Loaʻa i ka poʻe kūʻai hale manawa mua he $7.500 hāʻawi aupuni
'Ōlelo Aʻo: Inā ʻoe e komo i kēia ʻaoʻao ma kāu kelepona paʻalima, hiki i kāu mea lawelawe uea ke uku iā ʻoe i nā uku ʻikepili pili. E hōʻoia me kāu mea lawelawe uea e pili ana i kā lākou kumu kūʻai. Hiki ke pili ka memo a me ka ʻikepili.
ʻAʻole hiki ke ʻoi aku ka nui o ke kālā ma mua o ka palena haʻahaʻa o nā palena ʻekolu: (A) 2% o ke kumukūʻai kūʻai o ka home; (B) 2% o ka waiwai i koho ʻia o ka home, a i ʻole (C) $7.500. Inā emi ka uku mua a/a i ʻole nā koina pani ma mua o ka nui o nā kālā hāʻawi i hoʻokaʻawale ʻia, e kaupalena ʻia nā kālā i hāʻawi ʻia ma ka pani ʻana i ka uku mua a/a i ʻole nā kumu pani. Eia naʻe, ma mua o ka hoʻokaʻawale ʻia ʻana o kekahi kālā no ka hāʻawi kālā, pono nā mea noi e hoʻouna i kahi ʻaelike kūʻai ʻae a hoʻokō piha ʻia e hōʻike ana i ka waiwai e kūʻai ʻia. Inā ʻae ʻia kahi noi ma mua o ka loaʻa ʻana o kahi ʻaelike kūʻai i hoʻokō piha ʻia a ʻae ʻia, e mālama ʻia nā kālā no ka hāʻawi ma hope, inā loaʻa, ma hope o ka loaʻa ʻana o ia ʻaelike.
ʻO ka liʻiliʻi o hoʻokahi mea noi e lilo i mea kūʻai hale mua ʻaʻole nona ka hale i kēia manawa a ke kūʻai nei i hale ma nā mokuʻāina o Wakinekona, Oregon, a i ʻole South Carolina, a i ʻole ma Benewah, Bonner county , Boundary, Clearwater, Idaho , Kootenai, Latah, Lewis, Nez Perce, or Shoshone, Idaho.
Nā koi kālā no nā mea kūʻai hale mua
No ka noʻonoʻo ʻana no kahi moraki, pono ʻoe i ka ʻoihana no ʻekolu makahiki a hiki iā ʻoe ke hōʻike i ka hōʻoia o ka loaʻa kālā no nā makahiki ʻauhau piha ʻelua i hala. Pono kekahi mau mea hāʻawi kālā i ʻekolu makahiki o ka helu ʻana.
Inā ʻo ia ka hihia iā ʻoe, e noi ʻia paha ʻoe e hōʻike i ka hōʻoia o nā ʻaelike a me nā komisina e hiki mai ana e hōʻoia i kāu mea hāʻawi e hiki iā ʻoe ke uku i nā haʻawina. Akā hiki ke kaupalena ʻia kāu koho ʻana i nā moraki.
ʻAʻole kēia manaʻo ua hoʻopaʻi ʻia ʻoe no ka ʻai ʻana i waho a i ʻole ke kau inoa ʻana i ka hale haʻuki. Akā, pono e hōʻoia ka mea hāʻawi kālā e hiki iā ʻoe ke uku i ka moraki i kēlā me kēia mahina a ua lawa kāu loaʻa kālā i koe e uku i nā lilo ʻē aʻe.
ʻOi aku ka paʻakikī o nā palapala i koi ʻia no ka moraki hoʻohana ponoʻī, no laila e ʻike paha ʻoe he mea kōkua ke hoʻohana ʻana i ke kākāʻōlelo moraki. E hāʻawi lākou iā ʻoe i ka ʻike hou aku e pili ana i kāu mau koho moraki a hiki ke kōkua iā ʻoe i ka noi[1].
