Hoʻohanaʻia ka hua'ōlelo e pili i nā loans ma waena o nā kānaka. Ma mua o ka hoʻohanaʻana i kahi pūlāwai a kālepa kālā paha, uaʻaeʻoe ma ka loiloi a me ka hana pūʻana e kūkulu i kāu hōʻai'ē pono'ī - me kaʻole o kahi panakū.
ʻO kekahi o kēia mau loans he mea nui loa ia no nā mea a pau.
Nā Loans Loina Pāʻani Pāʻani
I ka wā o Craigslist a me nā pūnaewele like, loaʻa maʻalahi ka kaʻa i hoʻohanaʻia. Akā,ʻaʻole i maʻalahi ka loaʻa kālā. Inā kūʻaiʻoe mai kahi kūʻai kūʻai, hāʻawi lākou (a pāpā paha) i ka hōʻai'ē, a me nā mea'ai'ē a lākou i hoʻonohonoho ai, a ua paʻakikīʻole e hele i waho me kaʻole e hāʻawi i kahi kālā.
Ke lawelawe neiʻoe me kahi mea kūʻai aku, eʻoi aku ka kānalua o ka poʻe hāʻawi kālā. ʻAʻole lākou iʻike i kekahi mea e pili ana i ka kaʻa -ʻoʻoe kou kuleana e noʻonoʻo i ka mea pono. Eia naʻe,ʻike nāʻaina a me nāʻaha kālā i ke kālā e hāʻawiʻia i ka hāʻawi kālā, pēlā lākou e hāʻawi nei i nā loina pāʻani pilikino.
ʻO nā loina pūnaewele kūʻokoʻa likeʻole e pili ana i nā loina pūnaewele maʻamau, akā,ʻae lākou e hele mai me kahi pōkole iki aʻe, aʻaʻole lākou e lōʻihi loa (eʻoi aku ka pilikia o nā moku i kahi kaʻa i hoʻohanaʻia, no laila, makemake lākou e hōʻemi i ko lākou pilikia ).
Kahi e loaʻa ai hoʻokahi
No ka loaʻaʻana o kahi hōʻai'ē pūnaewele pono'ī, ponoʻoe e noi, aʻo ka'āpono e hoʻoholoʻia ma nāʻano likeʻole e pili ana i nā hōʻai'ē:ʻo kāu mau helu'ai'ē a me kāu aie i nā koina kālā loaʻa ; makemake ka mea kūʻai eʻike ua lawa kou kālā e uku ai i ka hōʻai'ē, a uaʻikeʻoe i ka lawe kālā.
Inā hikiʻole iāʻoe ke kūpono, hiki iāʻoe ke ho'āʻo mau i ka hoʻohanaʻana i kahi pūlima inoa .
Nui nāʻaina a me nā hōʻai'ē kālā e hāʻawi nei i kēia mau loans. E hōʻike aku ka wikiwiki iāʻoe i kekahi o nā 'āpana nui ma ke kālepa, akā ponoʻoe ke kūʻai aku i nā kumukū liʻiliʻi. Ināʻaʻoleʻoe e loaʻa kahi luʻupuʻu me kahi pēlā nui, e ho'āʻo i kahi pēlā liʻiliʻi liʻiliʻi a iʻole kaʻaha'elepili , kahi hiki ke hoʻonuiʻia.
Nāʻokoʻa'ē aʻe o "Loan."
I kekahi manawa,ʻo nā haʻawina i waena o nā kānaka ke hana i kahi lanakila lanakila: nui no nā mea hāʻawi kālā (ka mea i loaʻa ka waiwai ma mua o kā lākou hiki i ke kāleka) a me nā mea'ai'ē. Inā loaʻaʻole ka hōʻai'ēʻana o nā mea noi, hiki i nā loans ukiuki ke koho wale nō, inā paha lākou e hele mai me nā uku kiʻekiʻe.
Ke hoʻohana nuiʻia nei nā mea hāʻawi kālā no ka kūʻai kālā kālā. ʻAʻole kūpono nā loans bane no nā waiwai hoʻolimalima, akā,ʻoihana kekahi (a me nā hui) i ka hanaʻana i nā pānaʻi pōkole e kūʻai a hoʻonui i nā waiwai.
'Ahea e hoʻopau ai
Loaʻaʻelua mau ala e loaʻa ai nā loans pāʻani kūʻokoʻa: hoa i nā lawelawe loan a me nā kānaka āu iʻike ai . No ke noiʻana i nā malihini, e kipa aku i kekahi hoa pili i nā mea hāʻawi kālā a noi aku no ka hōʻai'ē. Inā nō pahaʻoe e hoʻokumu i kahi pūnaewele pilikino me kekahi mea āu iʻike ai, hiki i kēia mau pūnaewele ke kōkua me nā palapala loan a me ka lawelawe.
ʻO ka palapala
ʻO ka palapala palapala he kī ia i kahi pānaʻi pili pūʻokoʻa. E hōʻoia i ka weheweheʻia o nā mea a pau ma ke kākau, a maopopo nā mea a pau. ʻOiai paha heʻano paʻakikī, hiki i nā palapala ke pale aku i nā kuhi a me nā puʻuwai puʻuwai ma kēia mua aku.
No ka kākauʻana i kāu hōʻai'ē, e kākau i kahiʻaelike aiʻole e hoʻohana i kekahi mea'ē aʻe. No nā loans nui,ʻoi aku paha ka maikaʻi o ka hoʻohanaʻana i kahiʻaelike i hoʻonohonohoʻia me kaʻoihanaʻoihana - hiki i ka nui ke hele hewa, a ke manaʻo nei nā loina maikaʻi maikaʻi i nā pōʻino.
No nā palapala kālā kāleka pilikino, e huli i ka pūnaewele, e hana me kahi loio kūloko, aiʻole e hoʻohana i kekahi hoa i nā lawelawe pilikino iʻoihana i kēia mau loans. Eia kekahi laʻana, ke kūʻai neiʻo LoanKin i nāʻaelike a me nā uku hana i nā moraki a me nā loina'ē aʻe.