He aha ka hoʻoponopono'āina a pehea ka hana?
Ke hōʻoiaʻiʻoʻoe i ka hōʻai'ē, hiki i ka mea kūʻai ke emiʻole ka pilikia,ʻo ia hoʻi, e loaʻa paha iāʻoe ka hopena maikaʻi.
Pehea nā Kūʻai Kū'ē
Ponoʻia ka'āpana'āina i ka manawa e makemake ai ka mea noi e hōʻoiaʻiʻo i ka nele i kā lākou kālā. Inā hōʻoiaʻiʻoʻoe i kahi waiwai e like me ke kuleana, ke kuleana o kāu mea e hāʻawi nei (e manaʻo ana e ho'ōkiʻoe i ka ukuʻana i ka hōʻai'ē): loaʻa iā lākou ke kuleana kūʻai, kūʻai aku, a hoʻohana i nā mea kūʻai e uku ai i ka hōʻai'ē.
E hoʻohālike i kahi hōʻai'ē hōʻai'ē me kahi aie i hōʻoiaʻiʻoʻoleʻia , kahi e hiki ai i ka mea nāna e hāʻawi aku ke hana ke hana i kāu hōʻai'ē aiʻole e lawe mai i ke kānāwai kū'ē iāʻoe.
Eʻoi aku ka makemake o nā mea kūʻai, ma mua o nā mea'ē aʻe, e hoʻihoʻi i kā lākou kālā. ʻAʻole lākou e makemake e hoʻopiʻi aku iāʻoe, no laila e ho'āʻo lākou e hoʻohana i ka palekana i mea palekana. ʻAʻole lākou e makemake e hana i kāu palekana (ʻaʻole lākou i kaʻoihana, kūʻai, a kūʻai aku i nā hale), akāʻo ia ka manawa maʻalahi o ka pale.
Nāʻano o ka hoʻoponopono
ʻO kekahi waiwai a kāu mea e hāʻawi nei eʻae e like me ke kuleana (a i'āponoʻia e ke kānāwai) hiki ke lilo i mea pale.
Ma keʻano laulā, hāʻawi nā mea hāʻawi i nā waiwai i maʻalahi ka waiwai a lilo i kālā. Eia kekahi laʻana, nui nā kālā i loko o kahi waihona mālama kālā no ka hōʻai'ē:ʻike nā mea kālā i ka nui o ka waiwai, a ua maʻalahi kaʻohi. ʻO kekahi mauʻano likeʻole o ka palekana:
- ʻO nā kaʻa kaʻa
- ʻO kahi waiwai (e like me ka pololei i kou home )
- Kāleka kālā (ʻaʻohe kūpono nā palapala hoʻolālā, akā naʻe he mau kuʻokoʻa wale nō)
- Mīkini a me nā mea hana
- Nāʻaukā kālā
- Nā kulekele pili
- ʻO nā kumukūʻai a me nā hōʻiliʻili
- Nā uku e loaʻa mai ana mai nā mea hoʻohana (nā uku hōʻai'ē)
Inā paha e loaʻa ana iāʻoe kahi kālāʻoihana, hiki iāʻoe ke hōʻoia i kāu waiwai pono'ī (e like me ka home home) ma keʻano he hōʻailona pilikino .
Eʻikeʻoeʻaʻole iʻaeʻia nā pūʻulu hoʻolimalima e like me ka IRA ma keʻano he mea pale.
Ke kaulike i kāu mau waiwai
Ma keʻano laulē, e hāʻawi ana ka mea hāʻawi iāʻoe i lalo o ka waiwai o kāu waiwai i hāʻawiʻia. Hiki ke hoʻokuʻu nuiʻia kekahi mau waiwai. Eia kekahi laʻana, hiki wale i ka mea nāna e uku ke hāʻawi i ka 50% o kāu waihona kālā no ke kālā pale kālā. Ma ia ala, e hoʻoikaika lākou i ka loaʻaʻana o kā lākou kālā a pau inā loaʻa ka waiwai kūpono.
Ke noi mai nei i kahi hōʻai'ē, hāʻawi pinepine nā poʻe hāʻawi kālā i kahi hōʻai'ē eʻaeʻia i ka palena waiwai (LTV). Eia kekahi laʻana, ināʻoe e noi'ē i kou hale, hiki i nā mea hoʻoili ke hāʻawi aku i kahi LTV a hiki i ka 80%. Inā pono kou home he $ 100,000, hiki iāʻoe ke hōʻai'ē i $ 80,000.
