Ka weheweheʻana o nā Kauoha Loan
- ʻO ka lōʻihi o ka pauʻana o ka hōʻai'ē ināʻoe wale nō e uku i ka uku palena maʻamau i kēlā me kēia mahina.
- Nāʻano o ka loina āu iʻaelike ai i kekahi manawa i kapaʻia ai nā'ōlelo a me nā kūlana.
ʻO ke kele he manawa kālā
ʻO ke kumu mua loa e pili ana i ka manawa : pehea ka lōʻihi o ka hōʻai'ē ((a hiki i ka wā e uku loaʻia ai nā uku maʻamau)?
Hiki iā ia ke holo no kona wā a pau loa. ʻO nā loina he mau lālā pōkole a lōʻihi paha.
Hiki ke maʻalahi keʻikeʻana i kahi manawa kālā. Eia kekahi laʻana, he 30 mau makahiki i hoʻolimalimaʻia i kahi moraki i hoʻopaʻaʻia. Loaʻa i nā manawa kālā 5 a 6 paha mau makahiki,ʻoiai e loaʻa ana nā mea'ē aʻe (nā loans pūnaewele i'ōlelo pinepineʻia i loko o nā mahina, e like me nā loans he 60 mau mahina). Eia naʻe, hiki i nā loans ke hoʻopau no kekahi manawa lōʻihi eʻae aku ai ka mea nāna e hāʻawi a me ka mea'ai'ē eʻae like.
Ma mua o ka hopena o ke kau kālā, pono e ukuʻia ka hōʻai'ē a hōʻano hou paha. Ke loaʻa iāʻoe kahi hōʻai'ē (e like me ka hāʻawi kālā lima makahiki 5), loaʻa pinepine kāu uku kālā i makemakeʻia. E heluʻia kēia uku e uku aiʻoe i ka hōʻai'ē ma luna o ka hopena o ka manawa o ka hōʻai'ē. I ka hopena o ka 5 o ka makahiki,ʻo kāu uku hope e uhi i nā mea a pau āu e uku nei. ʻO keʻano o ka ukuʻana i ka hōʻai'ē ma kēiaʻano, ua kapaʻiaʻo ka hoʻokauʻana .
No ke aha e pili ai: He mea nui ka loina no ka hōʻai'ē: e pili ana i kāu uku mahina a me kāu uku kumukūʻai.
ʻO kahi lōʻihi e ukuʻoe i kēlā me kēia mahina - no laila, ho'āʻo e lawe i nā loans me ka manawa lōʻihi loa (e like pahaʻoe, hiki ke kākauʻia i kahi hōʻai'ē 72-uku ma kahi o ka loilo 60-mahina). Eia naʻe,ʻo ka lōʻihi lōʻihi,ʻo ia hoʻi, e uku akuʻoe i nā uku no ka uku paneʻe no ke ola o kēlā loina. Ma nā'ōlelo'ē aʻe, e uku akuʻoe no nā mea a pau āu e kūʻai nei (ʻaʻole e loilo ke kumukūʻai, akāʻo ka nui āu e uku ai).
ʻO ka wā Loan:ʻO nā loan ka pili pū i ka manawa, akā,ʻaʻole like lākou me kou manawa. Ma muli o keʻano o ka hoʻohanaʻana o ka'ōlelo, hiki paha i kekahi manawa ka manawa pōkole loa ma waena o nā uku o ka mahina a iʻole nā uku hoʻoili kālā. I nā manawa he nui,ʻo ia hoʻokahi mahina. Eia kekahi laʻana, hiki iāʻoe ke loaʻa kahi hōʻai'ē me ka uku makahiki he 12%, akāʻo ka hapa makahiki (aʻo kēlā me kēia mahina) he 1%.
ʻO ka manawa kau kālā hiki ke nānā i nā manawa e loaʻa ai kāu mau loina. No nā hōʻai'ē haumāna, hiki i kahi manawaʻo ka manawa hōʻai'ē ka hōʻailona hōʻule aiʻole kauwela paha.
Nā'Ōlelo a me nā Kūlana o kahi Lālā
Hiki i nā hōʻai'ē kālā ke lilo i nāʻano o kāu loan, i ho'ākākaʻia ma kāuʻaelike aie. Ke hōʻai'ēʻoe i kālā,ʻoʻoe a me kāu mea e uku nei eʻaelike i kekahi mau mea -ʻo "nā hua'ōlelo" o kāu hōʻai'ē. E hāʻawi lākou i kahi kālā, e uku nōʻoe e like me ka manawa i hoʻohuiʻia, a inā i hewa kekahi mea,ʻo kēlā me kēia o kou kuleana a me nā kuleana i heluʻia i loko o kaʻaelike hoʻoili.
ʻO kekahi mau'ōlelo maʻamau e kūpono e nānā i nā mea i heluʻia ma lalo nei.
Ka nui o ka waihona kālā: ʻEhia ka nui o ka uku i ukuʻia ma kāu hōʻai'ē palekana i kēlā me kēia manawa. ʻO kaʻoi aku o ka nui,ʻo ka nui o kāu kālā. He mea nui nō hoʻi eʻike inā he loiloki kūpono ka loiloi āu i loaʻa aiʻole heʻano loli i hiki ke loli ma kekahi wahi i ka wā e hiki mai ana.
Hoʻohālikelikeʻia nā kumukūʻai ma keʻano o ka helu pākēkeli makahiki (APR) , hiki ke hoʻonui i nā kumukūʻai ma waho o nā kumukūʻai.
Uku uku mahina: E helu pinepineʻia kāu uku mahina me ka lōʻihi o kāu loina a me ka uku ukupanee. Eia nō naʻe, he mauʻano likeʻole e helu ai i kāu kālā i koiʻia (e like me nā hōʻai'ē kāleka pinepine e heluʻia ma muli o ka hapa iki o kāu kaulike ). Ponoʻoe eʻike i ka nui o kāu ukuʻana i kēlā me kēia mahina a inā e loli ke kālā. Ponoʻoe e hōʻoia i ka ukuʻana o ka uku i loko o kāu pūlāwaiwai.
Nā hoʻopaʻi hoʻopaʻiʻana:ʻO kaʻokiʻana i kāu kumukūʻai he manawa maikaʻi loa. Inā hiki iāʻoe ke uku i kāu'ai'ē ma mua o ka mea e pono ai, e palekanaʻoe i ke kālā. Eʻike inā loaʻa kahi uku no ka ukuʻana i nā kālā kālā ma mua a iʻole e hoʻonui i ka uku. ʻO ke kau aku i ka loaʻaʻana o nā hōʻai'ē kiʻekiʻe nui e like me nā kāleka kāleka, e uku ana i nā mea iʻoi aku ka naʻauao .
Nā uku Balloon: ʻAʻole e ukuʻia nā loans i ka manawa - ke uku neiʻoe i ka uku hoʻolimalima a iʻole kekahi hapa liʻiliʻi o kāu kau kālā. ʻO ka mea pōʻino,ʻo ia hoʻi, ponoʻoe e piʻi mai i kahi hōʻailona pāpale nui nui (aiʻole e hoʻolimalima hou i ka hōʻai'ē me kahi kālā nui'ē aʻe) ma kekahi wahi ma ka wā e hiki mai ana. Ponoʻoe eʻike e pili ana i kēia mau lā ma mua o ka ukuʻana.