ʻAʻole Kōkua he nui,ʻaʻohe koho maikaʻi
Me ka hōʻai'ē maikaʻiʻole, he mea nui e hoʻomaopopo i kāu mau koho i kaupalenaʻoleʻia; ʻaʻole kūpono maikaʻi, akā, e hiki paha i nā pane maikaʻi. Inā ponoʻoe i ke kālā, ponoʻoe e koho i kahi koho e hiki ke maʻalahi ke neʻeʻana mai ka manawa āu i hoʻi ai ma kou mau wāwae.
E nānā inā hiki iāʻoe keʻae i ka hoʻohanaʻana i nā loans i hōʻoʻoleʻia. Kūleʻa lākou i ka loaʻaʻana o nā kumukūʻai kiʻekiʻe loa (ʻaʻohe mea e kūʻai aku ai ke kāleka) a ua paʻakikī hoʻi iā lākou ke kūpono. E noʻonoʻo inā he palekana kou aʻaʻoleʻaʻole paha - ināʻaʻole he kaulike i loko o kahi home - e kōkua i ka hoʻoikaikaʻana i nā mea hoʻolale kālā e hāʻawi i kekahi kālā.
Pīhoihoi nā kānaka i ka loheʻana e hiki iā lākou ke hoʻohana i ke kaʻa i kālepa. Inā ua ukuʻoe i kahi'āpana maikaʻi o kāu loiloi kālā , hiki paha iāʻoe ke hōʻai'ē ma ka hoʻohanaʻana i kahi hoʻoili ukana kaʻa (e ho'āʻo i ka hōʻai'ē mai kou kāleka aiʻole kaʻaha'aika ma kahi o ka mea kūʻai ukana kūʻai).
ʻAʻole kūpono kēia mau kālā'ē, akāʻoi aku kekahi manawa ma mua o nā loans uku uku a me nā hale kūʻai pā.
E hoʻomanaʻo wale i hiki iāʻoe ke lilo kāu kaʻa ināʻaʻoleʻoe e uku i ka hōʻai'ē. ʻO ia ka mea e mālama iāʻoe mai ka loaʻaʻana a me ka hoʻolimalimaʻana i ka loaʻaʻana o ka loaʻa kālā, aʻo kāu mea loaʻaʻo ia ka mea pono e loaʻa ai i ka'ai'ē.
Hiki i nā mea'ē aʻe āu i loaʻa ke hana i ka hana. E kāhea i kekahi mau kālā a me nā'eiona kālā , aʻike i ka mea e hiki iā lākou ke hana aku iāʻoe (a me nā mea e pilikia ai inā e nele anaʻoe i ka waiwai) ma mua o kou heleʻana me kahi kālā unsecured.
Ke hoʻohana nei i kahi mea hōʻailona
Inā makemakeʻoe eʻaeʻia no kahi hōʻai'ē launaʻole, akā ua loaʻaʻole kāu hōʻai'ē maikaʻi, hiki paha paha e loaʻa me ka kōkua o kahi mea kau inoa. E noi ana kēlā kanaka no ka hōʻai'ē meʻoe, e hoʻolaha ana e uku i ka hōʻai'ē ināʻaʻoleʻoe e hana pēlā. Pono kāu kākoʻo pūnaewele e loaʻa i ke kālā maikaʻi a me ka loaʻa kālā e uku ai i ka hōʻai'ē.
ʻOiai paha he mea maikaʻi ke hoʻohanaʻana i ka mea hoʻomalu, e hoʻomanaʻo i ka pilikia nui o kāu mea hoʻokele. ʻAʻole hiki iā lākou ke noi i kā lākou mau waiwai ma hope o ke kau inoaʻana iāʻoe (no ka mea 100% lākou e pili ana i kāu noi,ʻoiaiʻoʻoe ka mea e hoʻolālā nei e uku).
Inā makemake lākou e kūʻai i kahi home, hikiʻole ke hikiʻole ke ukuʻia kāu loan. Aia kāu pūlima inoa ma ka makau inā loaʻa kekahi mea aʻaʻole hiki iāʻoe ke uku i kāu hōʻai'ē. Inā loaʻaʻoleʻoe i ka hana aʻeha paha (aiʻole kaʻoi aku paha), e hele ka poʻe hāʻawi kālā ma hope o ka pūlima inoa no kekahi koena palekana. Inā hikiʻole i kekahi pūlima ke uku i kāu hōʻai'ē, eʻeha ana kāna hōʻai'ē.
Nā Loans i Unpaʻoleʻia no nā Borrowers me kaʻAʻohe Waiwai
Inā ponoʻoe e noi kālā, aia kekahi mau koho i loaʻa; kekahi mea kōkua i kekahi poʻe hāʻawi kālā i ka hāʻawiʻole i nā hōʻai'ē i nā mea'ai'ē hōʻai'ē hōʻai'ē.
ʻO kēia mauʻanoʻoi loa nāʻanoʻoi aku o ka hihia-hiki i ka hiki ke komo i loko o ka pilikia me kēia mau loans. Ma kekahi mau kumu, e hoʻonui akuʻoe i nā uku a me nā ukupaneʻe ma mua o kāu i noi ai.
"Keʻano lawaiʻa" ka launaʻana o ka poʻe kūʻai i ka hōʻai'ē maikaʻi no ka mea ua makemakeʻole kēia mau mea noi e loaʻa ka hōʻai'ē a ua hoʻohuliʻia e nā mea loiloi nui. E hoʻomanaʻo i kou hikiʻole i kahi mana e hana ai me ka poʻe'ai'ē hōʻai'ē maikaʻi. Nui nā mea i loaʻa iā lākou ma ka hanaʻana ma mua o kāu hana - pēlā e mālama. E hana wale me nā mea hāʻawi kālā, a mālama i nā maka no ka hāʻawiʻana i nā mea maikaʻi loa iʻole eʻoiaʻiʻo.
He mea maikaʻi ia e hōʻoia i kahi noi āu e hana ai e kōkua i ka hoʻomaikaʻiʻana i kāu hōʻai'ē. Loaʻa paha iāʻoe ka pōʻino maikaʻi i kēia lā, akā hiki ke loaʻa ka maikaʻi . Eʻike i ka hōʻikeʻiaʻana o kāu hōʻai'ē i nā pūʻulu hōʻike hoʻoili nui.
Ināʻaʻole,ʻaʻole ia e kōkua iāʻoe e kūkulu i ka hōʻai'ē, a i loko o ka moku hoʻokahiʻoe i ka manawa e makemake aiʻoe e noi kālā.
Peheaʻoe e loaʻa ai i ka mea lawe kālā maikaʻi inā loaʻaʻole kāu hōʻai'ē maikaʻi ? E hoʻomaka i ka nānāʻana i nā mea hāʻawi kālā e like me nāʻaha'āina a me nā uniona kālepa, a me nā pūnaewele nui iʻike nuiʻia e pili iāʻoe i nā mea hāʻawi kālā. Inā loaʻaʻole iāʻoe kahi pōmaikaʻi, nā lole ukana uku uku a me nā hale kūʻai pawn he mea hiki wale nō, akā, he meaʻinoʻole ia.