Hiki i kahi 60 makahiki ke loaʻa i kahi moraki 30 makahiki?
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia no ka ʻōlelo ʻana ʻaʻole hiki ke loaʻa i kahi home inā ʻoe a kokoke paha i ka makahiki hoʻomaha, akā pono e ʻike pehea e pili ai ka makahiki i ka hōʻaiʻē.
ʻOiai ke kau nei nā mea hoʻolako moraki i nā palena makahiki kiʻekiʻe loa, e pili ana kēia i ka mea āu e hoʻokokoke ai. Eia kekahi, aia nā mea hāʻawi kālā i loea i nā huahana moraki kahiko, a eia mākou e kuhikuhi iā ʻoe i ke ala pololei.
E wehewehe kēia alakaʻi i ka hopena o ka makahiki ma nā noi moraki, pehea e loli ai kāu mau koho i ka manawa, a me kahi ʻike o nā huahana moraki hoʻomaha. Loaʻa kā mākou mau alakaʻi no ka hoʻokuʻu kālā a me nā moraki ola no ka ʻike kikoʻī.
Ke ulu nei ʻoe, hoʻomaka ʻoe e hoʻokau i kahi pilikia nui i nā mea hoʻolako moraki maʻamau, no laila hiki ke paʻakikī ke loaʻa i kahi hōʻaiʻē ma hope o ke ola. No ke aha mai? ʻO kēia ma muli o ka hāʻule ʻana o ka loaʻa kālā a i ʻole kou kūlana olakino, a pinepine nā mea ʻelua.
Ma hope o kou hoʻomaha ʻana, ʻaʻole ʻoe e loaʻa hou ka uku maʻamau mai kāu hana. ʻOiai inā loaʻa iā ʻoe kahi penikala e hāʻule hou ai, hiki ke paʻakikī i nā mea hāʻawi kālā ke ʻike pololei i kāu e loaʻa ai. E emi ana paha kāu loaʻa kālā, e pili ana i kou hiki ke uku.
Hiki iaʻu ke loaʻa i kahi moraki i ka makahiki 47?
ʻAe, aia nā moraki i loaʻa no nā mea kūʻai aku ma mua o 60 mau makahiki. Nui nā koho like ʻole, akā e hilinaʻi ʻia ka kūleʻa i nā mea hāʻawi kālā e makemake e hāʻawi iā ʻoe i kahi hōʻaiʻē e pili ana i kou kūlana pilikino a me nā pae hoʻohālike. E ʻimi nā loea moraki o ka Mortgage Advice Bureau ma luna o 90 mau mea hāʻawi kālā e hāʻawi iā ʻoe i ka ʻōlelo aʻoaʻo a me ka huahana.
Inā makemake ʻoe e hōʻaiʻē kālā e hoʻihoʻi piha iā ia, hiki iā ʻoe ke koho i ka lawe ʻana i kahi moraki maʻamau, a he nui nā mea hāʻawi kālā e makemake e hōʻaiʻē inā ʻoe i hoʻomaha. ʻO nā koho ʻē aʻe i loaʻa iā ʻoe he moraki ola, e ʻae iā ʻoe e lawe i kahi hōʻaiʻē a hoʻohui i kekahi a i ʻole ka ukupanee āpau i ka moraki.
Loaʻa i ka hapa nui o nā mea hāʻawi kālā i ko lākou mau makahiki ponoʻī no nā moraki. ʻO ke alakaʻi ma kahi kokoke i ka lawe ʻana i ka moraki ka makahiki kiʻekiʻe loa o 65 a 80 mau makahiki, a ʻo ka palena makahiki no ka hopena o ka moraki ma waena o 70 a 85 mau makahiki.
Hiki iā ʻoe ke piʻi a hiki i 25 mau makahiki ma kahi moraki 60+, akā e hilinaʻi kēia i nā mea hāʻawi kālā a me kā lākou mau pono kūpono kūpono, a me kāu helu ʻaiʻē. Eia hou, hiki i ke kākā'ōlelo moraki ke aʻo iā ʻoe i nā koho i kūpono i kou kūlana.
ʻO ka loea moraki no nā makahiki he 60
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia no ka ʻōlelo ʻana he hiki ʻole ke kūʻai i hale inā aia ʻoe a kokoke i ka makahiki hoʻomaha, akā he manaʻo maikaʻi e ʻike i ka hopena o ka makahiki i kāu noi hōʻaiʻē.
