Inā loaʻa iāʻoe kahi aie nui (inā paha ua loaʻa iāʻoe a inā paha heʻano likeʻole ia), e nānā i nā ala liʻiliʻi e loaʻa ai ke kālā āu e pono ai.
ʻO ka emiʻana i kāu kumukūʻai hoʻolimalimaʻo ia hoʻi, nui kāu mau uku e hōʻemi ai i kāu ukana'ai'ē .
Nā Loan Saʻa
ʻO nā loina pilikino nā loans kahiko mai kahiʻaha aiʻole kaʻaha'ailā . ʻO nā loans iʻoi aku ke kumu kūʻaiʻole ma mua o nā kāleka kāleka, nā pānaʻi uku uku, a me nā loina inoa. Hele mai lākou me ka liʻiliʻi liʻiliʻi , a he mau no ka maʻamau i loko o ke ola o kāu loina - no laila hikiʻoleʻoe ke holo i loko o "teasers" aiʻole ka hoʻonuiʻia o ka hoʻonuiʻana. Pono pono ka ukuʻana i nā uku iʻole eʻole (e manaʻo anaʻoe e hoʻohana i kahi pēlā a me ka'ahapila, e kū'ē i kahi kūʻai ukana uku ); ʻO nā mea a pau āu e uku ai, uaʻokiʻia i ka uku uku.
Me kāu hōʻai'ē pono'ī, e hōʻai'ēʻoe i nā mea a pau e pono aiʻoe e uku i kāu mau kuleana'ē aʻe i kahi puʻu kālā hoʻokahi. A laila hanaʻoe i kēlā me kēia mahina "hoʻokaʻawale"ʻana a hiki i ka ukuʻana o ka hōʻai'ē (ma kahi oʻekolu aʻelima makahiki makahiki , ma keʻano). Me kēlā me kēia mahina, ukuʻia kekahi hapa o ka ukuʻana i ka hōʻemiʻana i ka pale kālā kālā hōʻemi, aʻo nā mea i koe e uhi i nā kumukūʻai hoʻolimalima (ʻikeʻia kēia inoa he amortization ).
He aha inā inā e komoʻoe i kahi kālā? Maikaʻi loa ia. Hiki iāʻoe ke uku i ka hōʻai'ē ma kēlā me kēia manawa me ka ukuʻole .
No ke kauʻana i kahi kālā pilikino, ponoʻoe i kahi kūpono kūpono a me ka loaʻa kālā e uku ai i ka hōʻai'ē. Akā, ʻaʻole ponoʻoe e hōʻoiaʻiʻo i ka pale kauʻupu - ponoʻoe e hoʻohiki e uku akuʻoe,ʻo ia ke kumu i kapaʻia ai kekahi mau inoaʻo "hōʻailona".
Nā Loina'Aiwi kanaka
ʻO nā pānaʻi P2P he hoʻololi i nā loina pilikino. Ma kahi o ke noiʻana mai kahi kāleka aiʻole kaʻahahui kālā, hiki iāʻoe ke ho'āʻo i ka laweʻana mai nā kānaka'ē aʻe . ʻO kēlā mau mea he mau hoaaloha aʻohana paha, aiʻole paha he poʻe malihini'ē aʻe eʻae nei e hāʻawi i nā wahi pūnaewele P2P.
ʻOi aku ka maʻalahi o nā loan P2P no ka loaʻaʻana iāʻoe ka hōʻai'ē kūponoʻole-ʻole iʻole kālāʻaiʻole (ʻoiaʻiʻo,ʻo ia wale nō ka noʻonoʻo e hōʻai'ē inā maopopoʻoe e hiki iāʻoe ke uku). Ma muli o nā hoaaloha a me kaʻohana,ʻaʻole paha he mea nui kāu kālā, akā he mea maikaʻi no ka paleʻana i kāu "mea kūʻai" a me kāu mau pilina. E kau i nā mea a pau i kākauʻia no lailaʻaʻole he mea hōʻailona, a mālama i nā loina nui (e like me nā hoʻoili home) me kaʻaelike ke hihia kekahi mea iāʻoe.
Nā hoʻoili kaulike
Inā he maikaʻi maikaʻi kou, hiki iāʻoe ke noi aku ma nā liʻiliʻi "teaser" ma ka hoʻohanaʻana i nā hāʻawi hāʻawi hoʻoili. Hiki paha iā ia ke weheʻana i kahi pūnaeke kāleka hōʻai'ē hou, aiʻole e loaʻa iāʻoe nā loiloi mai kāu mau helu e kū nei e hāʻawi ana iāʻoe e hōʻai'ē ma 0% APR no nā mahinaʻeono aiʻole.
