Mai ka'āpono o kaʻaeʻana i nā uku maikaʻi,ʻo kēia mau kāleka nā mea a pau loa
ʻOiaʻiʻo,ʻo kekahi mau kāleka iʻoi aku ka pono no nā pono o kāuʻoihanaʻoi aku ma mua o nā mea'ē aʻe. Malia paha he mea pilikia kou hōʻoiaʻana no kou hoʻomaka waleʻana-ʻaʻoleʻoe i paʻa i kāuʻoihana i nā moʻolelo-a i kēiaʻano, makemakeʻoe i ka'āpono oluolu.
ʻO kēia mau manaʻo a pau e hiki ke hoʻoholo i kaʻike i ke ala maʻalahi loa i ka loaʻaʻana o kāleka kālekaʻoihana a me kāu mea e noi ai.
Nā Kūkākūkā I ka Hoʻoihoʻana i kahi Kāleka Kāleki Kāleka
Ua loaʻa iāʻoe kahi mahele maikaʻi o ka hāʻawiʻana i ka hāʻawi kālā kāleka ma ka leka uila ma keʻano he meaʻoihanaʻoihana. Ua manaʻo paha pahaʻoe i ka noi akā ua hoʻohaʻahaʻaʻia e nā koho a pau. Nui nāʻano kāleka kālekaʻoihana e hele mai me nāʻoihana, nāʻano, a me nā pono.
Hoʻokelike i kahi kāleka pili pono'ī, e pili ana nā kāpili kālā pāʻani i nā uku pāʻani, a laila e loaʻa iāʻoe ke palekana ma hope o kēlā me kēia hoʻololi kālā. Makemakeʻoe e hoʻopaʻa i ka lihi haʻahaʻa loa.
ʻO kekahi mau kāleka e uku ana i nā uku makahiki a me nā uku mahina. ʻOiaʻiʻo,ʻaʻoleʻoe makemake e uku i kēia mau mea, akā, hiki iāʻoe ke kūʻai aku i nā loea'ē aʻe, e like me ka maʻalahi o kaʻaeʻana.
Hoʻohālikelikeʻia nā palena kuhi i ka ikaika o kāu helu heluʻai kanaka a me nā hōʻai'ē hōʻai'ē o kāuʻoihana, akā,ʻo ka pōmaikaʻi nui o nā kālekaʻoiʻoiʻoihana e hiki iāʻoe ke kūpono i nā palena palena nuiʻoi aʻe ma ka hoʻohālikelike i ka mea e loaʻa ai iāʻoe kāleka.
Hiki iā ia ke mea nui loa inā makemake kāu kamupene e kūʻai i nā kūʻai nui ma mua a iʻole ia manawa no nā mea e like me nā lako a me nā papa inoa waihona.
Hiki i nā kāleka kāleka ke hāʻawi aku i ka nui o nā uku a me nā mea hoʻonāukiuki,ʻo ia hoʻi, e like me nā uku hoʻolimalima, nā huakaʻi hele, nā uku hoʻolimalima kaʻa, a me nā mea hou aʻe.
ʻO kekahi mau kāleka e hāʻawi i nā hōʻaihoʻi kālā-hoʻi ma muli o ka hapene o ka kūʻaiʻana o ka hui. Ke makemake nei nā poʻe loea kāleka hōʻai'ē i kahiʻoihana hou a pono iā lākou e paio kekahi i kekahi no kāu a me nā mea'ē aʻe. ʻO kēia ke kumu i hāʻawi ai lākou i kēia mau loea ... akā he waiwai kūpono ke hoʻohanaʻia. He aha ka maikaʻi o nā mile mile mile ināʻaʻohe mea o kāu hui e holo?
Hoʻomaka i ka hōʻike ponoʻana i kāu mau makemake, i kāu mau mea no ka ukuhoʻiʻana, a me kāu helu hopena-ʻoʻoe a me kā kāuʻoihana. ʻO kaʻike āu e hōʻuluʻulu ai e kuhikuhi iāʻoe i ka manawa e hoʻomākaukau anaʻoe e noi no ke kāleka kālāʻoihana a kāleka paha.
Kāleka Kāleka a me nā kālā'ē aʻe
Hiki iā ia ke maʻalahi no ka mea e loaʻa ana i kahi mea kūʻai aku no ka hōʻai'ē kālā kāleka i hōʻoleʻoleʻia ma mua o nā lālā laulā maʻamau a me nā pāʻoihanaʻoihana liʻiliʻi.
