Hoʻohāleʻa hoʻokahi a hoʻolimalima hou
Kekahi a me ke kūlana
Hoʻomaopopo mauʻia nā uku kālā hōʻai'ē (e hanaʻoe i ka uku hoʻokahi i kēlā me kēia mahina, e like me keʻano).
Ma keʻano like, hiki ke hoʻololi i nā uku kāleka kāleka: koe wale nō ka uku inā hoʻohanaʻoe i ke kāleka, aʻo kāu uku i ukuʻia e hiki ke hoʻololi maʻamau i ka nui o kāu i hala i kēia manawa.
I nā kumu he nui, hoʻokaʻawaleʻia nā hōʻai'ē hōʻai'ē uku, aʻaʻole lākou e loli ana mai kēlā me kēia mahina. Pēlā ka maʻalahi o ka hoʻolālāʻana i mua e like nō kāu mau uku o ka malama. Me nā loans liʻiliʻi-ʻawelike, hiki ke loli ka pānaʻi kālā ma mua o ka manawa, no laila e hoʻololi kāu uku me ka lihi.
Me kēlā me kēia ukuʻana, hoʻoemiʻoe i kāu kau'ē kau kālā a uku i nā kumukūʻai uku. Hoʻomoeʻia kēia mau koina i kāu helu heluʻana i ka wā i hanaʻia ai ka hōʻai'ē ma ka hana iʻikeʻia he amortization .
ʻO nā loans waihona iʻoi aku ka maʻalahi no ka hoʻomaopopoʻana no ka nui o nā hoʻololiʻana ma hope o ka hoʻokumuʻana, akā, ināʻoe i kau kālā hōʻemi. Eʻikeʻoe (ʻoi aʻe a iʻoleʻole) i ka nui o kāu kālā no kēlā me kēia mahina. Eia nō naʻe, ināʻoe e hoʻonui i nā uku (me kahi'āpana nui nui, e like me keʻano), hiki iāʻoe ke hoʻohaʻahaʻa iho i kāu mau uku me kahi hōʻailona .
No ka heluʻana i kāu mau uku, hoʻohana i ka helu helu hōʻai'ē hōʻemi, aiʻole e aʻo pehea e hana ai i ka pākuhi me ka lima .
Nā Loan Loea a me ka Credit
Ke hoʻohana nei i nā loans kikowaena hiki ke kōkua i kāu hōʻai'ē . ʻO kahi hui maikaʻi o nāʻano likeʻole o ka aie e ho'āla ana i ke alakaʻiʻana i nā helu hōʻai'ē kiʻekiʻe loa, aʻo nā loans o ka hapalua ka hapalua o nā loans.
Kū'ē kēia mau haʻawina e liloʻoe i mea lawe kālā; inā kālāʻoe i nā mea a pau me nā kāleka kāleka e uku nui anaʻoe.
Mai hōʻaleʻa i nā loans haʻawina; e hoʻohana wale i ka mea āu e makemake ai. ʻO kahi hōʻai'ē home, kahi hōʻai'ē haumāna, a me ka loaʻaʻana paha o kahi loiloi kālā. ʻO kekahi mau loans ukiuki hiki ke hōʻeha i kāu hōʻai'ē. Inā hoʻohanaʻoe i nāʻoihana kālā (ma nā hale kūʻai a me nāʻoihana kūʻai kūʻai, e like me kēia), e hāʻule paha kāu helu'ai'ē.
Ke kūkulu a me nā Lālā Payday
I nā makahiki i hala iho nei, ua lilo nā loans hoʻokaʻawale i mea kaulana i nā mea noi kālā i loaʻa ka hōʻai'ē maikaʻi. Hoʻolimalimaʻia kēia mau haʻawina ma nā hale kūʻai hoʻolaha uku uku a hoʻolahaʻia e like me keʻano e puka ai i loko o kahi kālā kīwī. ʻO ka mea pōʻino, pinepine lākou e pili ana i nā kālā e like me ka uku kālā uku .
Ināʻoe e nānā ana i kahi haʻawina haʻawina i emi iho i ka makahiki, e makaʻala. Aia kahi kūpono e hiki ke loaʻa i kahi hōʻai'ē maikaʻi, a hiki paha iāʻoe ke hana aku me kahi kālā pilikino mai kāu kāleka aiʻole'elepili. Inā hikiʻole iāʻoe ke kūpono no kahi hōʻai'ē mai kahi kāleka'āina aʻaha aku paha , e ho'āʻo i kahi mea hāʻawi kālā a iʻole ka pānaʻi P2P -ʻaʻole hiki ke kūʻai a maʻalahi ka hiki ke loaʻa iā lākou. ʻO ka hopena,ʻo kahi hōʻai'ē hōʻai'ē mai ka mea uku uku uku paha i kāu koho wale nō, akā, hiki i kēia loans ke alakaʻi i ka pilikia.
E nānā no nā uku nui a me nā huahana'ē aʻe, e like me ka inikua,ʻaʻole pahaʻoe e pono.
Ma kaʻaoʻao'ālohilohi, uaʻoi aku ka maikaʻi o nā loans haʻawina i nā pānaʻi uku uku, keʻoleʻoe i loaʻa ka hōʻai'ē mai kahi hale kūʻai uku uku. Hiki iāʻoe ke hana i ka hōʻai'ē ma ke kālā i ka ukuʻana i kāu mau uku i nā bureaus credit (a laila hiki iāʻoe ke ho'ōki i nā hale kūʻai ukana). ʻO kaʻoi aku, ke hana neiʻoe i nā uku maʻamau no ka ukuʻana i nā loans haʻawina haʻawina, ma kahi o ka hopena o ka uku pāpale .
Pēlā i'ōlelo ai, inā e hanaʻoe i nā loans hāmeʻa like i nā uku kālā uku-ināʻoe e hoʻomau i ka hoʻolimalimaʻana no ka hoʻonuiʻana i ka lā hoʻoholo hope loa - eʻikeʻoe i ka ulu nui o kāu'ai'ē.