Ponoʻoe e kiʻi i kahi kālā kālā liʻiliʻi? Inā Inā, pehea?
ʻO nāʻoihana liʻiliʻi e hana i 65 pakeneka o nā hanana hou. No kēia kumu, nā lawaiʻa i kēia poʻe kālepa mālama i ka hoʻolālā waiwai.
Loaʻa iʻekolu hapahā o nā pāʻani liʻiliʻi e pono ai ke kālā i nā mahina 12 mua.
ʻO ka huina i hōʻai'ēʻia he $ 1 trillion i ka makahiki 2013, nāʻikepili hou i loaʻa. ʻO ia, $ 585 piliona he loans, he $ 422 piliona ka hōʻai'ē mai nā poʻe kālā i nā uku. ʻO nā mea i koe he mau hōʻailona a hoʻolālā kālā.
ʻO ka hapa nui o nā hui hou e pono $ 10,000 i kēlā me kēia puʻu kālā hoʻomaka. Pono nāʻoihana hi-tech iʻewalu mau manawa. I ka wā i hoʻokumuʻia ai lākou, hoʻolako nā kamaliʻi liʻiliʻi i nā pānaʻi e kūʻai i ka papa inoa, hoʻonui a hoʻoikaika i kā lākou hana. (Source: " Ka Waihona Puʻupuʻu Laikini ,"ʻO nāʻoihanaʻoihana liʻiliʻi.)
Eia nā pono a me nā pilikia o nā kumuhana he nui o nā pānaʻi liʻiliʻiʻoihana.
Banks
ʻO kēia ke kumu kūpono loa inā loaʻa iāʻoe. ʻO kēia kaʻelua o nā kumuhana nui o nā loina no nāʻoihana liʻiliʻi, ma hope o ka loaʻaʻana o ka uku. Loaʻa iā lākou nā haʻawina hoihoi haʻahaʻa ma muli o ka hoʻohanaʻana i nā kālā a ka poʻe waihona e hana i nā loina. Ke hāʻawi aku nei kāu'ake kūloko a me kaʻaha'ai'ē i nā uku maikaʻi loa. (Source: "Ka Waihona Puʻupuʻu Laikini,"ʻO nāʻoihanaʻoihana liʻiliʻi.)
Akā, pono i nā kālā e koi i kahiʻoihana e hōʻike i nā hōʻailona o ka holomua ma mua o ka hāʻawi kālā. He mea kūpono kēia ma muli o ka makemakeʻana o ke kāleka e hoʻihoʻi mai i kāna kālā.
He mea paʻakikī kēia i nāʻoihana liʻiliʻi e hoʻomaka wale nei. Makemake nā'Āina eʻike i kāu i kau i kāu mau kālā pono'ī i kaʻoihana.
Eia hou, makemake lākou i kahi palekana paʻakikī, e like me ka waiwai, nā lako a me nā papa inoa. Ponoʻoe e hoʻolako i kahi hoʻolālāʻoihana kiko'ī e hōʻike ai i kou manaʻo i kou manaʻo. No ka mea hou aku, eʻike i nāʻike haʻawina kālā liʻiliʻi.
Kālepa SBA
Ināʻaʻole hiki iāʻoe ke loaʻa i kahi hōʻai'ē kālā, hiki iāʻoe ke kūpono no kahi hōʻai'ē kālā hoʻolimalima kālā liʻiliʻi. Loaʻa nāʻano likeʻole o nā hōʻai'ē loan. ʻO ka meaʻuʻuku ka microwaina,ʻo ia nā loans i lalo o $ 50,000. Pono pono kaʻoihanaʻoi aku i ka polokalamu 7a no nā hōʻai'ē a hiki i $ 2 miliona. No ka mea hou aku, eʻike i nā Polokalamu Loan SBA.
ʻO nā haʻawina kālā SBA he nui loa ka pepa a me ka manawa eʻai ai. Loaʻa paha ka manawa lōʻihi e loaʻa ai kāu hōʻai'ē. Hiki i kēlā manawa keʻoi aku ka maikaʻi e hoʻonui i kāuʻoihana.
