Loaʻa ka paʻakikī i kahi kālā kālā liʻiliʻi
ʻO ka mea pōʻino, uaʻikeʻole nā pūnaewele waiwai i ka hāʻawiʻana i nāʻoihana liʻiliʻi - e like me ke noiʻana i kahi noiʻana ma kahi o kahi o 10,000 mau noi noi pāʻoihana ma US 82% ua hōʻoleʻia e kā lākou kāleka kālā .
ʻO ka piliʻana i nāʻoihana liʻiliʻi,ʻo ia paha o ka hoʻomakaʻana, he manaʻo hoʻopiʻi loa ia no nā kāleka ma mua o ka hāʻawiʻana i ka hoʻoili a hāʻawi kālā i nāʻoihanaʻoi aku.
Eia hou, no ka hāʻawiʻana i nā kumukūʻai palapala no ka loiloiʻana, hōʻoiaʻiʻoʻana, a me ka hanaʻana i kahi kālā liʻiliʻi like me ka mea nui, hiki i nā kāleka ke hoʻonui i ko lākou waiwai ma ka nānāʻana i nā loina nui aku i nāʻoihanaʻoi aku. $ 500,000). A no ka hōʻoleʻiaʻana no ka hoʻonui kālāʻana i nā manawa he nui,ʻoi aku ka uku o nāʻoihana liʻiliʻi i nā huina kālā nui ma nā loina ma mua o nāʻoihana nui.
E noʻonoʻo paha i loaʻa paha iāʻoe kahi hōʻai'ē maikaʻi a me ka hoʻolālāʻoihana paʻakikī aʻaʻole hiki ke loaʻa i kahi hōʻai'ē pāʻoihana liʻiliʻi no ka meaʻaʻole āu kuleana . Hiki i nā paʻahana hana paʻa ke loaʻa iā lākou iho ma kēia kūlana, ināʻaʻole lākou e lawa i nā waiwai waiwai , e like me nā hale a me nā waiwai'ē aʻe.
I nā hua'ōlelo'ē aʻe,ʻaʻole e hāʻawiʻia ke kālā pāʻoihana liʻiliʻi ma ke kūlana o kāuʻoihana; ua hāʻawiʻia ia ma kāu kūlana kālā pilikino.
No laila, he mea nui ka hale waihona waiwai pono'ī ma mua o kou noiʻana i kahi pāʻoihanaʻoihana liʻiliʻi.
Eʻike nō hoʻiʻoe i ka nui o nā poʻe hāʻawi kālā i ka hāʻawiʻole i nā kālā o nā keiki. ʻOiai lākou eʻaeʻa nei e hāʻawi i kahi pānaʻi pāʻoihanaʻuʻuku e kōkua i ka uluʻana o kahiʻoihana,ʻaʻole lākou makemake e lawe i ka pilikia o ka hāʻawiʻana i kahi hoʻomaka.
ʻO nā mea a pau i'ōleloʻia, loaʻa iāʻoe kahiʻoi aku kūpono loa no ka loaʻaʻana o kahi kālā pāʻoihana liʻiliʻi ināʻikeʻoe i kahi e nānā ai a ua mākaukau no ka hālāwaiʻana i nā manaʻo o ka mea noi. E hoʻomanaʻo i ka noʻonoʻo nuiʻana o nā mea hāʻawi i ka hoʻopiʻiʻana i ka hopena a me ka'āponoʻana i kā lākouʻike i kāu hiki ke uku i ka hōʻai'ē.
Ka Hoʻonuiʻana i nā Paʻi o kahi Hoʻopiwai Loan Loa
Ma waho aʻe o ka palekana kūpono, e pono ana i nā pūnaewele waiwai kēia mau mea ma mua o ka nānāʻana i kahi noi noi kālā:
- ʻO kahi palapala hoʻolālāʻoihana e hōʻike ana i kāu hui, nā huahana, ka makai kūʻaiʻia , nā limahana, nā kālā kālā a me nā hōʻai'ē kālā, a me nā mea'ē aʻe.ʻImi nā keʻena i nā maheleʻoihana e hōʻoluʻolu iā lākou ihoʻo kaʻoihana e hāʻawi nei iā lākou e holomua paha. No laila, pono ka hoʻolālā hana e hōʻike i kekahiʻanoʻoihana paʻa paʻa i kākoʻoʻia e ka mana maikaʻi.
- Ināʻoe heʻoihana i hoʻonohonohoʻia,ʻike e like me ka hōʻai'ē / hōʻai'ē hōʻai'ē, nā'auke kālā, a me nāʻike kālā'ē aʻe. Ponoʻoe e hoʻokomo i nā kālā loaʻa a me nā kālā e uku i nā'ōlelo, a me nā kuhikuhi mai nā mea kūʻai aku e hōʻike ana iāʻoe he paʻakikī paʻa o ka hanaʻana i nā uku i ka manawa. I ka hopena, e kau i nā pepa kaulike , nāʻauhauʻauhau pili kālā, a (inā hiki) i nā'ōlelo kuhi kālā i hoʻopaʻaʻia no nā makahiki i hala iho nei o kaʻoihana.
- ʻO kahi hōʻuluʻulu waiwai pilikino, e like me nā hōʻemi o nā waiwai e like me ka waiwai, nā kaʻa, nā kālā hoʻolālā, etc. a me nā aie e like me nā moraki, nā loans, ka'ai'ē kāleka kāleka, a pēlā aku.
