Ka Hoʻolimalimaʻana i ke kālā ma ka Lending Club
No ke aha e hoʻohana ai i nā kālā kālā P2P?
Loaʻa iāʻoe nā koho inā loaʻa i ka laweʻana.
ʻO nā pānaʻi P2P he mea'ē aʻe. ʻAʻole lākou i emi ma mua o ka uku kālā mai nā brick-and mortar banks, a i kekahi mau mea,ʻoi aku ka maʻalahi o ka hikiʻana iā lākou. He maʻalahi ka hana - hiki iāʻoe ke hana i nā mea āpau pūnaewele (ʻo ia hoʻi heʻoiaʻiʻo no nāʻauwai he nui i kēia mau lā, akā makemake kekahi i nā pepa).
Ma keʻano he mea kūʻai maʻalahi, ponoʻoe e nānā i nā koho a pau a hele me ka mea maikaʻi loa. E hōʻoiaʻoe e hoʻokomo i nā uniona kālepa'āina ma kāu hulina, a me nā mea hoʻoili pūnaewele pūnaewele'ē aʻe'ē aʻe.
Nā kumuhana o ka Lending Club
Loaʻa kahi hōʻai'ē: no ka loaʻaʻana o kahi loina, ponoʻoe e hana i kahi noi ma ka pūnaewele. Ke manaʻo neiʻoe e hiki iāʻoe ke hōʻai'ē, hiki ke hāʻawi kālāʻia kāu kālā i loko o nā lā. Ma nā hihia kūikawā, hiki i nā hebedomaʻelua no nā mea kālā e hoʻolako i kāu hōʻai'ē. Ināʻaʻoleʻoe i loaʻa nā hāʻawi e hoʻopihapiha i 100% o kāu hōʻai'ē, hiki iāʻoe ke koho e lawe i kahi hōʻai'ē "hoʻokaʻa kālā" iʻoi aku ka maikaʻi ma mua o kaʻole.
Nāʻano loans: hiki ke hoʻohanaʻia nā loans no kekahi mea.
Loaʻa nā lawaiʻa pāʻoihana, akā,ʻaʻole no ka hoʻomaka. Ua hoʻohanaʻia kāuʻoihana no nā makahikiʻelua. Inā loaʻa iāʻoe kahi kālā pilikino , hiki iāʻoe ke hoʻohana i ke kālā no kekahi mea āu e makemake ai - me kāuʻoihana liʻiliʻi,ʻoihana olakino, hoʻoikaika home, a me nā mea'ē aʻe. Aia nō, he mau kumu'ē aʻe (ʻaʻole hiki iāʻoe ke hoʻohana i ke kālā no nā hana piliʻole i ke kānāwai, ka hoʻonaʻauao kiʻekiʻe, a me nā kumu hana'ē aʻe).
Ponoʻoe: no ka loaʻaʻana o kahi hōʻai'ē, ponoʻoe ma lalo o 18 mau makahiki a he kanakaʻAmelika, noho noho, a ma kahi visa lōʻihi. E like me ka nui o nā haʻawina, ponoʻoe i kahi kālā e uku ai i ka hōʻai'ē, a pono pahaʻoe e hōʻoia i ka loaʻa (ma ka hoʻolakoʻana i nā palapala e like me W-2 Forms a iʻole kaʻauhauʻauhau, aiʻole ka Lending Club e kapa i kāu mea hana). Ponoʻoe e hoʻohui i kahi pūnaeke kāleka US i ka Lending Club no ka hoʻokupu. E nānā pū ana nō hoʻi ka Lending Club i kāu heluʻai . ʻAʻoleʻoe e pono i ka hōʻai'ē maikaʻi, akā,ʻaʻole i ukuʻia ka noiʻana me ka hōʻai'ē maikaʻi.
