Lakiō ʻaiʻē i ka loaʻa kālā
No ka pane ʻana i kēia nīnau, pono ʻoe e ʻike i nā koho hōʻaiʻē moraki, a me nā koi liʻiliʻi e pono ai. E nānā ka poʻe hāʻawi kālā i kāu helu ʻaiʻē, loaʻa, mālama kālā, ʻaiʻē, a me nā palapala e ʻike ai inā kūpono ʻoe i kahi moraki.
E manaʻoʻiʻo a ʻaʻole paha, ʻaʻole pono ʻoe i ka hōʻaiʻē maikaʻi loa e kiʻi i kahi moraki. Loaʻa i nā polokalamu kūʻai hale ʻokoʻa nā koi ʻaiʻē like ʻole, a i kekahi manawa hiki ke loaʻa ka helu ʻaiʻē ma lalo o 580.
ʻO kekahi mau polokalamu hōʻaiʻē, e like me FHA, VA, a me USDA, e ʻae i ka hoʻohana ʻana i ka hōʻaiʻē kuʻuna ʻole i kahi noi moraki. Hiki iā ʻoe ke hoʻokumu i kou ʻano hōʻaiʻē ma o nā mea e like me ka uku pono, uku hoʻolimalima, uku ʻinikua, a me nā uku kelepona paʻa.
Pili pū kēia i nā mea hōʻaiʻē moraki hoʻohana ponoʻī, i ia manawa pono ʻoe e hāʻawi i kāu hoʻihoʻi ʻauhau pilikino a me kāu ʻoihana no nā makahiki ʻelua i hala. Pono e hōʻike ʻia ka ʻauhau ʻauhau no nā mahina he 24 i hala iho nei, ʻo ia hoʻi, ua mau a mahuahua paha.
Ma ka hihia o ka USDA, no ka laʻana, pono ka huina kālā o ka ʻohana ma lalo o 115% o ka loaʻa kālā waena. A inā ʻoe e noi nei i ka polokalamu HomeReady a Fannie Mae a i ʻole ka papahana ʻo Freddie Mac's Home Possible, ʻaʻole pono kāu loaʻa kālā ma mua o ka palena kālā no kou wahi.
helu moraki
Nā koi kumu no nā poʻe honua ma NetherlandsNo ka loaʻa ʻana o kahi moraki Dutch, pono ʻoe i kahi helu BSN. Ke hoʻolālā nei e neʻe i Netherlands a ʻaʻohe BSN i kēia manawa? Hiki iā mākou ke helu i kāu pūlāwai moraki e ʻike i ka nui āu e hōʻaiʻē ai me ka helu BSN.
Hiki iaʻu ke loaʻa kahi moraki ma Netherlands inā loaʻa iaʻu kahi hana pōkole? ʻAe, hiki iā ʻoe ke loaʻa kahi moraki inā loaʻa iā ʻoe kahi hana pōkole. Hiki iā ʻoe ke loaʻa kahi moraki ma Netherlands inā loaʻa iā ʻoe kahi hana pōkole. No ka loaʻa ʻana o kahi moraki, e noi ʻia ʻoe no ka haʻi ʻana o ka manaʻo. I nā huaʻōlelo ʻē aʻe, pono ʻoe e manaʻo e hoʻomau i kāu hana i ka wā e pau ai kāu ʻaelike pōkole. Eia kekahi, pono ʻoe e hāʻawi i kahi papa inoa o nā palapala noi moraki.
ʻO kekahi o nā koi e kiʻi i kahi moraki ma Netherlands ʻoi aku ka wikiwiki o ka loaʻa ʻana o kahi ʻaelike paʻa ʻole. Inā loaʻa iā ʻoe kahi ʻaelike paʻa ʻole, ʻoi aku ka wikiwiki o kāu kaʻina noi moraki. ʻO nā palapala ʻē aʻe i koi ʻia e kiʻi i kahi moraki ma Netherlands:
apono mua
Hiki i nā helu hōʻaiʻē ke lilo i kumuhana huikau no nā mea kūʻai ʻoi aku ka ʻike kālā. Hoʻomaopopo ka hapa nui o ka poʻe i ka helu ʻaiʻē maikaʻi e hoʻonui i kou manawa e loaʻa ai kahi moraki no ka mea e hōʻike ana i ka mea hāʻawi e uku paha ʻoe i ka hōʻaiʻē i ka manawa.
