Pehea e hiki ai iāʻoe ke hōʻike i nā mea hāʻawi kālā e maikaʻiʻoe no ke kālā a'āponoʻia?
E hōʻike i ka mea e makemake ai nā mea kālā a me ke kūʻai aku me nā mea hāʻawi kālā e hoʻonui i kou kūlana.
Cosigning Basics
Hoʻoponopono nā Lenders i kāu noi noi e hoʻoholo inā manaʻo lākou e uku pahaʻoe. No laila, ke nānā nui nei lākou i nā meaʻelua: ʻo kāu mau helu hōʻai'ē , a me kāu kālā e loaʻa ai ka uku kālā. Ināʻaʻohe lākou e hilinaʻi e hiki iāʻoe ke uku no kāu pono'ī,ʻaʻole lākou eʻae iāʻoe e noi me kahi meaʻole.
Hiki i nāʻae keʻae e uku i nā kālā ināʻaʻoleʻoe e hiki - 100% ma ka makau no ka aie e like meʻoe. Me ka meaʻole ka mea hoʻokele, hiki i nā mea hāʻawi kālā ke hōʻiliʻili mai iāʻoe wale nō, ka mea nāna e lawe i ka mea kūʻai. Hoʻohuiʻia ka mea hoʻohuipua he aia heʻelua kānaka kūpono e hōʻiliʻili mai (aʻelua mau pane hiki ke loaʻa i ka uku kālā). E aʻo hou e pili ana i ka hana Cosigning Works .
Hiki i ka mea hui pū me ka hōʻai'ē ikaika a iʻole kahi waiwai nui ke kōkua i kāu noi, akā hiki paha iāʻoe ke noi me kahiʻole.
Inā (ma mua)ʻaʻoleʻoe e'āponoʻia
Inā hāʻawi iāʻoe i nā mea kālā e hikiʻole iāʻoe ke'āponoʻia ma kāu iho, mai'ōlelo wale i kā lākou'ōlelo.
Loaʻa he mau hanana i loaʻa (ʻo kekahi o lākou uaʻoi aku ka wikiwiki aʻe ma mua o nā mea'ē aʻe).
Hana i ka hōʻai'ē: ināʻaʻole hiki iāʻoe ke hāʻawi i ka hōʻai'ē me ka meaʻole nā mea no ka mea ua hewa kāu hana, e hana i ka hoʻomaikaʻiʻana i kāu hōʻai'ē. Ināʻaʻoleʻoe i loaʻa wale ka manawa kūpono e hoʻokumu ai i kāu hōʻai'ē a iʻoleʻoe i nele i ka uku i ka wā ma mua, hiki iāʻoe ke kūkulu hou - pono ke hoʻolālā.
Eʻike pehea e hoʻomaikaʻi ai i kāu hōʻai'ē . No nā haumāna a me nā kānaka ma lalo o 21 makahiki, he paʻakikī kēlā. E ho'āʻo e loaʻa i kahi lālā laikini liʻiliʻi a iʻole kahi kālā i loaʻa i kahi loina.
Hoʻopaʻa i nā hemahema: i kekahi manawa ka hoʻopiʻiʻana i kāu mau'ōlelo hoʻoili kālā. ʻO ka weheʻana i kēlā mau hewa e hiki ke alakaʻi i kahi hoʻoikaika wikiwikiʻana i nā heluʻai. E nānā i pehea e hoʻoponopono ai i nā hewa .
Hoʻonui i ka hōʻai'ē : eʻaeʻia nā hōʻai'ē e hōʻole a hōʻole paha i nā kālā e like me ka nui o kāu kālā eʻaiʻia e nā uku mahina. No ka loiloi, hoʻolālā lākou i kahi hōʻai'ē i ka lakene i loaʻa , kahi e ho'āʻo ai lākou e mālama i kahi haʻahaʻa. Me nāʻoihanaʻoi aʻe (mai kahi hana manawa manawa, no ka laʻana), loaʻa iāʻoe kahi kūpono maikaʻi loa no ka hōʻoiaʻana no ka meaʻoi aku ka uku aku o ka loina.
Eʻae liʻiliʻi: hiki i nā mea hōʻai'ē ke hōʻole i ka hōʻai'ē āu i noi ai, akā hiki iā lākou ke hoʻolimalima iāʻoe me ka hoʻokuʻuʻoleʻia i kāu noi. Holo i kekahi mau helu no kaʻikeʻana i keʻano o ka hōʻai'ē likeʻole e hiki mai ana me nā uku mahina likeʻole (me ka hopena i kahi hōʻai'ē maikaʻi aʻe i ka lakene kālā). Hiki iāʻoe ke hoʻoikaika i kāu hōʻai'ē e hoʻokele waiwai aiʻole e hoʻolālā i ka hōʻai'ē i nā mea hāʻawi kālā.
