ʻO ka ʻinikua ola moraki maikaʻi loa
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, mālama kālā, a i ʻole ka uhi ʻana i ka maʻi. 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.
Inikua ola moraki a puni ka aina
ʻAʻole hiki i ka uku ʻana i ka ʻinikua ola ke uhi wale i ke koena koena o kāu moraki, ʻo ia hoʻi e hiki ke uku piha ʻia, akā e hōʻoiaʻiʻo nō hoʻi i ka liʻiliʻi o nā pilikia i nā lilo ola o kou ʻohana i kēlā me kēia lā.
E uhi nā hoʻolālā i kāu mau uku no ka manawa i ʻaelike ʻia i ka wā i kūʻai ai ʻoe i ke kulekele a i ʻole a hiki i kou hoʻi ʻana i ka hana (ʻo kēlā me kēia e hiki mua). ʻAʻole e uku ʻia ke koena o ka moraki.
Wahi a ka Money Advice Service, ke kūʻai nei ka mālama keiki piha ma UK i ka £ 242 i kēlā me kēia pule, no laila ʻo ka nalowale ʻana o hoʻokahi makua ke manaʻo nei ka pono o ka mālama keiki hou aʻe e hoʻonui ka makua Survivor i kā lākou mau hola e hoʻihoʻi i ka loaʻa kālā.
Inā makemake ʻoe e haʻalele i kāu poʻe aloha i hoʻoilina a i ʻole he makana puʻupuʻu i ka manawa o kou make ʻana, e lawa ka nui o ka makana e hāʻawi ai i kāu poʻe aloha i kēia ʻano hana ʻole.
Hiki ke hoʻohana ʻia nā uku mai nā kulekele ʻinikua ola a me nā hoʻopukapuka kālā ma ke ʻano he pale kālā no kāu poʻe aloha inā ua hala ʻoe.
He koi kānāwai ka loaʻa ʻana o ka ʻinikua ola me kahi moraki?
'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. Hoʻopili ia i kāu uku moraki inā ʻaʻole hiki iā ʻoe ke hana ma muli o ka maʻi a i ʻole ka ʻeha. Ma waho aʻe o ka nīnau ma luna, nīnau pinepine nā mea hale hou i nā nīnau penei: Pono anei ka ʻinikua ola moraki ma Ontario? Pono anei ka ʻinikua moraki ma Kanada?
Pono ʻoe i ka ʻinikua ola no kahi moraki ma Ireland?
E hoʻopaʻa inoa iā Samantha Haffenden-AngearIndependent Protection Expert0127 378 939328/04/2019ʻOiai he mea maʻalahi ke noʻonoʻo e lawe i ka Inikua Ola e uhi i kāu hōʻaiʻē moraki ʻaʻole pono ia. moraki aie ke make oe. Hāʻawi ʻia i ke kumukūʻai o ka ʻinikua ola, inā he hoa a ʻohana paha ʻoe, pono e noʻonoʻo pinepine ʻia, me ka ʻole o ke koi a ʻaʻole paha. ʻO kahi kulekele ʻinikua wā moraki maʻalahi e uku i ka huina kālā e like me ka ʻaiʻē o ka moraki, e ʻae ana i kāu poʻe aloha e uku i ke koena a noho i ko lākou home ʻohana. Inā kūʻai ʻoe i home ma kāu iho a ʻaʻohe ʻohana e hoʻomalu ai, a laila ʻaʻole like paha ka mea nui ʻo Mortgage Life Insurance. Inā makemake ʻoe e kiʻi i kahi manaʻo o ke kumukūʻai o Life Insurance, e hoʻokomo i kāu kikoʻī ma lalo a loaʻa i nā ʻōlelo ʻōlelo ʻo Mortgage Life Insurance ma ka pūnaewele mai nā mea hoʻokele 10 kiʻekiʻe o UK. Eia kekahi mau kumu kūpono ke kamaʻilio pū me mākou.
