Nā kumu maikaʻi no ka kūʻaiʻana ma kahi kūʻai liʻiliʻi
No ke aha e hoʻolaha ai i nā mea hoʻolaha
E loheʻoe i ka moolelo ma hope a ma hope: "Kūkaʻi ka pāʻani liʻiliʻi i ka hōʻai'ē." ʻAʻole pololei kēlā.
ʻO kāu hōʻai'ē ke koleke inā e hāʻuleʻoe i hope ma kāu mau uku. 'Ōlelo nā kānakaʻike i nā mea lawelawe e hana hou ana i kēlā mantra me ka weheʻoleʻia pēlā no ka naʻaupōʻole aiʻole i ka ponoʻole, e lawe i kāu koho.
Aia hoʻokahi mahele. Ināʻaʻoleʻoe he 60 lā-me ka hapalua o ka'āina ma kāu hōʻike kālā kālā, hiki iā Fannie Mae ke hāʻawi iāʻoe i kahi hōʻai'ē e kūʻai i kahi home'ē aʻe. Eia naʻe,ʻo ka hapanui o nā kānaka e kūʻai ana ma kahi kūʻai liʻiliʻi i halaʻole i nā lā he 60 i hala, no lailaʻaʻohe pili o kēiaʻokoʻa iā lākou.
ʻO kahi kūʻai pōkole hikiʻole ke hōʻino i kāu hōʻai'ē uku. ʻAʻole paha hiki i ka manawa koke, akā, ma mua a ma hope paha, keʻaeʻole kaʻaha e hōʻike i ka hapa, hiki ke hōʻikeʻia e ke kāleka ma keʻano he Score Factor Code 22. E pili ana kēlā heluʻai i nā alahaka, nā moʻolelo hoʻopau a me nā hōʻiliʻili. HAFA kūʻai kūʻokoʻa no 2013 a ma hope aku hāʻawi hou aku i kahi koho no nā mea kūʻai aku i kēia manawa.
ʻAʻole pono nā luna waiwai e hāʻawi i nā'ōlelo aʻo kānāwai i ka poʻe e hoʻokū ana i ka hana hoʻolaha a hōʻoiaʻiʻo paha i nā mea kūʻai aku i ka hopena o ka hōʻai'ē.
ʻO ka poʻe e koi nei i kēia hana, hiki iā lākou ke pale i kahi papahanaʻoihana ma lalo o ke alanui a pule lākou e hūnā lākou i ko lākou mau hewa a me nā waiwai i hanaʻia.
Eia nā kumu nui e koi ai nā mea hoʻolale i nā mea kūʻai aku e hana i kekahi kūʻai liʻiliʻi:
- E ukuʻia nā mea hana mai ke kālā kūʻai mai ke kūʻaiʻana e hana i kahi kūʻai liʻiliʻi.
- ʻAʻole e ukuʻia nā luna i ka ukuʻana o ka mea kūʻai i ka home i ke kāleka ma ka heleʻana i ke kaʻina hana.
- Inā pahaʻaʻole kūʻai ka hale ma kahi kūʻai pōkole , hoʻolaha hoʻolahaʻia ka luna (a me kaʻoihana hou) ma o ka hōʻike, nā hale hoʻokipa , kālepa a me ka hoʻounaʻana ma nā pūnaewele .
Nā Pōmaikaʻi no ke Kūʻana
ʻOiaiʻo ka hanaʻana i ka hana kuhi pinepine he meaʻeha a hoʻohilahila no ka mea kūʻai aku, he mau pōmaikaʻi:
- ʻAʻole e ukuʻia nā moraki e hana.
- Hanaʻia nā papahana hana i nā mahina e hoʻopau.
- Aia nō ka home iāʻoe a hiki i ka pauʻana o ka paʻa.
- ʻAʻohe malihini e holoholo ma waena o kou home.
- Kūʻawiʻo Banks i nā kālā no kekahi mau manawa ma hope o ke kūʻaiʻana i ka lehulehu.
