Pehea ka lawelaweʻana o ka Debt Service i nā Loina Pakihi
He aha ke kālā lawelawe?
ʻO ka uku hōʻai'ē ka nui o ke kālā i koiʻia no ka manawa e uku ai i nā aie. Loaʻa i ka uku hou o:
- ke poʻokela a me ka hoihoi
- a me nā uku hoʻolimalima (ma nā kaʻaʻoihana, e like me keʻano)
Hoʻonuiʻia kēia maʻamau no hoʻokahi makahiki.
E'ōlelo mākou e nānā anaʻoe i ka hōʻai'ē kālā $ 100,000 no ka hoʻonuiʻana i kahi wahi nui. Ma ka pāʻani 6% no nā makahiki he 10,ʻo ka uku o ka malama he $ 1110.21, aiʻole $ 13,322.52 i ka makahiki. ʻO kāu hana hōʻai'ē kēia no ka makahiki.
E nīnau ana ka mea kūʻai iāʻoe pehea e hiki ai i kāuʻoihana ke hoʻonui i ke kālā no ka mālamaʻana i nā uku mahina, peheaʻoe e lawelawe ai i ka'ai'ē.
ʻO ka lawelawe o ka Debt he mea nui i kaʻike kālā
ʻO ka lawelaweʻana i ka hōʻai'ēʻo ia kekahi o nā 4 C o ke Kelepona Waihona (ke poʻo, ke kākoʻo, ka mana, a me keʻano.)ʻO kaʻoihana uku no ka ukuʻana i ka hōʻai'ē. .
E hāʻawi wale ka mea nāna e hāʻawi i ke kālā i kāuʻoihana inā lākou e noʻonoʻo pono ana e ukuʻia ka hōʻai'ē. ʻO kekahi o nā kumu nui i ka ukuʻana,ʻo ia ka aie e kū nei i ka mea aie. ʻAe, e hōʻike pū ana kāu hōʻai'ē kālā i kēia pūʻokoʻa, akā, ua loaʻa i nā mea hōʻai'ē ka lawelawe hōʻai'ē i mea hōʻailona pono o ka uku uku.
He aha keʻano o ka Ratua Ratimalima?
E like me ka mea i hōʻikeʻia ma luna nei,ʻo ka nīnau nui a ka mea kūʻai e makemake nei eʻike,ʻo ia: "E lilo anei kēia hōʻai'ē hou iāʻoe (ka mea noi) i kahi kūlana e uku i nā aie a me kēia hōʻai'ē hou?"
ʻAʻole hiki keʻike i ka nui o ka hōʻai'ē e pono ke ukuʻia ma luna o hoʻokahi makahiki. He mea nui no kaʻike i ka nui o ka loaʻa o kaʻoihana e hoʻohana ai e uku i kēia mau aie.
Eia ka helu no ka uku Ratua Debt:
E mahele i ka 'upena pūnaewele e loaʻa ana i kahi kālā no ka makahiki e ka nui o ka hōʻai'ē holoʻokoʻa e ukuʻia (lawelaweʻia) i kēlā makahiki.
Loaʻa ka hoʻohana pūnaewele no ka meaʻo ia ka nui o ke kālā e loaʻa mai ana mai nā kūʻai a me nā lawelawe i kēlā me kēia makahiki, akā,ʻaʻole mai nā kumuhana'ē aʻe e like me ka loaʻa kālā kālā.
Eia kekahi laʻana: Heʻelua kālā kālā nui i loaʻa i kahiʻoihana (me ke poʻo nui a me ka hoihoi) $ 100,000, a me kahi hoʻolimalima hale kaʻaʻoihana e loaʻa ana he $ 8,000 o nā makahiki makahiki. He $ 108,000 ka uku no ka hōʻai'ē.
I ka makahiki i hala aku nei, he $ 156,000 ka waiwai o kaʻoihana hana i loaʻa. E hoʻokaʻawale i $ 156,000 ma kahi $ 108,000 no ka palena lawelawe pili kālā o 1.44%.
ʻO ka lālā o ka 1 a ka 1 ka mea liʻiliʻi. ʻO keʻano o ka loaʻaʻana o ka loaʻa kālā o nā'ōnaehana a pau no ka makahiki e uku ai i ka aie i loaʻa. ʻO ka lālā o .8 a hiki i ka 1,ʻo ia wale nō 80% o ka hōʻai'ē e hiki nei ke ukuʻia mai ka loaʻa kālā pūnaewele.
Pehea e hana ai ka lawelawe kālā no kekahi hana hou?
Ma muli o ka loaʻaʻole o kahi moʻomeheu hou o ka'ōnaehana hou, uaʻoi aku ka pilikia nui i ka mea nāna e hāʻawi iā ia e hiki iā ia ke uku i kāna aie. ʻO nāʻoihana hou e loaʻaʻole i nā lawaiʻa moʻomeheu a he pono eʻimi i nā kumu hana hōʻailona a hiki i ka hikiʻana iā lākou ke hōʻike i ka waiwai pūnaewele no ka hōʻoiaʻana i ka lawelawe hōʻai'ē.
ʻO ka lawelawe lawelawe no ka hōʻai'ē no kaʻike pono
Pēlā ka makemakeʻana o nā'auke kālā a me nā mea'ē aʻe e hoʻokaʻawale i ka lawelawe i ka hōʻai'ē ma keʻano o kāu'ōlelo kālā (P & L). ʻAiʻia ka uku kālā no kaʻoihana kūʻai. ʻO ka hōʻai'ē hōʻai'ē e like me kahi kālā e hōʻike ana i ka hoʻohuiʻana i nā hoʻolālā'ē aʻe i ka hoʻohālikelikeʻia i ka loaʻa kālā e loaʻa ai kāuʻoihana i kēlā me kēia mahina.
ʻOiaiʻo ka lilo o ka hōʻai'ē he nui nui o nā lilo o kāuʻoihana,ʻaʻoleʻo ia wale nō. I ka mea i hōʻikeʻia ma luna nei, pono ka uhiʻana o ka waihona kālā kālā no ka hoʻolālāʻana i kāu mauʻoihanaʻoihana,ʻaʻole wale i ka uku mahina o kāu'ai'ē. E nānā i kēia 'ōlelo me ka lawelawe' ana i ka hōʻai'ē no ka hana i kahi haki pololei ma mua o kou lawe 'ana i kāu noi noi i kahi kāleka.
ʻO ka lawelaweʻana i ka Debt a me kāu mau Kānāwai Pane
No nā kālāʻauhau kālā loaʻa,ʻo ka ukupanee ma nā pāʻoihanaʻoihana (a me nā uku no kekahi mau palapala hoʻolimalima kālā ) ua manaʻoʻia he kālā hoʻolimalima hiki ke unuhiʻia, akāʻaʻole ke poʻo kumu.