He aha ka Hōʻike Hōʻikeʻike Hōʻikeʻike Hōʻikeʻike?
Mālama nā papa hoʻolālā iāʻoe e hoʻomaopopo i ka hana o nā loina, a hiki ke kōkua iāʻoe e wānana i kāu palekana kūpono a uku paha i nā manawa i ka wā e hiki mai ana.
ʻO kēiaʻikeʻike e kōkua iāʻoe e loiloi inā he kūpono ke noiʻana, ināʻoe e uku i nā aie i ka wā mua, aʻo ka hōʻai'ē hoʻi he mea kūʻai nuiʻole i ka manawa.
He aha ka Hōʻike HōʻikeʻikeʻAmiʻAmelika?
E kaomi i lalo no kahi hiʻohiʻona o ka nānāʻana o kahi hoʻonohonoho hoʻonohonohoʻana , aiʻole e hoʻololi i kekahi mau helu i loko o ka helu hoʻokomo helu pūnaewele a loaʻa kahi papa hoʻonohonoho kūʻokoʻa. Eʻikeʻoe i nā mea i lalo nei.
Uku uku makahiki: e hōʻike ana ka papa i nā uku a pau āu i hana ai,ʻo ia hoʻi kāu mau uku maʻamau i makemakeʻia. Ma waho o ia uku, e lilo kekahi'āpana i ka uku kālā kālā , aʻo ke koena e hoʻohanaʻia no ka ukuʻana i kāu kau'ē kau'ē.
Nā hoʻolimalima kālā: hoʻonuiʻia ka uku i kāu kālā i kēlā me kēia mahina. ʻO kāu koena palekana e hoʻonuiʻia e ka hoʻopiʻi hoʻopuka kālā no ka heluʻana i ka uku ukupaneʻe. Ma nā lālā lōʻihi, hiki iāʻoe keʻike i kaʻaiʻana i ka hapa nui o ka uku i nā makahiki mua.
Ka uku nui: ma hope o kou laweʻana i nā uku hoʻolimalima,ʻo ke koena o kāu uku e hele ai i ka ukuʻana i kāu'ai'ē.
Ponoʻoe eʻike i ka emiʻana o kāu hōʻai'ē hōʻemi i ka wā e hele aiʻoe i loko o ka hoʻonohonoho hōʻemi.
Ka nui o ka pāʻani: kekahi mau papahana hoʻokomo i nā pūnaewele holoʻokoʻa e hoʻonui i ka uku a me nā uku i ka manawa. Eia kekahi laʻana, hōʻikeʻia nā hōʻike hoʻolālā i ka nui o kāu lilo ma ka ukupanee me kēlā me kēia uku - akā, peheaʻoe inā makemakeʻoe eʻike i ka nui o nā uku hoʻolimalima holoʻokoʻa ma mua (a iʻole hope)ʻekolu makahiki o ka hōʻai'ē?
Inā kāu papaʻaina e komo i kahi kolamu no kekahi mea e like me "makemake nui," maʻalahi kaʻike. Ināʻaʻole, hiki iāʻoe ke kope a pasi i kahi pākaukau i kahi pālahalaha a hoʻonui i nā kolamu hou no kēiaʻike.
Nā uku'ē aʻe? ʻO ka hapa nui o nā papa hoʻolālāʻaʻoleʻike i ka uku kālā. Akā,ʻaʻole ia e hiki iāʻoe ke uku hou - a hiki ke helu i ka pōmaikaʻi o kēlā mau uku. No ka hanaʻana pēlā, ponoʻoe e kūkulu i kāu papa hoʻonohonoho amortization , akāʻaʻole paʻakikī e like me ke kani.
Nā uku (e pili ana i ka uku hoʻopaneʻe)? ʻO ka hoʻonohonohoʻana i nā hōʻai'ē manawaʻaʻole i hōʻike i nā uku hou i hiki iāʻoe ke uku ma kāu noi. Eia kekahi laʻana, inā e uku anaʻoe i nā kumukūʻai kumuhana a iʻole nā palena hana'ē aʻe no ka loaʻaʻana o ka moraki, ponoʻoe e loiloi i kēlā mau uku i kahi kaʻawale. ʻO kahi o ka hanaʻana,ʻo ia ke nānāʻana i ka APR hōʻai'ē (i kekahi manawa ke hana hewa ). No nā kālā kālā e ukuʻia nei i kāu kau'ai'ē, hiki iāʻoe ke kūkulu i kāu papa iho a hoʻokomo i nā kumukūʻai - eʻike pehea e Calculate Kāleka Kāpena Kālā a me nā uku .
ʻO ke kohoʻana
Me kaʻike ma luna, hiki ke maʻalahi ke loiloi i nā koho kālā likeʻole (inā paha e hele mai lākou mai nā mea kālā likeʻole, ke koho neiʻoe i waena o kahi hoʻolimalima 15 a 30 paha, aiʻole e hoʻoholo anaʻoe ināʻaʻole e hoʻolimalima hou i kahi loina manawa ), a iā e hoʻoholo inā he loea maoli ka hāʻawiʻana.
