Pehea e hōʻoia ai ua uku au i kaʻu moraki?
Ua kākau ʻo Miriam Caldwell e pili ana i ka waihona kālā a me nā kumu kālā pilikino mai ka makahiki 2005. Aʻo ʻo ia i ke kākau ʻana ma ke ʻano he kumu aʻo pūnaewele me Brigham Young University-Idaho, a he kumu no nā haumāna kula aupuni ma Cary, North Carolina.
He loea ʻo Peggy James i ka moʻohelu kālā, ʻoihana kālā, a me ke kālā pilikino. He mea helu helu lehulehu ʻo ia nona kāna keʻena helu helu ponoʻī, e lawelawe ana i nā ʻoihana liʻiliʻi, nā waiwai ʻole, nā mea kūʻokoʻa, nā manuahi, a me nā poʻe.
ʻOkoʻa ka hāʻule ʻana ma hope o kāu uku moraki mai ka uku ʻole ʻana i kāu hoʻolimalima, no ka mea hiki ke loaʻa ka hopena nui i kāu helu ʻaiʻē. Hiki iā ʻoe ke waiho i kou home i ka pōʻino inā ʻaʻole hiki iā ʻoe ke uku i ka aie. Eia nō naʻe, loaʻa iā ʻoe nā koho he nui: mai kahi ʻaelike hoʻomanawanui, hiki iā ʻoe ke hāʻawi i kahi manawa e hoʻoponopono ai i nā mea, i kahi palapala-i-lieu o ka paʻa ʻana inā ʻaʻole hiki iā ʻoe ke mālama i ke kūlana.
E hoʻokaʻaʻike koke i kāu hui moraki e ʻike inā loaʻa kekahi papahana e kōkua iā ʻoe. Hiki paha iā ʻoe ke hoʻemi i ka uku no ka manawa pōkole a i ʻole ka hoʻihoʻi kālā haʻahaʻa, ma muli o kou wahi e noho ai a inā paha ʻoe ma hope o kāu hōʻaiʻē.
Piʻi ka ʻauhau waiwai ke hoʻemi ʻia ka home
Ma hope o ka uku ʻana i ka moraki, hiki iā ʻoe ke loaʻa kahi manaʻo haʻaheo hou i kou home. Nou maoli ka hale. Loaʻa paha iā ʻoe ke kālā keu i kēlā me kēia mahina, a ʻoi aku ka liʻiliʻi o ka nalo ʻana o kou home inā pilikia ʻoe.
Pono paha ʻoe e hana i nā mea ʻoi aku ma mua o ka uku moraki hope loa e hoʻopau ai i kāu kūlana homeownership hou. E ʻike i ka mea i manaʻo ʻia ke uku ʻoe i kāu moraki e hōʻoia i ka loaʻa ʻole o ka uku.
Ma mua o kou uku ʻana i kāu moraki hope loa, pono ʻoe e noi i kāu mea lawelawe hōʻaiʻē no kahi koho uku. Hiki iā ʻoe ke hana pinepine i kēia ma o ka pūnaewele o ka mea lawelawe ʻoiai e pili ana i kāu moʻokāki home aie. Inā ʻaʻole, hiki iā ʻoe ke kelepona iā lākou. E hoʻohana i kāu helu hōʻaiʻē. E loaʻa iā ʻoe ma kāu ʻōlelo moraki.
E hōʻike pololei ana ka waihona kālā amortization iā ʻoe i ka nui o ke kumupaʻa a me ka ukupanee āu e uku ai no ka loaʻa ʻana o kou home me ka uku ʻole ʻia. E haʻi pū ana ʻoe i ka lā āu e uku ai. Inā lōʻihi ka lōʻihi, ʻaʻole ia he pilikia nui. E ʻaiʻē hou aku ʻoe.
He aha kāu e uku ai i kāu moraki?
ʻO ke kūʻai ʻana i home he uku (nui), akā aia kekahi mau lilo ʻē aʻe i ka wā e pili ana i ka hoʻolilo ʻana i ka home. Ua hoʻohui mākou i nā mea ʻokoʻa a pau, me nā bila a me nā lilo inā pono, e helu iā lākou me ka hoʻohui ʻana i ka moraki.
