ʻAʻohe hōʻike o ka moraki kālā 2021
Pono nā mea noi i hoʻohana ma kahi ʻaelike paʻa no ka liʻiliʻi o 12 mahina. Inā ʻaʻole, pono lākou he 24 mau mahina i koe ma kā lākou ʻaelike o kēia manawa. ʻAʻole hiki ke hoʻohui ʻia nā manawa ma waena o nā ʻaelike i nā mahina he 12 i hala ma mua o 12 mau pule.
^Inā loaʻa i kāu mea kūʻai aku he moraki makaʻāina a i ʻole ka moraki, ʻaʻole pono ʻoe e hāʻawi iā lākou i kāna (mau) ʻōlelo inā i hana ʻia ma ke ʻano he hihia. E hoʻopiha wale i kā mākou palapala hoʻolaha pāʻoihana hou, a laila scan a hoʻopili e wehe i ke koi.
I nā manawa e hiki ai, e hoʻāʻo mākou e hōʻoia i ka loaʻa kālā o kāu mea kūʻai me ka hoʻohana ʻana i ka ʻike i loaʻa i nā ʻoihana hōʻaiʻē. Inā hiki iā mākou ke hōʻoia i ka loaʻa kālā i hōʻike ʻia e kāu mea kūʻai aku, ʻaʻole mākou e koi i kahi hōʻoia o ka loaʻa kālā.
*Inā he 20% a i ʻole ka liʻiliʻi o ka mea kūʻai aku, e mālama mākou iā lākou ma ke ʻano he "limahana" a hoʻohana i kā lākou uku uku e hōʻoia i ka loaʻa kālā e like me ke kūpono. Inā ʻaʻole lawa ka loaʻa kālā no ka hōʻoia ʻana i ka hōʻaiʻē i noi ʻia, e noʻonoʻo mākou he poʻe hana pilikino lākou, no ka laʻana, i ka wā e pono ai mākou e noʻonoʻo i ka loaʻa kālā.
Hoʻemi ʻia nā lilo kala ʻana i ka hōʻaiʻē PB
ʻO ke ala wale nō e ʻike maopopo ai i ka nui o ka moraki hiki iā ʻoe ke loaʻa me kāu uku uku, ʻo ia ke kamaʻilio me kahi mea hāʻawi. E aʻo lākou i nā ʻano āpau o kāu kūlana kālā e helu i ka nui pololei āu e hōʻaiʻē ai.
Inā he ʻaiʻē kāu, e like me ka uku kaʻa, ka hōʻaiʻē haumāna a i ʻole ka uku kāleka hōʻaiʻē, e unuhi nā mea hāʻawi kālā i kēlā mau lilo mai kāu loaʻa kālā o kēlā me kēia mahina ma mua o ka helu ʻana i ka nui o ka uku moraki hiki iā ʻoe ke loaʻa.
Akā, e ʻike kākou i kekahi mau laʻana i ka hana. Ke hana nei mākou i nā manaʻo like a mākou i hoʻohana ai i kā mākou mau hiʻohiʻona ma luna, koe wale nō nā lilo o kēlā me kēia mahina ($300) a me nā uku ukupanee kūpono.
Uku hoopunipuni no ka moraki
Manaʻo ʻoe e kaupalena ana kāu loaʻa kālā i kou hiki ke kūʻai i hale? ʻO ka nui o ke kālā āu e hana ai he mea liʻiliʻi loa ia ma mua o kou manaʻo i ka wā e loaʻa ai kahi moraki. E ʻike kākou i ka hopena o ka loaʻa kālā i ke kūʻai ʻana i ka hale i kūpono iā ʻoe.
ʻOi aku ka manaʻo o nā mea hāʻawi kālā ma mua o kāu uku ke kūʻai ʻana i home. ʻOi aku ka nui o kāu lākiō aie i ka loaʻa kālā (DTI) a me kou hiki ke uku moraki ma mua o ka nui o kāu loaʻa. E noʻonoʻo nō hoʻi lākou i kāu helu ʻaiʻē a me ka nui āu e loaʻa ai no ka uku ʻana.
