Hiki iā ʻoe ke hāʻawi mai iaʻu i moraki ʻoiai ʻaʻohe hana?

Hiki iaʻu ke loaʻa i kahi moraki me ka uku ʻole?

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. "

Pehea e kūʻai ai i hale me ka loaʻa ʻole

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 ʻoe e 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.

Moraki me ka 2 makahiki o ka moolelo hana

ʻO ka hele ʻana mai ka hoʻolimalima ʻana i ka hoʻolimalima ʻana he mea nui ia no nā ʻAmelika. Ua aʻo ʻia mākou a pau ʻo ka loaʻa ʻana o kahi home kahi ʻāpana nui o ka moemoeā ʻAmelika. Akā inā ʻoe ma waena o nā hana, ʻaʻole hiki ke loaʻa ka home? E nānā pono kākou i ka nīnau inā hiki iā ʻoe ke kūʻai i hale me ka ʻole o ka hana. Inā ʻaʻole maopopo ʻoe i nā kikoʻī o kāu kūlana kālā, e noʻonoʻo e nīnau i kahi kākāʻōlelo kālā.

ʻO ka pane maʻalahi i kēia nīnau he "ʻaʻole" no ka mea e koi ana nā mea hāʻawi kālā iā ʻoe e loaʻa ka loaʻa kālā hōʻoia. ʻO ka loaʻa ʻana o ka loaʻa kālā ma ke ʻano o ka W-2 o kahi limahana ke ala maʻalahi loa e hiki ai i kahi moraki. ʻAʻole manaʻo ka nui o nā mea hāʻawi kālā e hāʻawi iā ʻoe i kahi hōʻaiʻē inā ʻaʻole hiki iā ʻoe ke hāʻawi i ka loaʻa kālā hōʻoia o kēia ʻano.

Eia naʻe, hiki ke loaʻa ka moraki ma ke ʻano maʻamau. E noʻonoʻo kekahi poʻe hāʻawi kālā i nā kālā ʻē aʻe inā he mea nui ia e uhi i nā uku o kēlā me kēia mahina i ka mea a lākou e hāʻawi ai iā ʻoe. ʻO ka maʻamau, inā hiki iā ʻoe ke hōʻike iā ʻoe he loaʻa kālā ʻē aʻe ma mua o kahi hana e uku ana i kahi W2, pono ʻoe e hōʻike i ka nui o ka loaʻa kālā ma nā hoʻihoʻi ʻauhau mua.

Hiki iaʻu ke loaʻa kahi moraki me ka ʻole o kahi hana ma UK?

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.