Pehea ka lōʻihi o ka hoʻopaʻa ʻana i ka hale?
E nānā i kāu mau ʻaelike hōʻaiʻē a pau e ʻike inā he "paʻa ʻole" a i ʻole "palekana" ma kou home. Inā mālama ʻia lākou, pono ʻoe e mālama iā lākou ma ke ʻano he aie mua no ka mea hiki i nā mea hāʻawi kālā ke hoʻopiʻi i ka ʻaha no ka loaʻa ʻana o kou home inā ʻaʻole ʻoe e uku.
Hoʻoponopono ʻia ka hapa nui o nā mea hāʻawi kālā e ka Financial Conduct Authority (FCA). Ma mua o ʻApelila 1, 2013, ua ʻike ʻia ka FCA ʻo ka Financial Services Authority (FSA). 'Ōlelo nā lula FCA e pono i ka mea hāʻawi kālā ke "hana pololei me ka mea kūʻai aku i ka mea kūʻai ʻole." Aia nā lula FCA i loko o ka moraki a me ka Home Waiwai: Conduct of Business sourcebook (MCOB). Ua helu ʻia kēia mau maʻamau ma hope o kēia pepa ʻike.
Inā ua ʻike ʻoe i ka hoʻopau ʻana i ka pilina, pono paha ʻoe e ʻōlelo hou aku. Hiki ke paʻakikī ka hana ʻana me ka mea hāʻawi kālā a me ka noi ʻana i nā pōmaikaʻi ma hope o ka hemo ʻana o ka pilina. No ka laʻana, inā helu ʻia kāu hoa ma ka moraki, makemake paha ka mea hāʻawi i ka ʻike e pili ana iā ia ma mua o ka ʻae ʻana i kahi hoʻolālā uku hou. E kelepona iā Shelter a i ʻole iā mākou no ka ʻōlelo aʻoaʻo. E ʻike i nā Contacts Helpful ma ka hope o kēia pepa ʻike.
Hiki i ka panakō ke ʻae i ka uku i ka wā paʻa?
ʻO ka ʻulaʻula a me ke keʻokeʻo “Foreclosure, House For Sale” i mua o ka hale pōhaku a me ka hale lāʻau e ... [+] e pani ʻia ana e kahi hui kālā. Hōʻike ka mauʻu ʻōmaʻomaʻo a me nā lāʻau i ke kau o ke kauwela a i ʻole ke kauwela. ʻO ka lanai mua a me nā puka makani ma hope. Nā manaʻo o ke kaumaha o ka hoʻokele waiwai, ka emi ʻana a me ka banekorupa.
ʻO ka moraki kahi ʻaelike e uku i ka mea hāʻawi aku no ka hāʻawi ʻana iā ʻoe i ke kālā āu i kūʻai ai i ka hale. Ma ke kau inoa ʻana i nā palapala moraki i ka pau ʻana, ʻae ʻoe e uku i ka mea hāʻawi i kekahi kālā i kēlā me kēia mahina no kekahi mau makahiki.
Ke hōʻole ʻoe i kāu moraki, ke uhae nei ʻoe i nā ʻōlelo o ia ʻaelike a he kuleana ko kāu mea hāʻawi e hoʻopiʻi. I kēia hihia, ʻo ia ke kuleana e hoʻopaʻa i kou home e hoʻāʻo e hoʻihoʻi i kāu hoʻopukapuka.
Pono e hoʻomaopopo ʻia ua hoʻokuʻu kekahi mau mea hōʻaiʻē i nā hana foreclosure ma muli o ka Coronavirus. Eia naʻe, he manawa pōkole wale nō kēlā mau hoʻomaha. Inā ho'ōki ʻoe i ka uku ʻana i kāu moraki, hiki ke hoʻopaʻa ʻia.
