Nā Ala e Hoʻonui ai i kāu Kiʻi Kāleki

ʻO ka hoʻomaikaʻiʻana i kāuʻikeʻike kālā hiki iāʻoe ke mālama i ke kālā

ʻO kāu heluʻai'ai'ē he helu nui loa ka hoʻohanaʻana o ka poʻe hāʻawi kālā i ka hoʻoholo a me ka hāʻawiʻoleʻana i ka hōʻai'ē iāʻoe, a me keʻano o ka uku ukupanee a me nā hua'ōlelo o ka hōʻai'ē a me ka hōʻai'ē. ʻO ka lalo i kāu score,ʻo ka liʻiliʻi paha e'āponoʻiaʻoe no nā loina. Inā'āponoʻoe, hiki iāʻoe ke uku i ka uku nui . Ua wāwahiʻia kāu score score i nā heluʻelima:

• Ka Pepa Haʻawina - 35%
• Ka nui o nā uku i kūʻaiʻia - 30%

• Length of Credit History - 15%
• New Credit - 10%
• Keʻano o Credit i hoʻohanaʻia - 10%

Hana i kāu mau uku i ka manawa

ʻO ka mea nui loa e hiki iāʻoe ke hana e mālama i kāu kiʻekiʻe kiʻekiʻe, aiʻole e hoʻomaikaʻi i kāu heluʻanaʻo ka hanaʻana i kāu uku i ka manawa. ʻO ka moʻolelo kuhi ka mea nui loa i hoʻohanaʻia no ka hoʻoholoʻana i kāu helu'ai'ē. ʻO nā uku i loaʻa 30 mau lā aʻoi aku paha ma mua o kāu hōʻikeʻana e hōʻike mai i kāu hōʻike kālā a me ka hopena maikaʻi i kāu helu. ʻO kēia mau manaʻo kūlohelohe ke kau nei ma kāu hōʻike noʻehiku mau makahiki.

E mālama i kāu uku kālā nui ma lalo o ka mana

Me ka hapa hope loa o kāu heluʻai'ai'ēʻo ia ka nui o kāu aie, he mea nui e mālama i ka noiʻana ma lalo o ka mana. Inā loaʻa ka aie nui i kēia manawa, ponoʻoe e ho'ōki i ka noi a me ka hana i ka hoʻohaʻahaʻaʻana i ka pale.

ʻAʻole maʻalahi kēia i kēia manawa, akā,ʻo kahi wale nō e hiki ai ke hoʻonui i kāu aie,ʻo ka ho'ōkiʻana i ka laweʻana a hoʻohanaʻana paha i nā kāleka kāleka a hoʻomau e hana i nā uku kūpono e ho'ēmi ai i kāu kaulike.

Eia hou, makemakeʻoe e noʻonoʻo i ka nui o kāu loina i loaʻa . Eia kekahi laʻana, loaʻa ka nui o nā kāleka kāleka i hoʻonuiʻia, aiʻole e pili kokoke ana i nā palena o ka hopena, e hopena ka hopena i kāu helu. ʻElua kāleka kāleka me kahi hōʻai'ē $ 5,000 a he $ 1,000 pale i kēlā me kēia eʻoi aku ka maikaʻi ma mua o kahi kāleka hoʻokahi me kahi palena $ 2,500 a he $ 2,000 pale.

Hoʻomaʻo i nā Hale Kūikawā

ʻO ka lōʻihi o ka mōʻaukala hōʻailona kekahi mea nuiʻai waiwai nui, no laila, hiki iāʻoe ke kōkua i ka mālamaʻana i nāʻelemakule ma kahi kūkea. ʻOiaiʻoe e makemake e mālama i ka helu o nā kālā i hiki ke mālamaʻia, i kekahi manawaʻoi aku ka hōʻeha i kāu heluʻoi aku e pani i ka'elemakua kahiko ma mua o ka weheʻana, inā paha heʻano nui kaʻoihana.

E mālama iāʻoe i ka weheʻana i nā hōʻaiho hou

ʻOiaiʻo ka hōʻai'ē hou ka mea nui loa i kāu heluʻai, he hopena nui nō ia e noʻonoʻo. Ke kūʻaiʻoe i kahi hōʻai'ē hōʻai'ē a iʻole kālekaʻai paha, e kūʻai i kāu kūʻai i kahi manawa pōkole pili. ʻAʻoleʻoe makemake e hōʻike i kāu hōʻike e nānā mau anaʻoe i ke kālā.

ʻAʻoleʻoe makemake e wehe i nā hōʻike kālā kālā āuʻaʻole makemake e hoʻohana. He mea hoʻoweliweli paha ka loaʻaʻana o ka 10%'ē aʻe i ka wā e wehe aiʻoe i kēlā kāleka kūʻai kālepa hou akāʻo ka hapa liʻiliʻi āu e mālama ai, he meaʻole ia i ka wā e nui ai nā moʻolelo hou e like me kēia.