ʻO kahi hoʻomaka maikaʻi ke ʻae ʻia ma mua, ʻoiai inā ʻaʻole ʻoe maopopo hiki ke loaʻa kahi moraki i kāu loaʻa kālā o kēia manawa. ʻO ka preapproval he leka mai kahi moraki e hōʻike ana iā ʻoe i ka nui o ke kālā āu e hōʻaiʻē ai. Ke ʻae ʻia ʻoe, e nānā nā mea hāʻawi kālā i kāu loaʻa, hōʻike hōʻaiʻē, a me nā waiwai. ʻAe kēia i ka mea hāʻawi kālā e hāʻawi iā ʻoe i kahi kuhi pololei loa i ka nui o ka home āu e hiki ai ke loaʻa.
ʻO ka ʻae mua e hāʻawi iā ʻoe i kahi kālā kūpono e hoʻohana i ka wā e hoʻomaka ai ʻoe e ʻimi i kahi home. Ke ʻike ʻoe i kāu kālā i manaʻo ʻia, hiki iā ʻoe ke nānā i nā hale kūʻai aku e ʻike i ke ʻano o nā kumukūʻai maʻamau. He hōʻailona maikaʻi ia e mākaukau ʻoe e kūʻai inā loaʻa iā ʻoe nā koho nani i kāu pae kumu kūʻai.
ʻEhia nā uku uku e pono ai no ka hōʻaiʻē moraki
ʻO ka Coronavirus Aid, Relief, and Economic Security Act (ʻo ka "CARES Act"), ka pūʻolo kōkua kōkua coronavirus piha i hoʻopaʻa ʻia e ka Pelekikena Trump i ka lā Malaki 27, 2020, aia i loko o kāna mau mea he "Program Career Protection." Paycheck, "he kaʻa koʻikoʻi. no kekahi mau paʻahana me ka liʻiliʻi ma mua o 500 mau limahana e hoʻomau i ka uku ʻana i nā limahana a uhi i kekahi mau lilo ʻē aʻe ma o kahi hōʻaiʻē hiki ke kala ʻia.
Hoʻokumu ka Paycheck Protection Program i kahi ʻāpana hou o nā hōʻaiʻē i hōʻoia ʻia e ka Small Business Administration (ka "SBA"). ʻAʻole i hoʻopaʻa ʻia nā hōʻaiʻē hou (ʻaʻohe koi koʻikoʻi), ʻaʻole koi i nā hōʻoia pilikino, a loaʻa i nā ʻoihana i kūpono ʻole i nā hōʻaiʻē SBA. He mea nui e hoʻomaopopo e hiki ke kala piha ʻia nā hōʻaiʻē inā hoʻohana ʻia nā loaʻa mai kēia mau hōʻaiʻē e hoʻomau i ka uku uku a i ʻole e uku i nā lilo ʻoihana ʻē aʻe.
ʻO nā ʻoihana kūpono. Ua kaupalena ʻia nā hōʻaiʻē SBA kuʻuna i nā "ʻoihana liʻiliʻi." Hoʻonui ka Payroll Protection Program i kēia manawa kūpono e hoʻokomo i nā ʻoihana āpau, nā hui waiwai ʻole, nā hui o nā kūpuna, a me nā ʻoihana ʻohana. ʻO ka "hui" he hui ʻoihana i hoʻonohonoho ʻia no ka loaʻa kālā, me kahi wahi ʻoihana aia ma ʻAmelika Hui Pū ʻIa, a e hana nui ana i loko o ʻAmelika Hui Pū ʻIa, a hiki ke hoʻonohonoho ʻia ma ke ʻano he kuleana hoʻokahi, hui pū ʻana, hui kuleana palena ʻole , hui, hui hui. , hui, hilinaʻi a hui pū.