ʻO ia ke kumu e koi ai ka poʻe hāʻawi kālā i ka helu ʻaiʻē liʻiliʻi no nā hōʻaiʻē a lākou e hāʻawi ai. Akā ʻike ʻoe i ka helu ʻaiʻē liʻiliʻi āu e pono ai e kiʻi i kahi moraki a kūʻai i hale? A ua ʻike paha ʻoe he ʻokoʻa kēia liʻiliʻi ma muli o ke ʻano o ka moraki āu e ʻimi nei?
Ma keʻano laulā, pono ʻoe i ka helu ʻaiʻē ma ka liʻiliʻi he 620 i mea e loaʻa ai kahi hōʻaiʻē e kūʻai i hale. ʻO ia ka palena haʻahaʻa e koi ai ka nui o nā mea hāʻawi kālā no kahi hōʻaiʻē maʻamau. ʻO kēlā ʻōlelo, hiki nō ke loaʻa kahi hōʻaiʻē me ka helu ʻaiʻē haʻahaʻa, me ka helu o 500.
ʻO ka helu ʻaiʻē liʻiliʻi e pono ai e kiʻi i kahi moraki ma 2021 e pili ana i ke ʻano o ka moraki āu e makemake ai e kiʻi. ʻOkoʻa nā helu inā ʻoe e noi ana i kahi hōʻaiʻē Federal Housing Administration-insured, ʻoi aku ka maikaʻi o ka hōʻaiʻē FHA; hoʻokahi i hoʻopaʻa ʻia e ke Keʻena ʻOihana Veterans Affairs o ʻAmelika Hui Pū ʻIa, i ʻike ʻia he hōʻaiʻē VA; a i ʻole kahi hōʻaiʻē moraki maʻamau mai kahi hāʻawi pilikino.
Moraki Rocket
He mea leʻaleʻa a leʻaleʻa ke kūʻai ʻana i hale, akā pono nā mea kūʻai koʻikoʻi e hoʻomaka i ke kaʻina hana ma ke keʻena o ka mea hāʻawi kālā, ʻaʻole ma ka hale wehe. Manaʻo ka hapa nui o nā mea kūʻai aku e loaʻa i ka poʻe kūʻai aku kahi leka i ʻae ʻia a ʻoi aku ka makemake e hana me ka poʻe e hōʻike ana hiki iā lākou ke loaʻa kālā.
Hiki ke hoʻohana ʻia kahi moraki e like me ka helu ʻana i ka nui o ka mea e hiki ke hoʻolilo ma ka home, akā ʻoi aku ka waiwai o ka preapproval. ʻO ia hoʻi, ua nānā ka mea hāʻawi i ka hōʻaiʻē o ka mea kūʻai aku a ua hōʻoia i ka palapala e ʻae ai i kahi nui hōʻaiʻē kikoʻī (ʻo ka ʻae ʻia e mau no kekahi manawa, e like me 60-90 mau lā).
E pōmaikaʻi nā mea kūʻai aku ma nā ʻano he nui ma ke kūkākūkā ʻana me kahi mea hāʻawi kālā a loaʻa i kahi leka i ʻae ʻia. ʻO ka mea mua, loaʻa iā lākou ka manawa kūpono e kūkākūkā ai i nā koho hōʻaiʻē a me ka waihona kālā me ka mea hāʻawi. ʻO ka lua, e nānā ka mea hāʻawi i ka hōʻaiʻē o ka mea kūʻai aku a wehe i nā pilikia. E ʻike pū ka mea kūʻai aku i ka nui o ka nui e hiki ai iā lākou ke hōʻaiʻē, e kōkua iā lākou e hoʻokumu i ke kumukūʻai. ʻO ka hoʻohana ʻana i ka helu moraki he kumu maikaʻi no ka hoʻolilo kālā.
