Loaʻa iāʻoe kahi uku nui loa
ʻO kahi o nā ala maʻalahi e helu ai i kāu loiloi hoʻoiliʻana ma kaʻikeʻana i kāu kaʻina'ai'ē-i-ka loaʻa .
Hōʻike kēia helu i kāu uku'ai'ē i kēlā me kēia mahina i kā mākou kālā kālā. Hiki iāʻoe ke hoʻokaʻawale i kāu hōʻai'ē hōʻai'ē me ka maikaʻi a me ka hōʻai'ē maikaʻi, aiʻole e hiki iāʻoe ke haʻalele i kahi hōʻai'ē maikaʻi (nā loans haumāna, nā uku moraki). Inā makemakeʻoe eʻike i kāu loiloi hōʻai'ē,ʻoi aku ka maikaʻi o ka heluʻana i ka lakene i ka noʻonoʻoʻoleʻana i ka hōʻai'ē. I kekahiʻaoʻao aʻe, inā makemakeʻoe i kahi hōʻailona o kāu aie, e hoʻokomo i ka maikaʻi a me ka hōʻai'ē maikaʻi .
Ke helu nei i ka puhi luhi
Eia kekahi laʻana, e'ōlelo mākou e makemake anaʻoe eʻike i kāu loiloi hōʻai'ē (ʻo kahi aie wale nō). E hoʻopili wale i ka huina kālā āu e hoʻolilo nei i kēlā me kēia mahina ma kahi hōʻai'ē maikaʻi, e like me nā kāleka kāleka a me nā lawaiʻa, a mahele i kāu kālā i kēlā me kēia mahina. E hoʻonui i kēlā helu ma ka helu 100 e piʻi mai me kahi pakeneka. ʻO ka hopena,ʻo ia ka hapa o kāu'ai'ē loaʻa.
Eia kekahi laʻana, e laweʻoe i $ 3,000 ma ka mahina a liloʻoe i $ 300 no ka uku kāleka kāleka a me $ 450 ma kahi pūnaewele. ʻO kāu hoʻohālikelike kālā he $ 750 / $ 3,000 = 0.25.
Hoʻonuiʻia i kēlā me 100 no ka lakene kālā hōʻai'ē o 25%. Ma kēia hana, hoʻopauʻoe i ka hapahā o kāu kālā ma ka hōʻai'ē maikaʻiʻole.
Inā loaʻa i kahi hōʻai'ē, i ka maikaʻi a iʻole kaʻino paha,ʻo ka haʻahaʻa o kāu aie,ʻo ka maikaʻi. ʻO kahiʻaʻai'ai'ē maikaʻi loa ma mua aʻe o 10% he kiʻekiʻe loa a he pinepine ka hōʻailona e loiloiʻanaʻoe me ka'ai'ē. Ma kēia kūlana, hiki iāʻoe ke lilo i ka hōʻai'ē maikaʻiʻole.
Ka hoʻomaopopoʻana i kāu pauki kālā
Aia kekahi mau manawa e makemake anaʻoe e loiloi i kāu kiʻi pāʻani piha, e like me ka hōʻai'ē maikaʻi a me ka hōʻai'ē maikaʻiʻole. ʻO ka helu helu e like me ia ma mua; ʻo ka mea like wale nō,ʻo ia kāu e hōʻoia ai i kāu hōʻai'ē a pau ma mua o kaʻaeʻana wale nō.
No ka hoʻohālikelikeʻana i ka hōʻai'ē o ka hōʻai'ē'ai'ē āpau a pau, e hoʻonui i kāu hōʻai'ē kālā a pau. ʻO kēia hoʻi nā uku no nā kāleka kāleka, nā pānaʻi haumāna, ka moemoeki a me ka ukuʻana, ke kōkua keiki a iʻole ka pilikino, a me nā hōʻai'ē a me nā kāleka'ē aʻe. ʻO ka hopena hope loa o kāu loaʻa kālā,ʻo ia hoʻi ka uku uku home, kōkua hānai a keiki paha, nā uku, a me nā'āpana.
E hoʻokaʻawale i kāu hōʻai'ē'ai'ē ma o ka nui o kāu kālā (mai hoʻopoinaʻoe e hoʻonui i ka 100) no kāu kaʻina'ai'ē'ai'ē. ʻO kāu hapa nui o ka hōʻai'ē'ai'ē, e nānā ana i ka maikaʻi a me ka hōʻai'ē maikaʻi,ʻoi aku ka maikaʻi ma 36% aiʻole lalo. ʻO ka lālā haʻahaʻa i lalo o 30% he mea maikaʻi loa ia, akāʻo ka lakio ma luna o 40%, he hae haeʻula ia no ka pilikia pili kālā.
Ka hopena
Inā hoʻoholoʻoe he nui kāu aie, hiki iāʻoe ke hoʻohui i kahi hoʻolālā e hoʻohaʻahaʻa i kāu aie . ʻAʻole wale ia e hoʻonui ai i kāu kālā, no ka mea, e hoʻonui ai i kāuʻike .