Hiki ke unuhi ʻia nā lilo loiloi?
Ke kūʻai, kūʻai aku a hoʻihoʻi hou i kahi home, ʻo ka pani ʻana i nā kumukūʻai he ʻāpana pipiʻi ia o ke kālepa. A ʻoiai ʻo ka hapa nui o ka poʻe ʻauhau e lawe i ka unuhi maʻamau ma mua o ka hoʻokaʻawale ʻana i kā lākou ʻauhau kālā e hoʻonui i ka mālama kālā, ʻo ka makahiki āu e kūʻai ai a hoʻihoʻi hou i kahi home he ʻokoʻa paha.
Hiki i nā koina pani ke hopena i nā lilo hiki ke unuhi ʻia i ka ʻauhau ʻaʻole i loaʻa i ka makahiki maʻamau o ka noho ʻana o ka home, a hiki i kēlā mau hoʻolimalima hou ke hoʻokuke iā ʻoe ma luna o ka paepae kahi e manaʻo ai ke kālā e helu.
ʻAʻole hiki ke unuhi ʻia nā koina pani a pau. Ma keʻano laulā, hiki ke unuhi ʻia nā lilo i manaʻo ʻia he ʻauhau a ukupanee paha. Akā, e like me kāu e aʻo ai ma lalo nei, hoʻokaʻawale ka IRS i kekahi mau koina ma ke ʻano he hoihoi ʻaʻole i noʻonoʻo ʻia e ka mea maʻamau. Hiki paha iā ʻoe ke unuhi i nā kumukūʻai pani ʻoi aʻe ma mua o kou manaʻo.
Ma lalo e wehewehe mākou i nā kumukūʻai pani hiki iā ʻoe ke unuhi ma ke kūʻai ʻana i ka home, a me nā manaʻo kūikawā e pili ana i ka nui āu e hiki ai ke unuhi a i ʻole ka makahiki ʻauhau e hiki ai iā ʻoe ke koi i ka unuhi.
ʻO ka mea mua, pono ʻoe e ʻike i nā huina o kēia manawa o ka unuhi maʻamau. No nā ʻauhau ʻauhau 2020 i waiho ʻia ma 2021, ʻo ka unuhi maʻamau he $12.400 no kēlā me kēia kanaka, $18.650 no nā poʻo o nā hale, a me $24.800 no nā kāne male e waiho pū ana a me nā hoa ola.
Nā kiko i uku ʻia no ka moraki
Hiki ke hoʻokaʻawale ʻia ke kaʻina hana mua o ka moraki i mau ʻanuʻu. Hiki ke kapa ʻia ʻo ia ka moraki prequalification a i ʻole ka moraki preauthorization. Loaʻa i nā mea hāʻawi kālā ʻokoʻa nā wehewehe a me nā pae hoʻohālike no kēlā me kēia pae a lākou e hāʻawi ai.
I loko o kēia kaʻina hana, nānā ka mea hāʻawi kālā i kāu kālā e ʻike i ka nui o ka nui e hiki iā lākou ke hāʻawi iā ʻoe a me ka uku ukupanee. Nīnau lākou i ka ʻike pilikino, nā palapala like ʻole, a e holo paha lākou i kahi hōʻaiʻē.
He mea nui e ʻoluʻolu ʻoe me ka mea hāʻawi a me nā koho moraki a lākou e hāʻawi ai iā ʻoe, mai ka hoʻomaka. Inā hoʻololi ʻoe i nā mea hāʻawi kālā ma hope o ke kau inoa ʻana i ka ʻaelike moraki, pono paha ʻoe e uku i ka hoʻopaʻi uku mua. E hoʻomaopopo pono ʻoe i nā ʻōlelo a me nā kūlana o kāu ʻaelike moraki.
Hāʻawi pololei kekahi mau mea hōʻaiʻē i kā lākou huahana i nā mea hōʻaiʻē, ʻoiai e loaʻa ana kekahi mau huahana moraki ma o nā brokers wale nō. No ka loaʻa ʻana o nā brokers i nā mea hāʻawi kālā he nui, hiki iā lākou ke hāʻawi i kahi ākea ākea o nā huahana moraki e koho ai.
ʻAʻole hiki i nā mea hoʻolimalima moraki ke komo i nā mea hāʻawi like. 'O ia ho'i, 'oko'a nā moraki i loa'a mai kekahi 'elele a 'ākena. I ka hana ʻana me kahi mea hoʻolimalima moraki, e nīnau i nā mea hāʻawi kālā a lākou e hana pū ai.