Hoʻopuka hou i Foreclosure
Heʻuʻuku nā kānaka, koeʻole nā mea kūʻai aku i koho e kūʻai a me ka leka , makemake maoli lākou eʻike i kahi paʻa. Hoʻomanaʻoʻia nā manaʻo i loko o kahi home, aʻo ka nalowaleʻana e hiki ai ke hōʻoki i nā moeʻuhane o ka wā e hiki mai ana. Eia kekahi mau hanana hou no ka weheʻana :
- ʻO ka kuleana o ka nohoʻana o ka home he mea wehe.
- Hoi nā home hale i ka mākaʻi kūʻai e like me keʻano he mea hoʻokele.
- Hiki i ka 'aha kuʻikuʻi ke kau i kahi leka hoʻomaopopo no ke kūʻai' ana o ka lehulehu ma kou puka.
- ʻOi aku kou ihu i ka ihu, a e hoʻomauʻia ka paʻaʻana ma kāu hōʻike kālā no 10 mau makahiki.
- Ma lalo o nā kulekele Fannie Mae, me ka hoʻoneʻeʻoleʻana i nā kūlana,ʻaʻoleʻoe e kūpono e kūʻai i kahi hale no 7 mau makahiki.
Nā Pōmaikaʻi no ke kūʻai iki
ʻOiaʻiʻo, e hoʻoliloʻoe i kāu mea waiwai i mea hauʻoli no ka mea e hauʻoli nā luna e lawe i nā papa inoa. Akā, peheaʻoe? He aha kāu e puka mai ai i kahi kūʻai liʻiliʻi?
- E mālama i kekahi hanohano i kaʻikeʻana ua kūʻai akuʻoe i kou home.
- ʻAʻoleʻoe eʻae i ka pilikino pili o ka "F" hua'ōlelo: hōʻeha.
- ʻAʻohe moraki e hana, ke kohoʻoleʻoe e hana.
- Hiki iāʻoe ke hālāwai aku me nā mea hou.
- E āpono iāʻoe, ma lalo o nā alakaʻi a Fannie Mae, e kūʻai i kahi home'ē aʻe i nā makahiki 2 ma mua o 5 a 7 mau makahiki.
- Inā hōʻikeʻole kāu hōʻike kālā i kahi uku he 60 lā, ma lalo o nā kulekele Fannie Mae, hiki iāʻoe ke kūʻai i kahi home'ē aʻe.
Hoʻopuka hou i kahi kūʻai liʻiliʻi
Hiki paha iāʻoe keʻike i kekahi o nā hāʻina like hoʻokahi ma keʻano he hana paʻa, akā, eʻike paha lākou heʻano ikaikaʻole.
- ʻO ka kaliʻana i kaʻae e pane i ka hāʻawiʻana he mea hōʻeha.
- E makemake ana kaʻae e nānā i nā moʻolelo pilikino e like me kaʻauhauʻauhau, nā'auke kālā, nā waiwai a me nā kuleana, me ka noiʻana i palapala hoʻonāuki mai iāʻoe.
- Hiki ke kūʻai aku i nā mea kūʻai kūʻai e mālama i kou home i kahi kūlanaʻole no nā hebedoma a iʻole nā mahina a hiki i ka loaʻaʻana o ka makana a me ka mālamaʻana i nā huakaʻi ma waena o kou home.
- ʻAʻohe'ōlelo hōʻoia eʻae mai ka'ake i kahi hāʻawi kūʻai kūʻai.
- E hoʻomauʻia ka hōʻai'ē waiwai i kāu hōʻike kālā no 7 mau makahiki.
No ka poʻe kūʻai aku, akā,ʻo ka manawa e kūʻai aku ai i kahi home'ē aʻe i loko oʻelua mau makahiki,ʻo ia ka manaʻo maoli e hana i kahi kūʻai liʻiliʻi. Kūpono koke kekahi mea kūʻai aku e kūʻai hou ma lalo o kekahi mau hua'ōlelo. Hiki i nā hana hoʻolimalima maikaʻi ke hoʻopiʻi i ka hopena maikaʻi ma hope oʻelua mau makahiki,ʻoiai e mau ana nā hanaʻino.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, BRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.