Pono ʻoe i ka ʻinikua mālama moraki a me ka ʻinikua ola?
Inā ʻoe e lawe ana i kahi moraki, pono ʻoe i kahi kulekele mālama moraki e like me kekahi o nā ʻōlelo o kāu moraki. ʻO kēia haʻawina ka hopena, inā he pohō, e uku pololei ka hui ʻinikua ola i ka nui o ke kulekele pale moraki i ka mea hāʻawi e hoʻoholo i ka moraki.
ʻO ka uku o kahi kulekele palekana moraki e emi ana i ka manawa ma muli o ka emiʻana o ke koena moraki. Hoʻolālā ʻia kēia mau kulekele e uku i kāu moraki me ka manaʻo e hoʻokuʻu ʻia ka waiwai no ka poʻe e noho ana.
ʻO ka ʻinikua hoʻomalu moraki he kulekele ʻinikua ola i hoʻolālā ʻia e uku i ke koena o ka moraki, a na ka hui ʻinikua e uku i ka moraki inā make ka mea kuleana. E like me nā kulekele ʻinikua āpau, pili nā ʻōlelo a me nā kūlana, me ka pono e mālama i nā uku kulekele i kēia manawa.
Loaʻa iā mākou nā kelepona i kēlā me kēia lā mai nā mea kūʻai aku i kūʻai ʻia nā kulekele palekana moraki ma o kā lākou mea hāʻawi kālā e makemake e mālama i ke kālā a e hoʻomau i ka mālama pono ʻana.
ʻinikua mālama moraki
Ua wehewehe ʻia ka huaʻōlelo "inikua moraki" a hiki ke hoʻohana ʻia i kekahi mau huahana ʻinikua, e like me ka pale ʻana i ka uku moraki, pale moraki maʻamau, ʻinikua ola, palekana loaʻa, a i ʻole ʻinikua. ʻO nā huaʻōlelo e like me "inikua ola moraki" a me "inikua mālama moraki" ʻo ia ka mea maʻamau, hiki ke hoʻololi i nā mea.
ʻO ka ʻinikua hoʻomalu uku moraki he ʻinikua e kōkua i ka hōʻoia ʻana i ka uku ʻana i nā uku moraki inā loaʻa kekahi mea e pale iā ʻoe mai ka uku ʻana iā lākou.
ʻAʻole koi pinepine ka mea hāʻawi kālā iā ʻoe he kulekele ma ke ʻano he kūlana e ʻae iā ʻoe no kahi hōʻaiʻē. ʻOi aku ka maikaʻi o ka hoʻāʻo ʻana o ka mea hāʻawi kālā e kuhikuhi inā ʻae lākou i kāu moraki a ʻaʻole paha.
Eia nō naʻe, no ka mea he koho maʻamau ka ʻinikua uku moraki, ʻaʻole ia he manaʻo e haʻalele ʻoe. Akā, pono ʻoe e nīnau iā ʻoe iho pehea ʻoe e hoʻokele ai inā ʻaʻole hiki iā ʻoe ke uku i kāu uku moraki, a i ʻole, pehea e mālama ai kou ʻohana inā e make ʻoe.
ʻO ka hoʻokuʻu ʻana i ka pale moraki ma Ireland
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 make ʻoe a i ʻole kāu hoa pili i ka wā e kū nei ka hōʻaiʻē moraki, 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 kahi huina kālā inā make ʻoe i ka wā o kāu kulekele, hiki ke hoʻohana ʻia e kōkua i ka uku ʻana i ke koena moraki - ʻo ia ka mea maʻamau i kapa ʻia ʻo 'inikua ola moraki', ʻo ia hoʻi lākou. hiki ke hoʻomau i ka noho ʻana i ko lākou home ʻohana me ka hopohopo ʻole e pili ana i ka moraki.
Pono au i ka 'inikua palekana moraki?
ʻO ka ʻinikua moraki pilikino (PMI) he kulekele ʻinikua e pale ana i nā mea hāʻawi kālā mai ka pilikia o ka paʻa ʻole a me ka paʻa. Ma keʻano laulā, inā makemake ʻoe i ke kālā no ke kūʻai ʻana i home a hāʻawi ʻoe i kahi uku haʻahaʻa ma lalo o 20% o kāna kumukūʻai, pono paha kāu mea hāʻawi e koi iā ʻoe e kūʻai i ka ʻinikua mai kahi hui PMI ma mua o ke kau inoa ʻana i ka hōʻaiʻē. ʻOiai ʻoi aku ka nui o ke kumukūʻai, ʻae ʻo PMI i nā mea kūʻai aku ʻaʻole hiki ke uku i ka uku hoʻohaʻahaʻa nui (a i ʻole ka poʻe koho ʻaʻole) e loaʻa kālā ma nā kumukūʻai kūpono.
ʻO kahi ala e pale aku ai i ka uku ʻana i ka PMI, ʻo ia ka hoʻolilo ʻana i ka uku hoʻohaʻahaʻa e like me ka hapalima o ke kumukūʻai kūʻai o ka home; Ma ka ʻōlelo moraki, ʻo ka ratio loan-to-value (LTV) o ka moraki he 80%. Inā he $180.000 kou home hou, no ka laʻana, pono ʻoe e waiho i lalo ma kahi o $36.000 i mea e pale ai i ka uku PMI. ʻOiai ʻo kēia ke ala maʻalahi loa e pale aku ai i ka PMI, ʻaʻole hiki ke hoʻokō ʻia ka uku haʻahaʻa o kēlā nui.
Eia kekahi, inā ua mahalo ka waiwai o kou home i ka nui e emi ai kāu LTV ma mua o 80%, e ʻae kekahi mau panakō iā ʻoe e noi e kāpae i ka PMI. Eia nō naʻe, i kēia hihia, makemake paha ka panakō i kahi loiloi ʻoihana e hele pū me ka noi, ʻo ke kumukūʻai e kau ʻia e ka mea ʻaiʻē.