Nā Loina Lokomaikaʻi
ʻO nā Microloans he $ 1,000 a $ 50,000 mau loans me nā hua'ōlelo likeʻole. Ua hanaʻia lākou no ka hoʻomakaʻana, no laila,ʻaʻole lākou eʻimi i kahi moʻolelo o ka pono.
Hāʻawiʻia ka polokalamu Microloan o kaʻoihana liʻiliʻi i nā hana kūponoʻole. ʻO ke kālā hoʻokumu, hoʻonui a me nā keʻena hānai. Makemake ia i ka hōʻai'ē a me nā pono pilikino.
ʻO ka Accion kekahi pūnaewele e hoʻokuʻi ana i nāʻoihana pāʻoihana me nā mea kālā kālā mai nā wahi a puni o ka honua. Hoʻoiho ia i nā wahi a pau mai $ 200 a $ 300,000.
Kiva hiki i nā mea hāʻawi kālā ke hāʻawi i kahi'āpana kālā o nā mea hōʻai'ē. ʻAʻole he kumu waiwaiʻole i hoʻolālāʻia e kōkua i ka poʻe kālepa ma nā wahi lawelawe i lalo i lawelaweʻia ma lalo o ka honua, akā, hiki i nā kamupene liʻiliʻi Hawaiʻi ke hoʻohana. Kiva.Zip e hāʻawi aku i nā loina uku-ukuʻole ināʻoe e hoʻolaha ana i kahi maikaʻi kaiāulu, e like me ka meaʻai meaʻai, kahi hoʻoulu mea kanu o ka'āina, aiʻole ka'āpana momona momonaʻole.
"Hoʻopuka Pākana"
ʻO nā loans o nā pahu pahu pahuhopu ke kumu waiwai loa o nā kālā no ka mea paʻakikī nā noi loan a hoʻolālā i ka manawa. ʻO ka hapa nui o nāʻoihana e hoʻomaka nei e hoʻohana i kā lākou kālā pono'ī, nā hōʻai'ē mai nā hoaaloha a me kaʻohana, a me ka hōʻai'ē kāleka kāleka. ʻO ka pōmaikaʻi, hiki iāʻoe ke loaʻa koke i kekahi o kēia mau loans.
ʻO ka hemahema,ʻo nā loina mai nā hoaaloha a me nāʻohana, ua loiloi i ka manaʻo. ʻO ia no ka mea hiki iā lākou ke hoʻohapu mau loa i kou pilina me lākou.
I ka manawa e lilo ai nā hoaaloha a me kaʻohana i mea kālā, hiki iā lākou ke pili i kāuʻoihana, e hoʻonāukiuki ana. Inā pau kāuʻoihana, hiki iā lākou ke lawe a lawe a lawe iā lākou no kaʻole. Hiki ke koiʻiaʻoe e hāʻawi iā lākou i kāu kaʻa, home, a me nā mea'ē aʻe a pau āu i kūkulu ai no ka pale. Hiki ke loaʻa nā manaʻo kaumaha mai nāʻaoʻao a pau.
ʻO kaʻehiku pakeneka o nā pāʻani liʻiliʻi a pau e hoʻohana i nā kāleka kālā no nā kālā pōkole ʻO ia no ka mea hiki i ka hōʻai'ē kāleka hōʻai'ē ke hoʻolimalima i ka uku no ka waiwai liʻiliʻi, no ka nui o nā uku kumupanee. (Source: "Ka Waihona Puʻupuʻu Laikini,"ʻO nāʻoihanaʻoihana liʻiliʻi.)
Loaʻa ka waiwai i ka home equity equity i hiki iāʻoe ke kākau i kāu uku paneʻe. Eia naʻe, hiki iāʻoe ke lilo i kou home.
Eia kekahi mau manaʻo'ē aʻe no ka uku kālā kālā liʻiliʻi.