Nā kumuhana o nā Loans Likikī Kūlohelohe
Ke hōʻoiaʻole kahi hōʻai'ē,ʻaʻohe waiwai a palekana paha e "pale" aiʻole e hōʻoia i ka loina. Eia kekahi laʻana, loaʻa kahi hōʻai'ē moraki me ka waiwai - ināʻaʻoleʻoe e uku i ka hōʻai'ē, pono i kāu mea nāna ke kūʻai aku e kūʻai i kou home a hōʻiliʻili i nā mea āu e uku nei mai loko mai o ke kūʻai kūʻai.
Me ka ukuʻole o nā loans,ʻaʻohe mea kiko'ī i hoʻohikiʻia e like me ke kuleana. Mālama kēia i ka liʻiliʻi loa iāʻoe (ka mea noi) no ka meaʻaʻole hiki wawe nā hopena ināʻaʻoleʻoe e uku.
ʻO nā mea hoʻolimalima, ma kekahiʻaoʻao, e nui aʻe ka pilikia me nā laikini ponoʻole. ʻAʻohe o lākou waiwai e kūʻai aku ai ināʻoi aku ka maikaʻi o nā mea, akā,ʻo ka mea'ē aʻe, loaʻa iā lākou nā koho'ē aʻe inā makemake lākou e hoʻoholo i nā kumukūʻai (hiki iā lākou ke hana i ke kānāwai e kū'ē iāʻoe a ho'āʻo e hoʻonui i kāu uku . Ma muli o ka loaʻaʻana o nā meaʻoi aku ka pilikia o ka poʻe hāʻawi kālā, e uku mau lākou i nā uku pānaʻi nui no nā hōʻai'ē i hoʻopaʻaʻoleʻia ma mua o ka hanaʻana no nā kālā kālā i hoʻopaʻaʻia.
ʻO kāu hōʻai'ē kekahi o nā mea nui loa e hoʻoholo ai inā e loaʻa iāʻoe kahi aie unsecured. Inā he maikaʻi kou, e ukuʻoe i nā uku ukupaneʻe a loaʻa iāʻoe nā koho'ē aʻe i loaʻa iāʻoe. Me ka hōʻai'ē maikaʻiʻole,ʻaʻole hiki iāʻoe ke koho, a hiki paha iāʻoe ke noi pū aku e hōʻoiaʻia no kahi hōʻai'ē.
Nāʻano o nā Lii Unsecured
Nui nāʻano o nā laikini ponoʻole i hoʻopaʻaʻia, aʻo kēlā me kēia mea e hele mai me kahi kūʻai. E ho'āʻo e koho i ka hōʻai'ē e kūpono i kou mau makemake oiai e hoʻemi ana i ka uku.
ʻO nā laikini hōʻailonaʻo ia keʻano nui loa o ka hōʻai'ē unsecured. E like me ka inoa e'ōlelo nei,ʻaʻole i loaʻa iāʻoe kāu inoa -ʻo kāu'ōlelo paʻa e uku.
Hiki ke hāʻawiʻia kēia mau haʻawina ma nā kālā a me nā uniona kālā , a hiki iāʻoe ke hoʻohana i ke kālā no kēlā me kēia mea āu e makemake ai. ʻO lākou keʻano o nā loans i hōʻemiʻia no ka manawa, no laila, e hōʻai'ēʻoe i hoʻokahi manawa a uku i ka uku kū palena manawa a hiki i ka ukuʻana o ka hōʻai'ē. He koho maikaʻi kēia mau haʻawina inā loaʻa iāʻoe ka maikaʻi maikaʻi no ka mea e hele mai ana lākou me kahi kūpono haʻahaʻa. Hiki iāʻoe ke kākoʻo i nā hōʻai'ē hōʻailona e hiki ai iāʻoe ke kūkulu i ka hōʻai'ē no ka mea e maʻalahi a me ka emiʻole i ke kālā. No kāu hōʻailona hōʻailona, e haʻi i kāu kāleka e makemakeʻoe e hōʻai'ē i ke kālā me ka hoʻohanaʻana i kāu kālā pilikino.
ʻO nā kāleka kāleka kekahi ala likeʻole e hōʻai'ē ai. Ke hoʻohanaʻoe i kahi kāleka kāleka, loaʻa iāʻoe kahi loko iʻa e loaʻa. ʻAʻoleʻoe i loaʻa kahi hōʻai'ē ma ka hoʻomakaʻana o ka hōʻai'ē, e like me kāu hana me ka hōʻai'ē hōʻailona. Ma kahi pāʻani, e noiʻoe i kāu mea e pono ai i kēlā me kēia manawa e pono ai . Inā makemakeʻoe i ke kālā hou i ka manawa ma hope, hiki iāʻoe ke hoʻonui i nā mea hou i ke kāleka kāleka (a hiki i kāu palena aie ). Kāleka nuiʻia nā kāleka kāleka no ka mea ua maʻalahi lākou i ka lawe kālā: inā'āponoʻiaʻoe, hiki iāʻoe ke noi ma kahi koke. ʻO ka mea pōʻino,ʻo ke kumukūʻai uku āu e uku nei ma nā kāleka maʻamau e kiʻekiʻe loa. ʻAe, hiki iāʻoe ke loaʻa ka "lāpili teaser" a me ka hōʻai'ē ma 0% no kekahi manawa, akā e pau mau ka hopena.