E hoʻonui i kāu hulina: ua haʻiʻiaʻoe "ʻaʻole," akā, aia kekahi mau mea kālā'ē aʻe ma waho. E kūʻai a puni me nā hui liʻiliʻi, e like me nāʻaha'āina a me nā uniona kālā .
ʻO nā mea hoʻoili pūnaewele hōʻano'ē aʻe (me nā mea hoʻoili puʻuwai) e makemake pū nei lākou e hana me nā mea noi kālā i loaʻaʻole i ka hōʻai'ē kūponoʻole. Hoʻolimalima kekahi poʻe laikini pūnaewele i nā loina e pili ana i nā haʻawina i loaʻa iāʻoe,ʻoiai ināʻaʻoleʻoe i kūkulu mua i ka hōʻai'ē.
E uku i ka hōʻai'ē: ʻo kāu helu heluʻai a me kāu kālā e loaʻa ana i kēlā me kēia mahina e hoʻololiʻia e kāu mau aie e noho nei. Ma ka hōʻokiʻana i ka hōʻai'ē e maʻalahi ia no ka loaʻaʻana o nā loans hou no ka mea, ʻaʻoleʻoe eʻike i ka nui o nā mea i loaʻa , a laila e loaʻa iāʻoe kahi kuleana laloʻole o ka mahina. Me nā loina nui e like me ka uku kālā home, "e wikiwiki ana i ka ukuʻana" ma hope o ka ukuʻana i ka hōʻai'ē (aiʻole ka hoʻoponoponoʻana i nā hewa) hiki ke hopena i nā heluʻai kiʻekiʻe ma loko o nā lā .
Hāʻawi i ka hōʻai'ē: hiki iāʻoe ke hōʻai'ē i kahi waiwai āu i loaʻa ai, me ka hōʻaho . ʻO ka mea pōʻino,ʻo kēia kekahi kumuhana pilikia - hiki iāʻoe ke lilo ka waiwai ināʻaʻole hiki iāʻoe ke uku i ka hōʻai'ē (hiki i ke kāleka ke lawe i kāu waiwai a kūʻai lilo aku i mea e loaʻa ai kā lākou kālā).
Ināʻoe e noi'ē i kāu kaʻa, hiki i ke kāleka ke hoʻopuka hou i ia mea , a hiki i nā mea kālā ke hoʻokaʻawale i kou home ināʻaʻoleʻoe e mālama nei i kahi hōʻai'ē home.
Nā Loans Haumāna
Inā ho'āʻoʻoe e loaʻa kahi hōʻai'ē haumāna, hiki i kāu mau koho'ē aʻe no ka noiʻana me kaʻole o ka mea hoʻohui.
E hoʻomaka ma ke noiʻana i nā polokalamu kālā hoʻolimalima haumāna (ʻoiai i kapaʻiaʻo Direct Loans) ma o ke keʻena kōkua kālā kōkua o kāu kula. No laila, ponoʻoe e hoʻopiha i ka palapala FAFSA a hāʻawi i kaʻike e pili ana i kāu kālā. ʻO nā loans o nā haumāna hōʻailonaʻo ia nā kumukūʻai hoʻolimalimaʻana i nā loiloi nui loa - hiki ke maʻalahi lākou i ka wā e uku mai ai, a hiki paha iāʻoe ke kōkua i ka ukuʻana i nā kumukānāwai .
ʻO nā loans Stafford , he mea nui paha, he nani. Loaʻa lākou no ka manawa piha, hapa manawa, puka puka, a me nā haumāna kula pua. ʻAʻole kāu hōʻai'ē he hopena, no laila hiki i kekahi ke loaʻa iā ia kēia mau loina me ka meaʻole (inā lōʻihiʻoe e kū ai i nā kulekele kūpono no nā loans Stafford).
ʻO nā loansʻo Perkins kekahi mea maikaʻi no nā mea noi. ʻAʻole he mea nui kāu mau waiwai kālā, akā, hiki ke lawa ka loaʻaʻana o kāu uku kālā iā Perkins - loaʻa lākou ma muli o ka nele kālā.
No nāʻike hou aʻe, a me nā koho kālā eʻike i nā Loan Haumana 101 .
Nā pānaʻi haumāna haumāna: ʻo kaʻoi aku ka maikaʻi e hoʻomaka i ka laweʻana me nā loina haumāna haumāna. Inā makemakeʻoe ma mua o nā maximum i'āponoʻia, hiki iāʻoe ke hōʻai'ē mai nā mea hāʻawi kālā . Eia naʻe,ʻoi aku ka nui o nā mea e hāʻawi ana i ka mea hāʻawi kālā (keʻoleʻoe i nā kālā a me nā kālā loaʻa). ʻAʻole pono kēlā hihia - a loaʻa paha iāʻoe ka loaʻa a me ka hōʻihiʻana ma keʻano he haumāna puka puka - no laila, pono ke noi.