1. Nā ʻauhau waiwai – (Hili i kēlā me kēia makahiki) E hoʻomaka kākou me ka mea maʻamau i ʻoi aku ka pipiʻi: ʻauhau home. Hoʻoholo ʻia nā ʻauhau waiwai ma ka mokuʻāina a me nā pae kūloko. Hiki iā ʻoe ke aʻo e pili ana i nā ʻauhau mokuʻāina ʻo Wakinekona ma aneʻi.
Ma ke ʻano he mea hale, uku ʻoe i ka nui e pili ana i ka waiwai o kou home. Ua māhele ʻia kēlā kālā ma waena o ke kūlanakauhale āu e noho nei a me ka mokuʻāina. Ke piʻi aʻe nā waiwai waiwai, pēlā pū ka ʻauhau waiwai. I kēlā me kēia makahiki, hoʻouna maʻamau kāu mea hāʻawi aku i kahi leka e wehewehe ana inā pono ʻoe e uku a ʻoi aku paha ma muli o nā koi ʻauhau waiwai hou. I nā makahiki i ka piʻi ʻana o ka ʻauhau, pono ʻoe e uku i ka deficit, ʻo ia hoʻi, ka ʻokoʻa mai ka mea i ʻaiʻē i kēia manawa no ka piʻi ʻana. Hiki iā ʻoe ke koho e uku i ka ʻokoʻa, a i ʻole e hoʻokomo i ke kālā hou ma kāu bila o kēlā me kēia mahina.
Inā lawe ʻoe i kahi hōʻaiʻē home (a ʻaʻole i uku kālā no ka hale), pono kāu mea hāʻawi e koi iā ʻoe e lawe pū i ka ʻinikua home. Hōʻoia kēia inā loaʻa kekahi mea i ka hale, e kūkulu hou ʻia a mālama ʻia kā lākou hoʻopukapuka (a me kāu). Kūʻai a puni: Hiki ke ʻokoʻa nā kumukūʻai ʻinikua home e ka mea hoʻolako a me ka lawelawe.
Ua uku au i kaʻu moraki, hiki iaʻu ke kiʻi i kahi palapala?
Ua ʻike paha ʻoe he ʻokoʻa ma waena o kāu mea hāʻawi kālā a me kāu mea lawelawe? ʻO ka mea hāʻawi kālā ʻo ia ka hui āu e hāʻawi kālā ai, ʻo ka mea maʻamau i kahi panakō, hui ʻaiʻē, a i ʻole hui moraki. Ke loaʻa iā ʻoe kahi hōʻaiʻē home, kau inoa ʻoe i kahi ʻaelike a ʻae e uku i ka mea hāʻawi.
ʻO ka luna hoʻomalu ka hui nāna e mālama i ka mālama ʻana i kēlā me kēia lā o kāu moʻokāki. I kekahi manawa ʻo ka mea hāʻawi kālā hoʻi ka mea lawelawe. Akā pinepine, hoʻonohonoho ka mea hāʻawi i kahi hui ʻē aʻe e hana ma ke ʻano he luna. He mea nui e ʻike i kāu mea lawelawe moraki no ka mea ʻo ia ka hui
ʻO ka maʻamau, pono ka luna hoʻoponopono e hōʻaiʻē i kāu moʻokāki i ka lā āu e loaʻa ai. Ma ia ala, ʻaʻole pono ʻoe e uku i nā uku hou aku, a ʻaʻole e hōʻike lohi ka uku i ka mea hāʻawi. Hōʻike ʻia nā uku hope ma kāu hōʻike hōʻaiʻē a hiki ke hoʻopilikia i kou hiki ke loaʻa ka hōʻaiʻē i ka wā e hiki mai ana. ʻO ka nui o nā uku lohi hiki ke alakaʻi i ka paʻamau a me ka paʻa.
E nānā i nā leka a pau, nā leka uila, a me nā ʻōlelo ke loaʻa iā ʻoe mai kāu mea lawelawe moraki. E hōʻoia i kāu mau moʻolelo e like me kāu. Pono ka hapa nui o nā luna hoʻomalu (koe ka mea liʻiliʻi loa) e hāʻawi iā ʻoe i kahi puke coupon (pinepine i kēlā me kēia makahiki) a i ʻole he ʻōlelo i kēlā me kēia pōʻai kālā (pinepine i kēlā me kēia mahina). Pono nā mea lawelawe e hoʻouna i nā ʻōlelo maʻamau i nā mea hōʻaiʻē āpau me nā moraki hiki ke hoʻololi ʻia, ʻoiai inā koho lākou e hoʻouna iā lākou i nā puke coupon.
