No ke aha a me pehea e kala ai i ka pūnaewele
Nā Pōmaikaʻi o ka Hoʻopiliʻana i ka Pūnaewele
Pehea e hoʻokaʻawale ai kekahi mea waihona kālā ma ke kāleka āu i hana ai no nā makahiki?
ʻO ka hanauna hou loa o nā mea hāʻawi kālā ke kauʻia nei i ka maʻalahi o ke noi.
Loaʻa kaʻaeʻana: hiki i nā mea kālā ke hāʻawi aku iāʻoe i nā mea aʻoi aku paha iʻole ināʻaʻoleʻoe i'āponoʻia, peheaʻoe e hiki ai ke noi, a me nāʻano o kāu uku. ʻO ka hapa nui o nā pēke kūikawā: hiki iāʻoe ke hoʻopihapiha i kahi noi ma ka pūnaewele, akā hiki paha i kahi manawa e loaʻa ai ka pane (hiki paha i kekahi ke nānā hou i ka noi, a hiki paha iāʻoe ke hele i kahi lālā pilikino).
ʻOi aku ka maikaʻi: ke uku mau nei i ke kālepa a puni, a ke koi pinepine nei nā mea hoʻolale pūnaewele i ka meaʻuʻuku ma mua o kāu ukuʻana ma kahi'ē aʻe. Ponoʻoe eʻike i nā lihi haʻawina haʻahaʻa a me nā uku kula liʻiliʻi (inā loaʻa). ʻO nā loina pūnaewele-manawa wale nōʻaʻole i loaʻa i kahiʻoihana e like me nāʻeke a me nā uniona kālā me nā lālā kino, aʻaʻole lākou e kū'ē i nā kumukūʻai hoʻokahi. ʻO ka hopena,ʻo ia hoʻi, hiki iāʻoe ke uku aku.
ʻO ka hōʻoia o ka'āpono: ua hoʻonuiʻia nāʻaina a me nāʻaha kālā i nā makahiki.
He mea maʻalahi ka loaʻa kālā inā loaʻa iāʻoe ka hōʻai'ē nui . Akā ināʻoe e hoʻonui nei i ka hōʻai'ē a iʻole pahaʻoe i kekahi mau pilikia paʻakikī i kēia manawa,ʻaʻole e hoʻokauʻia e kahi haki FICO maʻamau iāʻoe i nā mea maikaʻi. Hiki i nā mea e hāʻawi ana i nā loiloi kālā ke'āpono i nā haʻawina haʻahaʻa haʻahaʻa a hoʻohana i ka "koho" i nāʻike e loiloi ai i kāu kūleʻaleʻa (e like me ka uku ponoʻole a me nāʻikepili mai kāu pūnaewele pūnaewele).
ʻO nā loans i hōʻanoʻoleʻia: nui loa nā loans pūnaewele iʻole e hōʻoiaʻiʻoʻia ,ʻo ia hoʻi,ʻaʻoleʻoe eʻae i ka'ā'ī e kōkua i kaʻaeʻia . Hiki iā lākou ke palekana aʻe ma mua o ka noi kālā i kāu mau waiwai. Inā hōʻoleʻoe e uku i kahi hōʻai'ē launaʻole, e hāʻule kāu mau helu hōʻai'ē ( ma waena o nā mea'ē aʻe ), akāʻaʻole e hoʻihoʻiʻia kāu kaʻa aʻaʻoleʻoe e kū i ke kuhi.
Pehea e kala ai
Loaʻa ka loaʻaʻana o kahi pūnaewele i ka pūnaewele i like me ka loaʻaʻana o kahi hōʻai'ē ma kahi'ē aʻe -ʻoiai eʻikeʻia paha he maʻalahi. Ponoʻoe e hoʻolako i nāʻike pilikino e like me kāu helu mālama ola a me kāu helu wahi. Ma muli o ka mea nāna e hāʻawi aku, ponoʻoe e hoʻolako i nāʻike kālā (e like me kaʻike e pili ana i kāuʻoihana a me kāu kālā, kāu kālā, a me nā mea'ē aʻe).
No ka hoʻomaka, e koho wale i kahi mea kūʻai a hoʻohana. Pono ke kaʻina hana i kahi o 10-15 mau minuke. No nā manaʻo e pili ana i nā mea hāʻawi kālā, e heluhelu.
Ke Kūʻaiʻana ma kahi kūʻai
ʻO nā loans maikaʻi loa ma ka pūnaewele e loaʻa mai nā mea hāʻawi kālāʻole. ʻO nā hua'ōlelo'ē aʻe,ʻaʻole i hoʻokomoʻia kaʻaha kuʻuna a iʻole kaʻaha'ailā, aʻaʻole hoʻiʻo nā kaona nui āu i lohe ai no kēlā lā kēia lā. ʻO nā mea hōʻai'ē hou e kau waleʻia ana ma ka hanaʻana i kahiʻano loina. ʻAʻole lākou makemake e hāʻawi i nā'auki a me nā waihona mālama kālā, nā kāleka kāleka, a me nā lawelaweʻoihana.
