Awelika o ka moraki ukupanee uk 35 makahiki
Wahi a kahi noiʻi Zillow i hala iho nei, uku nā mea kūʻai aku ma kahi o $3.700 i nā kumukūʻai pani a puni ka ʻāina. Eia hou, "awelika" i ka wā e pili ana i nā kumukūʻai moraki ʻaʻole manaʻo nui. E ʻokoʻa loa kāu mau koina.
Makemake ʻoe e hōʻoia ʻoe e hoʻohālikelike i kēia mau manaʻo me nā ʻāpala, ʻo ia hoʻi, e hōʻoia i ka loaʻa ʻana o nā ʻike like a pau e pili ana i kou hale, a laila e hoʻohālikelike i nā koina i kēlā me kēia laina e ʻike i ka mea ʻoi aku ka maikaʻi.
ʻO ia ke kumu ʻaʻole manaʻo nui ka uku ʻana i ka moraki "awelika". Pono ʻoe e noʻonoʻo i ke kumukūʻai o ka hale, ka uku hoʻohaʻahaʻa, ka ʻinikua moraki a me ka uku ukupanee e ʻike ai i ka nui o kāu moraki.
'Awelika uku moraki
ʻO kekahi o nā kumu nui e hoʻoholo ai i ke kumukūʻai o kāu moraki ʻo ia ka uku ukupanee. ʻOiai he haʻahaʻa haʻahaʻa ka uku pānaʻi ma nā hōʻaiʻē home i kēia manawa, hiki i kahi moraki ke hoʻopau iā ʻoe i ka nui o ke kālā ma nā uku ma luna o 25 a 30 mau makahiki.
ʻO ka nui o nā kumukūʻai i helu ʻia ma luna nei ma luna o ka manaʻo e hoʻomau mau ka uku paneʻe. Me nā kumukūʻai i kēia manawa i nā haʻahaʻa haʻahaʻa, he mea maoli ka manaʻo e piʻi ka uku paneʻe ma luna o ke ola o ka hōʻaiʻē, e alakaʻi ana i kahi kumukūʻai kiʻekiʻe. Ma ke ʻano he laʻana o ka hoʻohālikelike ʻia ʻana o nā kumukūʻai haʻahaʻa haʻahaʻa me nā kumukūʻai kiʻekiʻe, aia ma lalo ke kumu kūʻai o kahi moraki ma luna o 25 mau makahiki ma ka uku paneʻe o 7%.
ʻO kāu moraki ka ʻaiʻē nui loa āu e loaʻa ai, me ka loaʻa ʻole o nā pōmaikaʻi ʻauhau. He mea kūpono ke ho'āʻo e uku iā ia i ka wā hiki loa, a me ka hōʻoia e loaʻa iā ʻoe ka waiwai maikaʻi loa no ke kālā.
Ka helu helu huina kālā hōʻaiʻē
Pono ka hapa nui o ka poʻe i kahi moraki no ke kālā kūʻai ʻana i hale. E hoʻohana i kā mākou helu moraki e koho i kāu uku home i kēlā me kēia mahina, e like me ke kumu a me ka ukupanee, nā ʻauhau waiwai, a me ka ʻinikua. E ho'āʻo i nā ʻike like ʻole e pili ana i ke kumu kūʻai home, ka uku haʻahaʻa, nā huaʻōlelo hōʻaiʻē, a me ka uku ukupanee e ʻike i ka loli ʻana o kāu uku mahina.
Inā he hui nona ka home (HOA) ka condo, cooperative, a i ʻole kaiāulu, pono paha ʻoe e uku i nā uku HOA. ʻOiai ʻaʻole kēia mau uku i ʻāpana o ka uku moraki, e hoʻokomo kekahi mau lawelawe moraki iā lākou, inā noi ʻia, i loko o ka ʻāpana escrow o ka uku.
Hiki iā ʻoe ke hoʻohana i kā mākou moraki e helu ai i kāu uku mahina (ke ala maʻalahi), a i ʻole hiki iā ʻoe ke hana iā ʻoe iho inā makemake ʻoe i kahi makemakika liʻiliʻi. ʻO kēia ke kumu maʻamau no ka helu ʻana i ka uku o ka moraki ma ka lima. No ka helu ʻana i ka ʻāpana mahina o kāu moraki ("M"), e hoʻokomo i ke kapikala ("P"), ka uku paneʻe mahina ("i") a me ka helu o nā mahina ("n") o kāu hōʻaiʻē a hoʻoholo:
\bin{aligned} &M = \frac{ P \hema [ (1 + i) ^ n \'ākau ] }{ \hema [ (1 + i) ^ n – 1 \'ākau ] } \\textbf{where:} \ kikokikona &P = \text {ka nui o ka hō'ai'ē nui (ka nui āu e hō'ai'ē ai)} \text &i = \text {ka uku pane'e mahina} \\ &n = \text{ka helu o nā mahina e pono ai e uku i ka hō'ai'ē} \\ hope{ span}
ʻEhia ka nui o kāu uku no ka hale ma hope o ka uku?
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
He hana nui ke kūʻai ʻana i hale. He mea nui e kūʻai i hale āu a me kou ʻohana i makemake ai, a he mea nui hoʻi e hōʻoia i hiki iā ʻoe ke uku i ka moraki. ʻEhia ka nui o kāu e hoʻolilo ai ma kahi home e hilinaʻi ʻia i ka nui o kāu hōʻaiʻē a me ka uku moraki āu i hoʻonohonoho ai, a me nā lilo ʻē aʻe e like me ka ʻauhau waiwai, ʻinikua, a i kekahi manawa nā uku o ka hui ʻana o nā mea hale. Maʻaneʻi e kōkua mākou iāʻoe e hana i ka hoʻoholo kālā kūpono a pehea e pane ai i ka nīnau, "Ehia ka hale e hiki iaʻu ke loaʻa?"
