ʻOiai e hoʻomaka ana nā mea hoʻokele'āina e wehe i ko lākou mau kāʻei; ua hoʻokūpaʻaʻia kahi kūpono o ka hoʻokolokoloʻana i ka wā e nānā hou ai i kahiʻoihana no kahi hōʻai'ē. Inā he wā leʻaleʻaʻoeʻaʻoleʻoe e loaʻa kahi polokalamu kālā'ē aʻe e hiki iāʻoe ke loaʻa i ka hōʻai'ē kālā kālepa wikiwiki i nā lā 2 hana a me ke kālā e wikiwiki i 7 mau lāʻoihana.
Kapaʻiaʻo ia he Loan Loan .
ʻO nā kālā i loaʻa i kaʻike kālā iʻikeʻia ma keʻano waiwai kālā,ʻo ia ke kumu waiwai kūpono no nāʻoihanaʻoihana e nele i ka hoʻokomo kālā. Ma mua o ke kūlana kūʻokoʻa a me ka paakiki o ka loaʻaʻana a me ka loaʻaʻana o kahi kālepa pili moʻomeheu; pono kahi hōʻai'ē waihona kālā e koi i kahi noi liʻiliʻi a me 3 mau lā o nā'ake a me nā'ōlelo kālepa.
E noʻonoʻoʻaʻole kēia he mea kālā kālā kālepa ,ʻo ia kekahi kumu kālā kālā'ē aʻe e pili ana i nā kūʻai kīʻale kālā kāleka o kāu hui. ʻO kēia kahi hōʻai'ē e pili ana i nā pūnaeke kāleka o kāu hui.
ʻO ka hapa nuiʻoi loa ia, no ka mea he maʻalahi ia aʻoi aku ma muli o nā kālā i hanaʻia e kāuʻoihana. ʻAʻole pono e hoʻolako i ka hōʻai'ē, kaʻauhauʻauhau, nā kālā, nā hoʻonohonohoʻoihana a iʻole nā papa'ē aʻe o nā palapala hoʻoili'āina e hāʻawi aiʻoe.
Ma waho aʻe o ka hoʻokele wikiwiki a me keʻano maʻalahi, he mea maikaʻi loa ka hōʻai'ē kālā loaʻa no ka mea waiwai paʻaʻole.
Hoʻolālā nā hopena hoʻolālā pilikino i ka hapa nui o nā poʻeʻoihana liʻiliʻi i kēia lā e pale ana iā lākou mai ka loaʻaʻana i kahi pāʻoihanaʻoihana.
No ka loaʻaʻana o nā kālā i loaʻa i nā kālā kālā ma ka loaʻaʻana o nā kālā, hōʻanoʻole ka hoʻokumuʻana i ke kūlana kūpono o ka mea kūʻai. ʻO ka palena o 550 FICO he mea ia e makemakeʻia ai a ma lalo oʻelima mau waihona i kēlā me kēia malama i loko o ka waihona kākika o ka hui e hōʻuluʻulu ana i nā kālā kālā makahiki he $ 120k.
No laila peheaʻoe e uku ai i kahi hōʻai'ē hoʻokomo kālā?
Heʻano likeʻole nā uku kuʻi me kahi uki kālā hōʻai'ē i ka hoʻohālikelikeʻana i kahi pāʻoihana hana maʻamau. Ma mua o ka uku nuiʻana o ka mahina i kēlā me kēia mahina, hoʻololiʻia nā ukana i nā mea hōʻailona o nā lā a pau mai ka waihona pūʻulu o kāu hui ma o Automated Clearing House (ACH).
Eia kekahi lā, e noʻonoʻoʻoe ua loaʻa iāʻoe kahi kālā kālāʻoihana kālā no $ 10,000k me nā hua'ōlelo hoʻohoʻi kālāʻeono. Me ka hōʻai'ē hōʻaiʻu 1.24 e loaʻa i kēlā me kēia lā ACH o $ 96.12 mai kahi hōkeo o kāu hui me ka loaʻaʻole o nā uku i nā hopena o ka hebedoma no kahi mahinaʻeono a piha i $ 12,400. ʻO kēia mau koi i kēlā me kēia lā e maʻalahi loa ka mālamaʻana o kahi mea waiwai pāʻoihana e kū'ē i ka ukuʻana i ka uku nui o ka malama.
ʻO kaʻoihanaʻoihanaʻoihana ka loaʻa kālā e pili ana i ke kālā kūpono no?
ʻO kekahi o nāʻoihana kaulana loa no kēiaʻano o ka hoʻolālā kālā kālā e loaʻa i nā keʻena kelepona, nā haleʻai, nā hoʻolālā nani, nā hale kūʻai waiwai, nā hokele, nā supermarkets, nā hale kaʻa ea, nā hale kūʻai hoʻokipa, nā hale kūʻai mea olakino, nā hale lole, nāʻoihana hoʻomaʻemaʻe, , nā hale kūʻai kūʻai, nā hale lole nail, nā hale kūʻai kūʻai, a me ka pia, ka waina a me ka mea inu wai.
He mea nui e hoʻomaopopo aia kekahi mau palena no kēia polokalamu. ʻO kekahi mau hana hanaʻole i kūponoʻole i kēiaʻano o ka hoʻolālā kālā. ʻO kēia mau mea kēia, akā,ʻaʻole i kaupalenaʻia i nā mea hoʻolale ukupanei, nānā i nā hale kūʻai kālā, nāʻahahui kāpili, nā hui kaʻahele, nā mea kūʻai, nā lako hoʻolālā kino, nā mea kūʻai ukana, nā hoʻolaha hoʻolaha kālā, nā pule kūʻai bila a me nā hale kūʻai pawn.
E like me kaʻikeʻana i nā kālā kālā loaʻa e hāʻawi ana i nā mea kūʻai pāʻani i ka manawa e loaʻa ai ka loiloi kālā wikiwikiʻole me ke kāpaeʻole iā lākou iho i nā hōʻailona maikaʻi, nā pepa pepa paʻakikī, ka lōʻihi o ka hana, a me ka hoʻonuiʻana i nā manawa e hiki mai ana me nā loina pāʻoihana.