Ma keʻano he bonus haʻawina,ʻoi aku ka maʻalahi o nā kālekaʻoiʻoi aku ma mua o nā loans kālā. He nui nā koho no ka mea nona kaʻoihana no ka ukuʻana i kēlā me kēia pōʻai kālā. ʻAʻole ia i kaupalenaʻia i nā uku maʻamau i kēlā me kēia mahina. ʻO kahi kāleka kāleka no kāuʻoihana hiki ke hāʻawi iāʻoe i kahi "pilulu" waiwai nui i makemakeʻia i loko o kahi pilikia i ka wā e hāʻule ana kāu aie i hope a he pōkole kāuʻoihana i ke kālā kālā a iʻole ke kūʻai liʻiliʻi.
Uaʻike ka hapa nui o nāʻoihanaʻoihana e kūʻai i nā mea kūʻai a iʻole e uku i nā kumukūʻai ma ka pūnaewele me nā mea kūʻai, nā mea kūʻai, a me nā meaʻoihana'ē aʻe. ʻO kahi kāleka kālekaʻoihana e hiki ai i kāu hui e hana maʻaʻole i nā uku pūnaewele a me ke kūʻaiʻana i nā pāʻoihana.
ʻO ka hapa nui o nā kāleka kāleka e hoʻolako i nā mea kiko'ī me nā pūnaewele pūnaewele no ka mālamaʻana i kā lākou mau moʻokāki, a me ka pūʻulu hopena hopena makahiki e hiki iāʻoe ke kōkua a i kāu pūnaewele pūnaewele a hoʻokaʻawale i kāu mau lilo no kaʻauhau a me nā mea'ē aʻe. Hiki i kēia ke hāʻawi i kahi ala maʻalahi e mālama ai i ka hoʻolimalimaʻana o nā limahana.
Inā hōʻike ka mea hoʻopuka kāleka i nā hui kālā hōʻai'ē, hiki i kēia ke ala maikaʻi loa e hoʻomaka ai e hoʻokumu i kahi faila lokomaikaʻi maikaʻi no kāuʻoihana a ma ka huliʻana i kahi laina hōʻai'ē a me nā uku hoʻolālā hoʻemiʻia.
Nā Kāleʻa Kāleka
ʻElua mauʻano kāleka kālekaʻoihana: i hoʻopaʻaʻia a unsecured.
Ua hōʻoiaʻia kāu hui eʻaeʻia me kahi kāleka i kākoʻoʻia no kou hōʻoiaʻiʻoʻana i ka hōʻai'ē,ʻo ia hoʻi ka waihona kālā, nāna e mālama i kaʻike.
Me ke kālekaʻole i hōʻoiaʻia, ua hoʻokumuʻia kouʻaeʻana ma muli o ka ikaika o kāu hōʻai'ē e like me ke ola pilikino a me nā hōʻai'ē hōʻai'ē o kāu hui. ʻO ke alapine hōʻai'ē maʻamau no ka'āponoʻana, aia i ka helu 680-plus no nā kāleka kāleka i hōʻoleʻoleʻia.
ʻO nā Kime Kālā Pāʻoihana maikaʻi, maikaʻi-ʻaeʻia
I kēia manawa he koʻikoʻi kou ma luna o ka mea āu e pono ai a me nā mea āu e kūpono ai, eia kekahi mau manaʻo.
ʻO kahi mea nuiʻo Capital One
Ua pili kēia kālepa i nāʻoihana liʻiliʻi. ʻO kaʻaeʻana he mea liʻiliʻi loa i ka poʻe nāna i wehe i nā puka aʻaʻole paha i loaʻa iā lākou ka moʻoleloʻoiʻoihanaʻoihana nui. No kāu mau helu pono'ī, e'ōlelo anaʻo Capital One, e hana pū ana me nā mea kūʻai me ka "mean" mean. Hāʻawi kēia kāleka i nā hōʻuluʻulu makahiki a me nā hōʻike pūʻulu hoʻolālā kūpono i hoʻoponoponoʻia, a hiki iāʻoe ke loaʻa nā kāleka no kāu poʻe kōkua i ka ukuʻole. E loaʻa iāʻoe he 1 pakeneka kālā ma nā kūʻai a pau, aʻaʻole he uku makahiki.
