Ke nānā nei mākou i kekahi o nā haʻawina makuahine hoʻokahi i loaʻa no ka hale ma kēia ʻatikala ma World Scholars Hub. Loaʻa kēia mau haʻawina e kōkua i nā makuahine hoʻokahi i ka loaʻa ʻana o kahi e noho ai, a me ka hāpai ʻana i ke kaumaha o ka hoʻolimalima mai ko lākou poʻohiwi.
Ua ʻike mākou aia paha nā nīnau āu e makemake ai e nīnau ma muli o kēia ʻano haʻawina.
Ma kēia ʻatikala, ua pane mākou i kekahi o nā nīnau i nīnau pinepine ʻia e pili ana i nā haʻawina hale no nā makuahine hoʻokahi, e hāʻawi iā ʻoe i ka pane maikaʻi loa iā lākou āpau.
Eia kekahi, ʻike ʻoe ʻaʻole ʻo nā haʻawina hale wale nō nā haʻawina i loaʻa no nā makuahine hoʻokahi e like me nā haʻawina ʻē aʻe haawina pilikia hiki ke kāpae ʻia kēia.
Table of Contents
Hāʻawi makuahine hoʻokahi no nā papahana hale
Loaʻa nā haʻawina makuahine hoʻokahi no ka hale ma nā ʻaoʻao like ʻole. ʻAʻole mākou i papa inoa i nā papahana maʻamau akā ʻo nā papahana hāʻawi kaulana i loaʻa i kēia manawa no nā makuahine hoʻokahi. Hāʻawi kēia papahana i ke kākoʻo haʻawina a me nā ʻano kōkua hale ʻē aʻe no nā makuahine hoʻokahi a me nā poʻe haʻahaʻa haʻahaʻa.
1. Polokalamu Hāʻawi Hale FEMA no nā makuahine hoʻokahi
Eia ke ano o FEMA; Ke kū nei ʻo FEMA no ka Federal Emergency Management Agency a he hana ia no nā makuahine hoʻokahi i hoʻokuke ʻia a hoʻoneʻe ʻia paha e kekahi pōʻino kūlohelohe e like me ke kahe wai, nā ʻino, a me ka hana ʻino i ka home. Hoʻomaopopo ke aupuni e hiki i nā makuahine hoʻokahi ke loaʻa ke kōkua hale i kā lākou pilikia.
Ke nele i ke kōkua kālā no ka hale, hiki i nā makuahine hoʻokahi ke kelepona iā FEMA no ka loaʻa ʻana o kēia haʻawina. ʻOkoʻa ka nui o ka hāʻawi kālā e like me ka wikiwiki a me nā koi aupuni ʻē aʻe. Ke nalowale ka hale o nā makuahine hoʻokahi, hiki iā lākou ke noi no ke kōkua hoʻōla i ka waikahe e hoʻihoʻi iā lākou i ke ala ma lalo o kēia papahana.
2. Polokalamu Hāʻawi Hale HUD no nā makuahine hoʻokahi
ka HUD ʻo ia ka US Department of Housing & Urban Development nona nā papahana he nui no ka poʻe haʻahaʻa kālā. I ka wā e loaʻa ai i nā makuahine hoʻokahi e hakakā nei me ka hale ka haʻawina mai ka papahana HUD. Hāʻawi kēia ʻoihana aupuni i kālā i ke aupuni kūloko a me nā hui e hōʻoia i hiki iā lākou ke kūkulu i hale no nā makuahine hoʻokahi haʻahaʻa.
Hiki i nā makuahine hoʻokahi ke loaʻa nā haʻawina hale i nā manawa a lākou e nele ai i ka hale i ko lākou pilikia. ʻO ke kaʻina hana noi a me nā pilikia kālā o nā makuahine hoʻokahi e nānā ʻia e ka HUD. No laila, pono ʻoe i nā haʻawina hale? E kelepona i ke aupuni kūloko e pili ana i nā pilikia hale. He ʻokoʻa ka nui o ka hāʻawi kālā e like me ka ʻokoʻa a me ka pono o nā makuahine hoʻokahi.
