ʻO ke kūʻai ʻana i hale me kahi mea āu i mare ʻole ai, ʻauhau
Inā noho ʻoe me kāu hoa kāne a i ʻole hoa kāne akā ʻaʻole kou inoa ma ka moraki, hiki iā ʻoe ke kuleana i ka waiwai. Pili kēia i nā kūlana, me ka male ʻana a ʻaʻole paha.
Inā male ʻoe a i ʻole i loko o kahi hui kūloko a ʻaʻole i helu ʻia ma ka moraki, hiki iā ʻoe ke noi i kahi leka hoʻomaopopo i nā kuleana i ka home male. Hāʻawi kēia iā ʻoe i kekahi mau kuleana noho, akā ʻaʻole e hāʻawi iā ʻoe i nā kuleana waiwai. Eia naʻe, inā hoʻokaʻawale ʻoe a hemo paha, e ʻōlelo paha ka ʻaha he kuleana kou i ka waiwai.
ʻAʻole hiki iā ʻoe ke noi no ke kuleana noho male ma ka waiwai a kāu kāne a wahine paha me kekahi ʻē aʻe. Eia hou, hiki iā ʻoe ke noi i ke kuleana i ka hale ma kahi waiwai hoʻokahi. He mea nui e hoʻomanaʻo ʻo ke kuleana i ka hale male wale nō e hāʻawi iā ʻoe i nā kuleana noho; ʻaʻole hāʻawi iā ʻoe i ke kuleana i ke kuleana o ka waiwai.
Inā male ʻoe a ʻaʻole kou inoa ma ka moraki, e kuleana ʻoe i ka waiwai a hiki iā mākou ke kūkākūkā i kēia me nā kikoʻī. Inā makemake ʻoe i ʻike hou aʻe, mai hoʻokaʻulua e hoʻokaʻaʻike mai iā mākou no kahi kūkākūkā mua manuahi. Hiki iā ʻoe ke kamaʻilio me kā mākou loio remortgage.
Ke kūʻai ʻana i hale me ka mea male ʻole
ʻO ka mea pōmaikaʻi, aia ka nui o nā papahana moraki, me nā hōʻaiʻē haʻahaʻa a me ka uku ʻole, e maʻalahi i nā mea noi hoʻokahi ke kūʻai i home. A ʻo nā uku pānaʻi haʻahaʻa o kēia lā e ʻoi aku ka maʻalahi o ke kūʻai ʻana.
Loaʻa kēia no ka loaʻa ʻana o kahi hōʻike hōʻaiʻē hui o kēlā me kēia moraki a me nā helu, a hoʻohana i ka haʻahaʻa o nā helu ʻelua a i ʻole ka awelika o nā ʻekolu e loiloi i nā noi. ʻO ka helu a lākou e hoʻohana ai, ua kapa ʻia he helu ʻaiʻē hōʻike.
I kekahi mau makahiki i hala aku nei, ua aʻo ka Federal Reserve i nā kumukūʻai moraki a ʻike i kahi mea kupanaha. ʻOi aku ma mua o 600.000 mau hōʻaiʻē i aʻo ʻia, hiki i ka 10% ke uku ma ka liʻiliʻi he 0,125% ka liʻiliʻi inā ua noi wale ka lālā ʻohana kūpono loa.
Pono paha e nānā me kāu luna hōʻaiʻē. No ka laʻana, inā loaʻa kahi FICO o 699 i kekahi a he FICO o 700 kekahi, e mālama lākou i $500 i nā uku hōʻaiʻē no kēlā me kēia $100.000 i ʻaiʻē ʻia ma muli o nā uku Fannie Mae no nā helu ma lalo o 700.
ʻO ka hemahema nui o kēia hoʻolālā, ʻo ka mea kūʻai hoʻokahi o ka hale e pono ke kūpono me ke kōkua ʻole o ka loaʻa kālā o kāna kāne. No laila, no ka hana ʻana, pono paha i ka hoa moraki ka helu ʻaiʻē kiʻekiʻe a me ka loaʻa kālā nui.
