I ka manawa hea e kūʻai ai au i hale 2022?
I nā makahiki i hala iho nei, ua haʻahaʻa ka uku paneʻe ma nā hōʻaiʻē ma Iapana, ʻo ia ke kumu e noʻonoʻo ai ka poʻe he nui e kūʻai i ka waiwai e hoʻohana i kahi hōʻaiʻē e hana pēlā. ʻOiai hiki i nā haole ke kūʻai i ka waiwai paʻa ma Iapana, ke kānalua nei nā hui kālā o Iapana e hāʻawi i nā hōʻaiʻē i nā haole. No ka loaʻa ʻana o kahi hōʻaiʻē, pono e hoʻokō ʻia kekahi mau koi, ʻoiai ʻokoʻa paha lākou ma muli o ke keʻena.
Ma PLAZA HOMES makemake mākou e hoʻolauna iā ʻoe i nā ʻoihana kālā e hāʻawi ana i nā hōʻaiʻē moraki i nā haole a kākoʻo mākou iā ʻoe mai ka noi hōʻaiʻē a hiki i ka ʻaelike hōʻaiʻē e like me kāu noi a me ka hoʻolālā kālā.
ʻOkoʻa nā koi no ka hōʻaiʻē home e like me kēlā me kēia ʻoihana kālā. Aia ma lalo iho nā koi maʻamau a me kahi hōʻuluʻulu o nā hōʻaiʻē home ma Iapana. Hoʻohana pinepine ʻia kahi hōʻaiʻē home no ka wā i kūʻai ʻia ai kahi home (kahi home āu a me kou ʻohana e hoʻolālā ai e noho ai), hoʻoponopono hou ʻia, a i ʻole ke kālā hou.
Hoʻopili pinepine ʻia nā hōʻaiʻē a hiki i ka 70-80% o ke kumukūʻai kūʻai a hiki i ka 90% o ka waiwai o ka home mai kahi ʻoihana kālā. ʻO ka huina o ka hōʻaiʻē e pono e hoʻihoʻi ʻia i kēlā me kēia makahiki (ratio ʻaiʻē i ka loaʻa kālā) pono i loko o kahi ākea ma waena o 25% a me 35% o ka loaʻa makahiki.
He aha ke ʻano maikaʻi ʻole o ke kūʻai ʻana i hale me ke kālā ma mua o ka moraki?
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu e kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a e ʻae iā ʻoe e noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
Pono au e kūʻai i hale?
ʻO ka mea mua e pono ai ʻoe e noʻonoʻo i ka nui āu e hiki ai ke hoʻolilo. Pono ʻoe e hana i kahi pūlāwai e pili ana i kāu loaʻa kālā a me nā lilo o kēia manawa, a laila e helu i ka nui āu e hiki ai ke uku no ka moraki ma ke ʻano he puka mahina. Inā ʻoe e kūʻai aku me kekahi kanaka ʻē aʻe, pono ʻoe e helu i ke kālā mai kāu loaʻa kālā a me nā lilo.
Ke ʻike ʻoe i ka nui āu e hiki ai ke hōʻaiʻē, pono e hana i kahi kālā hou, ʻoi aku ka ʻike i ka nui o kāu e ola ai ma hope o ka uku ʻana i nā lilo hou i kēlā me kēia mahina. He mea waiwai kēia hoʻolālā ma mua i ka pale ʻana iā ʻoe mai ka ʻaiʻē ma hope.
Hāʻawi kekahi mau ʻoihana moraki i nā mea kūʻai aku me kahi palapala e hōʻike ana e loaʻa ana ka hōʻaiʻē inā ʻoluʻolu ka waiwai. Hiki iā ʻoe ke loaʻa kēia palapala ma mua o kou hoʻomaka ʻana e ʻimi i kahi home. Ke ʻōlelo nei nā hui moraki hiki i kēia palapala hōʻoia ke kōkua i ka mea kūʻai aku e ʻae i kāu hāʻawi, no ka mea, hāʻawi ia iā ʻoe i ka ʻoiaʻiʻo e loaʻa nā kālā. ʻIke hou aku e pili ana i nā moraki a me nā hōʻaiʻē paʻa.
I ka makahiki hea e kūʻai ai au i hale?
ʻO nā koho ʻē aʻe, e like me ka hōʻaiʻē FHA, ka moraki HomeReady, a me ka hōʻaiʻē 97 maʻamau, hāʻawi i nā koho uku haʻahaʻa e hoʻomaka ana ma 3% iho. Hoʻopili pinepine ʻia nā uku ʻinikua moraki me nā uku haʻahaʻa a ʻaʻole ʻole, akā ʻaʻole i nā manawa a pau.
Inā makemake ʻoe e kūʻai i hale me ke kālā ʻole, ʻelua mau lilo nui āu e pale aku ai: ʻo ka uku haʻahaʻa a me nā koina pani. Hiki paha kēia inā hiki iā ʻoe ke loaʻa kahi moraki hoʻokaʻawale ʻole a/a i kahi papahana kōkua kūʻai home.
ʻElua wale nō papahana hōʻaiʻē hōʻaiʻē nui ʻole: ka hōʻaiʻē USDA a me ka hōʻaiʻē VA. Loaʻa nā mea ʻelua i nā mea kūʻai home mua a hoʻi hou. Akā, loaʻa iā lākou nā koi kūikawā e kūpono ai.
ʻO ka nūhou maikaʻi e pili ana i ka USDA Rural Home Loan, ʻaʻole ia he "hōʻaiʻē kua'āina": hiki nō hoʻi i nā mea kūʻai aku ma nā kaiāulu kūloko. ʻO ka pahuhopu o ka USDA ke kōkua i nā "mea kūʻai hale loaʻa haʻahaʻa" ma ka hapa nui o ʻAmelika Hui Pū ʻIa, me ka ʻole o nā kūlanakauhale nui.
ʻO ka hapa nui o nā poʻe kahiko, nā lālā lawelawe hana hana, a me nā limahana lawelawe i hoʻokuʻu ʻia me ka hanohano e kūpono i ka papahana VA. Eia hou, hiki i nā mea kūʻai hale i noho ma kahi o 6 mau makahiki i ka Reserves a i ʻole National Guard, e like me nā hoa kāne o nā lālā lawelawe i pepehi ʻia ma ka laina o ka hana.
