E lawe i ka uku hale me ka nānā ʻole ʻaiʻē
E like me ka mea e pili ana i ka poʻe hāʻawi kālā, noho nā kānaka ʻelua i "hui pū a pakahi" no ka hōʻaiʻē. I nā huaʻōlelo ʻē aʻe, hiki i ka mea hōʻaiʻē ke hele no nā mea ʻelua a i ʻole nā mea ʻelua i ka hopena o ka paʻamau. A e pōʻino nā helu ʻaiʻē o nā mea ʻelua inā lohi ka uku.
Pēlā nō ia no ka mea hōʻaiʻē hoa ʻaʻole makemake hou e kuleana no ka moraki a lākou i pūlima pū ai. Inā ʻike ʻoe iā ʻoe iho i ke kūlana o ka wehe ʻana i kou inoa, a i ʻole kekahi, mai kahi moraki, eia kāu mau koho.
ʻO kēia mau koi hope ʻelua paha ka paʻakikī loa e hoʻokō. Inā ʻaʻole ʻoe ʻo ka mea ʻai mua i ka ʻohana, ʻaʻole lawa paha kāu kālā e hiki ai ke hōʻaiʻē iā ʻoe iho. Eia naʻe kekahi ʻōlelo aʻo: inā e loaʻa iā ʻoe ke kōkua alimony a i ʻole ke kākoʻo keiki, e hāʻawi i kāu mea hāʻawi i kēlā ʻike. Hiki i kēlā loaʻa kālā ke kōkua iā ʻoe i ke kūpono no ka hoʻolimalima ʻana me ka ʻole e hilinaʻi i kahi lālā o ka ʻohana e kau inoa.
Loaʻa i nā hōʻaiʻē USDA kahi koho refinancing maʻalahi. Eia nō naʻe, inā hoʻohana ʻoe i ka USDA Streamline Refi e wehe i kahi inoa mai ka hōʻaiʻē, pono e hoʻihoʻi hou ka mea ʻaiʻē i koe no ka hōʻaiʻē e pili ana i ka hōʻike hōʻaiʻē a me ka loaʻa kālā.
E noʻonoʻo i ka ʻaelike uku moraki
ʻO ka hoʻomaopopo ʻana i ka hopena o kāu mau aie ke make ʻoe he ʻāpana koʻikoʻi o ka hoʻolālā ʻāina, a ʻaʻole pono ʻoe e waiwai e loaʻa kahi ʻāina. ʻO nā mea a pau āu e ʻaiʻē ai, ʻo ia kou waiwai. No nā kānaka he nui, ʻo ia ka hale me kahi moraki.
ʻO ka ʻaiʻē median pili home no kahi mea hōʻaiʻē 65 a 74 mau makahiki me kahi moraki mua, hōʻaiʻē home equity, a / a i ʻole laina o ka hōʻaiʻē home he $100.000, e like me ka American Housing Survey. United States Census Bureau ma 2019 , nā hualoaʻa hou loa i loaʻa. No ka poʻe nona nā makahiki he 75 a keu, he $75.000.
Hoʻoholo nā kānāwai mokuʻāina a me ke aupuni pekelala i ka hopena o ka home a me ka moraki ke make ka mea nona ka hale. He ʻōlelo nō hoʻi ka mea nona, ʻoiai lākou e hana i kekahi hoʻolālā waiwai maʻamau, e like me ka hana ʻana i kahi palapala kauoha a hilinaʻi paha, koho ʻana i nā mea e loaʻa ana, a me ke kūʻai ʻana paha i kahi kulekele ʻinikua ola.
Ke make ʻoe, lilo kāu mau aie a me nā waiwai āpau - me ka hale - i ʻāpana o kāu waiwai, kahi e hoʻopau ai kekahi. ʻO kahi ʻāpana koʻikoʻi o kēia kaʻina hana ʻo ka lawe ʻana i kahi papa helu o nā mea a pau āu i loaʻa ai a hoʻoholo mua i ka mea e loaʻa i ka mea i waena o nā hoʻoilina a me nā mea ʻaiʻē.
