Pehea e kūʻai ai i hale me ka loaʻa ʻole
ʻOiai ʻoi aku ka maʻalahi o ka loaʻa ʻana o kahi moraki ma ke ʻano he limahana uku ʻia ma mua o ka hoʻolimalima ʻana iā ʻoe iho, ʻaʻole pono ʻoe e hoʻi i kāu cubicle e hiki ai i kahi hōʻaiʻē home. Manaʻo paha kekahi poʻe hāʻawi kālā ʻaʻole ʻoe e loaʻa i kahi kālā paʻa e hiki ai ke uku i kāu uku moraki i kēlā me kēia mahina, a ʻo nā mea ʻē aʻe ʻaʻole makemake e hana i nā pepa ʻē aʻe e hiki ai ke hoʻokomo i kahi moraki hoʻolimalima.
ʻAʻole ʻike ka poʻe hāʻawi kālā i ka poʻe manuahi ma ke ʻano he mea hōʻaiʻē kūpono. Hiki ke noʻonoʻo ʻia ka poʻe ʻaiʻē i hoʻolimalima ʻia ma muli o kā lākou loaʻa mau a maʻalahi hiki ke hōʻoia ʻia, ʻoiai inā loaʻa iā lākou kahi helu ʻaiʻē maikaʻi loa. Pono nā mea hōʻaiʻē hana ponoʻī e hāʻawi i nā palapala hou aʻe e hōʻoia i ka loaʻa kālā ma mua o nā limahana kuʻuna hiki ke waiho i kahi W-2.
ʻO kekahi keʻakeʻa i ka loaʻa ʻana o ka moraki no ka poʻe paʻahana ponoʻī ʻo ia ka loaʻa ʻana o nā lilo ʻoihana. ʻOiai ʻo ka unuhi ʻana i kēia mau lilo e kōkua i ka poʻe ʻoihana e hōʻemi i kā lākou loaʻa ʻauhau, ʻo ia hoʻi ka hōʻike ʻana o kā lākou hōʻike ʻauhau i ka haʻahaʻa o ka loaʻa kālā makahiki, hiki ke waiho i ka poʻe hāʻawi kālā e noʻonoʻo inā loaʻa kālā ka mea ʻaiʻē e loaʻa ai kahi home. ʻO ka mea hope loa, makemake paha nā panakō e ʻike i kahi ratio haʻahaʻa haʻahaʻa o ka loan-to-value (LTV) mai ka poʻe ʻaiʻē hoʻolimalima ponoʻī, ʻo ia hoʻi, pono ka mea hōʻaiʻē e uku nui.
Moraki me ka hana ole aka me ka waiho nui
Hōʻike nā alakaʻi hōʻaiʻē FHA ʻaʻole koi ʻia ka mōʻaukala mua ma ke kūlana o kēia manawa. Eia nō naʻe, pono e kākau ka mea hāʻawi kālā i ʻelua makahiki o ka hana ma mua, ka hoʻonaʻauao, a i ʻole ka ʻoihana koa a wehewehe i nā hemahema.
Pono ka mea noi e kākau i ka mōʻaukala hana no nā makahiki ʻelua i hala. ʻAʻohe pilikia inā hoʻololi ka mea noi kālā i nā hana. Eia nō naʻe, pono e wehewehe ka mea noi i nā hakahaka a i ʻole nā loli nui.
Eia hou, inā e emi kēia uku hou i ka manawa, hiki i ka mea hāʻawi ke hōʻemi iā ia, me ka manaʻo ʻaʻole e mau ka loaʻa kālā i ʻekolu mau makahiki. A me ka ʻole o ʻelua makahiki o ka uku ʻana i ka manawa keu, ʻaʻole paha e ʻae ka mea hāʻawi iā ʻoe e koi iā ia ma kāu palapala moraki.
Aia nā ʻokoʻa. No ka laʻana, inā hana ʻoe no ka hui like, hana i ka hana like, a loaʻa ka loaʻa like a ʻoi aku ka maikaʻi, ʻaʻole e hōʻeha iā ʻoe ka hoʻololi ʻana i kāu ʻano uku mai ka uku a i ke komisina piha a hapa paha.
