ʻO ka ʻinikua ola moraki maikaʻi loa
'Inikua pa'amau no ka moraki Pono 'inikua pa'amau no ka moraki ke waiho 'oe 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?
moraki moraki ola calculator
ʻO ke kūʻai ʻana i kahi home he mea koʻikoʻi kālā. Ma muli o ka hōʻaiʻē āu e koho ai, hiki iā ʻoe ke hana i ka uku no 30 mau makahiki. Akā, he aha ka hopena i kou home inā make koke ʻoe a i ʻole ke kīnā ʻole i ka hana?
He ʻano kulekele ʻinikua ʻo MPI e kōkua ana i kou ʻohana e uku i ka moraki i kēlā me kēia mahina inā ʻoe - ka mea kuleana a me ka mea ʻaiʻē moraki - e make ma mua o ka uku ʻia ʻana o ka moraki. Hāʻawi pū kekahi mau kulekele MPI i ka uhi no ka manawa palena inā nalo ʻoe i kāu hana a i ʻole ke kīnā ma hope o kahi ulia pōpilikia. Ua kapa ʻia kekahi mau ʻoihana he ʻinikua ola moraki no ka mea ke uku wale nei ka hapa nui o nā kulekele i ka wā i make ai ka mea kuleana.
ʻO ka hapa nui o nā kulekele MPI e hana like me nā kulekele ʻinikua ola kuʻuna. I kēlā me kēia mahina, uku ʻoe i ka mea hoʻolako i ka uku o kēlā me kēia mahina. Mālama kēia premium i kāu uhi i kēia manawa a hōʻoia i kou pale. Inā make ʻoe i ka wā o ke kulekele, uku ka mea hoʻolako i ke kulekele i ka pōmaikaʻi make e uhi ana i kekahi helu o nā uku moraki. ʻO nā palena o kāu kulekele a me ka helu o nā uku mahina e uhi ai kāu kulekele e pili ana i kāu kulekele. Nui nā kulekele e hoʻohiki e uhi i ke koena o ka moraki, akā hiki ke hoʻololi ʻia kēia e ka mea hoʻolako. E like me nā ʻano ʻinikua ʻē aʻe, hiki iā ʻoe ke kūʻai a puni no nā kulekele a hoʻohālikelike i nā mea hāʻawi kālā ma mua o ke kūʻai ʻana i kahi hoʻolālā.
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.
Pono au i ka 'inikua palekana moraki?
ʻO ke kulekele ʻinikua moraki kekahi ʻano o ka ʻinikua ola manawa. Hiki iā ʻoe ke uku i ke kālā inā make ʻoe ma mua o ka pau ʻana o kāu kulekele, a hiki i kāu poʻe aloha ke hoʻohana iā ia e uku i kāu moraki. Nui nā ʻano ʻinikua manawa me nā ʻano like ʻole. ʻOi aku ka maikaʻi o kekahi e uhi i kahi moraki ma mua o nā mea ʻē aʻe. Akā ʻaʻole pono ʻoe e kūʻai i hoʻokahi me ka inoa "moraki". He kūpono paha nā ʻano ʻano uhi ʻē aʻe.
Uku ka 'inikua ola moraki i ke koena koena o ka moraki i ka make ana o ka mea kuleana. Inā loaʻa iā ʻoe, hiki iā ʻoe ke nānā i kāu kulekele a i ʻole, inā ʻoe e noʻonoʻo ana e kūʻai i kahi hou, e ʻike inā hele ke kālā i kāu mea hāʻawi aiʻole i ka ʻohana, e kōkua iā ʻoe e hoʻoholo i ka mea e hana ai me ia.
He ʻokoʻa ka ʻinikua ola hōʻaiʻē mai nā ʻano ʻinikua ola ʻē aʻe ma mua o ka uku ʻana i ka poʻe e loaʻa ana i ke kulekele, uku pololei ia i kā lākou ʻaiʻē koʻikoʻi. Uku pinepine ka mea kuleana i ka uku, ma mua a i kūkulu ʻia paha i loko o kā lākou uku mahina. Ma kēiaʻano, e hōʻoiaʻiʻoʻia ka uku o ka hōʻai'ē holoʻokoʻa inā make ka mea paʻa i ka 'inikua ma mua o ka uku pihaʻana i kāna hōʻai'ē. ʻO ka 'inikua ola hōʻaiʻē he "hōʻoiaʻiʻo" hoʻi ka ʻinikua ola, no ka mea ʻaʻole koi ʻia kahi hoʻokolohua olakino. No laila, hiki i nā poʻe me nā kūlana mua ke pale i kā lākou poʻe aloha i ʻole lākou e lawe i kā lākou mau aie i ka wā e make ai lākou.