Ua hoʻoili nā kaikunāne i hale me ka moraki
ʻO ka hapa nui o nā moraki hoʻohuli ʻia he Home Equity Conversion Mortgages (HECMs). ʻO ka Federal Housing Administration (FHA), kahi ʻāpana o ke Keʻena ʻOihana Housing a me Urban Development (HUD), e hōʻoia i nā HECM. E like me ka moraki kuʻuna, me ka HECM e noi ʻia kahi hōʻaiʻē a hoʻohana ʻia ka home ma ke ʻano he mea hōʻaiʻē. Pono ʻoe e hoʻomau i ka uku ʻana i ka ʻauhau waiwai, ka ʻinikua home, a me nā hoʻoponopono e pono ai e mālama i kou home, a i ʻole hiki i ka mea hāʻawi kālā ke hoʻopaʻa. Nānā: Aia kēia ʻaoʻao pūnaewele i ka ʻike e pili ana i nā HECM, ʻo ia ke ʻano maʻamau o ka moraki hoʻohuli. Inā e neʻe ʻoe, kūʻai aku i kou home, a i ʻole make ka mea hōʻaiʻē hope loa a i ʻole ka hoa hōʻaiʻē kūpono ʻole, pono ʻoe a i ʻole kou waiwai e uku i ka hōʻaiʻē HECM, akā ʻaʻole ʻoe e ʻaiʻē ma mua o ka waiwai o ka home. e hoʻokomo i ka nui i loaʻa iā ʻoe ma ke kālā, me ka ukupanee a me nā uku i hoʻohui ʻia i ke koena hōʻaiʻē i kēlā me kēia mahina. No ka uku ʻana i ka hōʻaiʻē, pono ʻoe a i ʻole kou mau hoʻoilina e kūʻai aku i ka hale. E heluhelu hou e pili ana i ka hopena o kāu moraki hoʻohuli i kou wā e make ai a pono ʻoe e neʻe i kahi home hānai.
Hiki iā ʻoe ke mālama i ka moraki o kekahi?
Wahi a ka noiʻi a ka Council of Mortgage Lenders (CML),† i ka makahiki 2014, 52% o nā mea kūʻai mua i loaʻa ke kōkua kūʻai ʻana i hale, mai ka ʻohana a i ʻole ma o nā hoʻolālā aupuni e like me Homeownership Assistance.
ʻO kahi koho i ka hāʻawi kālā ʻana ʻo ka hōʻaiʻē. ʻOiai ʻoi aku ka maikaʻi o ka hōʻaiʻē kālā mai ka ʻohana no kahi waihona moraki ma mua o ka lawe ʻana i kahi hōʻaiʻē, ʻoiai ʻaʻole pono ka poʻe ʻaiʻē e uku i ka uku paneʻe, ua manaʻo ʻia he hōʻaiʻē no nā kumu noi moraki.
Pono nā mākua e noʻonoʻo i ka hopena o kā lākou helu ʻaiʻē. ʻO ka hoʻopaʻa inoa ʻia ʻana he moraki e pili ana i kāu mōʻaukala aie i kāu keiki. ʻO ia hoʻi, inā hana hewa ke keiki i kā lākou kālā pilikino, pili ia i ka hiki i nā mākua ke loaʻa ka hōʻaiʻē i ka wā e hiki mai ana.
ʻO kahi moraki hoʻokuʻu kaulike e hoʻokuʻu i ka waiwai o nā hale i loaʻa pololei, me ka ʻole o kahi moraki e kū nei. ʻIke ʻia hoʻi he moraki no ke ola, ʻae lākou i ka hōʻaiʻē a hiki i 50% o ka waiwai o ka home. Akā hiki i kēia mau huahana ke ʻai i kekahi a i ʻole nā mea waiwai a pau o kāu waiwai, no laila ʻaʻole ia he koho e noʻonoʻo ʻia.
