Pehea e hōʻoia ai ua uku au i kaʻu moraki?
Ma hope o ka uku ʻana i ka moraki, ʻike paha ʻoe i kahi manaʻo haʻaheo hou i kou home. Nou maoli ka hale. Loaʻa paha kāu kālā keu i kēlā me kēia mahina, a ʻoi aku ka haʻahaʻa o ka nalowale 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.
Pehea e hiki ai iaʻu ke loaʻa kaʻu kuleana waiwai ma hope o ka uku ʻana i kaʻu moraki?
Hoʻomaikaʻi iā Sally. ʻAʻole pono ʻoe e noʻonoʻo e pili ana i nā hāʻawi moraki, ka uku ukupanee a i ʻole nā uku mahina i ka panakō. Akā i ka wā i ho'ōki ai ʻoe i ka hula a puni kou hale uku piha, aia kekahi mau mea e noʻonoʻo ai.
ʻAʻole hiki ke hoʻopaʻa inoa ʻia kou hale inā nona ia ma mua o 1990. Inā pono ʻoe e hoʻopaʻa inoa, pono ʻoe e uku i ka uku. E pili ana ka nui i ka waiwai o kou home. Hiki iā ʻoe ke helu me kēia calculator.
Pono ʻoe e noʻonoʻo i ka hoʻonui ʻana i kāu waihona e like me kou manaʻo ʻaʻole nui lākou. ʻO ka nui i manaʻo ʻia no kahi waihona kālā pilikia he mau mahina uku i loko o kahi waihona mālama kālā maʻalahi. Pono e noho mālie inā hoʻokuʻu ʻia a haki kaʻa.
ʻO kāu mea e hoʻoholo ai e hana me kāu kālā keu iā ʻoe. No ke aha e hoʻolilo ʻole ai i kekahi o ia mea i ka hoʻomaha? Hiki paha iā ʻoe ke maʻalahi ke hoʻoholo inā e ʻauʻau ʻoe i ke kai a i ʻole e hoʻomaha me ka cocktail a ʻelua paha.
Ma ke komo ʻana i kāu kikoʻī, ʻae ʻoe i kā lākou hoʻohana e like me kā mākou kulekele pilikino. Ma ke kau inoa ʻana, e loaʻa nō hoʻi iā ʻoe kā mākou nūhou ʻeono pule 'Couch to £5K'. Hiki iā ʻoe ke wehe i ke kau inoa, ʻoiai inā ʻoe e hoʻōki i ka loaʻa ʻana o nā nūhou ʻelua.
Pehea ka lōʻihi e loaʻa ai ka inoa o ka hale ma hope o ka uku ʻana i ka 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.
'Inikua hale ma hope o ka uku 'ana i ka moraki
Inā pilikia ʻoe i ka uku ʻana i ka moraki ʻelua a i ʻole ka hōʻaiʻē ʻē aʻe kahi i hoʻohana ʻia ai kāu waiwai i mea hōʻaiʻē, pono ʻoe e ʻimi i ka ʻōlelo aʻoaʻo mai kahi kākā'ōlelo aie akamai. Hiki iā ʻoe ke loaʻa ka ʻōlelo aʻoaʻo ma ke keʻena lawelawe kamaʻāina.
Ua ʻōlelo nā lula e pono e mālama pono ka mea hōʻaiʻē moraki iā ʻoe a hāʻawi iā ʻoe i kahi manawa kūpono e ʻae ai e uku i ka ʻaiʻē, inā hiki iā ʻoe ke hana pēlā. Pono ʻoe e hoʻokō i kekahi noi kūpono āu e hoʻololi ai i ka manawa a i ʻole ke ʻano o ka uku ʻana i kāu moraki. Inā lawe ʻia kāu moraki ma mua o ʻOkakopa 2004, pono ka mea hāʻawi e mālama i ke code i loaʻa i kēlā manawa.
Inā manaʻo ʻoe ua mālama maikaʻi kāu mea hāʻawi i kāu hihia, pono ʻoe e kūkākūkā me kāu mea hāʻawi. Inā koho ʻoe e waiho i kahi hoʻopiʻi maʻamau, pono kāu mea hāʻawi e hōʻoia i ka loaʻa ʻana o kāu hoʻopiʻi i loko o 5 mau lā ʻoihana.
Inā ua nalo koke ʻoe i kāu hana a i ʻole kāu loaʻa kālā, e nānā inā loaʻa iā ʻoe ka ʻinikua palekana uku moraki. Ua kūʻai paha ʻoe i kahi kulekele i ka wā i loaʻa ai kāu moraki a i ʻole ma hope. ʻAʻole hiki ke lawe ʻia ka ʻinikua e ka mea hāʻawi.
