Hāʻawi ʻia ka hoʻokaʻawale ʻana i ka moraki
Inā he mea ʻae ʻia ʻoe ma ka waihona kāleka hōʻaiʻē a kekahi, no ka laʻana, he hoa kāne a hoa paha, ʻaʻole hiki i ka hui kāleka hōʻaiʻē ke noi iā ʻoe e uku i nā aie kāleka. ʻO kēia ke kuleana mau o ka mea paʻa kāleka mua.
Inā ʻoe ma lalo o 18, hiki iā ʻoe ke kuleana no kahi ʻaiʻē inā he mea āu e pono ai i kēlā me kēia lā. No ka laʻana, he aelike kelepona paʻa lima, lole a meaʻai paha. Inā ʻoe ma lalo o 18 mau makahiki a ʻaʻole maopopo ʻoe inā he kuleana ʻoe no kahi ʻaiʻē, e kelepona i ka lawelawe kamaʻāina kokoke loa.
Inā ʻoe e pili ana i ka ʻaiʻē o kekahi i hala, pono ʻoe e hahai i ke kaʻina hana kūpono. Inā ʻaʻole ʻoe, hiki iā ʻoe ke kuleana no kā lākou ʻaiʻē. ʻAʻole ʻoe e kuleana no ka ʻaiʻē o ka mea i make inā ʻo ʻoe kā lākou kāne, wahine a hoa pili kānāwai, a i ʻole e noho pū me lākou.
Inā loaʻa iā ʻoe kahi moraki, hōʻaiʻē, a ʻaiʻē paha, loaʻa paha iā ʻoe ka Payment Protection Insurance (PPI). Inā ʻoe e hana, hiki i ka hui ʻinikua ke uhi i kāu aie inā loaʻa ʻoe i ka maʻi, nalowale kāu hana, a i ʻole he ulia pōpilikia. E nānā i kāu ʻaelike hōʻaiʻē a i ʻole ka moraki e ʻike inā he PPI kāu.
Kanawai lawa ole moraki
I kekahi mau kūlana i hoʻihoʻi ʻia kou home, a i ʻole ua hoʻihoʻi ʻia nā kī i kāu mea hōʻaiʻē moraki, hiki iā lākou ke haʻi iā ʻoe ma hope he ʻaiʻē ʻoe. Hana ʻia kēia inā ʻaʻole lawa ka nui o ke kūʻai ʻia ʻana o kou home e uku ai i ka moraki a me nā hōʻaiʻē paʻa.
Hoʻonohonoho ka Statute of Limitations of 1980 i nā lula no ka lōʻihi o ka hana ʻana o ka mea ʻaiʻē (ka mea āu i ʻaiʻē ai) i kekahi mau hana e kūʻē iā ʻoe e hoʻihoʻi i kahi aie. He mea nui ke kauā aie o nā palena. ʻO ke kumu inā ua pau ka manawa o ka mea ʻaiʻē, ʻaʻole pono ʻoe e uku i ka aie. Inā, e like me ke kānāwai, ua pau ka manawa o kāu mea ʻaiʻē, ua kuhikuhi ka aie.
I ka wā ma mua, aia kekahi huikau e pili ana i nā hemahema o ka moraki a me ke kānāwai o nā palena. Eia naʻe, ua hoʻoholo ka ʻAha Hoʻopiʻi i kēia manawa e pili ana kēia mau kānāwai palena i nā aie pōkole moraki.
ʻO ke kaulike moraki ke kālā i ʻaiʻē mua ʻia. No kēia ʻāpana o ka ʻaiʻē ma muli o ka pau ʻana o ka moraki, he 12 mau makahiki o ka mea hāʻawi kālā e hele i ka ʻaha e koi iā ia e uku. ʻO kēia ka mea i hoʻokumu ʻia e ka ʻatikala 20 (1) o ke kānāwai palena.