He mea maʻalahi ka pilikia me nā kāleka kāleka - hiki iāʻoe ke hoʻopau koke i ka ukuʻana i nā haneli kālā no kēlā me kēia mahina ma nā kumukūʻai uku.
No ka loaʻaʻana o kāu hōʻai'ē hōʻai'ē, e nānā i kāu leka uila (i piha kāu pahu kuhi i nā makana inā loaʻa iāʻoe ka maikaʻi maikaʻi) aiʻole e huli i nāʻoihana pāʻoihana.
ʻO nā loans o nā haumānaʻaʻole i mālamaʻia nā loans i hoʻokahoʻia no ke kālā kālā hoʻonaʻauao. Inā he haumanaʻoe, he manawa maikaʻi loa lākou no ka loaʻaʻana o nā loans haumāna e hikiʻole ke loaʻa iāʻoe ma kahi'ē aʻe: nā koho hoʻololi hou, nā manawa aloha , nā kōkua hoʻokele, a me nā mea'ē aʻe. Me kekahi mau loina,ʻaʻohe mea maikaʻi inā loaʻa iāʻoe ka hōʻai'ē maikaʻi. ʻO kahi waleʻana me nā loans a nā haumāna he ponoʻoe e lilo i haumāna.
No ka loaʻaʻana o kahi hōʻai'ē haumāna , e kipa i ke keʻena kōkua kālā ma kāu kula. Na lākou e alakaʻi iāʻoe ma ke kaʻina hana (he nui nā pepa kākau) a kōkua iāʻoe e hoʻoholo i ka mea e hana ai.
Hiki iāʻoe ke noi aku i nā loiloi pāʻani e hiki iāʻoe ke noi mai i nā kānaka, me ka kū'ēʻole i ka laweʻana mai kahi mea lawe'āina e like me kahi'ake. ʻO kekahi mau pūnaewele eʻae iāʻoe e kau i kāu noi noiʻi ma ka pūnaewele, a hiki paha i nā kānaka ke komo i loko a hoʻolilo i kāu kālā. ʻO kēia mau laina, e like me kaʻaelike hōʻailona, e hoʻonohonoho paʻaʻia - nā uku kālā uku, a he mau uku pāʻani hoʻokūkū. Hāʻawi pū lākou iāʻoe e noi i kahi kāleka maikaʻi o ka loli. Eia naʻe, ke pili nei kāu hōʻai'ē i ka nui o nā hihia.
No ka loaʻaʻana i kahi hoa noho no ka pilina hoaʻai, e kipa aku i kahi o nā wahi loina P2P kaulana. ʻO Prosper.com ( hōʻike ) a me ka Lending Club he mau wahi maikaʻi e hoʻomaka ai
Inā he hewa kāu
ʻAʻole hiki iāʻoe ke loaʻa kahi hōʻai'ē launaʻole i ka wā i loaʻa ai iāʻoe ka hōʻai'ē maikaʻi , akā ua paʻakikī. Loaʻa iāʻoe nā koho a nuiʻoe e uku aku i mua o ka mea noi kālā me ka hōʻai'ē maikaʻi. Inā loaʻa iāʻoe kahi haʻawina hoʻolimalima, e aʻo e pili ana i ka loaʻaʻana o kahi hōʻai'ē launaʻole me ka hōʻai'ē maikaʻiʻole . Inā hiki, hiki i ka laweʻana a hiki i kou kūkuluʻana i kāu hōʻai'ē a hiki i kahi e hiki ai iāʻoe ke loaʻa nā loina ma nā'ōleloʻoluʻolu.
ʻOi aku ka maikaʻi e hoʻoikaika i kou hōʻai'ē ma ke noiʻana a me ka hoʻokaʻaʻana i nā hōʻai'ē - hiki i nā liʻiliʻi liʻiliʻi hiki ke hoʻololi. Inā hewa kou hōʻai'ē, e noʻonoʻo e pili ana i ke kūkulu houʻana. E ho'āʻo i kahi kālā liʻiliʻi e mālamaʻia ma ke kālā i loko o ke kāleka no ka loaʻaʻana o kahi hoʻomaha.