Helu helu moraki
Akā naʻe, ʻaʻole like nā paʻa a pau. ʻO ka ʻoiaʻiʻo, hiki i kekahi ke hōʻino i kāu helu ʻaiʻē a hoʻopilikia i kāu kālā e hiki mai ana. He aha nā hoʻopaʻi hewa iā ʻoe? Eia kekahi mau mea koʻikoʻi e pili ana i nā kāhiko, me nā ʻano mea hoʻonani like ʻole, pehea lākou e pili ai i kāu helu ʻaiʻē, a pehea e hoʻopau ai iā lākou.
Hoʻopaʻa nā Liens i ka mea hiki ke hana me ka waiwai, no ka mea, loaʻa i ka poʻe ʻaiʻē ke kuleana o ka waiwai e hoʻopau i kā lākou ʻaiʻē. Inā ho'āʻo ka mea nāna e kūʻai aku i kahi waiwai ma mua o ka hoʻokuʻu ʻia ʻana o ka lien, hiki i kēia ke hōʻike i nā pilikia, ʻoi aku ka nui inā ʻaʻole i makemake ʻia ka lien.
I ka hihia o ka lien maʻamau, hiki i ka mea ʻaiʻē ke koi i kāu waiwai a pau, e like me kou hale, kāu kaʻa, kāu lako, a me kāu mau waihona kālā. Inā ʻaʻole i uku ʻia, he kuleana ākea ko ka ʻaiʻē i ka waiwai o ka mea ʻaiʻē.
No ka laʻana, hiki i ka Internal Revenue Service (IRS) ke kau i kahi lien ma kou home inā loaʻa iā ʻoe nā ʻauhau federal i uku ʻole ʻia. ʻO ka mua, e haʻi aku ka ʻoihana iā ʻoe ma ke kākau ʻana i kāu mau kuleana. Inā ʻaʻole ʻoe e pane, a inā ʻaʻole ʻoe e hoʻonohonoho pono e uku i ka aie, hiki i ka IRS ke kau i kahi kuleana ma kou home a i ʻole nā waiwai ʻē aʻe. ʻO ke ala wale nō e hoʻokuʻu ai i kēia ʻano ʻano hoʻopaʻa ʻia ʻo ka uku ʻana i ka ʻaiʻē.
Na wai e uku i nā koina pani no ke kūʻai ʻana i kahi waiwai?
Ke pani ʻia ke kūʻai hale, wehe maʻamau ka mea hāʻawi i kahi moʻokāki e waiho ai i kahi ʻāpana o ka uku hōʻaiʻē o kēlā me kēia mahina e uhi i ke kumukūʻai o nā ʻauhau waiwai, nā uku inikua, a me ka ʻinikua moraki pilikino. ʻO nā lilo ʻē aʻe o kēlā me kēia mahina, e like me ka uku HOA, hiki ke hoʻokomo pū ʻia i loko o ka waihona escrow. I ka pau ʻana, e koi ka hapa nui o nā mea hāʻawi iā ʻoe e uku i ka uku mua o kāu ʻinikua mea hale a i ʻole ma kahi o 10% a 20% o kāu uku makahiki. Hoʻokomo ʻia kēia mau kālā i kāu waihona escrow.
ʻO kahi moʻokāki escrow e kōkua i ka hōʻoia ʻana e uku ʻia nā lilo, e like me nā uku hoʻolimalima home a me nā ʻauhau waiwai, i ka manawa. Na ka mea hāʻawi moraki e waiho i ka nui i loko o ka waihona escrow i kēlā me kēia mahina a laila e uku i ka bila inikua, nā ʻauhau waiwai a, inā pono, i ka bila inikua moraki i ka wā e pono ai.
Inā emi ka uku hoʻohaʻahaʻa ma mua o 20%, makemake paha ka mea hāʻawi iā ʻoe e uku no ka ʻinikua home ma o kahi moʻokāki escrow. E hōʻoia kēia e uku ʻia ka uku inikua i ka manawa i kēlā me kēia mahina me ka hoʻomaha ʻole o ka uhi. He kōkua nō hoʻi i ka pale ʻana i ka hoʻopukapuka kālā o ka mea hāʻawi kālā i kou home.
