Inā uku ʻia koʻu hale, ʻehia ka nui o kaʻu pono e hoʻomaha?
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.
He aha nā palapala e loaʻa iaʻu ma hope o ka uku ʻana i ka moraki?
Ke uku ʻoe i ka moraki a hoʻokō i nā ʻōlelo o ka ʻaelike moraki, ʻaʻole e haʻalele koke ka mea hāʻawi i nā kuleana i kāu waiwai. Aia nā ʻanuʻu e pono ai ʻoe e hahai. Kapa ʻia kēia kaʻina hana moraki.
He ʻokoʻa kēia kaʻina hana ma muli o kāu panalāʻau a i ʻole ka ʻāina. I ka hapanui o nā hihia, hana pū ʻoe me kahi loio, notary, a i ʻole komisina hoʻohiki. ʻAe kekahi mau panalāʻau a me nā panalāʻau iā ʻoe e hana iā ʻoe iho. E hoʻomanaʻo ʻoiai inā ʻoe e hana iā ʻoe iho, pono paha ʻoe e kiʻi i kāu mau palapala notarized e ka ʻoihana, e like me ka loio a i ʻole notary.
ʻO ka maʻamau, e hāʻawi ka mea hāʻawi iā ʻoe i ka hōʻoia ʻana ua uku ʻoe i ka moraki i ka piha. ʻAʻole hoʻouna ka hapa nui o nā mea hāʻawi i kēia hōʻoia ke ʻole ʻoe e noi. E nānā inā loaʻa i kāu mea hāʻawi ke kaʻina hana no kēia noi.
Pono ʻoe, kāu loio a i ʻole kāu notary e hāʻawi i ke keʻena kākau inoa waiwai me nā palapala pono āpau. Ke loaʻa nā palapala, hoʻopau ke kākau inoa o ka waiwai i nā kuleana o ka mea hāʻawi i kāu waiwai. Hoʻopau lākou i ka inoa o kāu waiwai e hōʻike i kēia hoʻololi.
Ua uku au i kaʻu moraki, hiki iaʻu ke kiʻi i kahi palapala?
Ma hope o ka uku ʻana i ka moraki, ʻike paha ʻoe i kahi manaʻo haʻaheo hou i kou home. Nou maoli ka hale. Loaʻa paha kāu kālā keu i kēlā me kēia mahina, a ʻoi aku ka haʻahaʻa o ka nalowale ʻana o kou home inā pilikia ʻoe.
Pono paha ʻoe e hana i nā mea ʻoi aku ma mua o ka uku moraki hope loa e hoʻopau ai i kāu kūlana homeownership hou. E ʻike i ka mea i manaʻo ʻia ke uku ʻoe i kāu moraki e hōʻoia i ka loaʻa ʻole o ka uku.
Ma mua o kou uku ʻana i kāu moraki hope loa, pono ʻoe e noi i kāu mea lawelawe hōʻaiʻē no kahi koho uku. Hiki iā ʻoe ke hana pinepine i kēia ma o ka pūnaewele o ka mea lawelawe ʻoiai e pili ana i kāu moʻokāki home aie. Inā ʻaʻole, hiki iā ʻoe ke kelepona iā lākou. E hoʻohana i kāu helu hōʻaiʻē. E loaʻa iā ʻoe ma kāu ʻōlelo moraki.
E hōʻike pololei ana ka waihona kālā amortization iā ʻoe i ka nui o ke kumupaʻa a me ka ukupanee āu e uku ai no ka loaʻa ʻana o kou home me ka uku ʻole ʻia. E haʻi pū ana ʻoe i ka lā āu e uku ai. Inā lōʻihi ka lōʻihi, ʻaʻole ia he pilikia nui. E ʻaiʻē hou aku ʻoe.
ʻO ka makahiki maʻamau e uku i ka moraki ma Kanada
No laila, ke kakali nei ʻoe e hui pū me ka aneane 40% o ka poʻe ʻAmelika nona ka home.1 Hiki iā ʻoe ke noʻonoʻo? Inā ʻaʻohe hale o ka panakō a hele ʻoe ma luna o kou mauu, ʻokoʻa ka mauʻu ma lalo o kou mau wāwae: ʻo ia ke kūʻokoʻa.
ʻAe, no laila ua ʻike paha ʻoe ʻo kēlā me kēia kālā āu e hoʻohui ai i kāu uku moraki e hāʻawi i kahi ʻoi aku ka nui o kāu koena kumu. A ʻo ia hoʻi inā hoʻohui ʻoe i hoʻokahi uku hou i ka makahiki, e hōʻemi ʻoe i ka manawa o kāu moraki i nā makahiki he nui, ʻaʻole e haʻi i ka mālama ʻana i ka ukupanee.
E ʻōlelo mākou he 220.000 makahiki kāu, $30 moraki me ka uku pānaʻi o 4%. Hiki i kā mākou helu helu moraki ke hōʻike iā ʻoe pehea e uku ai i ka uku hale keu ($1.050) i kēlā me kēia hapaha i kāu moraki 11 mau makahiki ma mua a mālama i ka $65.000 i ka ukupanee.
ʻAe kekahi mau mea hōʻaiʻē moraki iā ʻoe e kākau i nā uku moraki i kēlā me kēia pule. ʻO ia hoʻi, hiki iā ʻoe ke hana i ka hapalua o kāu uku moraki i kēlā me kēia pule ʻelua. Loaʻa kēia i 26 hapalua uku, e like me 13 mau uku mahina piha i kēlā me kēia makahiki. Ma muli o kā mākou hiʻohiʻona ma luna, hiki i kēlā uku keu ke lawe i ʻehā mau makahiki mai kāu moraki 30 makahiki a mālama iā ʻoe ma mua o $25.000 i ka ukupanee.