Kaʻina hoʻihoʻi ʻaiʻē
E ʻike i kāu mau koho uku Ma mua o ka pau ʻana o ka hoʻomanawanui ʻana o kāu moraki, pono ʻoe e kelepona i kāu mea lawelawe e hoʻolālā i nā mea e hiki mai ana. Hōʻike kēia wikiō i nā koho maʻamau i loaʻa i ka poʻe hōʻaiʻē mai ka hoʻomanawanui. Inā haʻi wale ʻia ʻoe e pili ana i kahi hoʻihoʻi puʻupuʻu, e nīnau e pili ana i nā koho ʻē aʻe.
Hiki i nā mea hōʻaiʻē ke uku i nā uku lohi ma nā ʻano like ʻole. Eia naʻe, ʻokoʻa ke ʻano o ka uku ʻana ma muli o kāu hōʻaiʻē. ʻAʻole hiki i nā mea hōʻaiʻē a pau ke kūpono i nā koho āpau. Inā hopohopo ʻoe no ka lilo ʻana o kou home, e kelepona i kahi ʻoihana aʻoaʻo hale i ʻae ʻia e HUD. Inā hopohopo ʻoe no ka lilo ʻana o kou home, e kelepona i kahi ʻoihana aʻoaʻo hale i ʻae ʻia e HUD. E ʻimi i kahi kākāʻōlelo hale kokoke iā ʻoe a e hoʻomanaʻo he manuahi ke kōkua. ʻAʻole pono ʻoe e uku i kekahi e kōkua iā ʻoe e pale i ka paʻa.
He kūpono paha kēia koho iā ʻoe inā… hiki iā ʻoe ke uku i ka uku ʻoi aku ma mua o kāu uku moraki maʻamau no kekahi mau mahina Pehea e hana ai ʻO kahi hapa o kāu ʻaiʻē e hoʻohui ʻia i ka nui āu e uku ai i kēlā me kēia mahina. E nānā i kahi wikiō e wehewehe ana keia koho
Pehea e uku ai i ka hemahema o ka moraki
ʻO ka pahuhopu o ka hoʻololi ʻana i ka hōʻaiʻē home, ʻo ia ka hōʻemi ʻana i nā uku o ka mea hōʻaiʻē i hiki iā lākou ke uku i kā lākou hōʻaiʻē i kēlā me kēia mahina. Hana ʻia kēia ma ka hoʻohaʻahaʻa ʻana i ka uku paneʻe ma ka moraki a i ʻole ka hoʻonui ʻana i ka manawa uku o ka hōʻaiʻē.
E hoʻomanaʻo i ka hoʻololi ʻana o ka hōʻaiʻē i manaʻo ʻia e ʻoi aku ka maikaʻi o ka moraki mai kēlā me kēia mahina. Akā, pili pinepine ia i ka hoʻonui ʻana i ka manawa o ka hōʻaiʻē a i ʻole ka hoʻohui ʻana i nā uku i hala i ka hōʻaiʻē, hiki ke hoʻonui i ka huina o ka ukupanee i uku ʻia.
Hiki ke hoʻololi i ka hōʻaiʻē mua me ka hōʻaiʻē hou me ka uku haʻahaʻa haʻahaʻa a/a i ʻole ka wā lōʻihi. Hiki i kēia ke hāʻawi i kahi hōʻemi mau i nā uku hōʻaiʻē moraki me ka ʻole o ka hopena maikaʻi ʻole i kāu helu ʻaiʻē.
"Me ka hoʻololi hōʻaiʻē, hana ʻoe me kāu panakō o kēia manawa a mea hāʻawi aku paha e hoʻololi i nā huaʻōlelo o kāu moraki i kēia manawa," wehewehe ʻo David Merritt, he loio hoʻopiʻi kālā mea kūʻai aku me Bernkopf Goodman, LLP.
ʻO ia hoʻi, ʻaʻohe hoʻokūkū maoli ma waena o ka hoʻololi ʻana i ka hōʻaiʻē a me ka hoʻihoʻi ʻana i ka moraki. ʻO ka koho hōʻaiʻē kūpono iā ʻoe e hilinaʻi ʻia i ke kūlana o kāu hōʻaiʻē o kēia manawa, kāu kālā pilikino, a me ka mea a kāu mea hāʻawi kālā e ʻae nei.
