He waiwai i heluʻia e like me ka uku kālā?
ʻAʻole.ʻAʻole i heluʻia nā waiwai pono'ī e like me ke kālā loaʻa, akā naʻe,ʻo ka loaʻaʻana o nā kālā i loaʻa i ka waiwai ke heluʻia i ka hoʻoholoʻana i ka pono o kaʻohana.
Ke wehewehe nei ka 'Oihana Hoʻokomo hale a me nā ulu'āina' āina (HUD) i nā waiwai i "nā kumu waiwai e lilo i kālā." Akā,ʻaʻole i kūpono ka waiwai waiwai pono'ī i waiwai. ʻO nā hiʻohiʻona maʻamau kaʻaʻahu, nā lakohana, nā kaʻa , a me ke apo mare (a iʻole nā mea'ē aʻe i mālamaʻoleʻia), a me nā kaʻa i hoʻolakoʻia no nā poʻe me ke kino kīnā.
He mea nui hoʻi e hoʻomaopopo i ka ukuʻana o nā uku hōʻemi, e like me ka hoʻoilina, ka hoʻoholoʻai hoʻolimalima, aiʻole nā mea i loaʻa mai ma ke kūʻaiʻana i kekahi hale a hale paha, he waiwai, akā, e manaʻoʻia he uku kālā ka manawa. Inā he mea hoʻolimalimaʻia ka mea hoʻolimalima o kahi hale kūʻai haʻawina i ka waihona kālāʻauhau kālā, he laʻa nui ia e lanakila ai i ka loiloi, no ka mea, he nui ka uku o ka makana e heluʻia he waiwai, aʻo ka uku manawa he pono eʻikeʻia.
E like me kāu eʻike ai, nui ka loli i ka hopena o ka waiwai i loaʻa i ka kālā ma ka pono o ka home. Inā he waiwai kekahi o ka mea hoaaina, pono eʻike ka mea waiwai i ka waiwai o ia mau waiwai a me ka nui o nā kālā i loaʻa iā lākou, inā he.
Pono pono ka luna e hoʻohui i ka waiwai o nā waiwai waiwai a pau. Inā he $ 5,000 ka nui a iʻole ka liʻiliʻi, a laila,ʻo ka waiwai maoli i loaʻa mai i kēia mau hua ka mea i heluʻia. Eia naʻe, ināʻoi aku ka nui o ka nui ma mua o $ 5,000, he helu houʻia e hana.
Pono ka luna e hoʻonui i ka waiwai o ka waiwai ma ka .02 (e hōʻike ana i ka nui o ka uku no ka waihona HUD o kēia manawa) no ka hoʻoholoʻana i ka "kālā i manaʻoʻia." Inā nui aku kēia helu ma mua o ka waiwai maoli mai nā waiwai o ka hale, ua hoʻokomoʻia ma kahi. (Manuahi: Hoʻokahi hoʻokahi mahele i kēia kulekele : Inā e loaʻa ana kahi mea lawelawe i ka BMIR (Below Market Interest Assistance),ʻaʻole i heluʻia nā kālā i heluʻia.)
Ma kahi hōʻolo wikiwiki,'ōlelo maʻalahi,'ōlelo kahi waiwai o ka hale o Smith i kahi $ 5,000 kālā i hūnāʻia ma kahi pahu ma lalo o kahi moe. Aia nō kaʻohana Jones i kēlāʻano like, akā naʻe, he $ 6,000 ke kālā. E helu ka luna waiwai i $ 0 ma ke kālā loaʻa mai nā waiwai no ka hale o Smith a $ 120 ma ke kālā he loaʻa mai nā waiwai no ka home Jones (ʻo ia hoʻi,ʻelua hapaha o $ 6,000). ʻO kēia ka nui o nā kālā a Jones i loaʻa ai ināʻo ia i loko o kahi waihona mālama kālā.
Pono nā mea noi i nā hale waihona haʻahaʻa i kahi waiwai waiwaiʻauhau e kuhikuhi ināʻaʻole lākou i waiwai pono i ka waiwai iʻikeʻia e loaʻa iā lākou ke nānā. Hena nā HUD i nā mea mana e heluʻole i nā waiwai i "hoʻokomoʻoleʻia" e ka mea noi, inā paha ma ka inoa o kēlā kanaka. ʻO kēia ka hopena inā loaʻa ka waiwai (a me nā kālā e loaʻa iā ia) no ka pōmaikaʻi o kekahi mea'ē aʻe (ʻaʻoleʻo ia no kaʻohana) aʻo ia ke kuleana no kaʻauhau kālā i loaʻa ma nā kālā i loaʻa e ka waiwai.
I ka hopena, inā he kuleana'āina kekahi o nā mea'āina me kekahi poʻe'ē aʻe (ʻaʻole kekahi o kaʻohana), a laila pono ke hoʻonohonoho pono ka mea mana i ka māhele o ka mea'āina (ʻo ia ka manaʻo no ka hoʻolimalima). Eia kekahi lā, inā he kuleana likeʻo Jane i kahiʻohi dālā (mālamaʻia no nā hana hoʻolālā) me kona kaikunāne, aʻo ke kumukūʻai o ka hōʻiliʻili he $ 3,500 kēia, a laila e heluʻia he $ 1,750 i waiwai no Jane (e pili ana iā ia he 50% i ka hōʻiliʻili).