Pono ʻoe i ka ʻinikua ola no ka moraki?
Pono wau e kūʻai i ka pale moraki mai kaʻu panakō?…ʻO Daragh CassidyChief WriterHe mea maʻalahi a wikiwiki hoʻi e kūʻai i ka ʻinikua hoʻomalu moraki ma kahi ʻē. Nā lula moraki o ka panakō a me nā mea e like me ke dute stamp a me nā uku o nā loio i kēia wā.
Eia naʻe, ʻaʻole kiʻekiʻe ka pilikia o ka pale moraki i ka noʻonoʻo o ka poʻe kūʻai hale kūʻai a hiki i ka minuke hope loa a he mea paʻakikī loa ia i ka loaʻa ʻana o kahi moraki i ʻae ʻia a uku ʻia.
Eia kekahi, manaʻo pinepine ka poʻe he pono lākou e kūʻai i ka pale moraki mai kā lākou waihona moraki, ʻo ia hoʻi, hiki i ka poʻe ke nalowale i nā waihona kālā nui ma ke kūʻai ʻole ʻana a puni.
Ma Irelani, koi mau ka pale moraki no ka poe paa moraki a pau, o ia hoi, ina aole he kulekele e paa ana, aole e hiki ia oe ke unuhi i kou moraki a aole e loaa ia oe na ki o kou home hou.
ʻOi aku ka maikaʻi o ka ʻinikua home me ka ʻole o ka moraki?
ʻO ke kumukūʻai hale ma waena o UK he £265.668 i Iune 2021 * - me nā kumukūʻai kiʻekiʻe, nui nā mea hale e uku i kahi moraki, no laila makemake ka poʻe e hoʻolilo i nā koena kālā me ke akamai. Eia nō naʻe, inā he mau keiki kāu, he hoa pili, a i ʻole nā mea hilinaʻi ʻē aʻe e noho pū ana me ʻoe e hilinaʻi kālā nei iā ʻoe, hiki ke noʻonoʻo ʻia ka lawe ʻana i ka ʻinikua ola moraki he lilo nui.
He mea nui e noʻonoʻo i ka ʻinikua ola i ke kūʻai ʻana i hale ma ke ʻano he kāne. Inā kūʻai ʻoe i kou hale me kāu hoa, hiki ke helu ʻia nā uku moraki ma muli o ʻelua mau uku. Inā e make ana ʻoe a i ʻole kāu hoa pili i ka wā e kū ana ka hōʻaiʻē moraki, e hiki anei i kekahi o ʻoukou ke mālama i kāu uku moraki maʻamau iā ʻoe iho?
Hiki ke kōkua ka ʻinikua ola ma ka uku ʻana i ke kālā inā make ʻoe i ka wā o kāu kulekele, hiki ke hoʻohana ʻia e kōkua i ka uku ʻana i ke koena o ka moraki - ua kapa ʻia kēia ʻo 'inikua ola moraki', ʻo ia hoʻi, hiki iā lākou ke hoʻomau. e noho ma ko lakou home ohana me ka hopohopo ole no ka moraki.
ʻōnaehana ʻinikua hōʻaiʻē
E makaʻala i nā moraki ʻelua "Piggyback" Ma ke ʻano he ʻokoʻa i ka ʻinikua moraki, hiki i kekahi mau mea hāʻawi kālā ke hāʻawi i ka mea i kapa ʻia ʻo "piggyback". E hoʻohālikelike mau i ka huina kālā ma mua o ka hoʻoholo hope. E aʻo hou e pili ana i nā moraki lua. Pehea e loaʻa ai ke kōkua Inā ʻaʻole ʻoe ma hope o kāu moraki, a i ʻole e pilikia ana i ka uku ʻana, hiki iā ʻoe ke hoʻohana i ka mea hana CFPB Find a Counselor no ka papa inoa o nā keʻena aʻoaʻo hale ma kou wahi i ʻae ʻia e HUD. Hiki iā ʻoe ke kelepona i ka HOPE™ hotline, wehe i nā hola 24 o ka lā, ʻehiku lā o ka pule, ma (888) 995-HOPE (4673).
'Inikua hō'ai'ē home inā make
Mālama ka LMI i kāu mea hāʻawi inā ʻaʻole ʻoe i hōʻaiʻē i kāu moraki a loaʻa kahi "pōkole". Hiki ke hāʻule i ka wā ʻaʻole lawa nā kālā i loaʻa mai ke kūʻai aku ʻana i kou home e uhi ai i ka nui o ke koena āu e ʻaiʻē ai.
Inā koi ʻia ka LMI, pono ʻoe e uku i ka uku inikua. Akā he mea nui e hoʻomanaʻo ʻaʻole hāʻawi ka LMI iā ʻoe i kahi palekana inā ʻoe e uku no ia: aia ma laila e pale i kāu mea hāʻawi.
Hiki ke hāʻule i ka wā ʻaʻole lawa ke kumukūʻai kūʻai o kou home no ka uhi ʻana i ka nui o ke koena āu e ʻaiʻē ai ma lalo o kāu hōʻaiʻē moraki. Ua manaʻo ʻia ka IML e uhi i kēia hemahema a e hōʻoia i ka hōʻeha ʻole ʻia o ka mea hāʻawi. ʻAʻole ia e pale iā ʻoe ma ke ʻano he mea hōʻaiʻē.
E koi ʻia paha ka IML inā ʻoi aku ka liʻiliʻi o kāu waihona hōʻaiʻē moraki ma mua o 20% o ka "waiwai i helu ʻia e ka mea hāʻawi" o kāu waiwai. He waiwai ia e pili ana i ka loiloi a ka mea hāʻawi aku i ka waiwai āu e makemake ai e kūʻai. Ma nā huaʻōlelo ʻē aʻe, ua hoʻokumu ʻia ia ma ka loiloi o ka mea nāna e hāʻawi aku i ka waiwai makeke o ka waiwai.