Kālā Kālā KāpenaʻApelika Pute Keneki Waiwai
Ke hele mai nei ka pepa kāleka o kā Bank of America me ka bonus maikaʻi: Ināʻoe e uku i nā $ 500 i nā lā he 60 i hala, e hōʻoiaʻo Bank of America i kāu'ōlelo e $ 200. E noʻonoʻo i kēia - ke hana maikaʻi neiʻoe i $ 200 i nā lako aiʻole i nā lawelawe no ka mea noa. Mālama kēia he kāleka maikaʻi no nā hoʻomaka. Loaʻa i ka loaʻa he 1 pakeneka kālā ma ka kūʻaiʻana aku ma hope o ka halaʻana o nā lā he 60 lā, a me 3 pakeneka ma kaʻoihana e hoʻolako ana i nā hale kūʻai a me nā keʻena gas a me ka 2 pakeneka ma nā haleʻaina. ʻAʻole i'āwili ka APR a hiki i ka halaʻana o nā kaumāiwa mau hōʻai'ē kālāʻeiwa.
Ka Papa Kuhi Visa
Loaʻa ka Visa nui i kahi kaʻina noi noi hiki iāʻoe ke hana i kāu moe, aʻo ia ka mea e kala aku ai i ka hōʻai'ē maikaʻiʻole. ʻOiaʻiʻo, e uku anaʻoe no kēia. Loaʻa kahi uku hoʻolimalima mua hoʻokahi a me ka uku makahiki ma luna o ka uku o kēlā me kēia mahina e hoʻomaka ana ma hope o ka makahiki mua. ʻO kou palena palena nui i ka wā mua,ʻo kahi wale nō $ 300 a hikiʻole i ka liʻiliʻi, a hiki i ka hoʻokumuʻana iāʻoe iho, akā e hōʻoia ka Visa i nā keʻena hōʻike hōʻailonaʻekolu a hiki iāʻoe ke hoʻomaka i kou hōʻai'ē a me ka hōʻai'ē o kāu hui i kahi kūpono. Pono kāuʻoihana e loaʻa kahi waihona helu e hōʻona ai.
Kāleka Kāleka Kālā Kāleka Chase Ink
Ināʻoe a me kāuʻoihana he kūlana kūleʻa maikaʻi maikaʻi,ʻo Ink paha ke ala e hele ai. ʻO ke kaʻina hana a me ka hoʻonaʻauaoʻana e hiki ke lilo i mea maʻalahi, no lailaʻaʻole pahaʻoe eʻae maikaʻi, akā hāʻawi nui akuʻo Chase i ka uku kālā i ka wā e hele aiʻoe ma mua o kēia pākuʻi. Ināʻoe e hoʻolilo $ 3,000 ma ka kāleka i nā malama muaʻekolu, loaʻa iāʻoe he $ 300 kālā, a loaʻa iāʻoe $ 1,250 i nā $ 25,000 mua āu i hoʻolilo ai ma nā keʻena lako, Pūnaewele, a me nā lawelawe kelepona -ʻaʻole hoʻokahi manawa wale nō. makahiki. E loaʻa iāʻoe he 2 pakela kālā ma ka likeʻana o ka hale kūʻai a me nā keʻena kinoea, a he 1 pakeneka ma nā kūʻai'ē aʻe. ʻAʻohe APR i nā mahina he 12 mua aʻaʻole hoʻi e ukuʻia no nā kāleka'ē aʻe no kāu poʻe limahana.
Ka Papa Luna Nui
ʻO ka Milestone Mastercard hoʻi he kaulana no ka kalaʻana ma mua o nā pilikia pili kālā a iʻole nā moʻolelo hōʻailona hōʻeuʻeu a'āpono iāʻoe a me kāuʻoihana. Ua like kēia kāka i ka kālepaʻoihana i hāʻawiʻia e Total Visa, akā he mau mea likeʻole kona. Ma mua o kahi uku pālahalaha, e hoʻomau mau ana i ka makahiki, e nānāʻo Milestone i kou kū'ē i kēlā me kēia makahiki a hoʻololi i ka uku e like me ia. Inā hiki ke kūpono kou hilinaʻi, hiki iāʻoe ke manaʻo e hāʻule like ka uku. ʻO ke kala kālā makahiki mai $ 35 a $ 99. Hōʻike kēia kālepa i nā bureaus credit, a hāʻawi mai i ka pale pale.
Ka Lā Lalo
E hōʻoia i kāuʻikeʻike pilikino a me kāuʻoihana i mua o ka noiʻana i kāleka kālekaʻoihana , a inā he haʻahaʻa kāu mau helu, e nānā i ka weheʻana i kahi pūʻulu me kekahi o kēia mau mea'ai'ē hoʻokele nuiʻole a loaʻa paha i kahi kāleka kāleka hōʻoia e hoʻomaka ai e hoʻokumu i kaʻoihana kūpono. hana loiloi.