ʻO ka moraki me ka loaʻa ʻole akā me ka waiwai
A, mahalo i nā polokalamu moraki maʻalahi o kēia lā, ʻaʻole pono ʻoe e loaʻa kahi kālā kiʻekiʻe e kūʻai i hale. Hiki i nā polokalamu moraki uku haʻahaʻa ke kūʻai aku i nā mea kūʻai aku no nā ʻohana haʻahaʻa loaʻa ʻole ka nui o ka waihona.
Pono ka hapa nui o nā polokalamu moraki i ʻelua makahiki o ka hana ʻokoʻa a i ʻole ka loaʻa kālā maʻamau, me ka mea hana hoʻokahi a i ʻole ma loko o ka māla like. He hōʻailona kēia o ke kūpaʻa, e hōʻike ana e kūpaʻa mau kāu kālā no ka liʻiliʻi ʻekolu makahiki ma hope o ka pani ʻana i kou home.
No ka hoʻohana ʻana i nā komisina, ʻoi aku ka lōʻihi, ka loaʻa kālā i kaupalena ʻia, a i ʻole ka loaʻa kālā bonus no ke kūpono, pono ʻoe e hōʻike e mālama ʻia kēia kālā no ʻelua a ʻekolu mau makahiki ma hope o ka pani ʻana. Hōʻike kēia e hāʻawi kāu mea hana iā ʻoe i kahi hōʻoia i kākau ʻia.
Hiki ke loli ka loaʻa kālā hoʻolimalima i kēlā me kēia makahiki. ʻAʻole wale ʻoe e hāʻawi i kāu hoʻihoʻi ʻauhau i hoʻopau ʻia no nā makahiki ʻelua i hala, akā pono e hoʻomau ʻia kāu loaʻa kālā ma ia mau makahiki ʻelua.
Inā ʻaʻole ʻoe maopopo inā kūpono kāu loaʻa kālā i nā koi, e kamaʻilio me kahi mea hāʻawi moraki. Hiki i kāu luna hōʻaiʻē ke kōkua iā ʻoe e hoʻomaopopo i ke ʻano o ka loaʻa kālā e kūpono a me ka nui o nā hale āu e hiki ke loaʻa ma muli o kāu kahe kālā o kēlā me kēia mahina.
Moraki me ka hana ole aka me ka waiho nui
Pono paha kahi moraki uku ʻole a haʻahaʻa paha i kēlā me kēia manawa ma muli o ka nele o ka hana. ʻO ia ka mea i hōʻike ʻia i ka loaʻa kālā, akā i kēia hihia, ʻaʻole paha ʻoe i loaʻa ka loaʻa kālā no ke komo ʻana i kahi hōʻaiʻē home, a pono paha ʻoe e ʻimi i kahi moraki kūʻokoʻa e alahaka a hiki i kou hoʻi ʻana i ka hana a i ʻole hiki ke hoʻoponopono i kāu pilikia kālā.
Ke ʻimi nei i kahi moraki me ka hōʻoia ʻole o ka loaʻa kālā? Hiki iā mākou ke kōkua iā ʻoe. Me kekahi o kā mākou huahana waiwai nui, hiki iā mākou ke loaʻa iā ʻoe ke kālā āu e pono ai e hoʻokō iā ʻoe i kēia mau manawa paʻakikī. I kekahi mau hihia, hiki i nā mea hāʻawi kālā ke koho i kahi moraki i uku mua ʻia no laila ʻaʻole pono ʻoe e hopohopo e pili ana i ka uku ʻana i ka manawa a hiki ke nānā aku i kāu mea e pono ai e hoʻihoʻi i kāu kahe kālā. Nui nā mea e noʻonoʻo ai, no laila e kelepona iā mākou i kēia lā a e hoʻonoho mākou iā ʻoe no ka holomua.
