Inā emi kaʻu ʻauhau waiwai, e iho anei kaʻu uku moraki?
Hoʻouna pinepine ʻia nā invoice a hoʻouna ʻia ma kā mākou pūnaewele ma kahi o hoʻokahi mahina ma mua o ka pau ʻana o kāu ʻauhau. ʻAʻole mākou e hoʻouna iā ʻoe i kahi bila ʻauhau waiwai inā uku ʻia kāu ʻauhau waiwai ma o ka panakō a mea lawelawe moraki a i ʻole he koena koena.
ʻIke ʻIke Uku Inā uku ʻoe i kāu ʻauhau waiwai ponoʻī, paipai mākou iā ʻoe e uku ma ka uila e hōʻemi i ka hewa. Inā makemake ʻoe e uku ma ka leka uila, hiki iā ʻoe ke leka i kāu uku me ka hoʻohana ʻana i ka coupon mai kāu bila ʻauhau waiwai. E ʻoluʻolu e kākau i kāu helu moʻokāki, ʻo ia kou kaona, ka poloka, a me ka helu ʻāpana, ma nā uku āu e leka uila mai ai iā mākou me ka manawa ʻauhau kahi e uku ʻia ai ka uku. Hiki ke hoʻokaʻawale ʻia ka ʻauhau waiwai ma kekahi o kā mākou mau ʻoihana ʻoihana. E loaʻa iā ʻoe ka uku hoʻemi inā ʻoe e uku i kāu ʻauhau waiwai no ka makahiki ʻauhau holoʻokoʻa ma mua. ʻO kēia ka nui i hōʻike ʻia ma ka laina "All You Owe". Inā uku ka panakō a mea ʻaiʻē moraki paha i kāu ʻauhau waiwai, ʻaʻole ʻoe e loaʻa i kahi bila ʻauhau waiwai ma ka leka uila ke ʻole ʻoe ke kuleana e uku i nā uku ʻē aʻe, e like me ka pilikia a i ʻole. hooponopono alanui. ʻAʻole i hoʻokomo pinepine ʻia nā uku ʻauhau waiwai ʻole i ka uku i hana ʻia e kāu panakō a hui moraki paha; pono ʻoe e uku iā lākou. ʻOiai inā ʻaʻole mākou i hoʻouna aku iā ʻoe i kāu bila ʻauhau waiwai, hiki iā ʻoe ke hoʻoiho i kēia mau manawa. Inā manaʻo ʻoe ua uku ʻia ka "Previous Balance" ma ka bila, akā ʻaʻole i uku ʻia, e ʻoluʻolu e kelepona iā 311 a i ʻole leka uila i nā nīnau ʻauhau ʻauhau waiwai. Inā he hewa, e hoʻoponopono mākou i nā moʻolelo.
Hiki iaʻu ke hoʻopiʻi i kaʻu hui moraki no ka uku ʻole ʻana i kaʻu ʻinikua?
Nui nā kumu e loli ai kāu uku mahina. Loaʻa i kāu uku mahina kāu uku moraki, ʻo ia hoʻi ke kumupaʻa a me ka ukupanee, a me nā ʻauhau waiwai a me ka ʻinikua o ka mea hale. E like paha kāu uku moraki, akā ʻokoʻa paha kāu uku o kēlā me kēia mahina. Ma lalo, e nānā mākou i nā mea e hoʻopili ai i ka ʻauhau a me ka ʻinikua a wehewehe i ka hopena o kēia mau mea i kāu uku mahina.
Ke noi ʻoe no ka ʻae mua ʻana i ka moraki, e manaʻo ʻoe a me kāu mea nāna e hāʻawi aku i kāu uku o kēlā me kēia mahina, me ke kumupaʻa a me ka ukupanee, a me kāu uku escrow mahina i manaʻo ʻia (e pili ana i ka ʻauhau waiwai a me ka ʻinikua o nā mea hale), e pili ana i kahi home maʻamau i loko. kahi āu e makemake ai e kūʻai.
