Nui nāʻano loina'ē aʻe e hiki ke loaʻa me he mea lā i hoʻohanaʻiaʻoe, inā lōʻihi i loaʻa iāʻoe kekahi kālā maʻamau e like me ka nele i ka hana, ke kīnā, a me ka uku kālā.
Loaʻa ka loaʻaʻole o ka uku kālā me nā mea hāʻawi kālā.
ʻO kekahi o nā ala liʻiliʻi a me ka wikiwiki loa eʻike i ke kālā wikiwiki,ʻo ka hoʻohanaʻana i nā kāleka kāleka e loaʻa ai kahi kālā i mua a noiʻana i nā hoaaloha a iʻole kaʻohana no nā loans. Nā koho'ē aʻe:
Loaʻa i kou Home a iʻole Life Insurance
- ʻO ka Lālā Kaulike Loaʻa o ka Loaʻa (HELOC) heʻano loan e like me ka loaʻaʻana o kahi kāleka kāleka me kahi kaulike pale. Inā loaʻa iāʻoe ka nui o ke kaulike ma ka waiwai waiwai, a me kekahiʻano kālā (ka nele i ka hana, alimony, a me nā mea'ē aʻe) hiki ke kohoʻia kēia.
- Ke noi aku nei i kāu'ilihui hoʻopiʻi ola e pili ana i kāu hoʻolahaʻana e puka mai i kahi'āpana kālā. E kūkākūkā i kou kāleka āpana aiʻole ka uniona no kāu'ōlelo aʻo.
- I ka manawa e ukuʻia ai ka hōʻai'ē, e hōʻano houʻia ka hōʻai'ē no ka manawa e pono ai.
- Hoʻolahalaha pinepineʻia kēia mau haʻawina no ka manawa lōʻihi a ua maʻalahi hoʻi i ka hikiʻana i nā mea noi ke hoʻonohonoho i nā uku no nā makahiki 5 - 25.
Loan me kekahi pūlima hōʻailona
Inā hiki, hiki i kahi hoaaloha a mea paha o kaʻohana me kahiʻoi aku maikaʻiʻoi aku eʻae i kahi loina, hāʻawi iāʻoe i kahi kūpono maikaʻi loa no ka loaʻaʻana o kahi hōʻai'ē a me ka ukuʻoi aku.
Ponoʻoe e hōʻoiaʻiʻo i kahi kālā e loaʻa ai a loaʻa iāʻoe ka pono mai kahi palapala i kākauʻia e hōʻoia i ka mea nāna e hāʻawi aku i ka mea pili.
Kuhi kālā
Nui nā kāleka hāʻawi i ka loaʻa kālā. He ala wikiwiki e loaʻa ai ke kālā, akā e hoʻomaopopo i ka kiʻekiʻe o ka huina kālā.
Nā Loina Lālā Pū
Inā ua uku muaʻia kāu kaʻa a ua nui paha ma luna o ia mea no ka meaʻoi aku ka waiwai ma mua o kāu aie, he koho no kahi kālā kālā wikiwiki.
He hana loiloi-ʻoi-loea akamai kahi i mālamaʻia ai ke poʻo inoa e ka hale kālā o ka hale kaʻa a hiki i ka manawa e ukuʻia ai ka hōʻai'ē ma ka kaʻa. E like me nā mea'ē aʻe'ē aʻe, makemake nā kamupala uku hoʻoili kaʻa kaʻa i ka manawa maʻamau, akāʻo ka hapanui e'āpono i nā loiloi i hōʻoia. Loaʻa nā polokalamu he nui i ka pūnaewele a laila e noi iāʻoe e lawe mai i loko o ke kaʻa e nānāʻia i loko o ke kanaka, a hiki i kekahi ke hana i nā mea a pau i ka manawa hoʻokahi. ʻAʻole hiki ke noi, akā he uku no ka uku nui inā eʻaeʻoe i ka loina. He kiʻekiʻe nā haʻawina akā,ʻaʻole iʻoi aku ka nui o nā loans uku uku, aʻo nā hua'ōlelo o ka hōʻai'ē e mau loa aku nei.
Nā Loan Haʻawi Kū'ē
ʻO nā hōʻai'ē hoʻolālā hoʻoili e lilo i mea e hōʻemi ai i ka uku mahina a me ka ukuʻana i ka hōʻai'ē me ka maʻalahi, i ka manawa iʻole he kālā i koe. Hoʻolālāʻimi i kaʻimi kālā no ka noiʻiʻana e pili ana i nā loina no ka poʻe hanaʻole. Me ke kālā hōʻai'ē aie, hiki iāʻoe ke pale aku i nā mea'ai'ē, loaʻa nā uku liʻiliʻi haʻahaʻa, a hoʻopau i ka uku o nā uku.
Pawnbrokers
ʻO Pawnbrokers kekahi kumu kālā kālā'ē aʻe no ka poʻe nele. Uaʻokoʻa lākou ma mua o nā lālā kālā hōʻai'ē no ka meaʻaʻoleʻoe e haʻalele i kēia mea a hiki i ka wā e uku aiʻoe i ka hōʻai'ē. Ināʻaʻohe āu kālā,ʻo ia paha ke koho maikaʻi loa iāʻoe. ʻO nā mea a pau āu e koho ai e hoʻopiliʻia, e hoʻohālikeʻia, no ka nui o ka haʻawina ma mua o ka waiwai maoli.
E hāʻawi lākou iāʻoe i hōʻai'ē no ka hapalua o ia mea, hāʻawi a lawe paha, e hilinaʻi ana i nā hale kūʻai pawn pākahi. Ināʻaʻoleʻoe e uku i ka hōʻai'ē me ka ukupanee a huli paha i ka hoʻomauʻana o kēlā loina, e mālama lākou i kēlā mea e uku. ʻAʻole hiki ke hoʻopiliʻia kāu hōʻai'ē inā loaʻaʻole iāʻoe ke kū'ē ma ka hōʻai'ē.
Nā Loans Pokoke wā uku
ʻO nā lāpili uku uku nui eʻae i ka hōʻoia o ka nele i ka hana, ke kīnā, a me ka mea alimony (aiʻole nā kumu'ē aʻe o ka loaʻa kālā) me ka ukuʻole. Ke hopohopo wale nei lākou i ka hōʻoia o kekahiʻano kālā e komo i loko o kahi helu no ka hoʻomākaukauʻana no ka uku o ka uku. ʻO nā loans uku pānaʻi he manawa pōkole a he kumukūʻai, akā, he koho i ka manawa e paʻa ai ke kālā a pono pono koke.
Nā mea'ē aʻe
ʻO kekahi poʻe hāʻawi kālā e hāʻawi i ke kālā i ka poʻe hanaʻole me ka nuiʻole o nā palapala a hōʻoia paha o ka loaʻa kālā inā loaʻa iāʻoe kahi kālā nui (25% aʻoi aʻe).
E kūkākūkā i nā poʻe loea likeʻole (ka lehulehu a me nā mea huna) e pili ana i ka hoʻohanaʻana i nā hōʻai'ē o kēia manawa e like me ka uku no ka uku kūpono.