Hiki ke hoʻoikaika maikaʻi i nā hoʻoili kaulike ināʻikeʻoe he pōkole ka loina. Eia naʻe, hikiʻole iāʻoe ke wānana i ka wā e hiki mai ana, a hiki paha iāʻoe ke mālama i kēlā loina ma nā puke ma mua o kēlā me kēia manawa kūpono.
Hoʻohana i nā hāʻawi i ka palekana kaulike, a hoʻolohe i nā uku e hiki ke holoi i nā pōmaikaʻi a pau.
Kālena Home
Ināʻoe i ka nui o ke kaulike i kou home , hiki iāʻoe ke ho'āʻo i ka noi i kāu home. ʻO ka lua o nā moraki i lawe pinepineʻia me ka liʻiliʻi o nā uku liʻiliʻi (hou, i hoʻohālikeʻia me nā kāleka kāleka a me nā uku kālā'ē aʻe), akā ua lōʻihi loa lākou.
ʻO ka pilikia nui me nā hōʻai'ē home equity,ʻo ia ka pilikia o ka nele i kou home: ināʻaʻoleʻoe e uku e like me kaʻaelike, hiki i kāu mea nāna ke kālā ke hoʻokuʻu iāʻoe i waho a kūʻai aku i kou home . Ma nāʻano he nui,ʻaʻole ia he mea kūpono e lawe - maikaʻi e hoʻohana i nā loans "unsecured" e like me nā loina i'ōleloʻia ma luna nei. ʻO ka mea nui aku, ponoʻoe e uku i nā koina no ka loaʻaʻana o kahi hōʻai'ē home, aʻo ia mau kumukūʻai hiki ke hoʻonui i nā kālā he tausani.
Ka pilikia i ke kūlana?
He mea maʻalahi ka hoʻoholoʻana i ka hōʻai'ē pono no kāu mau mea pono -ʻo ka'āponoʻiaʻo ka mea paʻakikī.
No laila pehea kāu hana ināʻaʻole hiki iāʻoe ke hōʻai'ē?
E hele i ka liʻiliʻi: hiki iāʻoe ke loaʻa ka pōmaikaʻi ma nā kula liʻiliʻi. ʻO kaʻikeʻana o nā uniona hōʻailona a me nā kelepona'āina i kou hōʻai'ē a me kāu kālā, akā, ua maʻalahi paha lākou ma mua o nā megabanks.
E hōʻoiaʻiʻo i ke kuʻuna: ināʻaʻoleʻoe i loaʻa nā kālā a me nā waiwai e hiki ai ke komo i kahi hōʻai'ē, aia kekahi waiwai āu? Hiki paha iāʻoe ke hoʻohana i kēlā mau waiwai me ke'āpono a'āponoʻia no ka hōʻai'ē. E hana me nāʻaha kūikawā a me nā uniona kuhi inā hiki, a hoʻohana i ke kālā mālama kālā ma muli o ka hopena hope loa. Ma kahi pūlālā aiʻole kaʻahahui kālā, hiki iāʻoe ke hoʻohiki i nā waihona kālā, CD, a me nāʻike kālā'ē aʻe e like me ke kālepa.
E hui pū me: hiki i kekahi mea hui pū kekahi ke kōkua iāʻoe e ākea. Ināʻikeʻoe i kekahi me ka hōʻai'ē maikaʻi a me ka kālā maikaʻi, hiki i nā loina ke hoʻohana i ka hōʻai'ē a me ka loaʻa kālā o kēlā mea e'āpono ai i ka hōʻai'ē. Eia naʻe, ke kau neiʻoe i kou kau inoa ma kekahi wahi paʻakikī - ināʻaʻoleʻoe e uku no kekahi kumu, e manaʻo ka mea uku e hōʻai'ē kāu mea hōʻai'ē i nā mea a pau āu i hōʻai'ē ai, me nā uku a me nā ukupaneʻe. He mea nui ka hoʻomaopopoʻana o kāu pūlima inoa i ka pilikia, a maopopo iāʻoe ka nani o ka mea nāna e hui pū meʻoe.
Ke nānā nei i mua
I mea e pale aku ai i ka hōʻai'ē kālā nui i ka wā e hiki mai ana, e hoʻoikaika i kāu kūlana kālā
- Hana i ka hōʻai'ē no kaʻoi aku o ka maʻalahi o ka noiʻana ma nā huaʻoluʻolu
- E mālama i kahi kālā kālā kūikawā i hiki iāʻoe ke uku kālā i nā manawa pilikia
- E hoʻolālā i kāu hoʻolālāʻana i hiki iāʻoe ke ho'ōla kālā i kēlā me kēia mahina a uku i ka hōʻai'ē