Ma hope o ka laweʻana o nā Lenders i ka hoʻoponopono'āina, hea ka mea ma hope?
Me ke kālā hōʻai'ē (aiʻole ka hōʻai'ē), kuleanaʻoe no kekahi aie i ukuʻoleʻia, a hiki i ka mea kūʻai aku ke hana i kaʻohiʻana -ʻoiai ma hope o ka hopuʻana i ka palapala hōʻai'ē. Me kahi kālāʻole piliʻole, ma keʻano likeʻole,ʻaʻole i nui ka nui o nā koho i ka mea kūʻai, no laila,ʻoi aʻe ka pilikia o ke kāleka.
Loaʻa nā'āpana kūʻai a me nā kūʻai
Me kekahiʻaelike aie, uaʻaeʻoe e uku e like me ka papa kuhikuhi.
Eia kekahi laʻana, he uku kālā ka uku no ka hāʻawiʻana i nā mahina he 15 a 30 mau makahiki paha. Inā hōʻaloʻoe i ka hanaʻana i nā uku, hikiʻoleʻoe ma ka hōʻai'ē . Ma muli o kāu noi (a me ke kānāwai Moku'āina), hiki i nā mea kālā ke hāʻawi i nā koho he nui no ka hōʻiliʻiliʻana ma kahi pale kālā kālāʻole.
E kiʻi i ka palekana: inā hoʻohanaʻoe i ka palekana no ka'āponoʻia, hiki i nā poʻe hāʻawi kālā ke lawe i ka palekana, kūʻai, a hoʻohana i nā mea i ukuʻia no ka ukuʻana iā lākou iho. ʻO nā hiʻohiʻona maʻamau o kēia hana e pili ana i ka paʻaʻana me nā hōʻai'ē home a me ka laweʻana no nā loina ukiʻole .
Loaʻa: akā naʻe,ʻaʻole e uku mau ka hōʻai'ē i kāu pale aie piha. I ka wā e paʻa ai, hiki ke emi o ka waiwai ma mua o ka hōʻai'ē o ka hōʻai'ē piha, keʻole ka mea i hoʻonāwaliwaliʻia ka mākele hale mai ka wā i hanaʻia ai ke kālā (iʻikeʻia ma lalo o ka wai a ma lalo paha ). ʻO kēlā me kēia koena palekana i kauʻoleʻia -ʻo ia hoʻi ka piliʻana i nā uku a me nā kumu kūʻai e pili ana i ka wā i hoʻopaʻaʻia aiʻole ka waiwai o ka waiwai -ʻo ke koena hapa .
Loaʻa ināʻaʻole paha, hiki i ka mea kūʻai ke hoʻomau i ka ho'āʻoʻana e hōʻiliʻili i ke koʻi ma muli o ka hāʻawiʻana i ka hōʻai'ē aʻaʻole paha.
ʻAʻohe hopena: ināʻaʻole ka'ai'ē e hōʻai'ē i kahi aie, ponoʻole ka mea kūʻai. Pono e hoʻolimalimaʻia kekahi koena o ke koena e ka mea nāna i hāʻawi. ʻO ka hopena,ʻo nā loans i loaʻaʻole i ke kālā,ʻo ia nāʻano loansʻano kiʻekiʻe o nā loina no nā mea hāʻawi kālā.
Ke hāʻawi pinepine neiʻo Banks i nā haʻawina loiloiʻole, akā ke ho'āʻo nei lākou e mālama i ko lākou pilikia. No ka laʻana, hiki paha iāʻoe ke loaʻa i nā hōʻai'ē kiʻekiʻe kiʻekiʻe no ka loaʻaʻole o nā loans, aiʻole nā mea hoʻoili kālā e pono ke koi i ka haʻahaʻa haʻahaʻa no ka hoʻokele waiwai e pale ai iā lākou iho.
