He manaʻo maikaʻi anei kahi moraki 40 makahiki?
Pono kēia ʻatikala i nā huaʻōlelo hou no ka hōʻoia. E ʻoluʻolu e kōkua i ka hoʻomaikaʻi ʻana i kēia ʻatikala ma ka hoʻohui ʻana i nā huaʻōlelo mai nā kumu hilinaʻi. Hiki ke hoʻohālikelike a wehe ʻia nā mea kumu ʻole. E ʻimi i nā kumuwaiwai: "Home Loan" - Nūhou - Nūpepa - Buke - Scholar - JSTOR (ʻApelila 2020) (E aʻo pehea a me ka wā e wehe ai i kēia pou mai ka template)
Hiki i nā mea hōʻaiʻē moraki ke lilo i poʻe e moraki ana i ko lākou home a i ʻole he mau hui e moraki ana i ka waiwai kalepa (e laʻana, ko lākou hale ʻoihana ponoʻī, nā hale noho i hoʻolimalima ʻia i nā mea hoʻolimalima, a i ʻole kahi waihona hoʻopukapuka kālā). ʻO ka mea hāʻawi kālā maʻamau he ʻoihana kālā, e like me ka panakō, ka hui ʻaiʻē a i ʻole kahi hui moraki, e hilinaʻi ana i ka ʻāina i nīnau ʻia, a hiki ke hana pololei ʻia nā ʻaelike hōʻaiʻē ma o nā mea waena. ʻO nā hiʻohiʻona o nā hōʻaiʻē moraki, e like me ka nui o ka hōʻaiʻē, ke oʻo ʻana o ka hōʻaiʻē, ka uku pānaʻi, ke ʻano o ka uku ʻana i ka hōʻaiʻē a me nā ʻano ʻē aʻe, hiki ke ʻokoʻa loa. ʻO nā kuleana o ka mea hāʻawi i ka waiwai i hoʻopaʻa ʻia ma mua o ka poʻe ʻaiʻē ʻē aʻe o ka mea hōʻaiʻē, ʻo ia hoʻi, inā lilo ka mea hōʻaiʻē i ka panakalupa a i ʻole ka ʻaiʻē, e loaʻa wale i nā mea ʻaiʻē ʻē aʻe ka uku o ka aie iā lākou ma ke kūʻai ʻana i ka waiwai. e uku mua ia.
40 makahiki moraki
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
40 makahiki helu moraki
ʻO, 50 makahiki aku nei. He mau manawa ʻē aʻe kēlā, ʻeā? ʻAʻole naʻe i pae mai ke kanaka i ka mahina, ʻo ka Beatles ka huhū nui i ke mele, ʻo ke galani kinoea he 25 keneta, a ʻo ka poʻe e kelepona i ke kū ʻana i luna ke ʻole he kaula lōʻihi loa.
ʻO ka moraki 50 makahiki (hoʻokani i ke mele weliweli, hekili, a me ka uē ʻana mai ka hale haunted) he hōʻaiʻē home me ka uku paʻa a me nā uku haʻahaʻa haʻahaʻa i uku ʻia ma mua o 50 mau makahiki. ʻO ia hoʻi, 600 mahina! ʻO ia ka mea nui o nā moraki, ʻo ka Moby Dick o ka hōʻaiʻē, a me ka moraki e hōʻoiaʻiʻo ana e ʻaiʻē ʻoe no ke koena o kou ola makua.
E like me ka hoʻomāinoino ʻana i ka wai Kina, ʻo kahi moraki 50 makahiki he ala lōʻihi a lohi loa e uku ai i kou hale. ʻO ka moraki 50 makahiki i hele mua mai i Kaleponi Hema, kahi e piʻi nui ai nā hale a ke ʻimi nei ka poʻe i nā ala noʻonoʻo e hoʻohaʻahaʻa i ka uku moraki i kēlā me kēia mahina.
E like me kāna mau haʻawina ma nā moraki 15-makahiki a me 30-makahiki, ʻo ka moraki 50-makahiki he moraki paʻa, ʻo ia hoʻi e mau ana ka uku paneʻe ma luna o ke ola (lōʻihi) o ka hōʻaiʻē. E uku ʻoe i ke kumupaʻa a me ka ukupanee i kēlā me kēia mahina a… inā e ola ana ʻoe i ka pau ʻana o ka manawa hōʻaiʻē 50 makahiki, e loaʻa iā ʻoe kahi home.
Nā ʻano o nā moraki 40 makahiki
ʻO ke koho ʻana i kahi moraki he mea nui ia o ke kaʻina hana kūʻai hale. ʻO ke koho ʻana i kahi moraki 15-makahiki ma kahi o ka ʻōlelo kuʻuna 30-makahiki ke kani nei me he neʻe akamai, ʻaʻole? ʻAʻole pono. ʻO ke koho ʻana i kahi manawa moraki pōkole loaʻa kekahi mau pōmaikaʻi mālama kālā. Eia nō naʻe, inā haʻahaʻa loa kāu loaʻa kālā no kahi manawa 15-makahiki, ʻoi aku ka liʻiliʻi o ka moraki 30 makahiki i kēlā me kēia mahina. Inā ʻaʻole ʻoe i hoʻoholo e pili ana i ke ʻano o ka moraki e koho ai, e nānā i lalo e ʻike i ka mea kūpono iā ʻoe.
ʻO ka ʻokoʻa nui ma waena o 15-makahiki a me 30-makahiki mau moraki ke ʻano o ka hōʻiliʻili ʻana o nā uku a me ka ukupanee. Me kahi moraki 15 makahiki, ʻoi aku ka nui o kāu uku o kēlā me kēia mahina, akā e emi ana ʻoe i ka uku panee holoʻokoʻa. Me kahi moraki 30-makahiki, ʻo ka mea ʻē aʻe ka hihia. E hoʻopau ʻoe i ka uku hou aku no kou hale ma muli o ka ukupanee. Akā ʻoi aku ka haʻahaʻa o ka uku moraki.
Ke ho'āʻo nei e hoʻoholo i ka manawa o ka moraki, e noʻonoʻo i ka mea maikaʻi loa no kāu kālā. E ho'āʻo e kaupaona i ka huina kālā. Eia kekahi laʻana, e ʻōlelo mākou makemake ʻoe e ʻaiʻē i $150.000 e kūʻai i hale. Hiki iā ʻoe ke koho ma waena o kahi moraki 15 mau makahiki ma 4,00% a i ʻole 30 mau makahiki moraki ma 4,50%. Ma ka papahana 15 makahiki, ʻo kāu uku e pili ana i $1.110 i kēlā me kēia mahina, ʻaʻole me ka ʻinikua a me nā ʻauhau. E hoʻopau ʻoe i ka uku kokoke i $50.000 i ka ukupanee i ke ola o ka hōʻaiʻē.
