ʻoe e nīnau iā ʻoe iho pehea ʻoe e hoʻokele ai inā ʻaʻole hiki iā ʻoe ke uku i kāu uku moraki, a i ʻole, pehea e mālama ai kou ʻohana inā e make ʻoe.
'Inikua ola moraki no na kanaka makua
E hoʻopaʻa inoa iā Samantha Haffenden-AngearIndependent Protection Expert0127 378 939328/04/2019 ʻOiai he mea kūpono ke noʻonoʻo e lawe i ka Inikua Ola e uhi i kāu hōʻaiʻē moraki, ʻaʻole pono ia. ina oe e make. Hāʻawi ʻia i ke kumukūʻai o ka ʻinikua ola, inā he hoa a ʻohana paha ʻoe, pono e noʻonoʻo pinepine ʻia, me ka ʻole o ke koi a ʻaʻole paha. ʻO kahi kulekele ʻinikua wā moraki maʻalahi e uku i ka huina kālā e like me ka ʻaiʻē o ka moraki, e ʻae ana i kāu poʻe aloha e uku i ke koena a noho i ko lākou home ʻohana. Inā kūʻai ʻoe i home ma kāu iho a ʻaʻohe ʻohana e hoʻomalu ai, a laila ʻaʻole like paha ka mea nui ʻo Mortgage Life Insurance. Inā makemake ʻoe e kiʻi i kahi manaʻo o ke kumukūʻai o Life Insurance, e hoʻokomo i kāu kikoʻī ma lalo a loaʻa i nā ʻōlelo ʻōlelo ʻo Mortgage Life Insurance ma ka pūnaewele mai nā mea hoʻokele 10 kiʻekiʻe o UK. Eia kekahi mau kumu kūpono ke kamaʻilio pū me mākou.
Pono ʻoe i ka pale moraki a me ka ʻinikua ola?
Pono ka 'inikua pa'amau no ka moraki ke ho'emi '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 Mortgage and Housing Corporation (CMHC). Inā make ʻoe me ke koena o kāu hōʻaiʻē moraki, e uku ʻo ia i kēlā kālā i ka mea hāʻawi moraki. Kōkua ka ʻinikua ola moraki i kou ʻohana e noho ma kou home ma hope o kou hala ʻana. E hele pololei ana ke kulekele i ka mea nāna e hāʻawi aku, ma mua o kou ʻohana, ʻike ʻia ka ʻinikua mālama moraki (MPI). He mea paʻakikī ka mālama ʻana i nā uku o kēlā me kēia 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 i luna, nīnau pinepine nā mea hale hou i nā nīnau e like me: Pono anei ka ʻinikua ola moraki ma Ontario? Pono anei ka ʻinikua moraki ma Kanada?
