Ma muli o ka holoʻana o nā mea, hiki i ke kau inoaʻana no kēlā loina ke kōkua a hōʻeha paha i kāu heluʻai. ʻO kaʻoiaʻiʻo,ʻo ka meaʻoi loa i hiki ke hōʻea, ua hala (a ua halaʻole paha) nā uku ma kahi hōʻai'ē āu i kākau inoa ai.
ʻO kāu hōʻikeʻike kālā
Ke hōʻailonaʻoe, pono e hōʻike i kēlā hōʻai'ē ma kāu mau hōʻike kālā . Ma hope o ka mea a pau, 100%ʻoe e uku ai i ka hōʻai'ē - e like me ke kanaka āu e kōkua nei - ināʻaʻoleʻoe i manaʻo e hana i kekahi uku. E kōkua ana nāʻike kālā i nā mea kālā eʻike i ka nui o ka waiwai e hiki ai iāʻoe ke kūʻai aku, a he mea hiki loa iāʻoe ke uku i nā hoʻoili āu e hōʻailona ai (hiki i ka mea noi ke kuleana, akā nā mea e hopena - nā pohō hana, nā pōʻino kūlohelohe, a hiki i nā pilikia kūkī ke lawe i ka hikiʻole o ka mea hōʻai'ē e uku).
Hiki iā ia ke kaumaha i kēia kaumaha kuhihewa.
ʻIke nā helu heluʻai i nāʻano papahana, aʻo kāu helu ke hopena iāʻoe e launa. Eia kekahi laʻana,ʻo ka heluʻana o nā mahele o ka FICO i ka heluʻana -ʻo ia ka mea he 30% o kāu helu - nānā i:
- ʻEhiaʻoe e noi nei (nui)
- ʻEhia ka nui o kāu loea e loaʻa nei i kēia manawa (ʻo ka haʻahaʻa iʻoi aku ka maikaʻi)
- ʻEhia mau kālā āu e loaʻa nei i nā kaulike (nui nā laikini kāleka nui e hiki ke nānā hewa)
- ʻEhia ka aie o ka haʻawina uku hoʻoili (ʻo nā pānaʻi hōʻai'ē hou e loaʻa i nā kaulike kiʻekiʻe)
ʻO ke kau inoaʻana e hoʻopili i nā mea a pau -ʻaʻole maikaʻi. Inā loaʻa iāʻoe ka hōʻai'ē maikaʻi (e like paha, loaʻaʻoe i kaʻike FICOʻoi aʻe ma luna o 800 a ua loaʻa iāʻoe ka maikaʻi maikaʻi no nā makahiki), hiki paha i ka hopena ke emi iki.
Akā inā he "hoʻokeʻele" liʻiliʻi aʻaʻole i hoʻokumu i ka hōʻai'ē e makemakeʻoe e makaʻala. ʻO kēlā'ōlelo, hiki iāʻoe ke launa pū no kahi hōʻai'ē iāʻoe e kūkulu i kāu hōʻai'ē - e nānā i lalo nei.
ʻAʻole hiki iāʻoe ke noi ma hope o kouʻaeʻana, akā e hoʻohaʻahaʻaʻoe i kāu hiki kālā. Hoʻoponopono nā Lenders i ka hopena o kāu e uku ai ma muli o nā kumu he nui a me kāu heluʻai. Eia kekahi laʻana, ke nānā nei lākou i ka nui o kāu kālā mālama kālā e hiki ai ke uku i nā loans hou (ʻo kāu aie i ka hōʻiliʻili kālā ). ʻO kahi kālā āu i kau inoa ai no ka hōʻemiʻana i ka nānā o ka mea nāna iʻike i ka nui o kou hiki.
ʻO kaʻeuanelio
Ma kaʻaoʻao'ālohilohi, hiki i ke laikiniʻana no kahi hōʻai'ē hiki ke kōkua iāʻoe e hoʻoikaika i kāu hōʻai'ē. He meaʻoiaʻiʻo kēia ināʻaʻoleʻoe i hoʻohana i ka hōʻai'ē i ka wā i hala aku nei a iʻoleʻoe i loaʻa kekahi mau mea kūponoʻole i kāu moʻolelo moʻolālā.
Ke ukuʻia nā pānaʻi i ka manawa, hoʻomaikaʻi ka hōʻai'ē. Ma ka piliʻana i (a me ka hopohopo no) kahi kālā i uku maikaʻiʻia e hiki ke kōkua. Eia naʻe, inā he mau palena hopeʻole - aiʻole ināʻaʻoleʻoe e'ai'ē me ka mea'ai'ē'ē aʻe ma ka hōʻai'ē - e ukuʻoe i ke kumukūʻai inā he kuleana wale nōʻoe no ka hōʻai'ē.
ʻO kekahi kumu e kōkua ai ke kākoʻoʻana iāʻoe e kūkulu i ka hōʻai'ē ma ke kālepa Mix Mix o kāu FICO ukuʻai.
ʻOiaiʻo kēia kāpili wale nō he 10% o kāu helu, nā kōkua liʻiliʻi a pau. Ke nānā nei ke kālepa Mix Mix i nāʻano loina āu i hoʻohana ai. Ināʻoe e lawe wale me nā kāleka kāleka (aiʻole ka laina pūnaewele no nā kāleka kāleka),ʻaʻoleʻoe e hoʻonui i ka holomua. Akā inā piliʻoe i nā kālā kālā'ē aʻe likeʻole e like me nā loans auto a me nā loans home, e hoʻoikaikaʻoe i ka hui pūʻulu ma kāu pūnaeke kālā - a he mea maikaʻi kēlā.
ʻO ka mea nui loa
Ināʻoe e hopohopo e pili ana i ka palekana i kāu helu aiʻole e hoʻomaikaʻi i kou hōʻai'ē,ʻo ka mea nui loa,ʻo ka ukuʻana i nā manawa a pau. Ināʻoe he co-signer,ʻo kāuʻoihana kēia (a me kou pilikia ināʻaʻole ia e loaʻa). E hōʻino nā late pili i ka maikaʻi maikaʻi a hoʻonui nui loa i ka holomua āu e loaʻa nei i ke kūkuluʻana i ka hōʻai'ē.