He kanaka ʻaʻole pono e lawe i ka ʻinikua waiwai.
ʻO ka ʻinikua home (ʻike pū ʻia ʻo ka ʻinikua home) ʻaʻole ia he mea waiwai; he mea e pono ai. ʻAʻole wale no ka pale ʻana i kou home a me nā waiwai mai ka pōʻino a ʻaihue paha. Ma kahi o nā hui moraki a pau e koi aku i ka poʻe hōʻaiʻē e loaʻa i ka ʻinikua no ka waiwai piha a kūpono paha o ka waiwai (ʻo ka mea maʻamau ke kumukūʻai kūʻai) a ʻaʻole lākou e hōʻaiʻē a hoʻolimalima i kahi kālepa waiwai hale me ka ʻole o ka hōʻoia.
ʻAʻole pono ʻoe e lilo i mea nona ka hale e pono ai ka ʻinikua; Nui nā konohiki e koi i kā lākou mau hoaaina e loaʻa i ka ʻinikua hoʻolimalima. Akā inā koi ʻia a ʻaʻole paha, he akamai ka loaʻa ʻana o kēia ʻano pale. E wehewehe mākou i ke kumu o nā kulekele ʻinikua home.
Inā pōʻino ma muli o ke ahi, ka makani ʻino, ka uila, ka luku ʻana a i ʻole nā poino ʻē aʻe i uhi ʻia, e uku kāu mea hoʻolako iā ʻoe i hiki ke hoʻoponopono a kūkulu hou ʻia paha kou hale. ʻAʻole uhi ʻia ka luku ʻana a i ʻole ka ʻoki ʻia ʻana ma muli o ke kahe ʻana, nā ʻōlaʻi a me ka mālama pono ʻole ʻana i ka home a pono paha ʻoe i nā mea holo hou inā makemake ʻoe i kēlā ʻano pale. ʻO nā hale kaʻa kaʻawale, nā hale a i ʻole nā mea hana ʻē aʻe ma luna o ka waiwai ke koi aku i ka uhi kaʻawale ma muli o nā alakaʻi like me ka home nui.
Hiki ke kūʻai ʻia ka hale me ka ʻole o ka ʻinikua?
Inā hāʻawi ʻoe i ka liʻiliʻi ma mua o 20% o ka uku hoʻohaʻahaʻa ma kahi home, pono e hoʻomaopopo i kāu mau koho no ka ʻinikua moraki pilikino (PMI). ʻAʻole hiki i kekahi poʻe ke loaʻa i kahi 20% uku. Hiki i nā poʻe ʻē aʻe ke koho e hāʻawi i ka uku haʻahaʻa i loaʻa ke kālā hou aʻe no ka hoʻoponopono, hoʻoponopono hou ʻana, nā lako, a me nā pilikia pilikia.
ʻO ka ʻinikua moraki kūʻokoʻa (PMI) he ʻano ʻinikua i koi ʻia e ka mea ʻaiʻē e kūʻai ma ke ʻano o kahi hōʻaiʻē moraki maʻamau. ʻO ka hapa nui o nā mea hāʻawi kālā e koi i ka PMI i ka wā e uku ai ka mea kūʻai hale ma lalo o 20% o ke kumukūʻai kūʻai hale.
Ke hoʻokaʻawale ka mea ʻaiʻē ma lalo o 20% o ka waiwai o ka waiwai, ʻoi aku ka nui o ka loan-to-value (LTV) o ka moraki ma mua o 80% (ʻo ke kiʻekiʻe o ka LTV, ʻoi aku ka kiʻekiʻe o ka ʻike pilikia o ka moraki). moraki no ka mea haawi aku).
ʻAʻole like me ka hapa nui o nā ʻinikua, mālama ke kulekele i ka hoʻokomo ʻana o ka mea hāʻawi i ka home, ʻaʻole ka mea kūʻai aku i ka ʻinikua (ka mea hōʻaiʻē). Eia naʻe, hiki i ka PMI ke hiki i kekahi poʻe ke lilo koke i mea nona ka hale. No ka poʻe i koho e waiho ma waena o 5% a me 19,99% o ke kumukūʻai o ka hale noho, ʻae ka PMI iā lākou i ka hiki ke loaʻa kālā.
