Makemake anei ka mea hoʻolimalima moraki i ke komo pololei i nā waihona waihona?
ʻO ka noi ʻana i kahi hōʻaiʻē home hiki ke lilo i hana koʻikoʻi no ka poʻe kūʻai hale he nui, ʻoi aku ka poʻe e lawe i kahi hana hana-i-oe iho. Ma ke ʻano he mea hōʻaiʻē, pono ʻoe i ka manawa nui e hoʻomākaukau ai i kāu kālā a me nā koi palapala ʻē aʻe ma mua o kou lawe ʻana i ka plunge.
ʻOiai ʻo ke kūʻai ʻana a puni kahi ʻāpana koʻikoʻi o ke kūʻai ʻana i kahi hōʻaiʻē home, ʻaʻole ia he manaʻo pono ʻoe e noi i nā mea hāʻawi kālā he nui. Mai ʻimi i kahi hōʻaiʻē: i kēlā me kēia manawa āu e noi ai i kahi mea hāʻawi, ua hoʻopaʻa ʻia ia i kāu faila aie. ʻO ka mea maikaʻi ʻole, ʻo nā mea hāʻawi kālā āu i noi ai no ka hōʻaiʻē e ʻike maoli ʻoe ua noi ʻoe i nā ʻoihana kālā ʻē aʻe.
Eia naʻe, ʻaʻohe hewa i ka hoʻohālikelike ʻana i nā hōʻaiʻē home. Ua piha ka mākeke i nā hāʻawi hōʻaiʻē home, kēlā me kēia me kona pono ponoʻī a me nā hemahema. Akā he hapa wale nō o lākou e kūpono i kāu mau pono. Aia iā ʻoe ke hoʻohālikelike a ʻike i ka mea i kūpono i kāu kūlana kālā o kēia manawa. Hiki i kahi mea hoʻolimalima moraki ke kōkua iā ʻoe e ʻimi i ka huahana hōʻaiʻē kūpono, akā aia ke kuleana iā ʻoe e ʻike i kāu mea e pono ai.
Hoʻopuka o nā ʻōlelo panakō no ka moraki
Pono nā mea hōʻaiʻē e ʻimi nei i moraki e kūʻai a hoʻihoʻi hou i kahi home e ka mea hāʻawi kālā e loaʻa i kā lākou hōʻaiʻē. Pono nā panakō e hōʻoia i ka ʻike kālā a ka mea ʻaiʻē a koi paha e hoʻopiha ʻia kahi palapala hōʻoia o ka waiho ʻana (POD/VOD) a waiho ʻia i ka panakō o ka mea ʻaiʻē. Pono paha ka mea hōʻaiʻē e hāʻawi i ʻelua mahina o nā ʻōlelo panakō i ka mea hāʻawi moraki.
ʻO nā panakō a me nā mea hōʻaiʻē moraki e hoʻopaʻa i nā hōʻaiʻē e pili ana i kekahi mau pae hoʻohālikelike, e like me ka loaʻa kālā o ka mea hōʻaiʻē, nā waiwai, nā mālama kālā, a me ka hōʻaiʻē. I ke kūʻai ʻana i hale, hiki i ka mea hōʻaiʻē moraki ke noi aku i ka mea ʻaiʻē no kahi palapala waihona. Pono ka mea hāʻawi kālā e hōʻoia i nā kālā e pono ai no ke kūʻai ʻana i ka home ua hōʻiliʻili ʻia i loko o kahi waihona kālā a hiki ke loaʻa i ka mea hāʻawi.
ʻO ka palapala waihona he hōʻike ia ua waiho ʻia a hōʻiliʻili ʻia ke kālā i loko o kahi waihona waihona. Hoʻohana ka hui moraki a mea hāʻawi aku i kahi waihona waihona e hoʻoholo ai inā ua mālama ka mea hōʻaiʻē i ke kālā kūpono no ka uku ʻana i ka home a lākou e makemake ai e kūʻai.
