ʻO ka Debt Kiʻekiʻe Loa Ma mua o ka Wahi?
ʻO ka'upelika kāleka kāleka maʻamau no kaʻohana US he $ 8,182 i ka mahinaʻo Pepeluali 2018.ʻO ia kahi $ 1.03 trillion ma ka hōʻai'ē kāleka hōʻai'ē i puʻunaueʻia e nā home he 126 miliona. 'Oiho he 0.2 pakeneka i mua o ka mahina ma mua. Uaʻoi aku ka nui o ka $ 1.02 trillion i loaʻa i kaʻApelila 2008.
ʻO ka'uteke kāleka maʻamau no kēlā me kēia kanaka makua (326 miliona) ke $ 3,1. Akā, ināʻoe e hoʻohālike ana i kāu'ai'ē kāleka kāleka i kaʻAmelika maʻamau,ʻo keʻano haʻahaʻa loa ia.
ʻIkeʻia kahi hōʻike kālā a Credit Cards.com hōʻai'ē kāleka hōʻai'ē no nā mākua hānai kālā $ 5,323.
ʻOiaʻiʻo, hāʻawi kekahi poʻe i kā lākou mau kāleka maʻamau i kēlā me kēia mahina. Ināʻoe kekahi o lākou, maikaʻi noʻoe! ʻO kā lākou'ilio haawina i kēlā me kēia mahina he $ 1,154. ʻOi aku ka nui,ʻoi aku ka emi ma mua o ka $ 7,527 ka uku no ka hōʻai'ē no ka meaʻole e uku.
I ka manawa i loaʻa ai iāʻoe kēlā pae, he paʻakikī e uku aku, aʻoi aku kaʻino. ʻO kaʻawelike kuhi kālā no kekahi mea i hele i ka'ōlelo aʻo loiloi he $ 24,000. ʻO ka maʻamau ma nā kālekaʻelima, a he 60 pakeneka o ko lākou waiwai piha no ka makahiki.
Ka wehewehe
ʻO kaʻaʻai kāleka hōʻai'ē ka mahele o ka'ai'ē'ai'ē āu e uku ana i kēlā me kēia mahina. No kēia kumu, uaʻikeʻia hoʻiʻo ia ka hōʻai'ē hōʻeuʻeu. Aia kekahi mau loina ukalālā a me nā pālākī kālā pūʻulu e manaʻoʻia he'aʻa'ē kū'ē'ē,ʻoiaiʻo lākou kaʻaʻai kāleka hōʻai'ē. ʻO ka'ai'ē hōʻai'ē pū kekahi e pili ana i nā loina auto a me ka hoʻonaʻauao.
Nā kumu
Ke manaʻo nei ka hapanui o nā mea kūʻai i ka hōʻai'ē kāleka kāleka ma nā kālepa kūʻai nui. A,ʻo kaʻoiaʻiʻo, ke hoʻolaha nei nā mea kūʻai kūʻai i kaʻike kālā kāleka i meaʻoluʻolu i ka poʻe kūʻai.
Akāʻo ka no.1 kumu o ka banekorupa ke kumu kūʻai mālama ola . ʻO ka hapa nui loa o nā kānaka e hele i mua no kā lākou mau kāleka e uku mua ai i nā uku kālā i manaʻoʻoleʻia.
Keʻike lākouʻaʻole e hiki iā lākou ke uku i nā kumukūʻai kiʻekiʻe, a laila e hoʻomaka ana ka huina kālā hoʻonui. ʻO nā kumumākaʻi olakino kiʻekiʻe i kēia lāʻaʻole kōkua. Pono nā kānaka he mea e hoʻonui i $ 2,000 a $ 5,000 i kā lākou kāleka kāleka hōʻai'ē ma mua o ka hoʻolimalimaʻana i ka uku lāʻau.
