Hiki iaʻu ke loaʻa kahi moraki ma ke ʻano he haumāna?
ʻO ka cosigner ka mea nāna i ʻaelike e uku i ka ʻaiʻē inā hōʻole ka mea noi. Hiki iā ia kekahi o kou mau mākua a i ʻole kāu hoa kāne. Pono lākou e hoʻolimalima a loaʻa ka waiwai nui.
Hiki ke loaʻa mai ka loaʻa passive mai ka waiwai hoʻolimalima a i ʻole kahi ʻoihana āu i komo ʻole ai. ʻO kekahi mau hiʻohiʻona o ka loaʻa passive he mahele, loaʻa hoʻolimalima, uku uku, alimony, a me nā mea ʻē aʻe.
Inā nalowale kāu hana, hiki iā ʻoe ke hoʻāʻo e hāʻawi i ka mea hāʻawi kālā i kāu mōʻaukala hana a hōʻike iā lākou ke ʻimi nei ʻoe i kahi hana. Pono ʻoe e hōʻike i nā kumu waiwai ʻē aʻe a i ʻole kahi waihona i mālama ʻia i mea hōʻoia e hiki iā ʻoe ke uku i nā uku.
“… Ua hiki iā ia ke loaʻa koke iā mākou a me ka haʻahaʻa haʻahaʻa loa i kahi hōʻaiʻē ma ka uku ukupanee maikaʻi ke haʻi mai kekahi iā mākou he paʻakikī loa ia. Pīhoihoi loa i kā lākou lawelawe a makemake nui i nā loea mortgage i ka wā e hiki mai ana "
“… ua maʻalahi lākou i ke kaʻina noi a me ka hoʻoponopono ʻana a me ke kaumaha ʻole. Hāʻawi lākou i ka ʻike maopopo loa a pane koke lākou i nā nīnau. Ua maopopo loa lākou ma nā ʻano āpau o ke kaʻina hana. "
Moraki me ka hana ole
No ka poʻe i hoʻolimalima iā lākou iho a i ʻole ka manawa, a i ʻole ka poʻe e loaʻa ana i kahi kaʻe hana, ʻo ka noi ʻana i kahi moraki hiki ke lilo i mea hōʻeha loa. ʻO nā mea hōʻaiʻē moraki e like me ka hōʻoia maʻalahi o ka hana a me kekahi mau makahiki o W-2 i ka wā e noʻonoʻo ana lākou i kahi noi hōʻaiʻē home, no ka mea, ʻike lākou he ʻuʻuku ka pilikia ma mua o nā ʻano hana ʻē aʻe.
Akā ma ke ʻano he mea hōʻaiʻē, ʻaʻole ʻoe makemake e hoʻopaʻi ʻia no ka loaʻa ʻole o kahi hana ke hilinaʻi ʻoe i kou hiki ke uku i kahi hōʻaiʻē home, a inā makemake ʻoe e hoʻihoʻi i kāu moraki e hoʻohaʻahaʻa i nā uku hōʻaiʻē mahina. Hiki ke kōkua nui ʻia nā uku hōʻaiʻē liʻiliʻi inā ua nalowale ʻoe i kāu hana a hopohopo e pili ana i kāu kālā o kēlā me kēia mahina.
ʻAʻole hiki ʻole ke kūʻai ʻana a i ʻole ka hoʻihoʻi kālā ʻana i kāu moraki ʻoiai ʻoe i ka hana ʻole, akā e hoʻoikaika iki a me ka noʻonoʻo e hoʻokō i nā koi maʻamau refinancing. ʻO ka mea pōʻino, ʻaʻole ʻae ka poʻe hāʻawi kālā i ka loaʻa kālā ʻole i hōʻoia o ka loaʻa kālā no kāu hōʻaiʻē. Loaʻa nā ʻokoʻa no nā limahana manawa a i ʻole nā limahana i komo i loko o kahi uniona. Eia kekahi mau hoʻolālā hiki iā ʻoe ke hoʻohana e kōkua iā ʻoe e loaʻa a hoʻihoʻi hou i kāu hōʻaiʻē me ka ʻole o kahi hana.
Hiki iaʻu ke hoʻihoʻi hou inā ʻaʻohe oʻu hana?