Moraki Rocket
Ma mua o ka hāʻawi ʻana iā ʻoe i kahi hōʻaiʻē moraki, e hōʻoia mau nā mea hōʻaiʻē e hoʻokō ʻoe i kā lākou mau koi a me nā kūlana. E ʻimi mākou i nā kumu maʻamau ʻehiku a lākou e noʻonoʻo ai i ka wā e noi ai i kahi moraki.
ʻO ke koi mua a kekahi mea hāʻawi kālā e loiloi ʻo ia ka loaʻa kālā: ehia kālā āu e waiho mau ai i kāu waihona waihona? Ke loiloi lākou i kāu noi hōʻaiʻē, e nīnau lākou iā ʻoe no ka hōʻoia o kēia loaʻa kālā. ʻO ka mea āu e hāʻawi ai e hilinaʻi ʻia inā ʻoe i ka hana a i ʻole ʻoe i hana pilikino.
Inā he limahana ʻoe me ka loaʻa kālā maʻamau, ʻo ka nūhou maikaʻi he mea maʻalahi ke hōʻoia i kāu loaʻa kālā i kahi mea hāʻawi. Ua māʻona ka mea hāʻawi kālā i nā palapala uku hou e hōʻike ana i ka nui i uku ʻia ma mua a ma hope o ka ʻauhau. E noi lākou i ʻekolu mahina o ka palapala uku, e hōʻike pū ana i kāu uku uku a hiki i kēia makahiki. Hiki paha iā lākou ke noi i kahi ʻaelike hana, nā ʻōlelo panakō a, i kekahi mau hihia, i ka ʻauhau ʻauhau.
Inā ʻoe e hana hapa manawa a ʻoluʻolu paha, a i ʻole ua noho pū ʻoe me kāu mea hana i kēia manawa no ka liʻiliʻi o hoʻokahi makahiki, hiki ke noi ʻia iā ʻoe no ka ʻike hou aku e hōʻike ai ua paʻa kāu hana a me kāu mau hola. Hiki i kēia ke komo i kahi leka mai kāu mea hana a mea helu kālā a i ʻole kāu loiloi ʻauhau loaʻa hou loa.
E nānā nā mea hāʻawi kālā i nā ʻōlelo panakō ma mua o ka pani ʻana?
ʻO kekahi o nā mea mua āu e makemake ai e ʻike i ka wā e noʻonoʻo ai e kūʻai i hale ʻo ia ka nui o ka waihona āu e pono ai. He maʻalahi ka pane: pili ia. ʻO kēia no ka mea e noʻonoʻo ka poʻe hāʻawi kālā i nā kumu he nui i ka wā e hoʻoholo ai i ka nui o kā lākou makemake e hāʻawi.
ʻO kekahi o nā nīnau maʻamau i nīnau ʻia iā mākou inā hiki iā ʻoe ke kūʻai i hale me ka liʻiliʻi o 20% i lalo. ʻO ka pane ʻae, hiki iā ʻoe, akā pono ʻoe e uku i ka ʻinikua moraki a ka mea nāna e hāʻawi aku a pono paha ʻoe e hoʻokō i nā koi ʻē aʻe, e like me ka mālama kālā maoli.
E like me ka hōʻike ʻana o kona inoa, ua hoʻolālā ʻia ka Lender's Mortgage Insurance no ka pale ʻana i ka mea hāʻawi i ka wā e hōʻole ʻole ai ka mea hōʻaiʻē i kāna hōʻaiʻē moraki. Inā pono e kūʻai aku ka mea hāʻawi i ka waiwai, aia kekahi manawa ʻaʻole e uhi ke kumukūʻai kūʻai i ke koena o ka hōʻaiʻē. I kēlā hihia, e uhi ka Lender's Mortgage Insurance i ka ʻokoʻa.
No laila, inā uhi ka Lender's Mortgage Insurance i ka mea hāʻawi, he aha ka pōmaikaʻi i ka mea hōʻaiʻē? ʻO ka pane maʻalahi, ʻo ia ka Lender's Mortgage Insurance e hiki i nā panakō a me nā mea hōʻaiʻē moraki ke hāʻawi i nā hōʻaiʻē moraki i ka poʻe ʻaiʻē i loaʻa kahi waihona liʻiliʻi.
