Pehea ka lōʻihi o ka ʻae ʻia ʻana no ka moraki?
Ua kōkua ʻo James Harrison a me kāna hui iā mākou… ʻoiai ʻo ka poʻe kūʻai mua e loaʻa i kahi moraki i ka manawa paʻakikī, i Pepeluali a me Malaki 2022. He alakaʻi ʻike a kōkua ʻo ia, pane pinepine i kā mākou mau nīnau i loko o ka hola. Ua hoʻopaʻa ʻo ia iā mākou i kahi moraki maikaʻi ma ka hale hoʻokipa nani o ke kaona ʻo ia ko mākou home i kēia manawa. Hauʻoli loa! Heluhelu hou aku
ʻOiaʻiʻo, ʻo Brenda, he mea hoʻokele waiwai maikaʻi loa ʻoe a… Ua waiho au i $1,500 a kūʻai aku i loko o kaʻu moʻokāki a aia hoʻi ke loaʻa nei iaʻu he $15,500 i kēlā me kēia pule me ka uku huna ʻole ʻaʻohe uku hoʻihoʻi hauʻoli loa a e hōʻike mau wau iā ia. Mahalo iā Ms. Brenda William, Hoʻokaʻaʻike leka uila: [pale ʻia ka leka uila]: +1 (754) 400-0330heluhelu hou aku
He ʻoihana, kōkua a maikaʻi ʻo James a me kāna hui mai ka hoʻomaka ʻana a i ka pau ʻana, a he mea nui lākou i ke kōkua ʻana iā mākou e hoʻokele i ka honua paʻakikī o ka hoʻolimalima moraki no ko mākou home mua. Ua paʻi lākou i ke kaulike kūpono ma waena o ka hāʻawi ʻana iā mākou i nā koho, a wāwahi iā lākou e kākoʻo iā mākou me nā ʻike āpau a me nā ʻikepili a mākou e pono ai e hoʻoholo i kēlā mau hoʻoholo. Manaʻo nui ʻia! Heluhelu hou aku
ʻO ka ʻōlelo aʻoaʻo kānāwai kūʻokoʻa kokoke iaʻu
Ma hope o ka ʻimi nui ʻana, ua hoʻoholo ʻo ia i kahi keʻena i kūkulu ʻia e kūʻai. Hoʻokumu ʻia kā lākou mau hoʻoholo i ke kumukūʻai, wahi, hoʻomohala, hiki ke loaʻa, ka maikaʻi, ka inoa o ka mea kūkulu hale, etc. ʻO ka mea kūkulu hale, e like me ka mea maʻamau, hoʻohiki i kēlā me kēia mea kūʻai aku i ka mahina a mahalo ʻia ka mea kūʻai aku i nā palapala ʻālohilohi a me nā huaʻōlelo sugary a nā mea i kapa ʻia nā luna kūʻai. No laila hoʻomaka ʻo ia e moeʻuhane e noho i kona home ponoʻī.
Hoʻonohonoho ka mea kūkulu hale i nā huaʻōlelo uku: 20% uku, 70% no nā papa (no kahi hale G+3 maʻamau), 10% ma hope o ke kākau inoa ʻana o ka palapala kūʻai. Ma hope o ka uku ʻana i ka mua (20%), e noi ʻoe no kahi hōʻaiʻē panakō. Inā maikaʻi kāu helu Credit Information Bureau (India) Limited (CIBIL), e loaʻa koke iā ʻoe ka ʻae ʻana i ka hōʻaiʻē, e like me nā mea āpau, nā moʻolelo ʻāina (ʻo ia hoʻi ka palapala kūʻai, nā palapala makuahine, khata, nā loaʻa o nā ʻauhau i uku ʻia, etc. no ka aina) maemae.
ʻAʻole ʻae ka mea kūkulu hale iā ʻoe e hoʻololi i kekahi o nā ʻōlelo a me nā kūlana o ka ʻaelike kūʻai a i ʻole ka ʻaelike kūkulu hale (a i ʻole ka ʻaelike e kūkulu ai). ʻAʻole e pane ka mea kūkulu hale i kekahi nīnau, wehewehe, kānalua, a me nā mea ʻē aʻe, e pane a hāpai ʻia. ʻAʻohe āu koho ma mua o ke kūʻai ʻana a i ʻole e ʻimi i kahi pālahalaha ʻē aʻe. ʻOiai e luhi ʻoe i ka hoʻopau / ʻimi ʻana i kahi pālahalaha, ʻaʻole ʻoe e hakakā me ka mea kūkulu hale - e ʻae ʻoe i nā mea āpau.
