Moraki lua
Loaʻa iaʻu me kaʻu wahine i ka manaʻo maikaʻi loa i ka wā i kūʻai ai mākou i kahi home i hoʻopaʻa ʻia i ka makahiki 2008. Ua hoʻopau mākou a hana i kahi hoʻoponopono hou. ʻO kā mākou pahuhopu, ʻo ia ka hoʻihoʻi kālā ʻana, e hōʻemi ana i ka moraki a me nā aie ʻē aʻe i kahi mea ʻoi aku ka maʻalahi no mākou. Akā, ua paʻa ka recession a ʻaʻole hiki iā mākou ke hoʻolilo hou i kekahi mea.
I ka pau ʻana o 2009, haʻalele wau i koʻu kūlana ma kahi hale pule kūloko. ʻO ka mea pōmaikaʻi, ua loaʻa iaʻu kahi puʻupuʻu hoʻopau i loaʻa ka uku, ka hale, a me nā pōmaikaʻi no ka makahiki holoʻokoʻa o 2010. Ua hana kaʻu wahine i ka hapa manawa no kahi apana kula kūloko, e mālama ana i kahi hale ʻaina kula haʻahaʻa. Akā ua paʻakikī wau i ka loaʻa ʻana o kahi hana ʻē aʻe ma 2010 a me 2011.
Ua ʻike mākou ua hiki mākou i ka hiki ʻole ke uku i ka moraki. No laila ua kelepona pinepine au i kā mākou panakō. I kekahi o na mea nui. Akā ʻaʻole lākou makemake e kōkua iā mākou no ka mea ʻaʻole mākou i paʻa i kēia manawa. Ke hoʻāʻo nei mākou e hana a ʻaʻohe mea makemake e kamaʻilio me mākou.
A laila, loaʻa iā mākou ko mākou ala i kahi kākā'ōlelo hale i hiki ke kōkua iā mākou e loaʻa kahi hoʻololi hōʻaiʻē. Ua hala kēia iā mākou ma mua o ʻelua mau makahiki, ʻo kēlā me kēia minuke mākou i ka palena kālā, ʻaʻole hiki ke hele. He po ia. Akā ʻaʻole mākou e haʻalele. A me he mea lā e maikaʻi ana kāua. Ua hoʻomaka wau e hana me nā ʻōpio a me nā kamaliʻi ma Kitsap Peninsula. Ua makemake au i ka hana. Akā ʻo ka hele ʻana i ka hana i ʻai ola iā mākou. Ma waho aʻe o ka manawa i lawe ʻia ai mākou - he kanalima mile ma ke ala hoʻokahi - ke kumu kūʻai o ka ʻaila a
Pehea e hana ai ka moraki lua?
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
ʻO Thomas J Catalano he CFP a me Registered Investment Advisor ma ka mokuʻāina o South Carolina, kahi i hoʻokumu ai ʻo ia i kāna ʻoihana aʻoaʻo kālā ponoʻī ma 2018. Hāʻawi ka ʻaoʻao ʻo Thomas iā ia i ka loea i nā ʻano like ʻole me ka hoʻopukapuka kālā, hoʻomaha, ʻinikua a me ka hoʻolālā kālā.
ʻO ka moraki ʻelua he ʻano hōʻaiʻē e hiki ai iā ʻoe ke hōʻaiʻē kūʻē i ka waiwai o kou home. He waiwai kou home, a ma ka lōʻihi o ka manawa hiki ke loaʻa ka waiwai i kēlā waiwai. ʻO nā moraki ʻelua, hiki ke lilo i nā laina kaulike o ka home (HELOCs) a i ʻole nā loan home equity, he ala e hoʻohana ai i kēlā waiwai no nā papahana a me nā pahuhopu ʻē aʻe me ka ʻole e kūʻai aku i kou home.
ʻO ka moraki ʻelua he hōʻaiʻē e hoʻohana ana i kou home i mea hōʻaiʻē, e like me ka hōʻaiʻē āu i kūʻai ai i kou home. ʻIke ʻia ka hōʻaiʻē ma ke ʻano he moraki ʻelua no ka mea ʻo kāu hōʻaiʻē kūʻai maʻamau ka hōʻaiʻē mua ma ka laina no ka uku inā hele kou home i ka paʻa.
Nā ʻano moraki ʻelua
Inā loaʻa iā ʻoe ka ʻinikua palekana uku, pono ʻoe e nānā inā hiki iā ʻoe ke hoʻohana ia mea e uku ai i kāu moraki. Hiki ke uhi ʻia inā ua maʻi ʻoe a i ʻole i hala koke nei kāu hana, no ka laʻana.
Na kāu mea hāʻawi kālā e wehewehe i nā ala like ʻole e uku ai i kāu moraki. Inā loaʻa iā ʻoe kekahi kālā i koe i kēlā me kēia mahina ma hope o ka uku ʻana i nā bila koʻikoʻi, hiki iā ʻoe ke manaʻo e hoʻohui i kekahi i kāu mau uku mahina e hiki mai ana.
Inā ʻoi aku ka waiwai o kou home ma mua o ka moraki, hiki i ka mea hāʻawi kālā ke ʻae iā ʻoe e hoʻohui i nā ʻaiʻē i ka huina kālā āu e ʻaiʻē ai a hoʻihoʻi iā lākou i ke ola o ka moraki. ʻO kēia ka mea i kapa ʻia ʻo "capitalizing arrears".
ʻO nā koi moraki ʻelua
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka ʻae ʻole, a e ʻae iā ʻoe e alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