Minamina wau i ke kūʻai ʻana i hale me kaʻu hoaaloha
Inā noho ʻoe me kāu hoa, pono ʻoe e hoʻoholo i ka mea e hana ai me kou hale ke kaʻawale ʻoe. ʻO kāu mau koho e pili ana inā he male ʻoe, male, a i ʻole ma kahi hui kūloko, a inā ʻoe e hoʻolimalima a nona paha kou home.
Inā ua ho'āʻo mua ʻoe e hana i nā mea me kāu ex a paʻakikī iā ʻoe, hiki iā ʻoe ke noi i ke kōkua e loaʻa i kahi ʻaelike. Hiki i kekahi loea i kapa ʻia ʻo "mediator" ke kōkua iā ʻoe a me kāu hoa o mua e ʻimi i kahi hopena me ka hele ʻole i ka ʻaha hoʻokolokolo.
ʻO ka mea maʻamau, inā haʻalele ʻoe i kou home, ʻaʻole e hāʻawi ka ʻaha kūkā iā ʻoe i ke kōkua hale no ka mea ua 'manaʻo ʻole ʻoe. ʻAʻole pili kēia inā ua haʻalele ʻoe i kou home no ka hoʻomāinoino ʻana i ka home.
Inā hoʻoholo ʻoe e hoʻopau i kāu hoʻolimalima a hoʻoneʻe paha i ka hale, manaʻo paha ka ʻaha kūkā nau ka hewa ʻaʻohe ou wahi e noho ai. ʻO kēia ka mea i kapa ʻia ʻo "intentional homeless". Inā manaʻo ka ʻaha kūkā he home ʻole ʻoe, ʻaʻole hiki iā lākou ke loaʻa iā ʻoe kahi hale lōʻihi.
Inā male ʻoe a he kāne de facto paha, aia iā ʻolua ke "kuleana i ka hale". ʻO ia ke ʻano hiki iā ʻoe ke noho i kou hale, ʻoiai inā ʻaʻole ʻoe iā ia a ʻaʻole i helu ʻia ma ka hoʻolimalima. Pono ʻoe e neʻe paʻa inā pau kāu male ʻana a i ʻole ka pilina pili home, a i ʻole ke kauoha ʻia e ka ʻaha, no ka laʻana, ma ke ʻano he ʻāpana o kāu hemo.
Pehea e pale ai iā ʻoe iho i ke kūʻai ʻana i hale me kāu hoa
He liʻiliʻi a liʻiliʻi nā kāne e mare ma mua o ke kūʻai ʻana i home. Ke piʻi nei ka noho pū ʻana, ʻoi aku ma waena o nā ʻōpio. ʻO ka ʻikepili hou loa mai ka Office for National Statistics [2019] e hōʻike ana he ʻoi aku ma mua o ʻelua hapakolu o ka poʻe 16-29 makahiki i noho pū me kahi hoa noho.
I ka wā e pili ana i nā paio noho, 95% o ka poʻe e hele ana ma koʻu puka, ʻo ia ka poʻe i kaʻawale wale mai kā lākou hoa a makemake e ʻike "He ʻāpana kaʻu o ka waiwai o kaʻu hoa?" aiʻole "He kuleana anei au i kekahi mea?" ʻO ka ʻoiaʻiʻo paʻakikī, ʻoiai inā ua noho ʻoe ma ka hale hoʻokahi no iwakālua mau makahiki a hānai pū i kāu mau keiki, hiki iā ʻoe ke haʻalele me ka mea ʻole ke ʻole ʻoe i nā hoʻolālā a me nā pale kūpono.
ʻO kēia ke ʻano maʻamau o ka ʻona hui. ʻO ka mea nona ka hale i loko o ke aupuni hui pū, ʻo ia ka manaʻo o ka kāne nona ka hale he 50%, me ka nānā ʻole i ka nui o kēlā me kēia i hāʻawi i ka waihona a i ʻole ka uku moraki o kēlā me kēia mahina. ʻO ia hoʻi, inā e make kekahi o lākou, e lilo kā lākou ʻāpana i kekahi ʻaoʻao me ka nānā ʻole i nā ʻōlelo o kā lākou makemake. Kapa ʻia kēia ʻo ka "kuleana ola."
