Pono au e hāʻawi i kaʻu kāne i ke kaulike ma ka hemo ʻana?
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
ʻO ka mea hōʻaiʻē moraki maikaʻi loa o Ascent no 2022 ke piʻi nei nā kumukūʻai moraki, a wikiwiki hoʻi. Akā, haʻahaʻa mau lākou i ka hoʻohālikelike ʻana i nā kūlana mōʻaukala. No laila, inā makemake ʻoe e hoʻohana i nā kumukūʻai ma mua o ke kiʻekiʻe ʻana, makemake ʻoe e ʻimi i kahi mea hāʻawi kālā e hiki ke kōkua iā ʻoe e hoʻopaʻa i ka uku maikaʻi loa. e like me 3 mau minuke, ʻaʻohe hōʻaiʻē paʻakikī, a laka i kāu helu i kēlā me kēia manawa. ʻO kekahi pōmaikaʻi? ʻAʻole lākou e uku i ka hoʻokumu ʻana a i ʻole nā uku hāʻawi kālā (hiki ke kiʻekiʻe e like me 2% o ka nui o ka hōʻaiʻē no kekahi mau mea hāʻawi kālā).
Hiki iā ʻoe ke loaʻa i kahi moraki me ka ʻole o ke kauoha hemo
Inā ʻoe i loaʻa i ka hemo ʻana, ʻike ʻoe i ke koʻikoʻi o nā mea a pau e pili ana. A, e like me ka luhi e like me ka hemo ʻana mai ka manaʻo a me ka noʻonoʻo o ka noʻonoʻo, e hōʻike pū ana hoʻi i nā pilikia kālā he nui.
ʻO ka nui o nā waiwai kālā āu i hōʻiliʻili ai me kāu ex-spouse, ʻoi aku ka paʻakikī o ka wehe ʻana i nā mea āpau. A ʻaʻole paha ʻolua e ʻae mau e pili ana i ka mea i loaʻa i kekahi mau waiwai, e like me kou hale.
Inā makemake kekahi e mālama i ka hale a ʻaʻole mālama kekahi, a laila he mea kūpono paha ke kūʻai aku ka wahine i kekahi. Eia nō naʻe, pono ʻoe e hōʻoia e hiki iā ʻoe ke uku i nā uku moraki ma kāu iho.
A inā ʻoe e noho a kūʻai aku paha, pono ʻoe e ʻae i ka māhele ʻana o ke kaulike ma kou home. Hiki ke hoʻohana ʻia ke kaulike ma ke ʻano he puʻupuʻu kūʻai inā makemake kekahi i ka hale a makemake kekahi e pale i nā kuleana kālā e hiki mai ana.
ʻO nā mea a pau āu e hoʻoholo ai, he mea nui e hana pū me nā loio a me nā kākā'ōlelo kālā e hiki ke kōkua iā ʻoe a me kāu wahine e hana i kēia mau hoʻoholo. E hele mai kēia mau kākā'ōlelo me ka manaʻo kūʻokoʻa a e noʻonoʻo i ka pono o nā ʻaoʻao ʻelua.
Nā nīnau e pili ana i ka hemo a me ka moraki
ʻO kēia mau koho e pili ana i nā mea e like me ka nui o ke kaulike ma ka home male, pehea i kūʻai ʻia ai a me ke poʻo inoa, inā makemake kekahi e noho i ka home, ka hoʻoholo hemo ʻana, a me nā helu ʻaiʻē o nā mea a pau e pili ana.
Inā ʻaʻohe āu kālā e uku ai i ka moraki iā ʻoe iho, ʻike paha ʻoe ʻaʻole e ʻae ka mea hāʻawi moraki i kahi hōʻaiʻē hou no kahi home hoʻokahi. Inā ʻaʻole hiki iā ʻoe ke hoʻonui koke i kāu kālā, pono paha ʻoe e kūʻai aku i ka home male.
Inā ua hāʻule kāu helu ʻaiʻē ma hope o kou lawe ʻana i kāu hōʻaiʻē home i kēia manawa, ʻaʻole paha ʻoe e ʻae hou i ka hoʻolimalima hou. Hiki paha iā ʻoe ke lanakila i ka helu ʻaiʻē haʻahaʻa me ka helu hou ʻana, akā ʻaʻole mamao loa ka holomua me ka hoʻohana ʻana i kēlā ʻano.
No ka laʻana, inā ua kūkulu ʻoe i kahi pākēneka liʻiliʻi o ke kaulike, ʻaʻole hiki ke loaʻa ke kālā hou. ʻO ka mea pōmaikaʻi, aia nā koho moraki e hiki ke kōkua iā ʻoe e hoʻokō me ka nele o ka ʻupena waiwai.
Eia naʻe, pono e hōʻike ka wahine i koe ua uku piha lākou i ka moraki no nā mahina ʻeono i hala. ʻOi aku ka maikaʻi o ka Streamline Refinance no ka poʻe i hoʻokaʻawale ʻia no kēia lōʻihi.
Home Equity Loan no ka oki mare
Palapala hoʻoponopono: Loaʻa iā Credit Karma ka uku mai nā mea hoʻolaha ʻaoʻao ʻekolu, akā ʻaʻole pili ia i ka manaʻo o kā mākou mea hoʻoponopono. ʻAʻole loiloi kā mākou mea hoʻolaha, ʻae a kākoʻo i kā mākou ʻike hoʻoponopono. He pololei ia i ko mākou ʻike a me ko mākou manaʻoʻiʻo ke paʻi ʻia.
Manaʻo mākou he mea nui iā ʻoe ke hoʻomaopopo i ke ʻano o ka loaʻa kālā. ʻOiaʻiʻo, maʻalahi loa. ʻO nā hāʻawi o nā huahana kālā āu e ʻike ai ma kā mākou kahua mai nā hui e uku mai iā mākou. ʻO ke kālā i loaʻa iā mākou e kōkua iā mākou e hāʻawi iā ʻoe i ka loaʻa ʻana o nā helu hōʻaiʻē manuahi a me nā hōʻike a kōkua iā mākou e hana i kā mākou mau mea hana hoʻonaʻauao maikaʻi loa.
Hiki i ka uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kā mākou kahua (a ma ke ʻano he aha). Akā, no ka mea maʻamau mākou e loaʻa kālā ke loaʻa ʻoe i kahi hāʻawi āu e makemake ai a kūʻai mai, hoʻāʻo mākou e hōʻike iā ʻoe i nā makana a mākou i manaʻo ai he kūpono ia no ʻoe. ʻO ia ke kumu e hāʻawi ai mākou i nā hiʻohiʻona e like me ka ʻae ʻana a me nā koho hoʻopakele.
Ma ka moku'āina waiwai kaiaulu, 'ike 'ia ka waiwai i loa'a i ka male 'ana i ka waiwai kaiāulu (a i 'ole ka'ana) a no laila ua pu'unaue 'ia 50/XNUMX i ka wā o ka male male 'ana. ʻO nā mokuʻāina waiwai kaiāulu ʻo Arizona, Kaleponi, Idaho, Louisiana, New Mexico, Nevada, Texas, Wakinekona a me Wisconsin - me nā ʻāina US ʻo Guam a me Puerto Rico.