Inā loaʻa ka waiwai o kāu mau waiwai i hāʻawiʻia no kekahi kumu, hiki iāʻoe ke hoʻohiki i nā waiwai'ē aʻe e mālama i kahi kālā hōʻai'ē. Pēlā nō, ke kuleanaʻoe no ka nui o kāu loina,ʻoiai inā e kāleka ke kāleka i kāu mau waiwai a kūʻai aku iā lākou no ka emi iho o ka nui o kāu aie. Hiki i ka panakō ke hoʻopuka i ka hana kānāwai e kū'ē iāʻoe e hōʻiliʻili i kahi hapa (ke kālā i ukuʻoleʻia).
Nāʻano Loan
Hiki iāʻoe ke loaʻa nā laikini palekana ma nā wahi likeʻole. Hoʻohanaʻia nā loina no nāʻoihana pāʻoihana a me nā loina pilikino. He nui nāʻoihana hou, no ka mea,ʻaʻole lākou e mālama lōʻihi i ka hanaʻana i ka waiwai, pono e hōʻoiaʻiʻo i nā kuleana pili ( e like me nā mea pilikino e pili ana i nā mea kūʻai ).
I kekahi mau kumu, loaʻa iāʻoe kahi hōʻai'ē, kūʻai aku i kekahi mea, a hoʻohikiʻia e like me ka hoʻopukaʻia i ka manawa like. Eia kekahi laʻana, i loko o nā hoʻopiʻi hoʻopiʻi ola piha i ukuʻia, pono mau ka mea nāna e hāʻawi a me ka mea mālama kālā e hoʻolako i ka pāʻoihana a me ka hōʻai'ē i ka manawa like.
ʻO ke kūʻaiʻiaʻana o ka home kūʻai like: hiki i ka hale ke pale i ka hōʻai'ē, a hiki i ka mea kūʻai ke hele i ka home ināʻaʻoleʻoe e uku. Ināʻoe e noi nei no nā papa hana kūkulu a hoʻololi , hāʻawi nā mea kālā e hoʻohana i kāu waiwai waiwai e mālama ai.
I ka manawa e noi ai i nā hale kūʻai a iʻole nā hale i kūkuluʻia ,ʻo keʻano o ka hōʻai'ē e hāʻawiʻia e pili i ka makahiki o ka home, ke kahua kahua, a me nā kumu'ē aʻe.
Loaʻa kekahi mau hōʻai'ē palekana no nā kānaka me ka hōʻai'ē maikaʻiʻole. ʻO kēia mau uku kālā he uku nui a hoʻohana waleʻia e like me ka hopena hope loa. Hele lākou ma nā inoa likeʻole, e like me ka hoʻoili ukana kaʻa , a me ka hoʻohana pūʻana i ka hoʻohanaʻana i kāu kaʻa e like me ke kāohi. E noʻonoʻo i kēia ukana: ināʻaʻoleʻoe e uku, hiki i kāu mea kūʻai ke lawe i ka kaʻa a kūʻai aku - pinepineʻole e haʻi iāʻoe ma mua.
Kū'ē me kaʻole o ka'āpana'āina
Inā makemakeʻoleʻoe e hōʻalo i ka paleʻai, ponoʻoe eʻimi i kahi mea e hāʻawi ana i ka makemake e hāʻawi i ke kālā ma muli o kāu kaulima (a iʻole kekahi inoa'ē aʻe). Eia kekahi o nā koho:
- Hoʻolālāʻole i nā hōʻai'ē e like me ka laikini pilikino a me nā kāleka kāleka
- ʻO nā loans pūnaewele (pēlā pū me nā hoa ukali) he mau laʻaʻole ia e ukuʻia me nā uku maikaʻi
- Loaʻa iāʻoe kekahi lālā no ka noiʻana iāʻoe no ka hōʻai'ē - e hāʻawi ana i kā lākou hōʻai'ē ma ka hopena
I kekahi mau mea, like paha me ka kūʻaiʻana i kahi home, me ka ukuʻoleʻana i nā mea likeʻole me ka hōʻai'ē (hikiʻole i ka loaʻaʻana o ke kūlana koʻikoʻi ma ka home). Ma nā kūlana'ē aʻe, hiki paha i ke kohoʻana e hana me kaʻole o ke kuleana, akā, e emi ana nā koho aʻaʻoleʻoe e uku i ka uku kiʻekiʻe aʻe .