Nā ʻōlelo aʻoaʻo kānāwai kūʻokoʻa e pili ana i nā moraki
Hoʻololi ka hoʻololi ʻana i nā hana i ka hiki ke ʻae ʻia no kahi moraki, ʻoiai ʻo ka hapa nui o nā mea hāʻawi kālā e hāʻawi wale iā ʻoe inā ʻoe i kāu ʻoihana no kekahi manawa. Mai ka manaʻo o ka mea hāʻawi kālā, ʻo kāu mōʻaukala hana a me kāu loaʻa kālā ka mea nui i kou hiki ke uku me ka pilikia ʻole kālā. ʻAʻole hiki i ka mea hāʻawi kālā ke hōʻoia i kāu loaʻa kālā e hiki mai ana ma muli o kāu loaʻa kālā i kēia manawa ke hoʻololi ʻoe i nā hana.
Eia kekahi, ʻike ka nui o nā mea hāʻawi kālā i kahi hana hou i ʻoi aku ka palekana ma mua o ka mea i loaʻa iā ʻoe no kekahi manawa. ʻOi aku ka pilikia o ka loaʻa ʻana o kahi hōʻaiʻē home no ka mea hiki iā ʻoe ke hāʻule i hope o kāu uku moraki inā nalowale ʻoe i kāu hana no kēia kumu:
Pono ʻoe e hoʻokō i nā koina ʻae a ka mea hāʻawi aku, e like me kou kūlana hana, makahiki, loaʻa, a me ka helu ʻaiʻē, e manaʻo ʻia he mea hōʻaiʻē haʻahaʻa. ʻO kēlā ʻōlelo, he mea nui nā kikoʻī o kou kūlana.
Eia nō naʻe, pono ʻoe e hoʻolaha i nā mea hāʻawi kālā i ka hiki ke hiki i kāu mau hana hou. E hoʻouna koke i nā palapala pili i ka hana i kāu mea hāʻawi. Inā kau inoa ʻoe i kahi ʻaelike hana hou, e hoʻouna i kāu mea hāʻawi. E akahele i ka hoʻololi ʻana i nā hana ma hope o ka ʻae ʻia ʻana o kāu hōʻaiʻē. ʻO ka manawa pinepine, e hana nā mea hōʻaiʻē i kahi hōʻoia hope e hōʻoia ai ʻaʻole i loli kāu hana a me kāu loaʻa kālā mai ka wā i hoʻopuka ʻia ai ka ʻae ʻana i ka hōʻaiʻē hope.
He manawa lōʻihi ka ʻae ʻana i ka moraki
Pono nā ʻoihana e hoʻopaʻa inoa hou me ka papa inā ʻaʻole lākou i hana no Accord Mortgages i ka hāʻawi ʻana i kahi moraki no nā mahina ʻoi aku ma mua o 12. Hiki iā ʻoe ke nānā inā ua hoʻopaʻa inoa ʻia kāu ʻoihana ma ke ʻano he hana ma kā mākou panel ma o ka hoʻohana ʻana i kā mākou papa hana loiloi pūnaewele.
PII Coverage – Pono ka ʻinikua e hoʻokō i kā mākou mau koi no ka helu palekana kālā haʻahaʻa loa – AM Best B+ a i ʻole Standard and Poor's A – ʻO ka liʻiliʻi loa o £2.000.000 uhi no nā ʻoihana pākahi a me nā hui a laila he £3.000.000 ka liʻiliʻi no nā LLP a me nā hui liʻiliʻi.
Nā Hana Hana: Inā he hihia koʻikoʻi kāu, e ʻoluʻolu e papa inoa a hoʻokomo i ka inoa o kāu mea kūʻai aku a me ka helu hihia (inā ʻike ʻia) ma ka ʻāpana kūpono o ka palapala noi. E kōkua kēia i ka hōʻemi ʻana i ka manawa hana o ka noi a kāu mea kūʻai aku.
I mea e hāʻawi aku ai mākou i ke kālā iā ʻoe, pono ʻoe e hāʻawi iā mākou i nā kikoʻī panakō o kāu moʻokāki mea kūʻai aku. E ʻoluʻolu e haʻi koke mai iā mākou i nā hoʻololi hou i kāu hoʻonohonoho panakō.
