Pehea e uku ai nā kālā hōʻai'ē
ʻO nā loans hou a me nā lālā e hiki ke hoʻoili i kāu loina ma nāʻano he nui:
- Hiki iā lākou ke kōkua iāʻoe e kūkulu i ka hōʻai'ē inā loaʻaʻoe i ka uku
- Ua hōʻeha lākou i kāu hōʻai'ē ināʻoe e uku ana i ka wā pōlele a iʻole e loaʻa i ke kālā
- Hoʻoemi lākou i kāu hiki ke hiki iāʻoe ke noi (ʻaʻole paha e pili pololei i kāu helu hōʻai'ē)
- Hāʻawi lākou i ka pōʻino i kou hōʻai'ē i ka wā mua, akā hiki iā lākou ke loli hou ināʻoe e hoʻokaʻawale i ka manawa
Ka Waihona Kūkulu
ʻO kāu loiloi e pili ana i kāu moʻaukala he mea noi. Ināʻoe i hōʻai'ē a uku maikaʻi i nā kālā i ka wā i hala, ua manaʻo ka poʻe hāʻawi kālā e hana likeʻoe i ka wā e hiki mai ana. ʻO ka nui o kāu hanaʻana i kēia (a me ka lōʻihi o kāu hanaʻana),ʻo ka maikaʻi.
ʻO ka laweʻana i kahi hōʻai'ē e hāʻawi iāʻoe i ka manawa kūpono e hoʻihoʻi maikaʻi ai a kūkulu i kou hōʻai'ē. Inā loaʻa iāʻoe kahi hōʻai'ē maikaʻi - aʻaʻoleʻoe i hoʻokumu i ka hōʻai'ē - e hoʻonuiʻia ma kahi o ka manawa me kēlā me kēia mahina i ka uku manawa. Eʻike i nāʻike hou aku i ka pehea e kūkulu ai i ka hōʻai'ē .
Loaʻa i nāʻano loans likeʻole ke kōkua i kou hōʻai'ē. ʻO 10% o kāu FICO kuhiʻai i kauʻia ma kāu "credit mix," e nānā ana i nāʻano kālā i kāu hōʻike kālā. Ināʻo kāu mau loans a pau he kāleka kāleka, pono paha, akā,ʻoi aku ka maikaʻi o kāu hui inā loaʻa iāʻoe kekahi hoʻoili kālā a iʻole ka hōʻai'ē home.
Mai noiʻoe no ka pono o ka ho'āʻo e hoʻomaikaʻi i kou hōʻai'ē. E kūʻai wale i ke akamai - inā a i ka manawa e pono aiʻoe - a hoʻohana i ke kālā kūpono no ka hana .
Nā Paʻi Manuahi?
ʻOiaʻiʻo,ʻaʻoleʻoe e hana maikaʻi i nā loina ināʻoe e uku ana i ka hopena a hōʻole paha i ka ukuʻana. E emi koke ana kāu mau helu hōʻai'ē, a eʻoi aku ka wāʻoi aku o ka wā e loaʻa ai nā loans hou.
Hiki iā Borrow
ʻO nā loans hou eʻoi aku ka nui aʻe ma mua o kāu mau helu hōʻai'ē - hoʻemi lākou i kāu hiki ke hoʻolimalima.
ʻO kāu hōʻike hōʻike kālā hōʻike i nā loina a pau āu e hoʻohana nei, a me nā uku makahiki e pono ai. Inā noiʻoe no kahi hōʻai'ē hou, e nānā nā mea kālā i kāu mau malama o ka malama a me ka hoʻoholo inā paha lākou e manaʻo e hiki iāʻoe ke uku hou. No ka hanaʻana pēlā, ke helu nei lākou i kahi hōʻai'ē i ka lakene i loaʻa , e haʻi ana iā lākou i ka nui o kāu kālā mālama kālā eʻaiʻia e kāu uku mahina. ʻO ka liʻiliʻi,ʻo ka maikaʻi.
ʻAʻoleʻoe e hōʻai'ē eʻike i ka emiʻana o kāu hōʻai'ē. Inā hōʻai'ēʻoe i kahi hōʻai'ē no kekahi (kōkua iā lākou e'āponoʻia e pili ana i kāu hōʻai'ē a me ka loaʻa kālā), e hōʻike ana kēlā hōʻai'ē ma kāu hōʻike kālā . Loaʻaʻoe i 100% no ka ukuʻana i ka hōʻai'ē ināʻaʻole e uku mai ka mea nāna i lawe i ka uku, no laila, e helu nui nā mea kālā e like me ka uku o kēlā me kēia mahina (ʻoiaiʻaʻoleʻoe e uku ana).
ʻO kahi lākihana
ʻO nā loans hou e hoʻonui iki i kāu mau helu hōʻai'ē. Inā he ikaika nui kāu, he pōkole a he meaʻole paha ka lōʻihi. Akā, inā loaʻa iāʻoe ka hōʻai'ē maikaʻi (a iʻole e kūkulu neiʻoe i ka hōʻai'ē no ka manawa mua), hiki i ka lolo ke kumu o ka pilikia - pēlā e pale i ka hōʻai'ēʻana ma mua o kāu noiʻana no kahi kālā "nui" e like me ka hōʻai'ē home.
I kēlā manawa kēia manawa e noi aiʻoe no kahi hōʻai'ē hou, e nānā nā mea hoʻoili kālā i kāu hōʻai'ē. Ke hana lākou pēlā, ua hanaʻia kahi " huli ", e hōʻike ana i kahi mea i huki ai iāʻoe. Hiki i nā nīnau ke hōʻailona he pilikiaʻoe i loko o ke kālā a makemakeʻoe i ke kālā, no laila e huki i kāu helu i lalo. Hoʻokahi aʻelua paha nīnau noiʻiʻaʻole he mea nui, akā, nui nā nīnau e hiki ke hōʻino i kāu helu.
Inā e hele anaʻoe e kūʻai i waena o nā mea hāʻawi kālā - he mea naʻauao, aʻo ia wale nō ke ala e loaʻa ai ka maikaʻi loa - e hana i kāu mau kūʻai i loko o kahi manawa pōkole. Eia kekahi laʻana, inā e kūʻai anaʻoe i kahi home a me ka hoʻohālikeʻana i nā mea hōʻai'ē laikini, hoʻopiha i kāu mau noi a pau i loko o 30 mau lā aiʻole ka liʻiliʻi (e hāʻawiʻia anaʻoe i ka puka hōʻoluʻolu maikaʻi). No nā loans kaʻa, e ho'āʻo e mālama i nā mea i loko oʻelua pule.
E hoʻi i kaʻaoʻao nui ma luna o nā kumu e pili ana i ka hōʻai'ē .