4 mahina hope o ka uku moraki
Ke kūʻai ʻoe i hale, manaʻo ʻoe e holo mālie nā mea a pau, akā ke kau nei ke ola iā mākou i kahi kūlana paʻakikī i kēlā me kēia manawa. ʻO ke kī ʻaʻole e hopohopo inā e holo ʻoe i nā pilikia kālā. Inā ʻike ʻoe e lohi ana ʻoe a pilikia paha ʻoe i ka uku ʻana i ka moraki, e hoʻokaʻaʻike koke i kāu mea lawelawe hōʻaiʻē. Hiki iā lākou ke kōkua iā ʻoe e hana i nā hoʻonohonoho ʻē aʻe, e like me ka hoʻolālā uku a i ʻole ka hoʻihoʻi kālā.
Inā loaʻa iā ʻoe kahi moraki maʻamau, ʻo ka manawa maʻamau kāu uku i ka lā mua o ka mahina, ke ʻole ʻoe i koho i kahi hoʻolālā uku ʻelua pule a i ʻole e hoʻokaʻawale i kāu mau lilo, e hiki ai iā ʻoe ke uku i ka lā 1 a me 15. Eia naʻe, ke kūlana ʻoihana. he manawa lōʻihi kāu e uku ai me ka loaʻa ʻole o ka hoʻopaʻi; ʻike ʻia kēia ʻo ka manawa aloha.
ʻOkoʻa ka nui o ka manawa e ka mea hāʻawi kālā a me nā kumu ʻē aʻe, akā i ka hapa nui o nā kūlana, ʻae ka mea hāʻawi i ka mea ʻaiʻē i 15 mau lā mai ka lā i kau ʻia. No laila, inā e uku mau ʻia kāu moraki i ka lā 1 o ka mahina, e loaʻa iā ʻoe a hiki i ka lā 16 e uku i ka uku moraki lohi me ka ʻole o ka hoʻopaʻi. I kekahi mau hihia, hiki i ka lā hope ke hāʻule i ka hopena pule, no laila pono e uku ʻia ma ka lā ʻoihana mua ma hope.
Hiki i nā panakō ke pani i ka wā covid-19
Ke neʻe nei ʻoe i ka ʻona home, hopohopo paha ʻoe i ka mea e hana ai inā pilikia ʻoe i ka uku ʻana i kāu moraki. Inā ʻike ʻoe iā ʻoe iho i loko o ka pilikia kālā ma ke ʻano he mea nona ka hale, a i ʻole e ʻike mua paha i ka hiki, ʻo kekahi o kāu mau hana mua e kāhea aku i kāu mea hāʻawi. ʻO nā keʻena Federal e like me ka Consumer Financial Protection Bureau, nā keʻena ʻōlelo aʻoaʻo waiwai ʻole e like me ka National Foundation for Credit Counseling®, a me nā hui ʻoihana lawelawe kālā i kūkulu i nā alakaʻi no ka poʻe hāʻawi moraki e kōkua i ka poʻe nona ka home e pilikia ana i ka uku ʻana i kā lākou moraki. Hāʻawi kēia mau lula iā ʻoe i ke komo ʻana i nā mea hana a me nā polokalamu e hiki ke kōkua iā ʻoe e pale i ka paʻa. ʻO ka hoʻopaʻa ʻana ʻo ia hoʻi ʻaʻole hiki iā ʻoe ke mālama i kāu mau uku moraki a ma muli o ka hopena, ua lawe kāu mea ʻaiʻē moraki i kāu waiwai; paʻa ka paʻa ʻana ma kāu hōʻike hōʻaiʻē no ʻehiku a ʻumi makahiki.
Inā makemake ʻoe, hiki iā ʻoe ke kiʻi i ka ʻōlelo aʻoaʻo loea mai kahi kākāʻōlelo hale i ʻae ʻia e ka US Department of Housing and Urban Development. Hiki iā ʻoe ke loaʻa kahi kākāʻōlelo ma kou wahi ma ke kipa ʻana iā consumerfinance.gov a i ʻole ke kelepona ʻana i ka Homeownership Preservation Foundation's Foreclosure Prevention Helpline ma 888-995-HOPE (4673).