Loans Loan
Inā loaʻa kahi hōʻai'ē he loan loiloi, hiki i nā mea hāʻawi kālā ke hoʻomau i ka ho'āʻo a hōʻiliʻili ma hope o kaʻaeʻana. Hiki i ka mea hōʻai'ē ke lanakila ma ka hoʻokolokoloʻana,ʻo ia kekahi hana kū i ke kānāwai eʻae ai iā lākou e hana i nā hana kānāwai'ē aʻe . Nā hana maʻamau o:
- Hōʻiliʻili: hiki ke kūʻai aku iāʻoe i ka mea kūʻai aku e noi i ke kālā, aiʻole hiki i ka mea hāʻawi aku ke kūʻai aku i ka hōʻai'ē i kahi hui e ho'āʻo e hōʻiliʻili
- Ka hoʻopiʻiʻana: hiki i ka mea hāʻawi aku aiʻole i kahi hui pūnaewele ke kuleana e lawe i ke kālā mai kāu uku (ponoʻoe e uku i ka mea'ai'ē) a hiki i ka ukuʻana o kāu hōʻai'ē
- ʻO nā Levi: hiki i nā mea hōʻai'ē ke lawe i nā waiwai i hoʻohikiʻoleʻia e like me ke kuleana i nā mea. Eia kekahi laʻana, hiki i nā mea'ai'ē ke lawe i ke kālā mai kāu waihona kālā aiʻole eʻimi i ka waiwai i kāu waiwai .
He mau palena ko kēia mau koina puʻupuʻu, no laila, e kamaʻilio me kahi loio kūloko inā e ho'āʻo ana nā mea kālā e hōʻiliʻili ma kahi hemahema. Eia kekahi laʻana, hiki i nā mea'ai'ē ke lawe wale i kahi hapa o kāu uku, aʻo kēlā mahele e pili ana i kāu kūlana kālā - maiʻaeʻoe e lawe nui.
Pēlā,ʻaʻole e hiki i nā mea hōʻai'ē ke lawe i ke kālā i kēlā me kēia kālā mai kāu waihona kālā - hiki iāʻoe ke hoʻopiʻi a hoʻokaʻawale i ka nui o nā mea i loaʻa iā lākou.
Keʻikeʻana i nāʻano Loan
E hālāwai pū me kekahi loio kūloko a luna paha o kaʻaha kūkā eʻike inā loaʻa iāʻoe kahi hōʻai'ē kōkua a iʻole kahi hōʻai'ē kōkua. Eia naʻe, hiki iāʻoe ke hoʻohana i kaʻike ma lalo no ka kūkāʻana.
Ua'ōlelo pinepine nā kānāwai Moku'āina i ka hōʻai'ēʻana i kahi hōʻai'ē loiloiʻoleʻole. ʻO Kaleponiʻo ia ka mea iʻike nuiʻiaʻo ka moku'āina hōʻai'ēʻole e lilo i mea paʻakikī no nā mea hāʻawi kālā e noi. ʻO kekahi mau ka'āina e hāʻawi i nā mea kōkua i ka loli i ka pehea o lākou e alualu ai i nā hewa, akā, nui nā mea kālā e koho eʻaeʻole i ka hihia no ka meaʻaʻole i nui ka nui o ka noiʻana i nā mea'ai'ē.
ʻO nā hōʻai'ē kūʻai no kāu hale noho mua e like me ka loaʻaʻanaʻole o nā loans i nā non-recourse states.
ʻO nā kumukūʻai , nā moemoekiʻelua , a me nā "hoʻopiʻi kālā" e hoʻopuka i nā hana loans (ʻoiai inā i loaʻa muaʻoe i kahi kālā hōʻai'ē).
Ma nā'ōlelo'ē aʻe, hiki iāʻoe ke kūʻai i kahi home aʻo ka hōʻai'ē mua,ʻaʻole ia e koi i kahi hōʻai'ē - akā,ʻo nā hoʻoili'ē aʻe e hoʻohana neiʻoe i kēlā'āpana palekana e loaʻa nā loans.
Nā Loan Aʻo a me nā Auhau
I ka wā o ka wā kūpono, hiki ke hoʻololi i kāu kuleana pilikino ma luna o ka loaʻaʻana o kāu uku hoʻolimalima aʻaʻole paha. Ke kūkākūkā nei kā mākou lunaʻauhau i kēia mau kumuhana i kāna mea i kākau ai: Nā hana kūʻai a me nāʻauhau . Eia hou, he mea koʻikoʻi e kamaʻilio pū me ke kūkākūkāʻauhau o ka'āina ma mua o ka waihoʻana iāʻoe i loaʻa nā mea kiko'ī a pau.
ʻO kaʻaʻaʻole i ka'ai'ē he lono maikaʻi ke hiki i ka hoʻoemiʻana i nā hana e hiki i nā mea'ai'ē ke lawe. Eia kekahi, hiki iāʻoe ke loaʻa i kahi pānaʻi kālā kālai'āina i manaʻoʻoleʻia ma muli o ka uku kālāʻole.