Nā hōʻailona hōʻailona no nā aie i hōʻike ʻole ʻia
Inā makemake ʻoe i kahi hōʻaiʻē i kākoʻo ʻia e ke aupuni, ua kākau paʻa ʻia nā kulekele loaʻa no ka hōʻoia ʻana i ka moraki. ʻO kēlā mau moraki i kākoʻo ʻia e ke aupuni mai ka Federal Housing Administration (FHA loans), Veterans Affairs (VA loans), a me ka Department of Agriculture (USDA loans).
I nā kūlana kakaʻikahi, hiki i nā mea hāʻawi kālā ke hoʻomaha i kekahi mau kūlana loaʻa no nā mea hōʻaiʻē i makemake ʻia. No ka laʻana, manaʻo paha ʻoe me kahi hui kūloko no nā makahiki he mau makahiki. Inā ʻike ʻo ia he mōʻaukala uku kīnā ʻole ʻoe a me ka helu ʻaiʻē stellar, makemake paha ʻo ia e hoʻomaha iki i ke kulekele.
ʻO nā mea a pau āu e hana ai, ʻo ia ka palapala e noho ana kēlā me kēia malihini i ka hale. A pono ʻoe e hōʻike i ka loaʻa mau ʻana o ka loaʻa kālā no nā mahina he 12 i hala iho nei: hiki i kahi ʻaelike hoʻolimalima, hoʻopau ʻia nā loiloi, a i ʻole nā waiho mahina ma nā ʻōlelo panakō hiki ke kōkua.
ʻAʻole kūpono ia, akā inā he poʻokela kāu ex-spouse ʻaʻole e uku mau i ka alimony a i ʻole ke kākoʻo keiki, ʻaʻole hiki iā ʻoe ke helu i kēlā kālā. ʻAʻole inā loaʻa iā ʻoe kahi ʻōlelo hoʻokolokolo paʻa wai a ʻaelike hoʻokaʻawale paha. No ka mea, pono ʻoe e hōʻoia ua loaʻa iā ʻoe nā uku "piha, mau a me ka manawa" no ka liʻiliʻi o ʻeono mahina.
Moʻolelo hōʻaiʻē i hōʻike ʻole ʻia
Ua laikini ʻia kēia hoʻolaha ma lalo o nā ʻōlelo o ka Open Government License v3.0, koe wale nō kahi i ʻike ʻia. No ka ʻike ʻana i kēia laikini e kipa i ka nationalarchives.gov.uk/doc/open-government-licence/version/3 a i ʻole e kākau i ka Pūʻulu Kūlana ʻIke, The National Archives, Kew, London TW9 4DU, a i ʻole leka uila: [pale ʻia ka leka uila].
ʻO ka Property Rental Campaign kahi manawa kūpono no nā mea nona ka ʻauhau hoʻolimalima hale noho, ma UK a i ʻole ma waho, e ala hou i kā lākou mau ʻauhau ma ke ala maʻalahi a pōmaikaʻi mai nā kūlana maikaʻi loa.
Pono nā konohiki i hui pū me kā lākou kāne, wahine, a i ʻole hoa hana hale i ke alakaʻi alakaʻi PIM1030 Property Income Manual ma lalo o ke poʻomanaʻo “Hoʻoilina Hui: ʻO ke kāne a me ka wahine a i ʻole ka hoa hana home. Pono lākou e heluhelu i ke kānāwai 50/50 i hōʻike ʻia ma ka TSEM9800 Trusts, Settlements and Estates Manual.
Hiki iā ʻoe ke hana i kahi ʻōlelo a hoʻonohonoho pono i kāu mau ʻauhau ma waho o ka Property Rental Campaign. ʻAʻole kāu ʻōlelo e lilo i ʻāpana o ka Real Estate Rental Campaign a ʻaʻole loaʻa nā kūlana i hāʻawi ʻia ma aneʻi.
Ke nānā nei nā mea hōʻaiʻē moraki i kāu mea e hoʻolilo ai?
Inā hōʻole ʻia kāu palapala moraki, aia kekahi mau mea e hiki ai iā ʻoe ke hana e hoʻomaikaʻi i kou manawa e ʻae ʻia i ka manawa aʻe. Mai wikiwiki e hele i kahi mea hāʻawi kālā ʻē aʻe, no ka mea e hōʻike ʻia kēlā me kēia noi ma kāu faila aie.
ʻO nā hōʻaiʻē lā uku āu i loaʻa ai i nā makahiki ʻeono i hala e hōʻike ʻia ma kāu moʻolelo, ʻoiai inā ua uku ʻoe iā lākou i ka manawa. Hiki ke helu iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke hoʻokō i ke kuleana kālā o ka loaʻa ʻana o kahi moraki.
ʻAʻole kūpono nā mea hāʻawi kālā. Hoʻokomo ka hapa nui o lākou i kāu ʻikepili noi i loko o kahi kamepiula, no laila ʻaʻole paha ʻoe i hāʻawi ʻia i kahi moraki ma muli o kahi hewa i kāu faila aie. ʻAʻole paha e hāʻawi ka mea hāʻawi iā ʻoe i kumu kikoʻī no ka hāʻule ʻana o kahi noi hōʻaiʻē, ʻaʻole i pili i kāu faila aie.
Loaʻa i nā mea hōʻaiʻē nā ʻano hoʻohālikelike underwriting ʻokoʻa a noʻonoʻo i kekahi mau kumu i ka wā e loiloi ai i kāu noi moraki. Hiki ke hoʻokumu ʻia ma ka hui ʻana o ka makahiki, ka loaʻa kālā, ke kūlana hana, ka ratio loan-to-value, a me ka wahi waiwai.
He aha e ʻōlelo ʻole ai i kahi moraki
I kēlā me kēia makahiki, loaʻa i ka Internal Revenue Service (IRS) nā miliona kālā i ka hoʻihoʻi ʻana i ka ʻauhau i hāʻawi ʻole ʻia a koi ʻole ʻia. Hoʻouna ʻia nā hōʻoia hoʻihoʻi hou ʻana i ka Federal Tax Refund Checks i kāu helu wahi i ʻike ʻia. Inā neʻe ʻoe me ka ʻole o ka haʻi ʻana i ka IRS a i ʻole ka United States Postal Service (USPS), hiki ke hoʻihoʻi ʻia kāu hōʻaiʻē i ka IRS. . Pono ʻoe e hoʻokomo i kāu helu Social Security, ke kūlana waiho ʻana, a me ka huina kālā pololei o kāu hoihoi. E noi ʻia paha ʻoe e hoʻololi i kāu helu wahi ma ka pūnaewele. Hiki iā ʻoe ke kelepona i ka IRS e nānā i ke kūlana o kāu hoʻihoʻi. Hiki ke lōʻihi ka manawa kali e kamaʻilio me kahi lunamakaʻāinana. Akā hiki iā ʻoe ke pale i ka kali ma ka hoʻohana ʻana i ka ʻōnaehana kelepona automated. Inā ʻoe e neʻe, e waiho i kahi Change of Address - Form 8822 me ka IRS; Pono ʻoe e waiho i kahi hoʻololi o ka helu wahi me ka USPS. ʻOiai inā ʻaʻole koi ʻia ʻoe e faila, hiki iā ʻoe ke pōmaikaʻi mai ka waiho ʻana inā: y/a ʻaʻole ʻoe i waiho i kahi hoʻihoʻi ʻauhau no ka mea ʻoi aku kāu uku ma lalo o ke koi. Akā hiki iā ʻoe ke waiho i loko o ʻekolu mau makahiki o ka lā palena e loaʻa ai kāu uku.