Loke Loke: hiki iāʻoe ke hōʻai'ē i kahi $ 40,000 no nā loans a me $ 300,000 no nā pāʻoihanaʻoihana. E ukuʻia kāu hōʻai'ē mai kāu pūnaeke i kākoʻo pūʻia me nā uku o ka malama (keʻoleʻoe e uku ma ka huina, kahi e uku ai i $ 7.00 no ka uku, aʻaʻole maikaʻi maikaʻi). ʻO nā uku kālā e hōʻea i nā makahikiʻekolu a meʻelima makahiki , akā, hiki iāʻoe ke uku i kāu hōʻai'ē me ka ukuʻole i ka uku hoʻopaʻi . Uaʻaeʻiaʻoe e loaʻaʻelua kālā kālā i ka manawa (hiki iāʻoe ke noi no kahi hōʻai'ēʻelua ma hope o kāu hanaʻana i 12 mau manawa ma mua o kāu hōʻai'ē mua).
Ka hōʻikeʻike kālā: ʻo kāu kālā a me nā uku e hōʻikeʻia ana i nā bureaus pili kālā. ʻO kēlā lono maikaʻi ke ukuʻoe i ka manawa, a me ka nūhou maikaʻiʻole ināʻaʻole hiki iāʻoe ke uku. Hiki iāʻoe ke hana i ka hōʻai'ē i kēia mau kālā kālā inā e hanaʻoe i kāu uku i kēlā me kēia mahina, e maʻalahi i ka loaʻaʻana o nā loina nui (e like me kahi home loan) i ka wā e hiki mai ana.
Kālepa Hoʻohaha: ʻaʻole ponoʻoe e hōʻoia i ka pale e'āponoʻia . No nā hōʻai'ē ma luna o $ 100,000, hiki ke koiʻia ka palekana. Mālama kēia i ke kaʻina hana -ʻaʻohe palapala liʻiliʻi, aʻoʻoe (a me ka Lending Club)ʻaʻole e pili i ka waihoʻana a me ka hoʻokuʻuʻana i nā leka , a iʻole e hōʻoiaʻiʻo i nā mea pilikino .
Nā uku: e like me kekahi me'ē, e ukuʻoe i ka ukupanee i ka nui āu e noi ai. Hiki iāʻoe ke hōʻemi i kēlā kumukūʻai ma o ka ukuʻana i ka hōʻai'ē ma ka wikiwiki - hiki ke uku aku ma mua o ka mea liʻiliʻi he ala maikaʻi loa e mālama ai. E uku hoʻiʻoe i kahi origination, kahi 1% a 6% o kāu kālā aie. Eia kekahi laʻana, ināʻoe e hōʻai'ē $ 2,000 a uku i ka 5% origination fee, e ukuʻia ka uku $ 100, a e loaʻa iāʻoe $ 1,900 i kāu waihona. ʻAʻole hiki i ka hapa nui o nā mea noi ke loaʻa ka uku 1% (nā mea'ai'ē me ka uku uku uku 1%). Hiki ke pili nā pili'ē aʻe inā ukuʻoe i ka uku a iʻole ka uku e uku.
Kuleana pilikino:ʻaʻoleʻoe eʻike i ka mea nāna e hāʻawi kālā iāʻoe, aʻaʻoleʻike nā mea hāʻawi kālā iāʻoe. ʻO nā kamaʻilio a me nā nīnau e pili ana i kāu noi e hele i loko o ka Lending Club. ʻO ka Lending Club he ala palekana a he pono ke koi, me ka palekanaʻoihanaʻoihana i kahi. E like me nā manawa a pau, eʻikeʻoe aiaʻoe ma kahi kahua kūpono ma mua o kou hoʻolakoʻana i nāʻike pilikino e like me kāu helu mālama ola.
Nā palapala loiloi: e like me kēia kākauʻana, hiki iāʻoe ke hoʻohana wale i kāu iho -ʻaʻole hiki iāʻoe ke hoʻohui pū a hoʻohana i ka mea hui . Ponoʻoe e kūpono no ka hōʻai'ē ma ka hoʻohanaʻana i kāu mau helu'ai'ē pono'ī, a e pono anaʻoe i kahi kālā kūpono e uku ai i ka hōʻai'ē.