ʻO ka ʻinikua palekana uku moraki ma Ireland
ʻO ke kumu kūʻai o ka hale median ma UK he £265.668 i Iune 2021 * - me nā kumukūʻai kiʻekiʻe, nui nā mea hale e uku i kahi moraki, no laila maopopo ke kumu e makemake ai ka poʻe e hoʻolilo i ke koena o ka loaʻa kālā. 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 make ʻoe a i ʻole kāu hoa pili i ka wā e kū nei ka hōʻaiʻē moraki, 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 kahi huina kālā inā make ʻoe i ka wā o kāu kulekele, hiki ke hoʻohana ʻia e kōkua i ka uku ʻana i ke koena moraki - ʻo ia ka mea maʻamau i kapa ʻia ʻo 'inikua ola moraki', ʻo ia hoʻi lākou. hiki ke hoʻomau i ka noho ʻana i ko lākou home ʻohana me ka hopohopo ʻole e pili ana i ka moraki.
He aha inā ʻaʻole hiki iaʻu ke loaʻa ka palekana moraki?
E ʻike 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 iā ʻoe e loaʻa i ka ʻinikua ʻinikua home. 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, makemake paha ka papa alakaʻi o ka hui a i ʻole condominium iā ʻoe e kūʻai i ka ʻinikua nona ka hale e kōkua i ka mālama kālā 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.
ʻinikua mālama moraki
ʻO ke kūʻai ʻana i kahi home he hoʻokō kālā koʻikoʻi. 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 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.
Pono ʻoe i ka moraki a me ka ʻinikua mālama ola?
ʻAʻole pono ʻoe e lilo i loea ʻinikua ke kūʻai ʻoe no kou home mua, akā hiki ke paʻakikī ke ʻike ʻoe i nā huaʻōlelo "inikua home" a me "inikua moraki" no ka manawa mua. I kou aʻo ʻana e pili ana i kāu pono ʻinikua i kēia mea nui hou i kou ola, hiki ke kōkua i ka ʻike he ʻokoʻa ma waena o ka ʻinikua home a me ka ʻinikua moraki. Ma muli o nā kumu he nui, ʻaʻole pono nā mea hale a pau i ka ʻinikua moraki, akā no ka mālama pono ʻana i kou home hou, pono pinepine ka ʻinikua home.
Ke hoʻomaka nei ʻoe e kūʻai no kahi home a e ʻimi i ke kaʻina hana mua o ka hōʻaiʻē home, eia ka nānā ʻana i kēlā me kēia ʻano ʻinikua, no ke aha ʻoe e pono ai, he aha ia e kōkua ai e uhi, a i ka wā e hiki ai iā ʻoe ke kūʻai.
ʻO ka ʻinikua moraki, ʻike ʻia hoʻi he ʻinikua moraki kūʻokoʻa a i ʻole PMI, he ʻinikua e koi ʻia e kekahi poʻe hāʻawi kālā e pale i kā lākou mau pono i ka wā e hōʻole ʻoe i kāu hōʻaiʻē. ʻAʻole uhi ka ʻinikua moraki i ka home a i ʻole pale iā ʻoe ma ke ʻano he mea kūʻai aku. Akā, mālama ʻo PMI i ka mea hāʻawi kālā inā ʻaʻole hiki iā ʻoe ke hana i nā uku.
