ʻO kāu hapa'ai'ē (DTI) kāu'ai'ē i ka pakeneka o kāu kālā mālama kālā e hele nei e uku i kāu aie. He mea nuiʻaʻole e hōʻoia i kāu hapa'ai'ē'ai'ē me kāu hoʻohana kālāʻana,ʻo ia ka nui o ka aie āu e pili nei i kāu palena palena.
ʻO nā loina he nui,ʻo ka moraki a me nā uku ukupanei, e hoʻohana i kāu hapa'ai'ē hōʻai'ē eʻike ai i ka uku kālā āu e hiki ai ke mālama ma muli o kāu kālā o kēia manawa a me ka nui āu e hoʻolālā nei ma ka hōʻai'ē. Eia kekahi laʻana, e hoʻohanaʻia e ka mea nāna e hāʻawi aku i nā loiloi i kāu kaʻina'ai'ē'ai'ē eʻike ai i ka uku mokekike āu e uku ai ma hope o ka ukuʻana o kāu mau aie'ē aʻe.
Hiki iāʻoe ke helu i kāu kaʻina'ai'ē'ai'ē eʻike i ka nui o kāu hoʻolimalimaʻana i kēlā me kēia mahina.
01 Hoʻohui i kāuʻIke Kuhiku
ʻO ka hapa o kāu'ai'ē'ai'ē e heluʻia ma ka puʻunaueʻana i kāu kālā mahina ma kāu mau uku'ai'ē.
DTI = ka uku kālā o kēlā me kēia mahina
ʻO ka hana mua i ka heluʻana i kāu hapa'ai'ē-i-kaʻina e hoʻoholo ana i ka nui o kāu liloʻana ma kēlā me kēia mahina ma kahi hōʻai'ē.
No ka hoʻomakaʻana, e hoʻonui i kāu mea e hoʻolilo ai ma kēlā me kēia mahina ma kahi hōʻai'ē, e like me kēia mau mea:
- Uku a hoʻolimalima
- ʻO nā uku kāleka pili kālā liʻiliʻi
- Paʻa kālā
- Loans keiki
- ʻO Alimony / uku uku kākoʻo
- Nā loina'ē aʻe
Pākuhi:
E hōʻoia kā Sam i nā lilo kālā ma hope nei:
- mokolima = $ 950
- ke kākika liʻiliʻi liʻiliʻi = $ 235
- loan loan = $ 355
$ 950 + $ 235 + $ 355 =
ʻO ka hōʻai'ē o ka hōʻai'ē o ka hōʻai'ē o Sam = $ 1,540
02 Kuhi Makahiki Kuhi Makahiki
ʻO ka hopena hou i ka hoʻoholoʻana i kāu hapa'ai'ē'ai'ē e helu ana i kāu kālā kālā.
E hoʻomaka i ka hōʻuluʻuluʻana i kāu kālā kālā. Hoʻohui i ka nui āu e loaʻa ai kēlā me kēia mahina mai:
- Ka nui kālā
- Nā bonus a iʻole nā manawaʻoi aku
- ʻO Alimony / keiki kōkua
- Nā loaʻa'ē aʻe
Pākuʻi
E hoʻomanaʻo, ua hoʻolimalimaʻo Sam i $ 1,540 i kēlā me kēia mahina ma ke kālā'ai'ē. ʻO ia ka mea i loaʻa iā ia i loko o ka uku kālā i kēlā me kēia mahina.
- ka uku kālā kālā = $ 3,500
- keiki hānai = $ 500
Ka nui o ka loaʻa kālā o Sam ma $ 3,500 + $ 500 = $ 4,000.
Hoʻomaopopo: E hoʻonui i ka loaʻa kālā ma ka pule he 4 a me ka loaʻa kālā ma ka mahina 2 e helu i kāu kālā kālā. A iʻole, ināʻikeʻoe i kāu uku makahiki, e māhele i ka 12 e loaʻa ai kāu kālā kālā.
03 E helu i kāu'ai'ē no ka uku kālā
I ka manawa āu i hōʻuluʻulu ai i nā mea āu e hoʻolilo ai i kēlā me kēia mahina ma ke kālā'ai'ē a me nā mea āu e loaʻa ai i kēlā me kēia mahina ma ka loaʻa kālā, loaʻa iāʻoe nā helu āu e pono ai e helu i kāu kaʻina'ai'ē-i-ka loaʻa. No ka hoʻohālikelike i ka lakio, e hoʻokaʻawale i kāu uku'ai'ē ma kāu mau mahina. A laila, e hoʻonui i ka hopena ma o 100 e piʻi mai me kahi pakeneka.
Pākuʻi
Ma kā mākouʻano hoʻohālike,ʻo ka hōʻai'ē kālā āpau o Sam i $ 1,540 a loaʻa i kāna kālā kālā he $ 4,000. No laila, e puʻunaue i $ 1,540 i $ 4,000 a laila e hoʻonui i ka 100.
$ 1540 / $ 4000 = .385 X 100 = 38.5%
ʻO ka hōʻai'ē o Sam i ka huina kālā he 38.5%.
04 He aha kāu hōʻai'ē i ka hōʻoia kālā
ʻO kāu hopena hope loa e lilo i kekahi o kēia mauʻano.
ʻO 36% a emiʻole paha ka ukana ukiuki maikaʻi loa no ka hapanui o nā kānaka. Inā loaʻa kāu'ilio'ai'ē'ai'ē i loko o kēia āpau, e hōʻole i ka loaʻaʻana o nā hōʻai'ē'ē aʻe e mālama i kahi maikaʻi maikaʻi. Loaʻa paha iāʻoe ka pilikia no ka hōʻoiaʻana no ka moraki me ka lakene ma luna o kēia nui.
ʻO ka 37% -42% ʻaʻole ia he lālā maikaʻiʻole i loaʻa, akā uaʻoi aku ka maikaʻi. Inā hoʻokahe kāu lākiō i kēia āpau, ponoʻoe e hoʻomaka e hoʻoemi i kāu mau aie .
ʻO 43% -49% ka lākiō e hōʻike ana i ka pilikia kālā. Ponoʻoe e hoʻomaka me ka hoʻopaʻi e uku i kāu mau aie e pale ai i ka hōʻai'ē nui o ka aie.
ʻO 50% aʻoi aku paha he lālā maikaʻi loa. ʻO keʻano,ʻoi aku i ka hapalua o kāu kālā e hele ana i ka uku hōʻai'ē. Ponoʻoe e hoʻopaʻi hōʻai'ē i kāu mau aie. Mai hōʻale eʻimi i ke kōkua kōkua .
Pākuʻi
Ma ko mākou hoʻohālike,ʻo ka hōʻai'ē o Sam i ka lakene kālā loaʻa he 38.5%. ʻAʻole kēia kūlana maikaʻi, akā, hiki ke lilo iʻoi aʻe ka maikaʻi inā ua hoʻomāhuahuaʻo Sam i kāna uku'ai'ē me kaʻole nuiʻana o kāna kālā.