palena makahiki moraki o 35 makahiki
“Ke noho nei lākou i ko lākou home moeʻuhane, kokoke i ko lākou ʻohana, ua kūkulu lākou i kā lākou waihona hoʻomaha, a ʻaʻole pono lākou e uku i ka moraki i ka wā e noho ana i ka hale. ʻO ia ke kumu i hoʻoholo ai kēia kāne he 62 makahiki e loaʻa kahi moraki i kēia manawa o ko lāua ola,” wahi a Bill Parker, ka mea nāna i hōʻaiʻē nui ma Wallick & Folk Inc. ma Scottsdale, Arizona.
Hiki i nā ʻelemakule ke loaʻa nā hōʻaiʻē home e like me nā mea ʻē aʻe - pili ia i ka loaʻa kālā, ka helu ʻaiʻē, a me ke kālā i loaʻa. Hiki i nā poʻe ʻelemakule ma luna o 90 mau makahiki ke loaʻa kahi moraki inā hoʻokō lākou i nā koi kālā.
ʻO kēlā me kēia kumu, ʻoi aku ka nui o ka poʻe ʻelemakule ma mua o ka hiki ke loaʻa i kahi moraki. Wahi a ka Federal Trade Commission (FTC), pale ʻia ka poʻe kahiko mai ka hoʻokae ʻana i ka wā e loaʻa ai kahi hōʻaiʻē moraki a i ʻole kekahi ʻano hōʻaiʻē e pili ana i ko lākou mau makahiki. ʻO kēia ka Equal Credit Opportunity Act, he kānāwai federal e pale ana i ka poʻe hōʻaiʻē mai ka manaʻoʻiʻo ma muli o ka makahiki, lāhui, kala, hoʻomana, ke kāne, ka lāhui, ke kūlana male, a i ʻole ka loaʻa ʻana o ke kōkua lehulehu.
Hiki iā ʻoe ke loaʻa kahi moraki me kahi penikala ma UK?
Pono ka poʻe ʻelemakule e nānā pono i ka wā e noi ai i kahi hōʻaiʻē home. Pono paha ʻoe e hāʻawi i nā palapala ʻē aʻe e kākoʻo i kāu mau kumuwaiwai like ʻole (nā waihona hoʻomaha, nā pōmaikaʻi Social Security, nā makahiki makahiki, nā penikala, a me nā mea ʻē aʻe).
Nui aʻe paha nā pahu e lele ai. Akā inā pololei kāu kālā pilikino a loaʻa iā ʻoe ke kālā e uku ai i ka moraki i kēlā me kēia mahina, pono ʻoe e ʻae i kahi hōʻaiʻē home hou a i ʻole e hoʻolimalima hou i kou home o kēia manawa.
Inā loaʻa i ka mea hōʻaiʻē ka loaʻa kālā Social Security mai ka moʻolelo hana a kekahi, pono lākou e hāʻawi i ka palapala hōʻaiʻē SSA a me ka hōʻoia o ka loaʻa o kēia manawa, a me ka hōʻoia ʻana e hoʻomau ʻia ka loaʻa kālā no ʻekolu mau makahiki.
Ma keʻano loea, ua like ia me ka moraki kahiko. ʻO ka ʻokoʻa wale nō ke ala e helu ai ka mea hāʻawi moraki i kāu loaʻa kālā kūpono. ʻOiai he koho maikaʻi kēia hōʻaiʻē no ka poʻe hoʻomaha, hiki i kekahi ke kūpono iā ia inā loaʻa iā lākou nā waihona kālā a me nā moʻolelo kūpono.
No ka laʻana, e ʻōlelo mākou he miliona kālā kāu i loko o ka waihona. Na ka mea hāʻawi kālā e puʻunaue i kēia huina me 360 (ka manawa o ka hōʻaiʻē ma ka hapa nui o nā moraki i hoʻopaʻa ʻia) e loaʻa i kahi kālā ma kahi o $2.700 i kēlā me kēia mahina. Hoʻohana ʻia kēia helu e like me kāu kahe kālā o kēlā me kēia mahina no ka hōʻoia ʻana i ka moraki.
ʻO ka makahiki kiʻekiʻe no ka moraki ma UK
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia e ʻōlelo ʻaʻole hiki ke kūʻai aku i kahi waiwai inā ʻoe i ka makahiki hoʻomaha a kokoke paha, akā he mea nui e hoʻomaopopo i ka hopena o ka makahiki i nā 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.
ʻEhia makahiki hiki iaʻu ke loaʻa i kahi moraki?
Mai hopohopo e pili ana i ka mea hāʻawi. Hoʻohana ʻia kekahi lula o ke koʻokoʻo, me ka nānā ʻole i ka makahiki: Inā ʻaʻole i ʻoi aku kāu uku moraki ma mua o 45% o kāu loaʻa kālā nui, pono e loaʻa iā ʻoe. A no ka loaʻa ʻana mai o ka Social Security a me ka penikala - ʻo ka mea hope a hiki i ka palena hōʻoia federal o $4653,41 i ka mahina no 2012 - ʻo ia ka mea kokoke loa i kahi mea paʻa i kēia mau lā, pono e ʻoi aku ka ʻoluʻolu o ka mea hāʻawi. pau koke i kēlā me kēia manawa.
Ua hiki mai paha iaʻu i ke kūlana like. Ua loaʻa iaʻu me kaʻu wahine he moraki 7/1 i hoʻopaʻa i ka uku paneʻe no nā makahiki ʻehiku a laila neʻe aku i kahi uku hoʻololi, ʻo ia kā mākou i kēia manawa. No laila ua noʻonoʻo mākou i kahi neʻe i kahi makahiki 30 i hoʻopaʻa ʻia. ʻO kaʻoiaʻiʻo, ʻaʻole i loaʻa iaʻu ka makahiki, akā manaʻo wau ma muli paha o koʻu ʻano ʻole.
Ke noʻonoʻo wau i nā koho moraki, ʻo ka mea nui ka lōʻihi o ko mākou manaʻo e noho i ko mākou home i kēia manawa. A ʻo ia ke kumu ʻaʻole wau i noi no kahi hoʻolimalima kālā paʻa 30 makahiki no kahi $300.000 i waiho ʻia ma kā mākou moraki.
