He aha ke Kāleʻa Unsecured?
ʻO kahi kāleka kāpae kīnāʻoleʻia he kāleka kālekaʻole e koiʻole ana i kahi kālā palekana e'āponoʻia no ka hōʻai'ē kāleka aiʻole e loaʻa ka palena palena hōʻai'ē. Ke hoʻohana nā kānaka i ka hua'ōlelo "kāleka kāleka," e nānā pinepine lākou i kahi kāleka kāleka i hōʻoiaʻole.
Kāleka Kāleka Loaʻa a me kahi Kāpena Kāleka Unsecured
ʻAʻole i maʻalahi ka loaʻaʻana o nā kāleka hōʻeuʻeuʻole; nui ka hapanui o nā kāleka kāleka ma ka mākeke.
E '' hoʻopaʻa 'ia kekahi kāleka kālā i hoʻopaʻaʻia ma ka inoa, kahi i kapa inoa' ia ai nā kāleka kāleka i kāpae 'ia.
ʻAʻole ia wale nō kaʻokoʻa nui ma waena o nāʻano kālekaʻelua.
Me ka hōʻai'ē kālekaʻole i hoʻolakoʻoleʻia,ʻaʻole kahi waihona hoʻopuka kālā e hiki ke lawe iāʻoe ināʻaʻoleʻoe e uku i kāu kaulike kāleka hōʻai'ē. Ma mua,ʻo nā koho a ka poʻe'ai'ē e hoʻopau hou i nā hana hōʻiliʻili. ʻO kēia me ka hōʻikeʻana i ka pale kaulike i kahi keʻena hoʻolimalima, e nānā ana i kāu pūnaewele i kahi kāpena hōʻai'ē'ē aʻe, e hoʻopiʻi iāʻoe ma ka pā hale, aiʻole e noi i kaʻaha no kaʻaeʻana e hoʻonui i kāu uku .
No ka loaʻaʻana o nā kāleka iʻikeʻia, ma ka hoʻohālikelike, pono e waiho i kahi hōʻailona no ka hōʻai'ē no ka lālā hōʻai'ē, aia i ka mea hoʻopuka kāleka kāleka e kuleana e lawe i ka waihona no ka uhiʻana i ka pale kaulike. Pono e mālamaʻia kahi waihona no nā kāleka kākika i hōʻoiaʻia no ka mea ua manaʻoʻia nā mea noi i mea hōʻeha kālā.
E koho ka hapanui o nā kānaka i kahi kāleka kāleka i hōʻoiaʻole ma luna o kahi kāleka kāleka hōʻoia no ka mea,ʻaʻole lākou e uku i kahi waihona mālama. A ināʻoe e uku nei i kahi kope mālama kālā ma kahi kāleka kākika i hoʻopaʻaʻia, ponoʻoe e uku i ka makahiki makahiki me ka loaʻaʻole o nā pono hou. ʻO nā kalena kālekaʻole i loaʻa i nā kumukūʻai haʻahaʻa a hāʻawi nui i nā polokalamu maikaʻi , nā hiʻohiʻona i loaʻaʻole me kahi kāleka kāleka paʻa.
Pehea e noʻonoʻo ai i kahi Kāleka Kāponoʻole
ʻO nā kānaka me ka hōʻai'ē maikaʻiʻole, no ka hōʻai'ē, a iʻole iʻole i ka mea nāna i waiho i ka banekorupa i ka manawa i hala aku nei, e loaʻa iā lākou ka manawaʻoi loa o ka loaʻaʻana o ka hōʻai'ē kālekaʻole . ʻO ka hapa nui o nā poʻe'ai'ē eʻike i kāu loiloi hōʻailona hōʻeuʻeu i mea e pilikiaʻole aiʻoe e uku i kāu mea e noi ai ma ke kāleka kāleka. ʻO ke kāleka kākika i loaʻa i kāu alaʻoi aku no ka loaʻaʻana o kāu hōʻai'ē ma ke ala a me ke kūpono no kahi kāleka kālekaʻoi aʻe.
Ināʻaʻole hiki iāʻoe ke'āponoʻia no kahi kāleka kāleka i hōʻoiaʻole, e hoʻomaka me kahi kāleka kāleka i hōʻoia. Ma hope o ka hoʻohanaʻana i kāu kāleka kāleka e kū ana no nā mahina he nui, hiki iāʻoe ke hoʻololi i kahi kāleka kāleka unsecured. Ināʻoe, hiki i kāu mea hoʻopuka kelepona kālā ke uku i ka waihona mālama mālama iāʻoe. Hiki iā ia ke lawe i ka 12 a 18 mau mahina e noʻonoʻoʻia no ka kāleka kāleka i hōʻoiaʻoleʻia.
Hiki iāʻoe ke hoʻoikaika i kou kūlana o ka loaʻaʻana o kāu kāleka kālekaʻole ma ka hoʻohanaʻana i ke kāleka hōʻaika mālama pono noʻeono mahina, e lawe mai ana i ke kālā, e uku i kāu mau helu i hala, a me ka hōʻemiʻana i kāu'ai'ē.
Loaʻa paha iāʻoe kahi pili a iʻole hoaloha paha e makemake nei e loaʻa iāʻoe kahi kāleka kāleka hui (unsecured). Ma kēia ka mea e mālama ai iāʻoe mai ka ukuʻana i kahi waihona palekana a hāʻawi iāʻoe i ka hoʻomaikaʻiʻana i kāu helu'ai'ē i hiki iāʻoe keʻaeʻia no kāu kāleka kāleka.