3. Pauku 8 Papahana Haawi Hale No na makuahine hookahi
Hiki i nā makuahine hoʻokahi e hakakā nei me nā pilikia hale ke loaʻa ke kōkua hale ma o ka Pauku 8 Papahana Hale. Ua kapa ʻia ʻo ia he palapala koho hale e hōʻoia i hiki iā lākou ke noho e like me kā lākou koho. Hele mai kēia polokalamu me ke kōkua hoʻolimalima a kōkua i nā makuahine hoʻokahi e lilo i mea nona ka hale.
Ke makemake lākou i ke kōkua hoʻolimalima, loaʻa iā lākou kahi palapala hōʻaiʻē mai ka HUD i hāʻawi ʻia i nā konohiki ma ke ʻano he uku hoʻolimalima. Makemake ʻoe ma ke ʻano he makuahine hoʻokahi e kūʻai i hale? Loaʻa pū ka palapala hāʻawi pauku 8 koho hale. Hiki i nā makuahine hoʻokahi ke uku ʻia he $2,000 i kēlā me kēia mahina ma ke ʻano he haʻawina e kūʻai i hale i uku ʻia no ke kumu kūʻai hale. ʻO nā mea a pau āu e hana ai, ʻo ia ke hele i ke kaʻina noi e wehewehe ana i kou mau pilikia me ka ʻole o ka hale.
4. ʻO ADDI (American Dream Down Payment Initiative) Polokalamu Hāʻawi Housing no nā makuahine hoʻokahi
E like me kā mākou i ʻōlelo ai ma mua, ʻo ka hale kahi mea e pono ai kēlā me kēia kanaka a i kekahi manawa ke ulu nei kēia pono mai ka hoʻolimalima hale i ka loaʻa ʻana. ʻO ia kahi i hele mai ai ʻo ADDI e pāʻani.
ʻElua ʻano o nā kumukūʻai no kēlā me kēia hōʻaiʻē e kūʻai i hale: ka uku mua a me ka uku pani. ʻO ka pōmaikaʻi, kōkua kēia kahua i nā makuahine hoʻokahi a i ʻole ka poʻe haʻahaʻa kālā e loaʻa kēia kōkua.
ʻO nā koina e pono ai, ʻo ka poʻe noi ke kūʻai mua i ka hale, a ʻo kā lākou hoʻolālā e kūʻai wale i hale. ʻO kekahi kumu ʻē aʻe ʻaʻole pono ka palena o ka loaʻa kālā o ka mea noi ma mua o 80% o ka loaʻa kālā waena o ka wahi.
Aia kēia kōkua ma muli o ka pono o nā makuahine hoʻokahi, no laila, ʻokoʻa kēlā me kēia.
5. Home Investment Partnership Hoʻohui Housing Programs No nā makuahine hoʻokahi
ʻO ka Home Investment Partnership Program kekahi papahana hāʻawi maikaʻi no ka makuahine hoʻokahi e kūʻai i hale. Loaʻa i nā keʻena mokuʻāina a me nā kaiāulu ke kālā mai kēia kahua e kōkua i nā makuahine hoʻokahi.
ʻAʻole paʻa ka nui o ka hāʻawi ʻana no ka mea e pili ana i ka pono o nā makuahine hoʻokahi. Ua ʻike nui ʻia e hāʻawi kēia hui i $500,000, e hoʻohana ʻia e hoʻokō i ka pono o ka loaʻa ʻana o kahi hale no nā makuahine hoʻokahi.
6. Papahana kokua a'o hale
ʻAʻole hāʻawi ʻia ka Polokalamu Kokua Kūkākūkā Housing akā loaʻa nō ke koho i kēia papahana. Hiki i nā poʻe haʻahaʻa kālā a me nā makuahine hoʻokahi ka mea kūʻai mua a makemake i ka ʻike kikoʻī e pili ana i ke kūʻai ʻana i hale hiki ke hoʻohana i kēia papahana. ʻO ke kōkua ʻōlelo aʻoaʻo mai ka hoʻolilo kālā a i ke kōkua hōʻaiʻē. Ua ʻae ʻia kēia kōkua e ka HUD alakaʻi.
