Pehea e loaʻa ai kahi waihona ma ka hale wikiwiki
ʻO nā koho ʻē aʻe, e like me ka hōʻaiʻē FHA, ka moraki HomeReady a me ka hōʻaiʻē 97 maʻamau, hāʻawi i nā koho uku haʻahaʻa e hoʻomaka ana ma 3% iho. Hoʻopili pinepine ʻia nā kumukūʻai ʻinikua moraki me nā moraki haʻahaʻa a i ʻole iho, akā ʻaʻole i nā manawa a pau.
Inā makemake ʻoe e kūʻai i hale me ke kālā ʻole, ʻelua mau lilo nui āu e pale aku ai: ʻo ka uku haʻahaʻa a me nā koina pani. Hiki paha kēia inā hiki iā ʻoe ke loaʻa kahi moraki hoʻokaʻawale ʻole a/a i ʻole kahi papahana kōkua homebuyer.
ʻElua wale nō papahana hōʻaiʻē hōʻaiʻē nui ʻole: ka hōʻaiʻē USDA a me ka hōʻaiʻē VA. Loaʻa nā mea ʻelua i nā mea kūʻai home mua a hoʻi hou. Akā, loaʻa iā lākou nā koi kūikawā e kūpono ai.
ʻO ka nūhou maikaʻi e pili ana i ka USDA Rural Home Loan, ʻaʻole ia he "hōʻaiʻē kua'āina": hiki nō hoʻi i nā mea kūʻai aku ma nā kaiāulu kūloko. ʻO ka pahuhopu o ka USDA ke kōkua i nā "mea kūʻai hale loaʻa haʻahaʻa" ma ka hapa nui o ʻAmelika Hui Pū ʻIa, me ka ʻole o nā kūlanakauhale nui.
ʻO ka hapa nui o nā poʻe kahiko, nā lālā lawelawe hana hana, a me nā limahana lawelawe i hoʻokuʻu ʻia me ka hanohano e kūpono i ka papahana VA. Eia hou, hiki i nā mea kūʻai hale i noho ma kahi o 6 mau makahiki i ka Reserves a i ʻole National Guard, e like me nā hoa kāne o nā lālā lawelawe i pepehi ʻia ma ka laina o ka hana.
Polokalamu Moraki ʻAʻohe Waihona o ke Aupuni
Ma ka hapanui o nā moraki equity home, uku ʻoe i ka pākēneka o ka waiwai o ka home ma mua (ka waihona), a laila uku ka mea hāʻawi i ke koena (ka moraki). No ka laʻana, no kahi moraki 80%, pono ʻoe e kau i kahi waihona 20%.
Hiki i kāu mea hōʻoia ke waiho i ke kālā i loko o kahi waihona mālama kālā me ka mea hāʻawi moraki, maʻamau 10-20% o ke kumukūʻai o ka home. E noho ana ma laila no kekahi mau makahiki. I kēia manawa, ʻaʻole hiki i ka mea hōʻoia ke hoʻihoʻi i kekahi o ke kālā.
Ke loaʻa iā ʻoe kahi moraki 100%, ʻoi aku ka pilikia o ke komo ʻana i kahi kūlana kaulike maikaʻi ʻole. Inā hiki kēia, hiki iā ia ke hoʻopilikia inā makemake ʻoe e moraki hou a neʻe paha i nā hale. Hiki iā ʻoe ke hoʻopaʻa ʻia i loko o ka uku hoʻololi maʻamau o kāu mea hāʻawi aku a uku ʻoi aku ma mua o kou makemake me kahi hāʻawi hoʻokūkū.
ʻAe, aia kekahi mau mea hoʻolako moraki e ʻae iā ʻoe e loaʻa kahi waihona manawa. ʻO ka maʻamau he 10% o ka waiwai o ka home, pono e hāʻawi ʻia e kahi mea hōʻoia, e like me ka makua a i ʻole ka hoahānau.
Me kahi waiho manawaleʻa, waiho ʻia ke kālā i kahi waihona mālama kūikawā no kahi manawa i hoʻonohonoho ʻia. ʻO ka manawa maʻamau ka mea kūʻai aku e uku i ka nui like o ka hōʻaiʻē i loko o ka waihona mālama.
moraki waiho haahaa
He aha nā koho ʻē aʻe no nā mea hōʻaiʻē moraki? Aia kekahi mau hoʻolālā ʻē aʻe, akā pono ʻoe i kekahi ʻano waihona no lākou: Loaʻa i ke kōkua mai kou ʻohana e kūʻai i hale: nā hopena ʻauhau Inā hoʻoholo kekahi lālā o ka ʻohana e hāʻawi kālā iā ʻoe e kōkua iā ʻoe i kāu waihona, a laila aia kekahi mau hopena ʻauhau noonoo. Hiki ke kōkua nui ka loaʻa ʻana o ke kālā mai kahi ʻohana, akā inā make ʻoe i loko o ʻehiku mau makahiki o ka hāʻawi ʻana i kēlā kālā, hiki iā ʻoe ke kau i ka ʻauhau hoʻoilina. Eia hou, hiki iā ʻoe ke kau i ka ʻauhau kālā ma muli o ke ʻano o ka ʻohi ʻana o ka ʻohana; no ka laʻana, inā ua loaʻa iā ʻoe ma ke kūʻai ʻana i kahi waiwai a i ʻole kahi ʻoihana, hiki ke unuhi ʻia ma ke ʻano he hoʻopau ʻana i nā waiwai. …
Moraki kalepa me ka waiho ole
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho i loaʻa iā ʻoe ke makemake ʻoe e kūʻai i hale me ka ʻole o ka uku. E hōʻike pū mākou iā ʻoe i kekahi mau koho hōʻaiʻē haʻahaʻa haʻahaʻa, a me ka mea hiki iā ʻoe ke hana inā loaʻa kāu helu ʻaiʻē haʻahaʻa.
E like me ka hōʻike ʻana o ka inoa, ʻo kahi moraki uku ʻole he hōʻaiʻē home hiki iā ʻoe ke loaʻa me ka uku ʻole. ʻO ka uku mua ka uku mua i hana ʻia ma ka home a pono e hana ʻia i ka manawa o ka pau ʻana o ka hōʻaiʻē moraki. E helu pinepine nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa ma ke ʻano he pākēneka o ka nui o ka hōʻaiʻē.
No ka laʻana, inā kūʻai ʻoe i hale no $200.000 a loaʻa iā ʻoe he 20% uku, hāʻawi ʻoe i $40.000 i ka pau ʻana. Pono nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa no ka mea, e like me ke kumumanaʻo, ʻoi aku kou makemake e hoʻopaʻa i kahi hōʻaiʻē inā loaʻa iā ʻoe kahi hoʻopukapuka mua ma kou home. ʻO nā uku hoʻohaʻahaʻa he pilikia nui no ka nui o nā mea kūʻai hale, no ka mea hiki i nā makahiki ke mālama i kahi kālā.
ʻO ke ala wale nō e loaʻa ai kahi moraki ma o nā mea kūʻai moraki nui me ka uku ʻole ʻana, ʻo ia ka lawe ʻana i kahi hōʻaiʻē i kākoʻo ʻia e ke aupuni. Hoʻopaʻa ʻia nā hōʻaiʻē kākoʻo aupuni e ke aupuni federal. I nā huaʻōlelo ʻē aʻe, kōkua ke aupuni (me kāu mea hāʻawi kālā) i ka hoʻopaʻa ʻana i ka bila inā ʻaʻole ʻoe i kau i kāu moraki.