ʻO nā mea hāʻawi kālā mua loa i kēia wahi, he poʻe kōkua pāʻani pāʻani (P2P) , a he mau koho nui no ka noiʻana.
Pono ka Lending Club a me Prosper ma ke poʻo o kāu papa inoa ma ke kūʻaiʻana i nā loina ma ka pūnaewele.
Ua puka akuʻo P2P i nā hōʻai'ē "eBay no nā loans": hiki i kekahi ke noi no ka hōʻai'ē ma o ka hoʻokumuʻana i kahi papa inoa o ka lehulehu e noi ana i ke kālā, a hiki i kekahi ke'ōlelo aku e hāʻawi (e kiʻi i kahi pānaʻi makemake e makemake lākou e loaʻa, me nā kālā e loaʻa kālā nā uku hoʻolālā haʻahaʻa i loaʻa). I ka wā ma mua, ua ulu ka'ōnaehana. I kekahi mau hihia,ʻaʻole nā kānaka e hāʻawi hou aku i nā haʻawina -ʻo nā kālepa a me nā kumu nui'ē aʻe he kumu waiwai kālā ma hope o kekahi mau mea kūʻai ukali koʻikoʻi.
ʻOiai hiki ke hoʻohanaʻia ka Lending Club a me Prosper no kekahi hana, nā mea loiloi hou e ho'āʻo e hāʻawi i kekahi mau loans - a i kekahi manawa eʻoi aku ka maikaʻi inā piliʻoe i kāu kālā i kā lākou lawelawe . No ka laʻana, ua hoʻomakaʻo SoFi i ka hanaʻana i nā loina haumāna (a me nā moraki, nā loans pilikino, a me nā mea'ē aʻe),ʻo Kabbage a me OnDeck e hana i nā loina pāʻoihana.
E huli i nā hāʻawi kālā, hoʻohālikelike i nā hāʻawi, a hele pū me nā mea maikaʻi loa.
ʻOiaʻiʻo, e makemakeʻoe e noiʻi i kekahi mea e hāʻawi nei e hōʻoiaʻoe e hana nei me kahiʻoihana kaulana.
E pale i nā hōʻai'ē uku
I ka huliʻana i nā loans pūnaewele, eʻikeʻoe i nā hualoaʻa he nui no nā loans i nā lālā uku uku . ʻO kēia nā kumukūʻai wā pōkole nui e loaʻa pinepine ai i ka pānaʻi kālā nui. Hiki iāʻoe ke kuhikuhi i kēia mau loans (eʻaeʻia) i kēia mauʻaoʻao:
Nā'ōlelo pōkole loa : e ukuʻia nā uku uku uku no loko o hoʻokahi mahina a pēlā paha. E nānā i nā haʻawina āu e mālama nei i nā mahina ma luna o kekahi mau makahiki (a hiki iāʻoe ke uku i ke kakahiaka me ka ukuʻoleʻia o ka uku hoʻopaʻi )
Loaʻa nā uku pālākiʻi kiʻekiʻe a me nā uku: hou, kūʻai a puni. ʻOi aku kaʻoi aku o nā kumukūʻai uku hoʻolimalima i ka mea kūʻai kālā. Hiki iāʻoe ke loaʻa ke kāleka kāleka a uku i ka 20% APR, a nui nā loans pūnaewele e uku nui ana. Ināʻoe e uku nui aku i kēlā, e loaʻa paha iāʻoe kahi hanaʻino.
ʻAʻohe puka hōʻailona: ʻo kaʻoiaʻiʻo, ponoʻoe i ka maikaʻi (akāʻaʻole nui) no ka loaʻaʻana o kahi kālā kaulike. ʻO ka mea nāna e hāʻawi iāʻoe me ka nānāʻole i kou hōʻai'ē e lilo i mea pilikia - a e manaʻoʻia lākou e ukuʻia no ka loaʻaʻana o ia pilikia.
Nā pane i mua: mai noiʻoe mai kahi mea lawe kālā e koi nei e uku i mua. Hiki i nā mea hoʻoili kālā kūpono ke uku i nā uku, akā, e puka mai kēlā mau uku mai loko mai o kāu kālā i loaʻa. "Kūmua mua" he lapaʻau no nā noi e noi aku iāʻoe e hāʻawi i ke kālā a me ka hāʻawiʻole i kahi mea hoʻi.
Kelehana Lalo
No ka loaʻaʻana o kahi hōʻai'ē nui, ponoʻoe e kūʻai aku a puni, a pono e hoʻokomoʻia nā mea ukiuki i kāu hulina. E pale aku me nā mea hoʻoili waiwai, a pono iāʻoe ke pale i nā pilikia . E hoʻopaʻa me kāu kāleka i kou wā e hele ai, a hele pū me ka mea nāna e mālama iāʻoe. Hoʻomaopopo mau nā Bane i nā lawelawe kūikawā a hiki iā ia ke kōkua iāʻoe e mālama manawa (ināʻaʻole kālā) - akāʻaʻole lākou i kāu manawaʻoi loa e loaʻa ai ke kālā.