Uku kālā moraki UK
Ma ke koho ʻana e hana pū me kahi mea hoʻolimalima moraki e ʻike i kāu hāʻawi moraki, hiki iā ʻoe ke pōmaikaʻi mai kā lākou ʻike mākeke hohonu, hiki ke kōkua iā ʻoe e ʻike i ka hāʻawi moraki maikaʻi loa e kūpono i kou kūlana kikoʻī.
Inā pono ʻoe e hoʻohana i kahi ʻelele kūikawā ma muli o ka hōʻaiʻē maikaʻi ʻole a i ʻole nā kūlana ʻē aʻe i kūpono ʻole ai nā moraki maʻamau, a inā makemake ʻoe e ʻimi i ka hāʻawi kālā hōʻaiʻē maikaʻi loa, e kōkua kahi ʻelele iā ʻoe e loaʻa.
ʻO nā uku ʻAgent ka mea a lākou e uku ai no ka hoʻokō ʻana i nā kālepa a i ʻole ka hāʻawi ʻana i kā lākou lawelawe. Hoʻolimalima nā Brokers i nā uku no nā lawelawe he nui, e like me nā nīnau, hoʻouna, kūʻai, a me nā kūkākūkā.
Hiki ke ʻokoʻa loa nā kumu kūʻai Broker-to-broker, no laila e nīnau a noiʻi paha i nā kumukūʻai ma mua o ka ʻae ʻana e hoʻohana i kahi moraki, a noi i kā lākou kumukūʻai ma ke kākau ʻana.
ʻAʻole uku kekahi poʻe moraki i kekahi komisina i ka poʻe noi moraki, no ka mea, loaʻa iā lākou kā lākou kālā ma ke kau ʻana i ke komisina i nā mea hōʻaiʻē moraki. ʻO ia ke ʻano o ka loaʻa ʻana o kā lākou lawelawe me ke kumu kūʻai ʻole iā ʻoe, he mea hoʻokipa maikaʻi loa i ka wā e uku ana ʻoe i nā uku kānāwai a me nā koina ʻē aʻe e pili ana i ke kūʻai ʻana i kahi waiwai a neʻe.
Hoemi auhau o na wahi moraki
Ma kāu kūʻai ʻana i ka home, ua hoʻolako nā ʻaoʻao ʻekolu-e like me kāu loio waiwai a me ka mea hāʻawi moraki. ʻO nā koina pani e pili ana i nā uku a kēia poʻe loea (a me nā mea ʻē aʻe) e uku ai no kēia mau lawelawe no ka hoʻopau ʻana i ke kālepa waiwai a me kāu hōʻaiʻē moraki.
ʻO nā kumukūʻai pani maʻamau mai 3% a 6% o ke kumu kūʻai kūʻai o ka home. No laila, inā kūʻai ʻoe i kahi hale $200.000, hiki i kāu mau koina pani ke piʻi mai $6.000 a i $12.000. ʻOkoʻa nā kumukūʻai pani e ka mokuʻāina, ʻano hōʻaiʻē, a me ka mea hāʻawi moraki, no laila he mea nui e nānā pono i kēia mau koina.
Pono ke kānāwai i ka mea hāʻawi kālā e hāʻawi iā ʻoe i kahi koho hōʻaiʻē i loko o ʻekolu mau lā ʻoihana ma hope o ka loaʻa ʻana o kāu palapala moraki. Hōʻike kēia palapala koʻikoʻi i nā kumukūʻai pani a me nā kikoʻī hōʻaiʻē ʻē aʻe. ʻOiai e loli paha kēia mau helu i ka lā pani, ʻaʻohe mea kupanaha.
ʻEkolu mau lā ʻoihana ma mua o ka pani ʻana, pono e hāʻawi ka mea hāʻawi iā ʻoe i kahi palapala ʻike pani. E ʻike ʻoe i kahi kolamu e hōʻike ana i nā kumukūʻai pani mua i manaʻo ʻia a me nā koina pani hope, a me kekahi kolamu e hōʻike ana i ka ʻokoʻa inā piʻi nā kumukūʻai. Inā ʻike ʻoe i nā lilo hou ʻaʻole i helu ʻia ma kāu kuhi hōʻaiʻē kumu a i ʻole e ʻike i nā kumukūʻai pani kiʻekiʻe loa, e nīnau koke i kāu mea hāʻawi a/a i ʻole nā mea kūʻai waiwai no ka wehewehe.