ʻO ke Kumukānāwai Lawaiwai Bankruptcy o 2005 he kumu nui'ē aʻe no ka hoʻonuiʻana i ka hōʻai'ē kāleka hōʻai'ē. Ua hanaʻoʻoleʻa ke kānāwai i mea paʻakikī no nā kānaka e haʻi aku i ka banekorupa. He maikaʻi ia no nā kālepa a me nā mea'ai'ē akā ua loaʻa ka manaʻoʻole a me kaʻino no kaʻohana maʻamau. Ua koiʻia lākou e holo i kahiʻaʻai kāleka hōʻai'ē e uku i ko lākou mau pili kālā i kēlā me kēia lā.
Ua piʻi ka hopena i ka makahiki 2008 i ka wā i piʻi aku ai nā kumukūʻai i ka $ 5.00 ma ke galani. Ua uku nā Pula o SUV i $ 200 no ka hoʻopihaʻana i kā lākou mau moku. ʻO nā mea hale iʻoi aku ka nui o nā kāleka i ka manawa i hoʻohana i nā loans ukiuki home a me nā laina kuhi. ʻO kēlā kekahi o nā kumu i hoʻokumu i ka pilikia o ka makahiki 2008 . I ka wā i hāʻule ai nā hale hale,ʻaʻole he kuleana o nā mea hale i ko lākou mau home. ʻO nā mea he nui, i ke aloʻana i nā kīʻaha nui, ua hoʻokauʻia e hele aku, e hoʻokuʻu ana i ko lākou mau home.
Kāpena Kāpena Kāpena Kāleka
'Oi'ē ka hōʻai'ē kāleka'āina nui i $ 1 trillion i ka makahiki 2008. ʻO ia he $ 8,299 ka nui o ka hōʻai'ē kāleka no kaʻohana.
Uaʻoi aku i kahi o ke kolu (38 pakeneka) o ka hōʻai'ē kūʻai aʻAmelika.
| Mahina | Kāpena Kāleka Credit | Keka o ka Uku'A'ē |
|---|---|---|
| ʻOkakopa 2007 | $ 1,001,625 | 38.4% |
| Ianuali 2008 | $ 1,008,309 | 38.5% |
| Feb | $ 1,015,092 | 38.5% |
| Mā | $ 1,018,108 | 38.5% |
| Apr | $ 1,020,697 | 38.4% |
| Mei | $ 1,020,027 | 38.4% |
| ʻAi | $ 1,020,483 | 38.3% |
| Ian | $ 1,019,693 | 38.3% |
| 'Auk | $ 1,017,703 | 38.3% |
| Sep | $ 1,012,608 | 38.1% |
| 'Okak | $ 1,016,902 | 38.2% |
| ʻO Nov | $ 1,010,902 | 38.1% |
| ʻOi | $ 1,003,997 | 38.0% |
| Ianuali 2009 | $ 1,006,740 | 38.0% |
ʻO ka manawa wale nō o ka poʻeʻAmelika i hilinaʻi nui i ka'aʻai'ē kāleka i ka hopena o nā makahiki 1990. He 41% o ka nui. ʻAʻole i emi iho ka nui i loko o kēlā hāpaiʻana, e hāʻule ana i 36 pakeneka o ka hōʻai'ē'ai'ē a pau.
I kēia lā, ua emi ka hōʻai'ē kāleka kāleka i kahi o ka nui o ka aie. ʻO ia kahi hopena ma muli o ka Dodd-Frank Wall Street Reform Act . Ua hoʻonuiʻia nā rula o nā kālā, e koi ana iā lākou e hoʻoikaika i nā kūlana kāleka hōʻai'ē.
Ua hoʻonui ka'Āpana Hoʻomalu Kālepa i nā mea palekana no ka poʻe e hoʻohana ana i nā kāleka kāleka. ʻO ka manawa hope loa a nāʻAmelika i hilinaʻi i kēia mea liʻiliʻi ma ke kāleka kāleka kāleka i ka hopena o nā makahiki 1980 a me nā makahiki 1990.