ʻOiai ke kau nei nā mea hoʻolako moraki i nā palena makahiki kiʻekiʻe loa, e pili ana kēia i ka mea āu e hoʻokokoke ai. Eia kekahi, aia nā mea hāʻawi kālā i loea i nā huahana moraki kahiko, a eia mākou e kuhikuhi iā ʻoe i ke ala pololei.
E wehewehe kēia alakaʻi i ka hopena o ka makahiki ma nā noi moraki, pehea e loli ai kāu mau koho i ka manawa, a me kahi ʻike o nā huahana moraki hoʻomaha. Loaʻa kā mākou mau alakaʻi no ka hoʻokuʻu kālā a me nā moraki ola no ka ʻike kikoʻī.
Ke ulu nei ʻoe, hoʻomaka ʻoe e hoʻokau i kahi pilikia nui i nā mea hoʻolako moraki maʻamau, no laila hiki ke paʻakikī ke loaʻa i kahi hōʻaiʻē ma hope o ke ola. No ke aha mai? ʻO kēia ma muli o ka hāʻule ʻana o ka loaʻa kālā a i ʻole kou kūlana olakino, a pinepine nā mea ʻelua.
Ma hope o kou hoʻomaha ʻana, ʻaʻole ʻoe e loaʻa hou ka uku maʻamau mai kāu hana. ʻOiai inā loaʻa iā ʻoe kahi penikala e hāʻule hou ai, hiki ke paʻakikī i nā mea hāʻawi kālā ke ʻike pololei i kāu e loaʻa ai. E emi ana paha kāu loaʻa kālā, e pili ana i kou hiki ke uku.
Hiki iā ʻoe ke loaʻa kahi moraki me kahi penikala ma UK?
Mai ka hoʻokomo ʻia ʻana o ka Mortgage Market Review (MMR) i ka makahiki 2014, ʻoi aku ka paʻakikī o ka noi ʻana i kahi moraki no kekahi: pono nā mea hōʻaiʻē e loiloi i ke kūpono a noʻonoʻo i nā kumu he nui, me ka makahiki.
ʻO ka pahuhopu ka hōʻoia ʻana ʻaʻole loaʻa nā hōʻaiʻē hiki ʻole i ka poʻe e hoʻomaha ana. Ma muli o ka emi ʻana o ka loaʻa kālā o ka poʻe ke hoʻōki lākou i ka hana a hōʻiliʻili i kā lākou penikala, paipai ka Risk Management Regulations i nā mea hāʻawi kālā a me nā mea hōʻaiʻē e uku i nā moraki ma mua o ia manawa. Eia naʻe, ʻaʻole hiki a hana paha kēia no kēlā me kēia kanaka, a ua hoʻohui kekahi mau mea hāʻawi kālā i kēia ma ka hoʻonohonoho ʻana i nā palena makahiki kiʻekiʻe no ka uku moraki. ʻO ka maʻamau, ʻo kēia mau palena makahiki he 70 a i ʻole 75, e waiho ana i nā mea hōʻaiʻē kahiko me nā koho liʻiliʻi.
ʻO ka hopena lua o kēia mau palena makahiki ʻo ia ka pōkole o nā huaʻōlelo, ʻo ia hoʻi, pono e uku wikiwiki ʻia. A ʻo ia hoʻi, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina, hiki ke hoʻolilo iā lākou i mea hiki ʻole. Ua alakaʻi kēia i nā hoʻopiʻi no ka hoʻokae makahiki, ʻoiai nā manaʻo maikaʻi o ka RMM.
I Mei 2018, ua hoʻolaha ʻo Aldermore i kahi moraki hiki iā ʻoe ke loaʻa a hiki i ka makahiki 99 #JusticeFor100yearoldmortgagepayers. I kēlā mahina hoʻokahi, ua hoʻonui ka Family Building Society i kona mau makahiki kiʻekiʻe loa ma ka hopena o ke kau i 95 mau makahiki. ʻO nā mea ʻē aʻe, ʻo ka hapa nui o nā ʻoihana moraki, ua hoʻopau loa i ka makahiki kiʻekiʻe. Eia nō naʻe, ke koi mau nei kekahi mau mea hāʻawi kālā alanui kiʻekiʻe i ka palena o nā makahiki he 70 a i ʻole 75, akā i kēia manawa ua ʻoi aku ka maʻalahi o ka poʻe ʻaiʻē kahiko, ʻoiai ua hoʻonui ʻo Nationwide a me Halifax i nā palena makahiki i 80.