Ma hope o nā mea a pau, ʻo kekahi o nā koi nui e loaʻa ai kahi moraki e hiki ke hōʻike i hiki iā ʻoe ke uku i nā hōʻaiʻē moraki. Inā ua nalowale kāu hana a ʻo kāu loaʻa kālā wale nō ʻo nā pōmaikaʻi Centrelink, paʻakikī paha ke hōʻoia i kou hiki ke uku i ka hōʻaiʻē.
ʻO ka ʻoiaʻiʻo, ʻaʻole helu nā mea hāʻawi kālā a pau i nā uku ʻo Centrelink ma ke ʻano he ʻāpana o kāu loaʻa i ka wā e loiloi ai i kāu noi hōʻaiʻē home. E noʻonoʻo wale ka poʻe ʻē aʻe i ka loaʻa kālā lua a manaʻo e loaʻa iā ʻoe ke kālā mai nā kumu ʻē aʻe inā noi ʻoe no kahi moraki.
Ke ʻike ka mea hāʻawi kālā i ka nui āu e hiki ai ke hōʻaiʻē, e nānā mua lākou i ka nui āu e loaʻa ai a me ka nui o kāu lilo. Inā ʻae ka mea hāʻawi kālā i nā pōmaikaʻi Centrelink i loaʻa, makemake lākou e ʻike ua lawa lākou e uku i ka moraki i kēlā me kēia mahina.
Inā loaʻa iā ʻoe ka loaʻa kālā mai nā kumu ʻē aʻe, e like me ka hoʻopukapuka waiwai a i ʻole nā puʻuna waiwai, e noʻonoʻo ʻia kēia mau mea. ʻOiai, no ka pilikia o ka hoʻokele waiwai o kēia manawa, hiki iā lākou ke hōʻemi i ka nui a lākou e makemake ai e noʻonoʻo i kāu loaʻa kālā.
Hiki iaʻu ke loaʻa i kahi moraki me ka ʻole o kahi hana akā me ka mālama kālā?
Inā ʻaʻohe āu hana, hiki ke paʻakikī ke ʻae ʻia no kahi hōʻaiʻē pilikino: pono paha ʻoe e hōʻoia e hiki iā ʻoe ke uku i ka hōʻaiʻē ma nā ʻano ʻē aʻe. Eia naʻe, ma mua o kou hoʻāʻo ʻana, e noʻonoʻo pono inā ʻo ka hōʻaiʻē ka hopena kūpono no kou kūlana.
Palapala hoʻoponopono: Loaʻa iā Credit Karma ka uku mai nā mea hoʻolaha ʻaoʻao ʻekolu, akā ʻaʻole pili kēia i ka manaʻo o kā mākou mea hoʻoponopono. ʻAʻole loiloi kā mākou mea hoʻolaha, ʻae a kākoʻo i kā mākou ʻike hoʻoponopono. He pololei ia i ko mākou ʻike a me ko mākou manaʻoʻiʻo ke paʻi ʻia.
Manaʻo mākou he mea nui iā ʻoe ke hoʻomaopopo i ke ʻano o ka loaʻa kālā. ʻOiaʻiʻo, maʻalahi loa. ʻO nā hāʻawi o nā huahana kālā āu e ʻike ai ma kā mākou kahua mai nā hui e uku mai iā mākou. ʻO ke kālā i loaʻa iā mākou e kōkua iā mākou e hāʻawi iā ʻoe i ka loaʻa ʻana o nā helu hōʻaiʻē manuahi a me nā hōʻike a kōkua iā mākou e hana i kā mākou mau mea hana hoʻonaʻauao maikaʻi loa.
Hiki i ka uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kā mākou kahua (a ma ke ʻano he aha). Akā, no ka mea maʻamau mākou e loaʻa kālā ke loaʻa ʻoe i kahi hāʻawi āu e makemake ai a kūʻai mai, hoʻāʻo mākou e hōʻike iā ʻoe i nā makana a mākou i manaʻo ai he kūpono ia no ʻoe. ʻO ia ke kumu e hāʻawi ai mākou i nā hiʻohiʻona e like me ka ʻae ʻana a me nā koho hoʻopakele.