7. ʻO ka Operation HOPE Home Buyers Program
ʻO ka Operation HOPE Home Buyers Program kekahi o nā haʻawina hale i loaʻa no nā makuahine hoʻokahi e hōʻoia i hiki iā lākou ke loaʻa ke kōkua e kūʻai i hale. Eia kekahi, kōkua pū kēia papahana i nā makuahine hoʻokahi e loaʻa i ke kōkua uku, a ʻae ʻia nā hōʻaiʻē FIDC e hoʻokō i kā lākou moemoeā. Aia kahi keʻena manaʻolana kūloko kahi e hiki ai i nā makuahine hoʻokahi, ʻoi aku ka poʻe kūʻai home no ka manawa mua, hiki ke loaʻa ka ʻike hou aku e pili ana i ka papahana.
8. ʻO ka Salvation Army Housing Programs no nā makuahine hoʻokahi
He hui lokomaikaʻi ka Salvation Army e kōkua ana i ka hoʻomohala kaiāulu. No laila hiki i nā makuahine hoʻokahi e noho ana ma ke kaiāulu ke kōkua hale mai kēia hui. Aia nā papahana kōkua hāʻawi like ʻole, a pono e noʻonoʻo ʻia kēia koho. No laila, hiki iā ʻoe ke nīnau i kāu kikowaena Salvation Army kokoke iā ʻoe no ke kaʻina noi.
9. Papahana o na kokua hale hale no na makuahine hookahi
ʻO ke kōkua ʻo Bridge of Home Housing kahi hui e kōkua ana i nā makuahine hoʻokahi me ko lākou pilikia hale. Pono e kiʻi i ka hale hoʻololi a paʻa? Ua mākaukau kēia hui e kōkua i nā makuahine hoʻokahi e loaʻa kahi hale.
10. Ka Papahana Ha'awina Hale 'Ai'e Auhau no na makuahine hookahi
Hiki iā ʻoe ma ke ʻano he makuahine hoʻokahi ke loaʻa i kahi ʻauhau ʻauhau, ʻo ia hoʻi kahi kālā hāʻawi. He ʻike maʻamau ka loaʻa ʻana o ka hapa nui o nā makuahine hoʻokahi i ka liʻiliʻi akā pono e hoʻolilo ʻoi aku ka nui ma mua o nā poʻe ʻē aʻe. Hiki iā lākou ke hele i ka IRS a wehewehe i ko lākou mau pilikia hale, a laila hiki ke hāʻawi ʻia ka hōʻaiʻē ʻauhau no nā makuahine hoʻokahi. ʻO ka mea wale nō e pono ai e loaʻa kēia haʻawina, ʻo ia ka wehewehe ʻana e kūʻai lākou i hale no ka manawa mua, e hoʻomaʻamaʻa i ko lākou ola.
Nā nīnau i nīnau pinepine ʻia e pili ana i nā haʻawina hale no nā makuahine hoʻokahi
Aia nā nīnau i nīnau pinepine ʻia e ka poʻe e nīnau pinepine ai e pili ana i ka hāʻawi ʻana i nā makuahine hoʻokahi no ka hale a me nā alakaʻi loaʻa kālā HUD. Maanei mākou e pane ai i kēia mau nīnau.
Pehea e hana ai kēia mau haʻawina hale noho aupuni no nā makuahine hoʻokahi?
ʻO nā haʻawina hale aupuni nā koho mua no ka poʻe haʻahaʻa kālā a me nā makuahine hoʻokahi. Na ka HUD (The Department of Housing and Urban Development) e mālama i nā haʻawina aupuni no nā hana hale a me kā lākou ʻoihana. paena hāʻawi mau i nā mea hou e pili ana i ka papahana hāʻawi, kōkua hale, a me nā kōkua hoʻolimalima ʻē aʻe no ka poʻe haʻahaʻa. He kanaka haʻahaʻa ʻoe? A laila pono ʻoe e nānā i kēia pūnaewele e hōʻoia i nā papahana a me nā hāʻawi kōkua i hoʻolālā ʻia no ʻoe e like me kou mokuʻāina.
