Moraki home - deutsch
ʻO ka huaʻōlelo "moraki" e pili ana i kahi hōʻaiʻē i hoʻohana ʻia no ke kūʻai ʻana a mālama ʻana i kahi home, ʻāina, a i ʻole nā ʻano waiwai ʻē aʻe. Ua ʻae ka mea ʻaiʻē e uku i ka mea hāʻawi aku i ka manawa, ma ke ʻano maʻamau o nā uku maʻamau i māhele ʻia i ke kumupaʻa a me ka ukupanee. He mea hōʻaiʻē ka waiwai e hoʻopaʻa i ka hōʻaiʻē.
Pono ka mea ʻaiʻē e noi no kahi moraki ma o kā lākou mea hāʻawi makemake a e hōʻoia i ka hoʻokō ʻana i kekahi mau koi, e like me nā helu hōʻaiʻē liʻiliʻi a me nā uku uku. E hele ana nā noi moraki ma ke kaʻina hana underwriting ma mua o ka hiki ʻana i ka pae pani. ʻOkoʻa nā ʻano o nā moraki ma muli o nā pono o ka mea hōʻaiʻē, e like me nā hōʻaiʻē maʻamau a me nā hōʻaiʻē paʻa.
Hoʻohana nā kānaka a me nā ʻoihana i nā moraki e kūʻai i ka waiwai paʻa me ka ʻole e uku i ke kumukūʻai kūʻai piha ma mua. Hoʻihoʻi ka mea hōʻaiʻē i ka hōʻaiʻē a me ka ukupanee no kekahi mau makahiki i hoʻonohonoho ʻia a hiki i ka loaʻa ʻana o ka waiwai me ka uku ʻole ʻia. ʻIke ʻia hoʻi nā moraki ma ke ʻano he ʻae kūʻē i ka waiwai a i ʻole nā koi i ka waiwai. Inā hōʻole ka mea hōʻaiʻē i ka moraki, hiki i ka mea hāʻawi ke hoʻopaʻa i ka waiwai.
helu moraki
ʻO kekahi o nā pōmaikaʻi o ke kūʻai ʻana i hale ʻo ia ka hiki iā ʻoe ke kūkulu i ke kaulike i loko o ia mea a hoʻohana i kēlā kaulike e uku no ka hoʻoponopono hou ʻana o ka lumi kuke, hoʻopau i ka hōʻaiʻē kāleka hōʻaiʻē kiʻekiʻe, a i ʻole ke kōkua ʻana i ka uhi ʻana i nā haʻawina kula o kāu mau keiki.
ʻO ka waiwai waiwai ka ʻokoʻa ma waena o kāu aie ma kāu moraki a me ka waiwai o kēia manawa o kou home. Inā he $150.000 kāu ma kāu hōʻaiʻē home a he $200.000 kou home, loaʻa iā ʻoe he $50.000 o ke kaulike ma kou home.
Inā kūʻai ʻoe i hale no $200.000. Hiki iā ʻoe ke uku i lalo o 10% o ke kumu kūʻai o ka hale, ʻo ia ka $20.000. A laila e hāʻawi ka mea hāʻawi iā ʻoe i kahi hōʻaiʻē home $180.000.
Hiki i ka mea loiloi waiwai ke hāʻawi i ka loiloi kūhelu o ka waiwai kūʻai o kou home i kēia manawa. Eia nō naʻe, hiki iā ʻoe ke hoʻohālikelike i ka waiwai o kou home ma ka nānā ʻana i nā kūʻai kūʻai home like ʻole ma kou wahi a i ʻole ma ka nānā ʻana i nā kūʻai kūʻai hale pūnaewele e hāʻawi ana i kā lākou mau koho waiwai home.
ʻO ka ʻike ʻana i ka nui āu e hiki ai ke waiho i lalo he hana nui ia i ka hoʻomaopopo ʻana pehea ʻoe e kūkulu ai i ka waiwai i kou home. ʻO ka ʻae ʻia ʻana no kahi moraki ma mua o kou hāʻawi ʻana e kōkua iā ʻoe e hoʻomaopopo i ka nui o kāu waihona e pono ai ʻoe e hoʻohana no ka uku ʻana.
Ke ano o ka moraki
ʻO ka hōʻaiʻē moraki he hōʻaiʻē i hoʻopaʻa ʻia e hiki ai iā ʻoe ke loaʻa kālā ma ke kau ʻana i ka waiwai maoli, e like me ka home a i ʻole ka waiwai ʻoihana, i mea hōʻaiʻē no ka mea hāʻawi. Mālama ka mea hāʻawi i ka waiwai a hiki i ka wā e uku ai ʻoe i ka hōʻaiʻē.
Hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē home a i ʻole kahi hōʻaiʻē ʻoihana no ke kūʻai ʻana i home a i ʻole ʻoihana, kēlā me kēia. ʻO ka ʻokoʻa, ʻaʻohe palena o ka hoʻohana ʻana i kahi hōʻaiʻē i ka waiwai. E hoʻohana iā ia e hoʻolilo kālā i ka hoʻonaʻauao ʻana o kāu keiki ma waho, kahi male, hoʻoponopono home, mālama olakino, etc. Hiki iā ʻoe ke hoʻohana i ka hōʻaiʻē waiwai wikiwiki loa a Bajaj Finserv a loaʻa ke kālā i kāu moʻokāki i loko o 3 mau lā * o ka ʻae ʻia.
He aha ka manaʻo o ka moraki ʻana i hale ma ka monopoly?
ʻO ka home equity ka waiwai o kou home me ka nui o kāu aie ma kāu moraki a i ʻole ka hōʻaiʻē home. Ke kūʻai mua ʻoe i hale, ua like ka waiwai o kou home me ka uku mua. Inā kūʻai ʻoe i hale no $250.000 me ka uku haʻahaʻa o $25.000, hoʻomaka ʻoe me $25.000 o ka home equity. Ma hope o kou kūʻai ʻana i hale, hiki ke loli ka waiwai o kāu ʻupena waiwai a manaʻo ʻia e hoʻonui.
I nā makahiki mua o ka noho ʻana o ka home, ʻoi aku ka nui o ka bila o kēlā me kēia mahina i ka uku ʻana i ka ukupanee ma mua o ka uku ʻana i ke kumupaʻa. ʻO ia hoʻi, ʻo nā uku moraki e hāʻawi haʻahaʻa wale i ka waiwai o ka home. Hiki paha iā ʻoe ke kūkulu i ka waiwai ʻupena me ka wikiwiki ma ka uku ʻana i nā mea ʻoi aku ma mua o kāu aie i kēlā me kēia mahina, e hana i kahi uku moraki hou i kēlā me kēia makahiki, a i ʻole ka neʻe ʻana i nā uku moraki ʻelua pule. ʻO ka hoʻolilo ʻana i nā uku hou e kōkua iā ʻoe e mālama i ka ukupanee no ka mea ke uku wikiwiki nei ʻoe i kāu hōʻaiʻē.
No ka laʻana, inā kūʻai ʻoe i kou home i ʻelima mau makahiki aku nei no $250.000 a ʻo ke kumukūʻai mākeke o kou home i kēia manawa he $300.000, e lilo kēlā $50.000 i ʻāpana o kāu waiwai ʻupena. He mea maikaʻi kēia no ka mea hiki i ka piʻi ʻana o nā kumukūʻai home ke kōkua iā ʻoe e kūkulu i ka waiwai.
