ʻO nā hui ʻinikua ola 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. 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?
ʻEhia ka nui o ka ʻinikua ola moraki i kēlā me kēia mahina?
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 ʻoe i ka ʻinikua ola no kahi moraki ma Ireland?
ʻO ke kumukūʻai hale ma waena o UK he £265.668 i Iune 2021 * - me nā kumukūʻai kiʻekiʻe, nui nā mea hale e uku i kahi moraki, no laila makemake ka poʻe e hoʻolilo i nā koena kālā me ke akamai. Eia nō naʻe, inā he mau keiki kāu, he hoa pili, a i ʻole nā mea hilinaʻi ʻē aʻe e noho pū ana me ʻoe e hilinaʻi kālā nei iā ʻoe, hiki ke noʻonoʻo ʻia ka lawe ʻana i ka ʻinikua ola moraki he lilo nui.
He mea nui e noʻonoʻo i ka ʻinikua ola i ke kūʻai ʻana i hale ma ke ʻano he kāne. Inā kūʻai ʻoe i kou hale me kāu hoa, hiki ke helu ʻia nā uku moraki ma muli o ʻelua mau uku. Inā e make ana ʻoe a i ʻole kāu hoa pili i ka wā e kū ana ka hōʻaiʻē moraki, e hiki anei i kekahi o ʻoukou ke mālama i kāu uku moraki maʻamau iā ʻoe iho?
Hiki ke kōkua ka ʻinikua ola ma ka uku ʻana i ke kālā inā make ʻoe i ka wā o kāu kulekele, hiki ke hoʻohana ʻia e kōkua i ka uku ʻana i ke koena o ka moraki - ua kapa ʻia kēia ʻo 'inikua ola moraki', ʻo ia hoʻi, hiki iā lākou ke hoʻomau. e noho ma ko lakou home ohana me ka hopohopo ole no ka moraki.
palena makahiki 'inikua ola moraki
Pono anei ka ʻinikua ola moraki ma Kanada? NaLaura McKay ʻOkakopa 22, 2021-6 minuke Ke noi nei i moraki, hiki i kāu mea hāʻawi ke koi i kahi mea i kapa ʻia ʻo ka ʻinikua ola moraki. ʻO ke kūʻai ʻana i hale ua lawa ke kumukūʻai, no laila makemake paha ʻoe e ʻike inā pono ke ʻinikua ola moraki ma Kanada. Inā ʻaʻole koi, pono anei? ʻO ka mea pōmaikaʻi, ʻaʻole koi ʻia ka ʻinikua ola moraki ma Kanada. ʻO kēlā ʻōlelo, he mea akamai ke noʻonoʻo i ka mea e hiki ke hana inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki. No ka pale ʻana i kou ʻohana a me kou home hou, he koho maikaʻi paha ka ʻinikua ola moraki. E heluhelu no ka ʻike ʻana i ka ʻokoʻa o ka ʻinikua ola moraki a me ka ʻinikua moraki a inā paha ʻoe, e ka makamaka heluhelu, pono paha ia.
