ʻAʻole i hoʻonohonohoʻia nā kumukūʻai no nā kāleka kāleka a me nā loina.
Hiki ke hoʻohanaʻia nā bane i kāu helu'ai'ē -ʻo ka helu e kūleʻa ana i kāu kūlana pono-ʻoiai kekahi o nā kumu koho nui i ka hoʻokumuʻana i kāu lihi waihona.
Pehea e hoʻohanaʻia nā Bane
ʻO kāu heluʻaiʻai - FICO'ōkuhi, ma ka liʻiliʻi loa - nā laina mai 300 a 850. He maikaʻi nā heluʻoihana kiʻekiʻe no ka mea e hōʻike ana ua hana maikaʻiʻoe i ka maikaʻi i ka wā i hala aku nei a ke uku neiʻoe i ka hōʻai'ē hou i ka manawa. Nā hōʻike haʻahaʻa haʻahaʻa e hōʻike ana ua hanaʻoe i kekahi mau hewa nui i ka wā ma mua aʻaʻoleʻoe e uku i kāu uku āpau inā loaʻaʻoe i ka hōʻai'ē hou.
Hoʻolālā nā'Āina i nā uku hoʻolimalima (ka APR a iʻole ka helu pākuhi makahiki) e pili ana i ka hopena o kāu pilikia. ʻO kaʻoihana kiʻekiʻe iʻikeʻia eʻoe,ʻo ka kiʻekiʻe aʻe o kāu pānaʻi hoihoi. (A inā paha he haʻahaʻa loa kāu helu'ai'ē, hikiʻole iāʻoe ke hōʻole.) Ma kekahiʻaoʻao, inā he haʻawina loiloi liʻiliʻi (e hōʻikeʻia ana e ka hōʻai'ē loiloi kiʻekiʻe), e kūponoʻoe ke kūpono no ka lihi haʻawina haʻahaʻa.
ʻO kāu kelepona kālā a me ka uku kālā kālepa
Hiki i nā mea hoʻolaha kāleka kālā ke hōʻike i nā manaʻo hoihoi kūpono me kēlā me kēia hāʻawi kālā kāleka . Eia kekahi laʻana, hiki i kahi kāleka ke hoʻolaha i kahi 13.99 i 22.99% APR e pili ana i ka hilinaʻi . ʻO kāu APR hope loa e hāʻule ma kekahi wahi ma kēlāʻano e pili ana i kāu heluʻai'ai'ē a me nā mea pilikia'ē aʻe.
ʻAʻole hoʻolaha hoʻolaha ka mea hoʻopuka palapala i ka ukuʻai uku e hāʻawi iāʻoe i ka pānaʻi kālā kūpono. ʻAʻole e hoʻoholoʻia kēia a hiki i ka wā e hana aiʻoe i ke noi kāleka kāleka. Ma keʻano laulua, inā loaʻa iāʻoe kahi heluʻai maikaʻi maikaʻi, hiki iāʻoe ke manaʻo e loaʻa ka APR iho haʻahaʻa, aiʻole me ka hōʻai'ē maikaʻiʻole, e loaʻa iāʻoe ka APR kiʻekiʻe.
Pehea ka hopena'ai'ē i pili i nā uku hōʻai'ē
Me nā loina, ua hoʻolaha pinepineʻia kaʻawelike kaha ma kahi o ka laulā. Inā loaʻa kāu heluʻai maikaʻi maikaʻi, hiki iāʻoe ke kūpono no kahi pālākiō ma kahi a ma lalo paha o ka awelika. A iʻole, me ka hōʻai'ē hōʻai'ē maikaʻi, hiki iāʻoe ke hoʻopau me kahi iʻoi aku ma luna o ka awelika. Hiki iā Bankrate.com keʻimi i nā loina ma kou wahi e like me kāu helu'ai'ē. A e hāʻawi iāʻoe i kahi manaʻo maikaʻi aʻe no ka uku pānaʻi āu e kūpono ai.
ʻO kaʻu MyCICO.com he moʻomanaʻo kālā mālama kālā e hōʻike ana i ka nui o kāu e mālama ai i kahi hōʻai'ē ma muli o kāu helu'ai'ē. Hōʻike ka helu helu i nā APR a me ka uku o ka mahina no ka moraki aiʻole nā loans pū kaʻa me nā manawa hoʻopaʻi kūpono no nā papa helu hōʻai'ē. Ināʻikeʻoe i kāu helu'ai'ē i kēia manawa, hiki i ka calculator ke hāʻawi iāʻoe i ka hoʻohālikelike i nā hua'ōlelo āu e manaʻo ai. Eia naʻe,ʻaʻoleʻoe eʻike i kāu APR kūikawā a hiki i kou wā e noi ai a ua'āponoʻia no ka hōʻai'ē.
Ke loaʻa kāu mau hualoaʻa ma kahi pōʻino maikaʻiʻole
Pono ponoʻia nā bane e hāʻawi iāʻoe i ke kope o kāu heluʻai uku ke hiki iāʻoe ke'āponoʻia no kahi liʻiliʻi maikaʻiʻole.
ʻO ka hōʻike hōʻai'ē hōʻai'ē e komo pū kekahi mau kiko'ī e pili ana i ka hopena o kāu helu'ai'ē.
No ka hoʻomaikaʻiʻana i kou mau kūlana o ka loaʻaʻana o kahi kaʻina hoihoi maikaʻi, hiki iāʻoe ke hoʻolimalima i kekahi mau mahina e hoʻonui i kāu heluʻai . He mea nui loa ia me ka loina nui e like me ka moraki kahi i hiki ai i ka uku uku uku ke hoʻonui i kāu uku mahina ma nā helu he haneri a alakaʻiʻoe iāʻoe e uku i nā tausani hou aku i ka hoihoi no ka ola o ka hōʻai'ē.