ʻO ke kālā hōʻai'ē no kāuʻoihana no nā kālā nui
ʻO nā loans ukalālā he mauʻano palekana likeʻole, akā heʻano likeʻole.
Paʻi Pāʻoihana Loloa
ʻO nā loans ukalālā o ke kālā e mālama pinepine i nā uku kūpono a me nā uku hoʻolālā a me ka hoʻonohonoho hōʻai'ē makahiki a hapaha paha. ʻO ka wā lōʻihi o ka manawa lōʻihi he 3-10 mau makahiki ināʻo nā loina kāleka lōʻihi e hiki ai ke holo i kahi 20 makahiki e like me kona kumu.
Kākoʻo mauʻia nā loina kāleka lōʻihi e kahi hōʻai'ē o ka hui , ma keʻano o nā waiwai o ka hui. ʻO nāʻaelike hōʻai'ē e loaʻa pinepine nā berita palekana e hōʻike ana i ka mea hikiʻole i ka hui ke hiki i ke kālā i ka wā o ka hōʻai'ē.
Eia kekahi laʻana, hiki i ka kāleka ke hōʻike he hikiʻole i ka hui ke lawe i ka hōʻai'ē hou i loko o ke ola o ka wā lōʻihi. ʻO nā uku wā lōʻihi e ukuʻia e ka hui kālā o ke kālā no ka ola o ka hōʻai'ē aiʻole ma kekahi māhele o ka waiwai i hoʻokaʻawaleʻia no kēia hana.
ʻO ke Kuleana o nā Lānana lōʻihi
Pono nā kamupali e hahai i ke kūlana o ka hoʻopaʻaʻana i ka lōʻihi o kā lākou kālā kālā i ke ola o ka waiwai a lākou e hoʻolālā nei.
No laila, inā pono kahiʻoihana e hana i kaʻoihana waiwai nui, e like me ka kūʻaiʻana i kekahi'āpana waiwai no kā lākou hana hana e paʻa ana i nā makahiki he 10,ʻo ka hōʻai'ēʻoihana lōʻihi e lilo i keʻano kālā kūpono. ʻAʻole kūpono ka loiloi pāʻoihana pōkole i kēia hihia. Inā pono i kahiʻoihana ke kūʻai aku i nā mea waiwai waiwai, nā hale, nāʻoihana'ē aʻe, a iʻole e hana i nā papahana hana, he loina wā lōʻihi ke ala e hele ai.
Loaʻa i kahi kālā kālā lōʻihi
Loaʻa nā pāʻoihana hana lōʻihi no nāʻoihana hoʻomaka e loaʻa. ʻO ka manawa maʻamau,ʻo nāʻoihana i hoʻokumuʻia me kekahi mau makahiki o ka holomua kālā ua'āponoʻia no nā loina kāleka lōʻihi. Pono ka hana e hoʻolālā i kā lākou papahanaʻoihana a me nā makahiki he nui o nāʻikeʻike waiwai o ka wā i hiki ai ke hōʻoia i kahi loina lōʻihi.
Eia hou, pono iā ia e hoʻomākaukau i nā mea i ho'ākākaʻia i nā'ōlelo kālā e hōʻoia ai e hiki iā ia ke uku i ka hōʻai'ē. Mamua o ka imi ana o kahi hana liilii i kahi aie loloa, pono lakou e hoohalike i ka kumukuai o ka aie a me ka lilo o ka hoolimalima i ka waiwai a lakou e imi nei i ka hoolilo. ʻO ka huina kālā ma kahi loina wā lōʻihi, he mau helu liʻiliʻi ka emi ma mua o ka uku paneʻe ma kahi hoʻolālā pili pokole i loko o ka hoʻokele waiwai maʻamau.
Ināʻikeʻoe i ka loiloi nui o ka hoihoi , hiki iāʻoe ke hoʻohui i kekahi mau helu i kēlā me ka piʻiʻana me kahi mea kokoke i ka pane panee e hoʻopiʻi ka bank i kāu noi. E hōʻike ana kēlā mau mea liʻiliʻi i ka hopena a lākou eʻike ai i kāu hui. ʻO ka pilikia o kāu hui,ʻo ka nui o nā mea e hoʻonui ai i ka loiloi nui o ka hoihoi. I ka nānāʻana i ka pilikia o kāu hui, e nānā nā bank i nā 5C o ka pono o kāu hui.
Ke loaʻaʻana o kahi kālā lōʻihi
ʻO ka maʻalahi o ka loaʻaʻana o kahi hoʻoili wā lōʻihi e pili ana i nā kumu he nui me ke kāleka āu i koho ai e hana i kaʻoihana, me ka ikaika kālā o kāu hui, a me ke olakino o ka hoʻokele waiwai.
I ka wā o ka hoʻopiʻi nui, ua paʻakikī ke kālā aʻaʻole i maʻalahi nā loina e hiki mai.
Ka nui o nā mea āu e loaʻa ai ma kahi kālā lōʻihi
Hoʻonui pinepine nā kuʻi wā lōʻihi i $ 25,000 a piʻi i kahi $ 200,000. ʻO ka nui o kāu kālā e pono ai,ʻo kaʻoi aku o ke koʻikoʻi ka lilo o ka'āpono'āpono.
Pehea e hoʻokaʻaʻikeʻia ai nā loli kālā wāwae wāwae mai waena mai kahi kālā lōʻihi
ʻO nā loans o ka wā lōʻihi e loaʻa i kahi manawa o ke kiʻekiʻe o nā makahiki 1-3. Hoʻohanaʻia lākou e uku i nā waiwai i lōʻihiʻole ma keʻano e like me nā polokalamu kamepiula i loaʻa i ke ola waiwai i nā makahiki 3 wale nō. Hoʻoliloʻia nā uku i kaʻauʻa kālā a me ka hapaha makahiki. ʻO ka mana hoʻonā no ke kālā manawa wāwae e aneane paʻakikī e like me ia no ka wā lōʻihi.