Pono ʻoe e hoʻomanaʻo ʻo ia wale nō kēia kuhi: he kuhi. Hiki ke hoʻokumu ʻia ma kahi ʻāpana i ka mea i uku ʻia e ka mea nona mua i ka ʻauhau a me ka ʻinikua a i ʻole nā ʻauhau ma ia wahi. ʻAʻole e hoʻoholo ʻia ka nui maoli o nā ʻauhau a hiki i kou hoʻoholo ʻana i ka home āu e makemake ai, a ʻaʻole e helu ʻia ka ʻinikua a hiki i kou koho ʻana i kahi hui a me nā kulekele i kūpono iā ʻoe.
Aia nā ʻauhau kula i loko o ka moraki?
Hoʻomaka ka hilinaʻi i ke kūʻai ʻana i hale me ka ʻike i ka mea e manaʻo ai. No ke kōkua ʻana iā ʻoe e hoʻomaopopo i ke kaʻina o ka loaʻa ʻana o kahi hōʻaiʻē home, ua hui mākou i kahi ʻike wikiwiki. E hoʻomaka me ka prequalification, e hahai i nā ʻanuʻu, a koke ʻoe e kau inoa i nā pepa i ka pau ʻana. ʻO kēia ka mea āu e manaʻo ai.
ʻO ka LTV ke kū nei no ka loan-to-value a, i ka hihia o nā moraki, ʻo ia ka nui o kāu hōʻaiʻē e hoʻohālikelike ʻia me ka waiwai o ka waiwai āu e kūʻai nei. E ʻike ʻoe ma ke ʻano he pākēneka. No ka helu ʻana i ka ratio loan-to-value, pono ʻoe e puʻunaue mua i ka nui o ka moraki me ka waiwai o ka home. A laila e hoʻonui i ka pane me ka 100. He mea nui kēia helu i ka poʻe hāʻawi kālā no ka mea e kōkua iā lākou e hoʻomaopopo i ka pilikia e pili ana i ka hōʻaiʻē a lākou e hana nei. Ma ke ʻano he mea hōʻaiʻē, he mea koʻikoʻi ka ratio loan-to-value iā ʻoe no ka mea e pili ana i ka uku ukupanee āu e uku ai ma kāu hōʻaiʻē. ʻO ka haʻahaʻa o ka ratio loan-to-value, ʻoi aku ka liʻiliʻi o ka mea nāna e hāʻawi aku i ka moraki. ʻO ia ka unuhi ʻana i ka uku panee haʻahaʻa. ʻOiaʻiʻo, ʻoiaʻiʻo nō hoʻi ka mea kūʻē. ʻO ka lakio loan-to-value kiʻekiʻe, ʻo ia ka mea e lawe ai ka mea hāʻawi i ka pilikia a hiki iā ia ke uku i ka uku panee kiʻekiʻe ma ka hoʻihoʻi.
Ke uku nei ka'u hui moraki i ka auhau waiwai?
ʻO nā ʻauhau nā loiloi waiwai i ʻohi ʻia e ke aupuni kūloko. ʻOhi maʻamau ka poʻe hāʻawi kālā i kahi ʻāpana o kēia mau ʻauhau me kēlā me kēia uku moraki a paʻa i ke kālā i loko o kahi moʻokāki, i kapa ʻia ʻo escrow account, a hiki i ka wā e pau ai.
'O ka 'inikua o ka mea hale he ho'omalu kālā koi 'oe e mālama i ka wā i poino kou waiwai i ke ahi, ka makani, ka 'aihue, a me nā pilikia 'ē a'e. Ma muli o kou wahi ʻāina, pono paha ʻoe e kūʻai i ka ʻinikua wai hou.
Mālama ka ʻinikua moraki i kāu mea hāʻawi inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki. ʻO ka pono o ka ʻinikua moraki e hilinaʻi maʻamau i ka nui o ka uku mua a me nā kūlana ʻē aʻe.