E hoʻomanaʻo i nāʻauwai e koi pinepine i ka'upi kālā hōʻai'ē i nā loina pāʻoihana, e uhi ana i ka uku o ka hōʻai'ē ma ka hihia o ka make a me ke kīnā o ka mea mea waiwai.
No nā mea hou aʻe no ka hoʻouluʻana i kāu kūlana o ka loaʻaʻana o kahi pāʻoihanaʻoihana liʻiliʻi, eʻike i pehea e loaʻa ai kahi kālā kālā liʻiliʻi .
ʻO nā kālā hōʻai'ē e lilo i mea maikaʻi loa aʻe ma mua o nā pēke
ʻO nā uniona hōkeo he kumu waiwai nui loa ia no ke kālā kālā no nāʻoihana liʻiliʻi. Wahi a ka Huffington Post: "Mai ka mahina o Iune 2007, i ka hoʻomakaʻana o ka pōʻino kālā, hiki iā Dekemaba 2015, nā hana pāʻani liʻiliʻiʻoi aʻe ma nā hōʻai'ē kālā ma mua o ka hoʻonui pāluaʻana ma o ka liʻiliʻi he 130% ma mua o ka wā.
ʻO ke kumukūʻai ma keʻaupuni, ua haki maoli nō ka 10% i kēlā manawa. "
ʻAʻole nāʻaha kālā iʻoi aku ka liʻiliʻi, heʻoi aku kaʻoihana o nāʻoihana o ka'āina a no laila e hāʻawi aku i nāʻoihana liʻiliʻi ma ko lākou mau kaiaulu. Ma nāʻaoʻao'ē aʻe, ua loaʻa i nā 'āpana kālā ka nui a me ka nui o nā aupuni (a me nāʻokoʻa) ma waena o nā haʻuki a me nā kūʻai. ʻO ka nui o ka hoʻokumuʻana i nā hoʻoholo pili liʻiliʻi (e like me nā kulekele hāʻawi kālā) i ka launa kūloko.
Kaʻanaʻana: Ua hōʻoleʻia ke noi a Steven no kahi pāʻani pakihi liʻiliʻi no ka mea,ʻaʻohe ona palekana.
Nā Kōmi Waiwai Waiwai
ʻO nā hoʻokomo kālā hoʻolimalima kālā nā hui hoʻokupuʻole i hoʻolaʻaʻia no ka kōkuaʻana i nā kānaka hikiʻole ke loaʻa nā loina e pono ai lākou e kū i ko lākou mau wāwae mai kahi hana hoʻolimalima (e like me ka panakō a iʻole kaʻahahui), no ka meaʻaʻole i loaʻa iā lākou ka hōʻai'ē moʻolelo a iʻole ka hōʻailona e koiʻia ana e kahi hana hana moʻomeheu. ʻO kekahi o kēia mau Loan Fund Community e kōkua pū i nā poʻe i loaʻa nā moʻolelo hoʻomanaʻo hōʻino (ʻoiai paha lākou e koi mau e hele i loko o nā'ōlelo loiloi kālā).
No laila, ināʻaʻoleʻoe i ka moʻolelo hōʻai'ē a hoʻopalekana paha no ka hemoʻana, no ka mea he malihini houʻoe a no kou'ōpiopio paha, a inā i loaʻa iāʻoe kahi hōʻai'ē hōʻai'ē no ka hoʻopiʻiʻana i nā pilikia, hiki i kāu Lālā Loan Community ke hāʻawi. ʻOʻoe kahi pāʻoihanaʻoihana liʻiliʻi.
ʻO kāuʻoihanaʻoihana e pono e noho i kahi'āina, akā. Hāʻawiʻia nā kālā hoʻokomo kālā e ka lehulehu ma kā lākou mau kaiaulu pono'ī. ʻOiai kahi waihona kālā i loaʻa i kekahi kākoʻo aupuni,ʻo ka hapa nui o ke kālā hōʻai'ē e loaʻa mai i nā kālā i noiʻia mai nā halepule mai, nā hui lawelawe, a me nāʻoihana kūloko.
ʻO nā kālā kālā kālā likeʻole e hāʻawi ana i nā palena'āina likeʻole, no laila,ʻaʻole e kākau koke iā lākou i kumu waiwai o ke kālā hoʻomaka a iʻole ke kālā e hoʻonui i kāuʻoihana liʻiliʻi; ināʻoe eʻimi ana i kahi pānaʻi pāʻoihana liʻiliʻi,ʻo ia ka mea e hoʻomaka ai i kahiʻoihana, pono kūpono e nānā aku i kāu Kōmike Loan Community no kaʻikeʻana inā hiki iāʻoe ke kūpono.
Ma mua o kou noiʻana i kahi kālā kālā kau kālā
ʻO kēlā me kēia o nā Loan Fund Loan ke makemake nei eʻike i kahiʻoihanaʻoihana paʻa e lilo i wahi o kāu noi. Ināʻaʻoleʻoe i hoʻokahi,ʻo ka papahana Moʻomanaʻo Kālā Papa e hoʻomaka ana me ka Hōʻike Hōʻike Pakihi e alakaʻi iāʻoe ma ke kaʻina o ke kākauʻana.
E nānā hoʻi:
8 Nānā o ka hoʻomakaʻana i ke kālā
ʻO ka hoʻomakaʻana i kahiʻoihanaʻoihana
Ke hoʻomakaʻana i kahi Pāʻoihana: Loaʻaʻana i ke Kālā Waiwai Pāʻoihana