Ka palekana i ka hana a me ka 4 mau hana'ē aʻe
Ke kumu no: 1.'Aʻapae i ke kūʻana
No nā kānaka i pilikia i ka pilikia, ke kūkākūkāʻana i kahi kūʻai liʻiliʻi ma kāu'āina e hiki ke kōkua iāʻoe e pale i kaʻaʻaʻana.
ʻOiaiʻo nā hopenaʻelua a me ke kūʻai pōkole e noho ma kāu hōʻike kālā no nā makahikiʻehiku,ʻo ka hoʻoneʻeʻana heʻoi aku ka maikaʻiʻole o kāu hopena'ai'ē, nā uku ukiuki a me ka hiki ke loaʻa i kahi hōʻai'ē.
I loko o kahi kūʻai pōkole,ʻoʻoe nō ka mea nona ka waiwai. ʻO kāu pahuhopu ka hōʻoia i kāu mea e hāʻawi nei e hōʻiliʻili i nā mea liʻiliʻi ma mua o kāu aie no ka hōʻai'ē, akā,ʻaʻole ka mea nāna i hoʻolimalima i ka home. ʻOʻoe ke mea eʻimi ana e loaʻa i ka mea kūʻai i ka mea kūʻai i ka waiwai.
I ka wā paʻa, loaʻa i ka mea kūʻai ka waiwai. ʻO ka mea nāna e hoʻolimalima ka mea eʻimi ana i ka mea kūʻai aku no ka waiwai i hiki ai iā lākou ke hoʻihoʻi i nā kālā a lākou e hiki ai ke hana. Inā hiki iāʻoe ke kiʻi kūʻai iki aku a paniʻia i kāu waiwai, hiki iāʻoe ke pale i ka liloʻana o kāu waiwai i ka hana.
Ke kumu no ka hoʻopauʻiaʻana o ka wai
Ma ka hoʻolālāʻana i kahi kūʻai liʻiliʻi i kāu waiwai e hiki iāʻoe ke hele i waho mai ke kai. Eia kekahi laʻana, ua kūʻaiʻoe i kahi waiwai no $ 400,000, akā, ma ka mahele o kēia lā, he $ 230,000 wale nō.
Ināʻoe i lawe i kahi moraki he 30 makahiki ma ka waiwai a hāʻawiʻia he 5 pakeneka, aiʻole $ 20,000 i lalo, loaʻa iāʻoe kahi hōʻai'ē $ 380,000 ma ka waiwai. Inā nōʻoe i ka waiwai no nā makahikiʻelima, ke manaʻo neiʻoe e uku i ka uku mīkini kālā āpau, hiki iāʻoe ke kūʻai aku ma mua o $ 300,000 ma ka waiwai, iʻoi aku ka nui ma mua o ka huina o ka $ 230,000.
No ka meaʻaʻohe mea e makemake e kūʻai i kahi waiwai no $ 300,000 ma ka mākaʻi kūʻai, e hiki iāʻoe ke ho'āʻo e kūkā i kahi kūʻai liʻiliʻi. Ma ke kūʻai pokoleʻana i kāu waiwai, hiki iāʻoe ke loaʻa i kahi kāleka e hōʻoki ai i ka $ 230,000 o ka waiwai i kēia manawa. Hiki iāʻoe ke kūkākūkā me ka panakō e hoʻokuʻuʻia i ke kuleana no ka hōʻai'ē'ē aʻe a iʻole pahaʻoe e hana i kahi kumukūʻai uku me ka mea nāna e hāʻawi i ka $ 70,000 i koe.
Ke kumu o ka manaʻo # 3. hiki i ka Bank ke kala aku i kāu aie / ka haʻaleleʻana i nā kuleana
Ke kūkākūkā neiʻoe me nā'ōlelo kūʻokoʻa pili me kāu mea kūʻai, ponoʻoe e ho'āʻo e hōʻoia i ka hoʻokuʻuʻana i ke kuleana no ka hōʻai'ēʻokoʻa'ē aʻe. ʻO keʻano,ʻaʻole lākou e ho'āʻo e hoʻoholo i ka hoʻopiʻi kū'ē iāʻoe no ka likeʻole o ka mea i loaʻa i ka mea nāna i uku i ka kūʻai liʻiliʻi o ka waiwai a me ke kālā āu i uku ai. E hōʻoia e loaʻa i kēia ma ke kākau.
