He aha ka palena palenaʻole?
ʻO kou palena palenaʻo ka uku nui ka hiki iāʻoe ke hōʻai'ē. Inā loaʻa iāʻoe kahi kāleka kāleka, hiki iāʻoe ke hoʻolilo i kāu palena kālā. Pēlā nō ia no nā loina'ē aʻe, e like me nā laina kuhi kālā o ka home:ʻo kou palena palena'āina ke kumu wai kālā e hiki ai iāʻoe ke huki mai.
I ka manawa e hoʻohana aiʻoe, ponoʻoe e uku i kāu hōʻai'ē inā makemakeʻoe e lilo i kēlā me kēia helu (inā paha, hiki iāʻoe ke hōʻoia i kāu palena kuhiʻai).
Pehea e pili ai i koʻu helu
ʻO kou palena palena kālā he mea nui o kāu helu'ai'ē. No ka FICO uku'ai'ē (ka papahana i hoʻohana nuiʻia no ka loaʻaʻana o nā loina nui e like me nā moraki a me nā hoʻoili loiloi),ʻo ka "aie aie" he 30% o kāu helu -ʻo ia kaʻaoʻao nuiʻelua .
He aha kaʻike FICO e nānā ana? Ināʻoe e noi kālā nui,ʻikeʻoe ua kūpono. Hoʻokahi ala e hoʻomaopopo ai i ka hopena o ka hanaʻana i kāu ukuʻana ma ka hoʻohālikeʻana i ka nui āu e hiki ai ke hōʻai'ē i ka nui āu e hāʻawi ai.
Ma keʻano maʻamau,ʻoi aku ka maikaʻi o ke noiʻana i kahi hapa o nā mea i loaʻa iāʻoe; 30-35% ke kiʻekiʻe loa e like me kāu e hele ai (no laila inā loaʻa iāʻoe kahi palena aie o $ 1,000, makemakeʻoe e mālama i kāu koena ma lalo o $ 350 a pēlā paha i nā manawa a pau).
Inā makemakeʻoe e hōʻai'ē e like me ka hoʻokuʻuʻana iāʻoe, hiki i nā mea hoʻoili ke hopohopo iāʻoe e paʻi ana iā ia, a hoʻomaka lākou e noʻonoʻo inā ua paʻiʻoe i kahi āpauʻeleʻele a inā e hiki iāʻoe ke hoʻomau i kāu nā uku. ʻOiai, ua hanaʻia kēia a pau e ka lolouila, no lailaʻaʻohe mea e hopohopo wale nei - ke nānā nei ke kamepiula i ka nui o kāu e hoʻohana nei, e hana ana i kekahi pūʻulu, a loaʻa i kahi heluʻai haʻahaʻa.
Ināʻoe e uku piha
He aha inā ināʻoe e uku i kāu kaulike i kēlā me kēia mahina? He hana akamai kēia, akā, e mau ana paha kāu mau helu'ai'ē. ʻO ka mea nui loa ka mea e hāʻawi aku ana kāu mea nāna i hāʻawi (ke kāleka kāleka, aiʻole kāu mea lawe kālā home) e hōʻike pono i nā bureaus nama . Hiki iā lākou ke hōʻike i ke kālā āu e uku nei i kekahi manawa ma mua o ka hikiʻana mai o kāu uku - no laila,ʻaʻoleʻike nāʻaila hoʻokō hōʻai'ē ua ukuʻoe i ke kaulike. ʻO ka hopena, maikaʻi e mālama pono i kāu kaulike ināʻaʻoleʻoe e uku i kahi peni kālā.
Inā makemakeʻoe i ka loaʻaʻana o ka hōʻai'ē kāleka (a ināʻoe eʻoluʻolu i nā pono'ē aʻe o ka hoʻolimalimaʻana me kahi kāleka kāleka), maiʻae i kāu palekana palekana e piʻi kiʻekiʻe. Hiki iāʻoe ke hana i nā uku hou i loko o ka mahina inā makemakeʻoe e hoʻomau i kāu kaulike, aiʻole e hiki iāʻoe ke noi i ka hoʻonui i ka palena kālā e hoʻohālike ai me ka hoʻohanaʻana i ka emi o kāu hōʻai'ē i loaʻa.
Nā Loan Lohi
I ka wā e loaʻa ai i nā loans kikowaena āu e uku haʻahaʻa ai me ka uku maʻamau i kēlā me kēia mahina,ʻaʻole nui ka mea hiki iāʻoe ke hana. Ke lilo hou kāu hōʻai'ē,ʻo ka loiloi loa o kāu hōʻai'ē kālā e pili ana i kāu kālā hōʻai'ē. Akā naʻe,ʻaʻole kēia he nui - uaʻike ka hōʻailona hōʻai'ē i ke kumukūʻai he loansi uku a me nā loina e loli ana (kahi hōʻai'ē, e like me ke kāleka hōʻai'ē).
He mea maʻamau ka loaʻaʻana o nā kaulike kaulike ma luna o nā loans ukiuki ma ka hoʻomaka akā kōkua maoli nō e uku iā lākou i ka manawa.