I kēia mau lā, ʻaʻole ia he mea maʻamau ka hoʻomau ʻana o nā limahana i ka hana no ka hui like a lilo i "consultants", ʻo ia hoʻi, he hana pilikino lākou akā loaʻa ka loaʻa kālā like a ʻoi aku paha. Hiki paha i kēia poʻe noi ke hele a puni ka lula ʻelua makahiki.
Hiki iaʻu ke loaʻa i kahi moraki me ka ʻole o kahi hana akā me ka mālama kālā?
ʻOiai he mea paʻakikī paha ke kūʻai ʻana i hale me ka loaʻa kālā haʻahaʻa ma mua o ka awelika, aia nā ʻano koho hōʻaiʻē a me nā papahana i loaʻa e kōkua i ka hoʻolilo ʻana i ka home i mea kūʻai aku no nā poʻe haʻahaʻa.
ʻOiai ʻaʻohe koi liʻiliʻi loa e kūʻai i hale, hiki ke paʻakikī i ka poʻe me nā kālā haʻahaʻa a waena paha e ʻae ʻia no ka moraki a kūʻai i home. A ʻoi aku ka paʻakikī o ka loaʻa ʻana o kahi moraki me ka ʻole o ka hana.
Ke hana nei ke Keʻena ʻOihana Mahiai o ʻAmelika Hui Pū ʻIa (USDA) i kahi papahana hōʻaiʻē e hāʻawi ana i nā moraki i nā ʻohana haʻahaʻa a haʻahaʻa loa i nā wahi kuaʻāina. Ua kapa ʻia ka papahana ʻo ka Polokalamu Hoʻopaʻa Loaʻa ʻia no ka Home ʻohana hoʻokahi.
Ma o kēia papahana, kākoʻo ʻo USDA i nā moraki i hāʻawi ʻia e nā mea hāʻawi kālā. Hāʻawi kēia kākoʻo aupuni i kēia mau mea hāʻawi kālā e hāʻawi i ka 100% kālā, ʻo ia hoʻi ʻaʻole pono kēia mau hōʻaiʻē iā ʻoe e waiho i kahi kālā.
No ka mea ʻo ka mālama ʻana no ka uku hoʻohaʻahaʻa ʻo ia ka pilikia nui loa no ka poʻe kūʻai home makemake, ʻoi aku ka poʻe me ka loaʻa kālā haʻahaʻa, hiki i nā hōʻaiʻē USDA ke kōkua i ka poʻe i kūpono i kahi home i hiki ʻole iā lākou ke loaʻa.
ʻO nā mea hōʻaiʻē moraki uku haʻahaʻa
Ua kau ka UK's Financial Conduct Authority (FCA) i ka palena piha i ka nui o nā moraki hiki iā lākou ke hāʻawi, ʻoi aku ia ma mua o 4,5 mau manawa o ka loaʻa kālā o ke kanaka. (A i ʻole 4,5 mau manawa loaʻa kālā ma kahi noi hui).
I ko lākou mana'o, 'o ka 'oihana ko'iko'i he pōkole ia no kahi pae o ka ho'ona'auao e hā'awi ana i nā manawa kūpono no ka holomua 'oihana a me nā hana 'ē a'e inā nalo ka mea 'ai'ē i kāna hana.
Hoʻolaha kekahi mau mea hāʻawi kālā i kā lākou "moraki ʻoihana". Akā inā ʻaʻole ʻoe i loaʻa nā ʻoihana ʻoihana, hiki i kahi mea hoʻopili pili maikaʻi e like me Clifton Private Finance ke loaʻa iā ʻoe ke komo i nā uku like.
Ma hope o ka hoʻoponopono nui ʻana o ka ʻoihana moraki e ka FCA i ka makahiki 2014, ʻaʻole hiki i nā panakō a me nā hui hale ke nānā hou aku i ka palena kiʻekiʻe e hiki i ka mea hōʻaiʻē ke uku (hōʻoia i ka uku a me nā kumu kālā ʻē aʻe).
ʻOiai me ka papahana 5% o ka waihona kālā, ʻo ka hapa nui o nā mea kūʻai aku i ka manawa mua e hakakā nei e uku i ka waiwai o kahi waiwai UK awelika me kā lākou waihona kālā a me ka mālama kālā, ma muli wale nō o ka piʻi ʻole o nā kumukūʻai hale.