ʻOiai ināʻaʻole lākou e hoʻokuʻu iāʻoe no ka nui o kāu aie, hiki i ka mea nāna e hāʻawi aku eʻae i kāu kuleana no ka emiʻole o kāu aie. Eia kekahi laʻana, ināʻoe e uku nei he $ 70,000, hiki iā lākou keʻae i ka $ 10,000 i ukuʻia iā lākou ma nā uku o kēlā me kēia mahina.
E mālama i kāʻoukou mau manaʻo
Ke hoʻoholo neiʻoe i nā hua'ōlelo o ke kūʻai liʻiliʻi me kāu kāleka, hiki iāʻoe ke ho'āʻo a loaʻa iā lākou e hoʻololi i ke ala e hōʻike ai lākou i ke kūʻai liʻiliʻi i nā bureaus credit.
E hōʻike pinepineʻia kahi kūʻai pōkole i kāu hōʻai'ē ma keʻano he "'ai'ē". ʻIke maikaʻi nā bureaus i kēia mau mea no ka mea,ʻo ia hoʻi, ua hoʻonohonoho ka mea hōʻai'ē me kaʻaeʻana i lalo o ka mea i hoʻokomo muaʻia iā lākou.
ʻO ka hopena o kāu helu heluʻai keʻano likeʻole i kaʻikeʻana ināʻaʻoleʻoe i nele i ka hāʻawiʻana i ka moraki a me kāu moʻolelo pilikino. Hiki ke hāʻule kāu heluʻaiʻai ma kahi liʻiliʻi he 40 mau helu aiʻole i 200 mau kiko.
ʻO kāu pahuhopu ka loaʻaʻana o ka mea nāna e hāʻawi aku i ka loiloi i ke kūʻai liʻiliʻi e like me ke kālā "uku" ma kāu hōʻike kālā. Inā hiki iāʻoe ke loaʻa ka mea hāʻawi aku eʻaelike i kēia,ʻaʻohe hopena maikaʻiʻole i kāu hōʻai'ē. Eia paha, hiki paha iā lākou ke hōʻole i kēia noi, akāʻaʻohe mea e noi ai. Hiki i nā mea hoʻolaha ke hōʻike i kahi kūʻai kūʻokoʻa i ukuʻia no nā poʻe i halaʻole i ka uku a me ka loaʻaʻana i ka heluʻai uku nui e hoʻomaka me.
Nīnau # 5. Loaʻa i ke kiʻiʻana i kahi hōʻai'ē hou
Ināʻoe e hele i loko o kahi kūʻai liʻiliʻi a ua hōʻike aku ka mea hāʻawi iā ia i nā bureaus credit,ʻaʻole loa e maʻalahi ka loaʻaʻana o kahi haʻawina no kahi waiwai hou. Eia naʻe,ʻoi aku ka lōʻihi o nā mea hāʻawi kālā iā lākou keʻike lākou i kahi kūʻai liʻiliʻi i kāu moʻolelo moʻolālā ma mua o lākou inā he waiwaiʻoe i nalowale i ka paʻa.
He kūlana likeʻole kēlā me kēlā mea kēia mea kūʻai, akā,ʻo ka hopenaʻana o ka hopena, e pili ana i kou hiki ke loaʻa ka moraki no nā makahikiʻelima aʻehiku ma hope o ka paʻa. ʻO nā kūʻai pili pōkole e hoʻopilikia i kou hiki ke loaʻa ke kālā no kahi'ē aʻe maiʻelua aʻekolu mau makahiki ma hope o ke kūʻai liʻiliʻi. Inā hiki iāʻoe ke hōʻai'ē i ka wā ma mua, hiki iāʻoe ke kū i nā hua kālā hōʻailona, e like me ka nui o ka uku ukupaneʻe. ʻO kaʻimiʻana i ka hōʻai'ē mai nā mea lawe kālā pilikino he koho i kēlā manawa.
Eia aʻe: Kahiki o ka kūʻai ikiʻana i kāu kuleana