Kōkua no ke kūʻai ʻana i ka home mua
ʻO kāu loaʻa kālā a me ke kumukūʻai kūʻai o ka home i loko o ka loaʻa kālā a me nā palena kumu kūʻai? Hoʻoholo ʻia nā palena o ka loaʻa ma muli o ka wahi o ke kūʻai ʻana a me ka nui o ka ʻohana, akā ʻaʻole hiki ke ʻoi aku ma mua o 140% o ka loaʻa kālā waena. ʻO nā waiwai i loaʻa ma kahi Kūlana Kūlana Kūlana (UTA) hiki ke kūpono i nā palena kālā kiʻekiʻe. No ka hoʻoholo inā aia kāu waiwai i manaʻo ʻia i loko o kahi UTA, e kipa i ka Site Screener a hahai i nā ʻōlelo aʻoaʻo, a laila e nānā i ka palapala Kūʻai Kūʻai kūpono a me nā palena kālā, i hoʻopili ʻia ma lalo.
Loaʻa nā lālā ikaika o ka New Jersey Police and Fire Retirement System (PFRS) me hoʻokahi makahiki o ka lawelawe ʻaiʻē i kēia papahana. ʻO ka nui o ka moraki he $647.200. Hoʻopaʻa ʻia ka uku paneʻe i 30 mau makahiki. Hoʻonohonoho ʻia nā kumukūʻai papahana i ka hapalua makahiki ma Pepeluali a me ʻAukake. E ʻike ʻoe i nā kikoʻī hou aʻe ma kā mākou pepa ʻoiaʻiʻo ma ka papahana moraki ʻo Police and Fire Retirement System.
I ka manawa hea ʻoe i manaʻo ʻia he mea kūʻai hale mua?
Nui nā polokalamu hōʻaiʻē home i hoʻonohonoho ʻia i nā mea kūʻai hale mua. ʻO ka hapa nui o kēia mau papahana i loaʻa i nā alakaʻi alakaʻi ʻoi aku ka maʻalahi e hoʻokipa i ka poʻe hōʻaiʻē me ka loaʻa kālā haʻahaʻa o ka ʻohana, nā helu ʻaiʻē, a i ʻole nā uku uku.
A i ʻole, hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē Fannie Mae me kahi lakene ʻaiʻē a hiki i ka 49,99% (pono e emi ma lalo o 50%), ma kahi o 43%. Akā, pono ʻoe i nā kumu uku ʻē aʻe (e like me kahi waihona mālama kālā nui) e hiki ai.
Pēlā nō, hiki i ka papahana hōʻaiʻē USDA ke loaʻa ka uku hoʻohaʻahaʻa ʻole, hoʻemi ʻia nā kumukūʻai ʻinikua moraki, a me nā kumukūʻai moraki haʻahaʻa ma mua o ka mākeke. Akā ke kākoʻo wale nei ka US Department of Agriculture i kēia mau hōʻaiʻē ma nā kuaʻāina a me nā wahi ʻokoʻa, no laila ʻaʻole kūpono nā kūʻai home āpau.
No ka laʻana, hiki i ka papahana Good Neighbor Next Door ke hāʻawi i ka 50% o ke kumukūʻai kūʻai o kahi home i nā kumu, nā mea kuni ahi, a me nā paramedic. Akā pono lākou e kūʻai i hale i helu ʻia no ke kūʻai ʻana e ke Keʻena ʻOihana Housing a me Urban Development (HUD) i loko o kahi wahi hoʻolaʻa hou.
Ma keʻano laulā, pono nā mea kūʻai hale mua e hōʻoia ma kahi o ʻelua mau makahiki o ka loaʻa kālā a me ka hana paʻa e pono ai no kahi hōʻaiʻē home. ʻOiai aia nā ala e hoʻokō ai i nā koi me ka liʻiliʻi o ʻelua makahiki o ka hana.
