ʻInikua ola moraki UK
E kūʻai i kahi kulekele ʻinikua ola no ka liʻiliʻi liʻiliʻi e like me kāu moraki. No laila, inā e make ʻoe i ka wā "kau" e paʻa ana ke kulekele, loaʻa i kāu poʻe aloha ke ʻano maka o ke kulekele. Hiki iā lākou ke hoʻohana i ke kālā e uku ai i ka moraki. Loaʻa pinepine ʻole ʻauhau.
I ka ʻoiaʻiʻo, hiki ke hoʻohana ʻia kāu mau kulekele no kēlā me kēia kumu e koho ai kāu poʻe pōmaikaʻi. Inā he haʻahaʻa ka uku paneʻe i kā lākou moraki, makemake paha lākou e uku i ka ʻaiʻē kāleka hōʻaiʻē kiʻekiʻe a mālama i ka moraki haʻahaʻa. A i ʻole makemake paha lākou e uku no ka mālama a mālama ʻana i ka hale. ʻO nā mea a lākou e hoʻoholo ai, e lawelawe maikaʻi ana kēlā kālā iā lākou.
Akā me ka ʻinikua ola moraki, ʻo kāu mea hāʻawi aku ka mea i loaʻa i ke kulekele ma mua o ka poʻe pōmaikaʻi āu i koho ai. Inā make ʻoe, loaʻa i kāu mea hāʻawi ke koena o kāu moraki. E pau ana kāu moraki, akā, ʻaʻole e ʻike kāu poʻe ola a i ʻole nā mea aloha i kekahi o nā loaʻa.
Eia kekahi, hāʻawi ka ʻinikua ola maʻamau i kahi pōmaikaʻi pālahalaha a me kahi uku paʻa ma luna o ke ola o ke kulekele. Me ka 'inikua ola moraki, hiki ke noho like ka uku, aka, e emi ana ka waiwai o ke kulekele i ka manawa e emi ana kou koena moraki.
ʻO ka ʻokoʻa ma waena o ka ʻinikua ola a me ka ʻinikua ola moraki
'Inikua pa'amau moraki He koi 'ia ka 'inikua pa'amau inā 'oe e uku ma lalo o 20% ma kou home. Mālama ia i ka mea hāʻawi moraki inā ʻaʻole hiki iā ʻoe ke uku i ka hōʻaiʻē. Hiki iā ʻoe ke hoʻokomo i ke kumukūʻai o ka ʻinikua i kāu uku moraki i kēlā me kēia mahina. ʻIke ʻia ka ʻinikua paʻamau moraki ʻo Canada Housing and Mortgage Corporation (CMHC). Inā make ʻoe me ke koena o kāu hōʻaiʻē moraki, e uku ana kāu hōʻaiʻē moraki i kēlā huina i ka mea hāʻawi moraki. Kōkua ka ʻinikua ola moraki i kou ʻohana e noho ma kou home ma hope o kou hala ʻana. Hele pololei nā pōmaikaʻi kulekele i ka mea nāna e hāʻawi aku, ma mua o kou ʻohana. ʻIke ʻia ʻo Mortgage Life Insurance (MPI). He mea paʻakikī ka mālama ʻana i kāu mau uku mahina inā loaʻa iā ʻoe kahi maʻi kīnā ʻole a ʻeha paha. ʻO kēia kahi e komo ai ka ʻinikua kīnā moraki. Ma waho aʻe o ka nīnau ma luna, nīnau pinepine nā mea hale hou i nā nīnau e like me kēia: Pono anei ka ʻinikua ola moraki ma Ontario? Pono anei ka ʻinikua moraki ma Kanada?
'Inikua ola moraki aupuni
ʻO ke kūʻai ʻana i hale hou he manawa hoihoi. Akā, e like me ka hoihoi, nui nā hoʻoholo e hele pū me ke kūʻai ʻana i hale hou. ʻO kekahi o nā hoʻoholo i hiki ke noʻonoʻo ʻia inā e lawe i ka ʻinikua ola moraki.
ʻO ka ʻinikua ola moraki, ʻike ʻia hoʻi ʻo ka ʻinikua palekana moraki, he kulekele ʻinikua ola e uku ana i kāu aie moraki inā make ʻoe. ʻOiai hiki i kēia kulekele ke pale aku i kou ʻohana mai ka nalowale ʻana i ko lākou home, ʻaʻole ia ʻo ka koho ʻinikua ola maikaʻi loa.
Kūʻai pinepine ʻia ka ʻinikua ola moraki e kāu mea hāʻawi moraki, kahi hui ʻinikua pili me kāu mea hāʻawi aku, a i ʻole hui ʻinikua ʻē aʻe e leka uila iā ʻoe ma hope o ka loaʻa ʻana o kāu kikoʻī ma o nā moʻolelo lehulehu. Inā kūʻai ʻoe iā ia mai kāu mea hōʻaiʻē moraki, hiki ke kūkulu ʻia nā uku i kāu hōʻaiʻē.
ʻO ka mea hāʻawi moraki ka mea e pōmaikaʻi ai i ke kulekele, ʻaʻole kāu hoa kāne a i ʻole kekahi mea āu e koho ai, ʻo ia hoʻi, e uku ka mea hoʻolako i kāu mea hāʻawi i ke koena o ka moraki inā e make ʻoe. ʻAʻole hele ke kālā i kou ʻohana me kēia ʻano ʻinikua ola.
He aha ka hopena i ka ʻinikua ola ke uku ʻia ka moraki?
Inā kūʻai ʻoe i hale a i ʻole palahalaha ma ke kumu hoʻolimalima, pono ka waiwai i ka ʻinikua hale, akā ʻaʻole pono ʻoe e lawe iā ʻoe iho. Aia ke kuleana ma luna o ke konohiki, ʻo ia ka mea nona ka hale. Akā ʻaʻole kēia ka hihia i nā manawa a pau, no laila pono ʻoe e nīnau i kāu loio nāna ke kuleana no ka mālama ʻana i ka hale.
Ke hoʻokokoke mai nei ka lā neʻe, makemake paha ʻoe e noʻonoʻo i ka ʻinikua maʻiʻo e pale i kāu mau mea. ʻAʻole pono ʻoe e hoʻohaʻahaʻa i ka waiwai o kāu mau mea, mai ke kīwī a i ka mīkini holoi.
Inā ʻoe e pani iā lākou, pono ʻoe i ka ʻinikua maʻiʻo e uhi i nā poho. He ʻoi aku ka maikaʻi o ka lawe ʻana i ka pahu a me ka ʻinikua i loko, akā hiki iā ʻoe ke hana kaʻawale. Hāʻawi mākou i ke kūkulu hale a me ka uhi ʻike.
Hiki i ka ʻinikua ola ke hāʻawi iā ʻoe i ka maluhia o ka noʻonoʻo me ka ʻike e mālama ʻia lākou inā e hala ʻoe. Hiki ke manaʻo ʻaʻole pono kou ʻohana e uku i ka moraki a i ʻole ke kūʻai aku a neʻe.
ʻO ka nui o kāu moraki e pono ai e pili ana i ka nui o kāu moraki a me ke ʻano o kāu moraki. Hiki iā ʻoe ke noʻonoʻo i nā aie ʻē aʻe āu e loaʻa ai, a me ke kālā e pono ai no ka mālama ʻana i nā mea hilinaʻi, e like me kāu hoa pili, nā keiki, a i ʻole nā ʻohana ʻelemakule.