ʻO ka hapa nui o nā noi kālāʻaʻole lākou e nānā i ka nui o ka uku a lākou i ka ukupaneʻe - ke nānā wale nei lākou i ka uku kālā pili kālā -ʻaʻole hiki ke nānā i ka kiʻi nui.
Nāʻano Loan
ʻO kahi papa hana hoʻokomo iʻoi aku no nā loina me nāʻano o kēia mau mea:
- ʻO lākou nā puʻu kālā laulā (a iʻole nā manawa pākahi)
- Ua hoʻoholo lākou i nā uku uku
- Ua uku lākou i ka manawa (ʻo ka hana o ka ukuʻana i ka hōʻai'ē ua kapaʻiaʻo "hoʻokō")
- Mālamaʻia ka uku mahina (e ukuʻoe i kēlā me kēia mahina)
ʻO kēia me nā moraki makeki hoʻopaʻa , ka nui o nā loans a me nā loans, nā loans pilikino , nā kālā kālā home , a me nā loans like.
ʻO nāʻano loina'ē aʻe - nā mea loiloi loiloi a me nā laina o ka hōʻai'ē -ʻoi aku ka paʻakikī e hana me. Eia kekahi laʻana, he mea maʻalahi nā kāleka kāleka: hōʻai'ēʻoe aʻoi aku (ʻo kēlā me kēia manawa e kūʻai aiʻoe), a hanaʻoe i nā uku hanaʻole (hiki iāʻoe ke uku i ka liʻiliʻi, i ke kaulike, aiʻole kekahi mea ma waena).
ʻO nā moemoeka hiki ke hoʻololiʻia he mea paʻakikī hoʻi. Hiki ke loli ka pānaʻi kālā ma kekahi wahiʻikeʻole i ka wā e hiki mai ana, no laila ua paʻakikī ke hanaʻana i ka helu hoʻokomoʻana (keʻoleʻoe e hiki keʻike mua i ka hikiʻana).
Ka Papa Hana'Apili
Makemakeʻoe e hōʻai'ē i $ 100,000 ma 6% no 30 mau makahiki i ukuʻia i kēlā me kēia mahina. Pehea eʻike ai kāu hoʻonohonoho hoʻokele? Ma lalo nei eʻikeʻoe i nā lālani 12 he 12 (e hōʻike ana i kāu makahiki makahiki o ka uku) a laila hāʻule i ka hopena o ka hōʻai'ē.
| Mahina | E hoʻomaka ana i Balance | Ka uku hoʻolālā | ʻO ke poʻokela | 'Apupupa | Ka Hopena Palena | Ka nui o nā pono |
| 1 | 100,000.00 | 599.55 | 99.55 | 500.00 | 99,900.45 | 500.00 |
| 2 | 99,900.45 | 599.55 | 100.05 | 499.50 | 99,800.40 | 999.50 |
| 3 | 99,800.40 | 599.55 | 100.55 | 499.00 | 99,699.85 | 1,498.50 |
| 4 | 99,699.85 | 599.55 | 101.05 | 498.50 | 99,598.80 | 1,997.00 |
| 5 | 99,598.80 | 599.55 | 101.56 | 497.99 | 99,497.24 | 2,495.00 |
| 6 | 99,497.24 | 599.55 | 102.06 | 497.49 | 99,395.18 | 2,992.48 |
| 7 | 99,395.18 | 599.55 | 102.57 | 496.98 | 99,292.61 | 3,489.46 |
| 8 | 99,292.61 | 599.55 | 103.09 | 496.46 | 99,189.52 | 3,985.92 |
| 9 | 99,189.52 | 599.55 | 103.60 | 495.95 | 99,085.92 | 4,481.87 |
| 10 | 99,085.92 | 599.55 | 104.12 | 495.43 | 98,981.79 | 4,977.30 |
| 11 | 98,981.79 | 599.55 | 104.64 | 494.91 | 98,877.15 | 5,472.21 |
| 12 | 98,877.15 | 599.55 | 105.16 | 494.39 | 98,771.99 | 5,966.59 |
| ... | ... | ... | ... | ... | ... | ... |
| 354 | 4,114.16 | 599.55 | 578.98 | 20.57 | 3,535.18 | 115,776.07 |
| 355 | 3,535.18 | 599.55 | 581.87 | 17.68 | 2,953.31 | 115,793.74 |
| 356 | 2,953.31 | 599.55 | 584.78 | 14.77 | 2,368.52 | 115,808.51 |
| 357 | 2,368.52 | 599.55 | 587.71 | 11.84 | 1,780.81 | 115,820.35 |
| 358 | 1,780.81 | 599.55 | 590.65 | 8.90 | 1,190.17 | 115,829.26 |
| 359 | 1,190.17 | 599.55 | 593.60 | 5.95 | 596.57 | 115,835.21 |
| 360 | 596.57 | 599.55 | 593.58 | 2.98 | - | 115,838.19 |