ʻAʻole "Nā Loina Liar wale nō"
Eia naʻe, hikiʻole i kekahi poʻe ke lawe i nā palapala e pono ai. No lākou, uaʻoluʻolu nā haʻawina haʻahaʻa (aʻaʻoleʻole) i nā mea, aʻo ia mau loans i loaʻa i kekahi.
Nā kumu no nā haʻawina haʻawina haʻahaʻa
Aia kekahi mau kumu e hikiʻole paha iāʻoe (a makemake paha) e hāʻawi i kaʻike i kahi mea nāna e hāʻawi. ʻo kahi laʻana:
- ʻO nā kānaka hanahanaʻoihana makemake e hōʻike i ka haʻahaʻa haʻawina no nāʻauhauʻauhau, akā, kēia kāpena i ka noiʻana i nā loina
- He moʻolelo moʻolelo haʻahaʻa o ka poʻe'ōpio, aʻaʻole paha he moʻolelo
- ʻAʻole hiki i nā mea kūʻai pāʻoihana ke hōʻike i kahi ma mua o nā kālā loaʻa (ʻo kekahi mau makahiki he nui ke kumu kūʻai)
- Ka haʻalele i ka loaʻa kālā
- Pono nā mea pilikino e'ōlelo e mālama i kāu kūlana waiwai iāʻoe iho
- Loaʻa ka paʻakikī kaʻike a hoʻonohonohoʻana i nā palapala
- ʻAʻole i kākauʻia kāu kālā a me nā waiwai i kekahiʻano eʻoluʻoluʻia e ka mea hāʻawi
Ka Ponoʻole i ka Palapala Hemolele
Ua pau nā "lā kahiko maikaʻi" o ka māmā maʻalahi. Ma mua o ka hōʻeia kālā i hōʻea i ka 2008, hiki iāʻoe ke haʻi wale aku i kāu mea moraki e hoʻolimalima i ka nui o kāu loaʻa, a inā he nui ka mea i koiʻia. ʻO nā "kālā iʻikeʻia" (iʻikeʻiaʻo "mau loina wahaheʻe")ʻaʻole ia e launaʻole.
Ke koi aku nei ke Keʻena Puke Laa Lapaʻai (Consumer Financial Bureau (CFPB) i kēia manawa no ka hōʻoiaʻana e loaʻa iāʻoe ka uku e uku ai i nā hōʻai'ē i'āponoʻia - ināʻo ka moraki he "hōʻailona". Akā, makemake kekahi poʻe hāʻawi kālā e hana ma kahi mokupanee kūponoʻole.
E nānā i ka nānāʻoleʻana o kēia poʻe hāʻawi i ka hoʻiʻana i ka makahiki 2006 -ʻaʻole lākou makemake i ka hāʻawiʻana i nā loina laina ma o nā helu pololeiʻole.
Eia naʻe, makemake lākou e hana me nā kānaka i loaʻa ka mana e uku (me ka nele i ka hiki ke palapala i kā lākou mau waiwai a me nā waiwai i nāʻano maʻamau).
No ke kūʻana i kēia mau loans, ponoʻoe e lilo i mea hoʻohiwahiwa maikaʻi, aʻo nā mea ma lalo e kōkua iāʻoe.
ʻO ka maikaʻi (a iʻole ka nui)ʻoiaʻiʻo: ʻoiai,ʻo nā haʻawina haʻawina haʻahaʻa haʻawina haʻahaʻa he mea ia o ka wā i hala. Hoʻolālā wale nā mea hoʻolale e hoʻokuʻu i kaʻike liʻiliʻi inā loaʻa iāʻoe nā helu'ai'ē nui (ʻo 720 kahi kahi maikaʻi e hoʻomaka ai). ʻO kēlā'ōlelo, inā he maikaʻi keʻano o nā mea a pau, hikiʻole i kekahi mau hōʻailona ma kāu mau hōʻike kālā e hōʻino i kaʻaelike.
Loaʻa: loaʻa ke kālā kālā i ka loaʻa iāʻoe no ka hōʻai'ē. Akā,ʻoi aku ka lōʻihi o ka poʻe nāna e hāʻawi aku i nā uku kālā no ka loiloiʻana i kāu kālā. Inā hiki iāʻoe ke hana i kāu hihia (ʻoiaiʻaʻole hiki iāʻoe ke hua mai i kahi W2), hiki iāʻoe ke'āponoʻia.
ʻAna:ʻo ka loaʻaʻana o ke dālā kālā e kōkua i kou hihia. Hiki i nā'eneke nui a me nā hoʻokele waiwai ke lilo i "nā mālama" hiki iāʻoe ke komo i loko o ka mālamaʻana i ka uku. Hiki ke loaʻa aku ka lōʻihi o nā mea kūʻai i ka loaʻa inā loaʻaʻoe i nā waiwai.
'Ake kālā: nā mea hāʻawi kālā e like me ka hoʻohaʻahaʻaʻana i ko lākou pōpilikia, aʻikeʻoe i kouʻili i ka pāʻani. Ināʻoe e hōʻemi i ka uku nui , loaʻa iāʻoe nā kūlana kūpono me ka poʻe haʻawina haʻahaʻa haʻahaʻa.
No nā moraki kūikawā, he 20% ka lawa, akā, he 40% aʻoi aʻe paha ke koiʻia me ka poʻe hāʻawiʻole i nā uku. Hiki iāʻoe ke hoʻokau i kēlā pono e hoʻohana i kekahi lā ma hope aku.
ʻO ke kumukūʻai
ʻAʻohe mea e like me ka meaʻai awakea. No ka meaʻaʻoleʻoe e hōʻoia ana i kou hiki ke uku aku me ka hoʻohanaʻana i nā palapala kūikawā, hiki i nā poʻe hāʻawi kālā ke hoʻonui i ka pilikia. Ke lawe nei kēia poʻe hāʻawi kālā i kaʻoihana kūpono ma ka hanaʻana i nā wahi'ā hina. No ka hopena, ua kiʻekiʻe ka uku.
E kali i ka'eneki uku loaʻa i kahi hapa nui o ka hapa nui no kahi haʻawina haʻawina haʻahaʻa. Hiki ke hoʻonui i nā uku hana'ē aʻe. Ināʻoe eʻimi nei i kahi ala maʻalahi e noi ai no kahi hōʻai'ē, hikiʻole paha kēia i ka koho maikaʻi loa (e eli i kēlā mauʻauhauʻauhau a me nā uku paybbs ). Akā, inā e hāʻuleʻoe i nā helu i heluʻia ma luna nei, pono paha kāu koho wale nō a ke uku nei i ke kumukūʻai.