Ua kala ʻia ka moraki home ke make kekahi?
ʻAʻole maʻalahi ka hoʻoponopono ʻana i ke ola ma hope o ka make ʻana o kāu hoa kāne a i ʻole hoa. Ma waena o ka ʻeha a me nā mea āpau āu i manaʻo koke ai ke kuleana, hiki ke manaʻo nui. No ke kōkua ʻana iā ʻoe e hoʻoponopono i kēia kūlana hou, e ʻike i kekahi o nā kālā koʻikoʻi āu e noʻonoʻo ai a mālama.
Inā mālama kāu hoa hope i nā bila, he mea nui e lawe koke ʻoe i kēia hana. A i ʻole, hiki iā ʻoe ke loaʻa iā ʻoe iho me nā uku kiʻekiʻe o nā uku lohi, a i ʻole ohi ʻaiʻē no ka uku ʻole.
ʻO ka mea maʻamau, ʻo ka moraki kekahi o nā aie mua i uku ʻia me ka hoʻoilina. A i ʻole ka ʻinikua ola a i ʻole ka palekana uku moraki i lawe ʻia e kāu hoa i ka wā i pūlima ʻia ai ka moraki.
He aha nā hoʻoilina e ʻike e pili ana i nā moraki hoʻohuli i ka wā
Hiki i nā mea hale nona nā makahiki he 62 a ʻoi aku ke hoʻohana i ka moraki hoʻohuli e kūkulu i ke kaulike ma ko lākou home me ka ʻole e kūʻai aku a i ʻole e uku i kēlā me kēia mahina. Hāʻawi ka mea hāʻawi kālā iā ʻoe i mua o ka waiwai o kou home, e uku ana iā ʻoe i ka huina kālā, nā uku mahina, a i ʻole kahi laina o ka hōʻaiʻē. I ka wā o ka hōʻaiʻē, piʻi ka ʻaiʻē, emi ka waiwai o ka home, a hōʻiliʻili ka ukupanee a me nā uku.
ʻAʻole like me ka moraki kuʻuna (a i ʻole ka huaʻōlelo), ʻaʻole pono ka hōʻaiʻē a kūʻai aku ʻoe i ka hale, neʻe, hāʻule ma hope o nā kumukūʻai waiwai, a make paha. Inā make kāu wahine me ka moraki hoʻohuli, e hilinaʻi ʻia nā ʻanuʻu aʻe inā he hoa hōʻaiʻē ʻoe ma ka hōʻaiʻē a i ʻole he hoa hōʻaiʻē ʻole a i ʻole.
ʻO nā moraki hoʻohuli a pau he Home Equity Conversion Mortgages (HECMs), i hoʻopaʻa ʻia e ka Federal Housing Administration (FHA) a hāʻawi ʻia e nā mea hāʻawi kālā i kākoʻo ʻia e FHA. Pili nā lula i wehewehe ʻia ma ʻaneʻi i nā HECM, no laila inā he ʻano hōʻaiʻē ʻē aʻe kāu, ʻaʻole pili kēia mau pale. E noʻonoʻo i kāu ʻaelike hoʻihoʻi moraki a nīnau i kekahi loio akamai inā he nīnau a hopohopo paha kāu.
He aha ka hopena i kāu aie ke make ʻoe?
No ka mea he ʻokoʻa nā lula o kēlā me kēia mokuʻāina e pili ana i ke ʻano o ka hoʻoili ʻia ʻana o ka inoa, inā ma ka palapala kauoha a i ʻole ka palapala hoʻopaʻi, he mea nui e kamaʻilio me kahi loio a hoʻoholo i nā kānāwai o kou mokuʻāina a me kāu mea e pono ai e hana ma muli o ke ʻano āu e makemake ai. paʻa i ka inoa.
Inā loaʻa iā ʻoe kahi hoa noho ola, ʻae ke kānāwai federal iā ʻoe e lawe i ka moraki, ma mua o ka uku ʻana i ke koena piha i ka hui moraki, ʻoiai hiki iā ʻoe ke hōʻoia i kou hiki ke kālā a me ka hōʻaiʻē.
ʻO nā hoʻoilina ka poʻe e hiki ke loaʻa kālā ma muli o ka palapala kauoha, akā ʻaʻohe mana o ka hoʻoilina a me ke kūʻai ʻana aku i ka waiwai. ʻO ka maʻamau, ʻo kēia poʻe he ʻohana a i ʻole kekahi mea i helu ʻia e ka mea kūʻai aku ma ke ʻano he poʻe pōmaikaʻi ma kahi palapala kauoha.
Hoʻonoho ʻia ka luna hoʻokō e hoʻokele i ka waiwai a e hōʻoia i ka uku ʻia o nā koi a pau nā waiwai i koe i nā hoʻoilina. Ma muli o ka mana o ka mea hoʻokō, hiki iā ia ke kūkākūkā me nā hoʻoilina e pili ana i ka hoʻoilina a i ʻole ke kūʻai ʻana i nā waiwai, akā ʻaʻole pono ʻo ia e hana pēlā. Aia i ka mea hoʻokō ka mana loa e hoʻoholo i nā hoʻoholo hope e pili ana i ka waiwai.
he aha ka hopena o kou hale ke make ʻoe
ʻO ka hoʻomaopopo ʻana i ka hopena o kāu mau aie ke make ʻoe he ʻāpana koʻikoʻi o ka hoʻolālā ʻāina, a ʻaʻole pono ʻoe e waiwai e loaʻa kahi ʻāina. ʻO nā mea a pau āu e ʻaiʻē ai, ʻo ia kou waiwai. No nā kānaka he nui, ʻo ia ka hale me kahi moraki.
ʻO ka ʻaiʻē median pili home no kahi mea hōʻaiʻē 65 a 74 mau makahiki me kahi moraki mua, hōʻaiʻē home equity, a / a i ʻole laina o ka hōʻaiʻē home he $100.000, e like me ka American Housing Survey. United States Census Bureau ma 2019 , nā hualoaʻa hou loa i loaʻa. No ka poʻe nona nā makahiki he 75 a keu, he $75.000.
Hoʻoholo nā kānāwai mokuʻāina a me ke aupuni pekelala i ka hopena o ka home a me ka moraki ke make ka mea nona ka hale. He ʻōlelo nō hoʻi ka mea nona, ʻoiai lākou e hana i kekahi hoʻolālā waiwai maʻamau, e like me ka hana ʻana i kahi palapala kauoha a hilinaʻi paha, koho ʻana i nā mea e loaʻa ana, a me ke kūʻai ʻana paha i kahi kulekele ʻinikua ola.
Ke make ʻoe, lilo kāu mau aie a me nā waiwai āpau - me ka hale - i ʻāpana o kāu waiwai, kahi e hoʻopau ai kekahi. ʻO kahi ʻāpana koʻikoʻi o kēia kaʻina hana ʻo ka lawe ʻana i kahi papa helu o nā mea a pau āu i loaʻa ai a hoʻoholo mua i ka mea e loaʻa i ka mea i waena o nā hoʻoilina a me nā mea ʻaiʻē.