E ʻae ka mea hāʻawi kālā B i ka poʻe hana ponoʻī, nā ʻelele komisina a me nā mea loaʻa kālā e hiki i ka 75% a ma kekahi mau manawa 80% (me kahi huahana kūloko) e hoʻolimalima hou, loaʻa i kahi hōʻaiʻē home equity a kūʻai paha i home me ka loaʻa kālā i hōʻike ʻia.
Mea helu moraki uku haahaa
Hōʻike nā alakaʻi hōʻaiʻē FHA ʻaʻole koi ʻia ka mōʻaukala mua ma ke kūlana o kēia manawa. Eia nō naʻe, pono e kākau ka mea hāʻawi kālā i ʻelua makahiki o ka hana ma mua, ke kula, a i ʻole ka ʻoihana koa, a wehewehe i nā hemahema.
Pono ka mea noi e kākau i ka mōʻaukala hana no nā makahiki ʻelua i hala. ʻAʻohe pilikia inā hoʻololi ka mea noi kālā i nā hana. Eia nō naʻe, pono e wehewehe ka mea noi i nā hakahaka a i ʻole nā loli nui.
Eia hou, inā e emi kēia uku hou i ka manawa, hiki i ka mea hāʻawi ke hōʻemi iā ia, me ka manaʻo ʻaʻole e mau ka loaʻa kālā i ʻekolu mau makahiki. A me ka ʻole o ʻelua makahiki o ka uku ʻana i ka manawa keu, ʻaʻole paha e ʻae ka mea hāʻawi iā ʻoe e koi iā ia ma kāu palapala moraki.
Aia nā ʻokoʻa. No ka laʻana, inā hana ʻoe no ka hui like, hana i ka hana like, a loaʻa ka loaʻa like a ʻoi aku ka maikaʻi, ʻaʻole e hōʻeha iā ʻoe ka hoʻololi ʻana i kāu ʻano uku mai ka uku a i ke komisina piha a hapa paha.
I kēia mau lā, ʻaʻole ia he mea maʻamau ka hoʻomau ʻana o nā limahana i ka hana no ka hui like a lilo i "consultants", ʻo ia hoʻi, he hana pilikino lākou akā loaʻa ka loaʻa kālā like a ʻoi aku paha. Hiki paha i kēia poʻe noi ke hele a puni ka lula ʻelua makahiki.
Hiki iaʻu ke loaʻa kahi moraki me ka ʻole o kahi hana ma UK?
Loaʻa iā ʻoe kahi hale a makemake ʻoe e noi no ka moraki, akā ʻaʻohe ʻaelike paʻa ʻole? A laila hiki iā ʻoe ke nīnau i kāu mea hana inā makemake lākou e hoʻopuka i kahi leka o ka manaʻo. ʻO kahi leka o ka manaʻo no ka moraki e hāʻawi i kahi palekana hou no ka mea hāʻawi moraki. Ke haʻi aku nei kou haku hana manaʻo ia e hoʻololi i kāu ʻaelike paʻa - i ka wā e pau ai - i ʻaelike mau. ʻO ka haʻi ʻana o ka manaʻo o ka moraki kahi ʻāpana o ka ʻōlelo a ka mea ʻoihana. Pono ʻoe e hoʻopiha inā ʻaʻohe ʻaelike paʻa ʻole ka mea hana.
Hoʻopuka kāu mea hana i ka ʻōlelo hana. Pono e komo i kēia palapala: kāu kūlana hana (no ka manawa a mau paha), kāu uku makahiki (i hōʻike ʻia e ka mea), a me nā hōʻaiʻē mai kāu mea hana. He palapala koʻikoʻi ka ʻōlelo a ka mea ʻoihana no ka noi moraki. Pono kēia ʻōlelo hoʻolaha e loaʻa i kahi pūlima hou a ua hoʻonohonoho maʻamau e like me kēia
"Ke manaʻo nei e hoʻomau ʻia ka hana a ʻaʻole e loli nā kūlana o ka ʻoihana, i ka pau ʻana o ka ʻaelike hana paʻa, e hoʻololi ʻia e kahi ʻaelike hana paʻa ʻole no ka manawa pau ʻole."