ʻO wai ka mea kūpono no kēia mau haʻawina hale?
Hoʻolālā ʻia nā haʻawina hale noho aupuni no ka poʻe haʻahaʻa loaʻa kahi e hāʻule ai ka hapa nui o nā makuahine hoʻokahi no ka mea ʻoi aku ka pōʻino o ke kaiāulu, a ke hakakā nei lākou me ka ulu ʻana o nā kumukūʻai me kā lākou mau keiki. No laila, hoʻolālā ʻia nā haʻawina hale aupuni no nā makuahine hoʻokahi a i ʻole nā mākua hoʻokahi, ka poʻe me ka hoʻokuke ʻia, a me nā poʻe haʻahaʻa haʻahaʻa.
Aia kekahi mau haʻawina hale kumu ʻē aʻe e hoʻohana ʻia no nā makuahine hoʻokahi?
Hiki i nā makuahine hoʻokahi ke koi i kahi haʻawina no ke kūʻai ʻana i hale a i ʻole ke kūkulu hale. Akā, aia kekahi mau kumu ʻē aʻe e pono ai ka hāʻawi kālā ʻaʻole wale no kahi hale hou a hoʻolimalima paha, akā hiki ke hoʻohana ʻia kēia haʻawina no ka hoʻomaikaʻi ʻana i kahi home a me nā kumu hoʻomaikaʻi home. Hāʻawi pū ke aupuni i nā hōʻaiʻē a hāʻawi i ke kōkua ma ke ʻano he papahana hoʻomaikaʻi hale e hōʻoia i ka hale i ka kaiaola, ʻoi aku ka ikaika o ka ikehu, a lawa no ka noho kūpono a maikaʻi.
Pehea e hiki ai i nā makuahine hoʻokahi ke loaʻa wikiwiki i nā haʻawina hale haʻahaʻa?
Paʻakikī nui ka poʻe Loaʻa Haʻahaʻa i ka wā e pili ana i ka hale no ka mea he nui ke kālā e hoʻoponopono ai kēia pilikia. Hāʻawi ke aupuni i nā kōkua hale like ʻole no kēia mau poʻe. No kēia, hiki iā ʻoe ke hoʻokaʻaʻike aku i ka Public Housing Authority e kiʻi i ke kōkua hale no kekahi o kāu pilikia hale. Nui nā papahana ma laila e noi ai no ka loaʻa wikiwiki ʻana o ka hale haʻahaʻa.
He aha ka loaʻa kālā kiʻekiʻe e hiki ai iā HUD?
Loaʻa i ka HUD kekahi mau alakaʻi no ka wehewehe ʻana i ka loaʻa kālā haʻahaʻa o nā kānaka. He mea nui e aʻo i kēia palena loaʻa kālā ma mua o ka hoʻomaka ʻana no ke kaʻina hana noi a me ke kūpono ʻana no ka HUD. ʻO ka ʻohana e loaʻa ana he $28,100 i kēlā me kēia mahina, ua manaʻo ʻia he haʻahaʻa loaʻa kālā, a ʻo $44,950 i manaʻo ʻia he kālā haʻahaʻa. No laila pono ʻoe e nānā i kāu mau loaʻa kālā e like me nā alakaʻi alakaʻi HUD e ʻae ʻia no ke kōkua hale.
I ka hōʻuluʻulu manaʻo, hiki ke hoʻoholo ʻia nā pilikia hale ma ke noi ʻana i nā haʻawina makuahine hoʻokahi no nā papahana hale, kahi e hiki ai iā ʻoe ke loaʻa ka nui o ke kālā a uku i kāu hoʻolimalima a kūʻai paha i hale hou a i ʻole e hoʻoponopono hou i kahi āu e noho nei i kēia manawa.
He maʻalahi ke kaʻina noi a ʻaʻole lōʻihi ka manawa e ʻae ʻia a hāʻawi ʻia i ka hāʻawi kūpono no nā pono i loaʻa iā ʻoe ma ke ʻano he makuahine hoʻokahi.
