Ka hoʻomaopopoʻana i keʻano o ka makemake o ka Lender Business
Pehea ka Lender e makemake ana eʻike
ʻEkolu wale nō nīnau a ka mea uku e makemake nei eʻike:
- He aha ka nui āu makemake?
- Peheaʻoe e uku ai?
- Pehea e hiki ai iaʻu ke palekana ināʻaʻoleʻoe e uku iaʻu?
ʻo ia wale nō. ʻAʻole hiki ke maʻalahi. Aia ke kiʻi i ka mea e makemake ana kāu mea uku e pane i kēia mau nīnau. Hiki ke ho'ākākaʻia nā pono hana i ka "4 C".
ʻO nā 4 C o ke Kū'ē Kū'ē
Inā makemakeʻoe i kāu noi e loaʻa kahi kūlana o ka holomua, ponoʻoe e hana ma nā 4 C. Eia lākou, no ka mea nui:
ʻAno
ʻO ka moʻolelo e pili ana i ka moʻolelo kālā o ka mea noi; ʻO ia keʻano o ka "mea kālā" kēia kanaka aʻoihana paha? Hiki ke hoʻoholo pinepineʻia ka hanaʻana ma ka nānāʻana i ka moʻolelo moʻomanaʻo, e like me ka mea i hōʻikeʻia i ka helu'ai'ē (FICO score). Nā mea e pili ana i kāu heluʻai'ai'ē:
- Late uku
- Nā hōʻike hōʻailona
- Loaʻa kālā
- Ka hōʻai'ē nui
ʻAiʻia
ʻO kou hilinaʻiʻiaʻo kou hiki ke hoʻohuli i kou mea nāna e loaʻa ka waiwai e hiki ai i kāuʻoihana ke holomua.
Aiaʻelua mau kumu i ka hilinaʻi:
ʻO kahi Pāʻoihana Pōʻali Kūʻaliʻoiaʻiʻo, e like me nā kālā kālā nui, e hōʻike iāʻoe i ka mana e hōʻike i ka uku, no laila hiki iāʻoe ke uku i ka loina (hoʻomanaʻo # 2 ma luna aʻe). ʻO ka hōʻai'ē kūleʻa maikaʻi, no ka mea, e hōʻoiaʻiʻo pahaʻoe i ke loiloi, a makemake ka mea kūʻai eʻike he wahi moʻolelo kāu no ka hoʻokōʻana i kāu kuleana kālā (e hoʻomanaʻo # 2 ma luna aʻe nei).
Kūkākūkā
ʻO ke kuʻuna o ka loaʻaʻana o kekahi kālā e hiki ai iāʻoe ke hoʻohiki i ka'auke. I nā hua'ōlelo'ē aʻe, makemake lākou i ka "hoʻoiho kālā" no ka loaʻaʻana iāʻoe kahi hōʻai'ē "loaʻa". E makemake ana kāu mea noi e hoʻohele i kaʻeha inā pau kāuʻoihana. No laila ke makemake neiʻoe e kau i kāu kālā kiko'ī aiʻole kālā kālā (e like me nā waihona kālā mālama) ma ka laina. Makemake kekahi mau bank i ka 100% iho.
ʻAʻole kēia manaʻo he makemake lākou e hoʻolakoʻoe i ka 100% o ke kālā; inā hiki iāʻoe ke hana i kēlā,ʻaʻoleʻoe e makemake i ka hōʻai'ē. Akā makemake lākou i kekahi mau waiwai e hiki iāʻoe ke hoʻohiki. Ināʻaʻoleʻoe i nā waiwai, pono ke koi iāʻoe e loaʻa i ke kāleka i ke kau inoa ; ʻo ia hoʻi, he mea i loaʻa ka hōʻai'ē e hōʻo'ē kū'ē i ka hōʻai'ē. Hiki paha iāʻoe ke loaʻa i kahi hōʻai'ē SBA-i kākoʻoʻia, kahi e hiki ai iā SBA ke hoʻohana i kāu pūlima inoa, i mea e hōʻona ai i ka makemake o kaʻaʻa no ka hōʻailona. E hōʻailonaʻoe i kahiʻaelike hoʻoili pāʻoihana .
Ka nui
Nui ke kālā i kāu waiwai waiwai . Lawe mai i kahi papa inoa o nā waiwai waiwai āu e hoʻohana ai i mea pale no ka loina. ʻO ka puʻuwai ka mea paʻakikī loa o ka loaʻaʻana o kahi hōʻai'ē no kahiʻoihana hou no ka meaʻaʻole pono nāʻoihana hou i nā lako a me nā pono; no laila lākou e makemake ai i ka hōʻai'ē, e kūʻai i kēia mea. Inā loaʻa iāʻoe nā waiwai waiwai āu e kōkua ai i kaʻoihana, hiki iā ia ke kōkua i ka hōʻoiaʻana i ka loina, inā pahaʻoe e hoʻonui a iʻole e hoʻohui i nā papa inoa kūʻai i kahiʻoihana e kū nei.
Kūleʻaʻia nā waiwai waiwai ma ke kūlana kūʻai kūpono (current),ʻaʻole i ka mea āu i kūʻai ai iā lākou, aʻo ka ho'ēmi kaulike e ho'ēmi ana i ka waiwai. No laila, ināʻoe i kūʻai i kahi'āpana hana iʻelima mau makahiki i hala aku nei no ka $ 25,000,ʻaʻole e hāʻawi ke kāleka iāʻoe i $ 25,000 no ka mea, no ka mea,ʻoi aku ka emi o kāna kūlana kūʻai maʻamau ma mua o $ 25,000. ʻO ia ke kumu kūʻai nuiʻole o ka waiwai kālā i kahiʻupena ma mua o ka hilinaʻi a me ka palekana.