Wehewehe o na komisina moraki
Ke noʻonoʻo ʻoe i ke kūʻai ʻana i hale ma ka ʻae like ʻana, pono ʻoe e ʻike i nā kumukūʻai e pili ana i ke kūʻai ʻana i ka waiwai a me nā koina o kēlā me kēia mahina āu e uku ai ke neʻe ʻoe i kou home hou.
Ke kūʻai ʻoe i ka home nona kaʻana like, pono ʻoe e uku i kahi waihona. ʻO kēia ka nui āu e uku ai no ke kumukūʻai o ke kumukūʻai āu e kūʻai nei i ka manawa kūʻai. ʻO ka nui e koi ʻia no kahi waihona e ʻokoʻa ia mai ka waiwai a i ka waiwai, akā ʻo ka waihona kuleana kuleana maʻamau ʻo 5% a i ʻole 10% o ka ʻāpana āu e kūʻai nei.
Ma ke ʻano he mea kūʻai mua, i ke kūʻai ʻana i kahi waiwai kaʻana e loaʻa iā ʻoe ke koho o ka uku ʻana i ke dute stamp ma ke kumukūʻai piha o ka waiwai me he mea lā e kūʻai pololei ana ʻoe. ʻO ka pōʻino ke kumu kūʻai mua, ʻoiai ʻo ka pōmaikaʻi ʻaʻole ʻoe e uku hou i ka ʻauhau palapala, ʻoiai inā kūʻai ʻoe i ka waiwai holoʻokoʻa ma hope ma ke kumu kūʻai kiʻekiʻe.
Hiki iā ʻoe ke koho e uku i ka ʻauhau palapala ma ka ʻāpana āu e kūʻai ai, ʻoi aku paha ia ma mua o ka nui i ʻae ʻia no nā mea kūʻai mua. Loaʻa paha kahi ʻauhau palapala hoʻolimalima e uku ʻia i ka manawa o ka hoʻolimalima (lease premium), i kapa ʻia ʻo "net present value". ʻO ka pōmaikaʻi,ʻo ka hoʻemiʻiaʻana o nā kumukūʻai i ka manawa kūʻai, aʻo ka hemahema,ʻo ka nui o ke kumukūʻai hiki ke kiʻekiʻe i ka wā i loaʻa ai ka 80% aʻoi aʻe paha o ka waiwai.
Uku o ka palapala moraki
Ua laikini ʻia kēia hoʻolaha ma lalo o nā ʻōlelo o ka Open Government License v3.0, koe wale nō kahi i ʻike ʻia. No ka ʻike ʻana i kēia laikini e kipa i ka nationalarchives.gov.uk/doc/open-government-licence/version/3 a i ʻole e kākau i ka Pūʻulu Kūlana ʻIke, The National Archives, Kew, London TW9 4DU, a i ʻole leka uila: [pale ʻia ka leka uila].
ʻOiaʻiʻo, ʻaʻole ia he moena rosa no nā mea a pau, a ʻaʻole mākou makemake e komo ʻoe i loko o nā haʻalulu maikaʻi ʻole. Ke alakaʻi nei kēia puke iā ʻoe i kekahi o nā mea nui e noʻonoʻo ai ma mua o kou lawe ʻana i ka lele.
ʻAʻole kūʻai mau ʻia nā pā hale ma ke ʻano he waiwai. Kūʻai pinepine ʻia lākou ma lalo o kahi hoʻolimalima lōʻihi, pinepine no 125 mau makahiki. Hāʻawi kēia iā ʻoe i ke kuleana e noho ma laila i kēlā manawa a kūʻai aku i kēlā me kēia manawa āu e makemake ai. Akā ma ke ʻano maʻalahi, ʻo ka hale a me ka ʻāina e noho ai ke hoʻomau nei ka mea nona ka hale. Inā kūʻai ʻoe i hale paʻa mai kahi ʻaha kūkā, hui hale a i ʻole konohiki ʻē aʻe, nona ka ʻāina a me ka hale, a ʻo lākou kou konohiki.
ʻO kā mākou brochure, Long-Term Tenants: A Guide to Your Rights and Responsibilities, he ʻike hou aku no kēia. Eia hou, e hāʻawi ka Leasing Advice Service iā ʻoe i nā ʻōlelo aʻoaʻo manuahi a me ka ʻike ʻole e pili ana i ke kūʻai ʻana i kahi waiwai hoʻolimalima.