Pehea inā he moraki kāu a ʻaʻohe ʻinikua home?
E aʻo koke ka poʻe kūʻai hale e ʻimi kālā i kā lākou kūʻai ʻana i ka mea i ʻike mua ʻia e ka poʻe paʻa moraki: ʻO kāu panakō a ʻoihana moraki paha e koi aku i ka ʻinikua hale. ʻO kēia no ka mea pono nā mea hāʻawi kālā e pale i kā lākou kālā. Inā pōʻino kou home i ke ahi a i ʻole i pōʻino nui ʻia e ka makani ʻino, ka puahiohio, a i ʻole nā pōʻino ʻē aʻe, mālama ka ʻinikua hale iā lākou (a ʻo ʻoe) mai ka pohō kālā.
Inā noho ʻoe ma kahi e kahe ana, e koi pū ana kāu panakō a i ʻole hui moraki iā ʻoe e kūʻai i ka ʻinikua wai. Pono paha kekahi mau ʻoihana kālā i ka uhi ōlaʻi inā ʻoe e noho ana ma kahi ʻāpana pilikia i ka hana seismic.
Inā kūʻai ʻoe i kahi hui a i ʻole condominium, ke kūʻai nei ʻoe i kahi hoihoi kālā i kahi hui nui. No laila, e koi ana ka papa alakaʻi o kāu hui a i ʻole condominium iā ʻoe e kūʻai i ka ʻinikua nona ka hale e kōkua i ka mālama kālā ʻana i ka paʻakikī holoʻokoʻa i ka wā o kahi pōʻino a i ʻole ulia pōpilikia.
Ke uku ʻia ka moraki ma kou home, ʻaʻohe mea e koi iā ʻoe e lawe i ka ʻinikua home. Akā, ʻo kou home paha kāu waiwai nui loa, a ʻaʻole hoʻopaʻa wale ke kulekele o ka mea hale maʻamau i ka hale; Hoʻopili pū ia i kāu mau mea i ka wā o kahi pōʻino a hāʻawi i ka palekana kuleana i ka wā o ka hōʻeha a i ʻole ka hoʻopiʻi pōʻino waiwai.
I ka manawa hea ʻoe e loaʻa ai ka ʻinikua home?
Ke kū mai kahi pōʻino, he mea koʻikoʻi ia e pale ʻia ʻoe, ʻoi aku ka nui o ka loaʻa kālā e like me kou home. Ma mua o kou pani ʻana i kahi home hou, pono paha ʻoe e lawe i kahi ʻinikua home e uhi i kāu waiwai no ka pōʻino.
ʻOiai ua hoʻomaopopo pono ʻoe he mea nui ka ʻinikua home, nui paha kāu mau nīnau e pili ana i ia mea a pehea e loaʻa ai. E nānā hohonu kēia ʻatikala i ka mea e uhi ai ka ʻinikua home a me ka nui o ke kumukūʻai, no laila hiki iā ʻoe ke hoʻomaopopo maikaʻi i ke ʻano o ka pale i loaʻa iā ʻoe.
'O ka 'inikua hale, a i 'ole ka 'inikua o ka hale, e uhi i ka poho a me ka poino o kou hale, a me na mea o loko. Hoʻopili maʻamau ka ʻinikua i nā kumukūʻai e pono ai e hoʻihoʻi i ka waiwai kumu o ka home inā pōʻino.
ʻAʻole mālama kēia ʻinikua iā ʻoe, akā i kāu mea hāʻawi. ʻO ia ke kumu, inā makemake ʻoe e kiʻi i kahi moraki, e koi pinepine kāu mea hāʻawi i ka hōʻoia ua lawe ʻoe i ka ʻinikua home ma mua o ka loaʻa ʻana i kāu kālā, a e hōʻoia e hiki iā ʻoe ke uhi i nā bila hoʻoponopono ma hope o kahi hanana kūpono.
