ʻO nā hui moraki i lilo i ka panakalupa 2021
Kūʻai kūʻai a me ka manaʻo. ʻO kēia ke ala makemake a maʻamau, kahi e lawe ai ka panakō olakino i nā waihona i hoʻopaʻa ʻia o ka panakō hāʻule. ʻO ka poʻe i hoʻopaʻa ʻia o ka panakō hāʻule e lilo koke i poʻe waihona kālā no ka panakō manaʻo a loaʻa iā ia ke kālā i hoʻopaʻa ʻia. Hiki i ka panakō e lawe i nā waihona ke kūʻai aku i nā hōʻaiʻē o ka panakō hāʻule a me nā waiwai ʻē aʻe.
Ke lawe ʻia nā waihona kālā o ka panakō hāʻule ʻole e kahi panakō hāmama, wehe hou kekahi a i ʻole nā keʻena āpau i ka lā ʻoihana e hiki mai ana, a ʻaʻole e hoʻopau ʻia ka hana ʻana o nā loiloi i huki ʻia ma ka panakō hāʻule. ʻO kahi ʻokoʻa i kēia kaʻina hana hiki ke komo i nā loiloi i huki ʻia ma kahi waihona waihona i hoʻoholo ʻia ʻaʻole i hōʻoia ʻia a i ʻole kahi moʻokāki e kali nei i kahi hoʻoholo hoʻoholo inikua.
Inā loaʻa kahi panakō kūʻai, e ʻae ʻo ia i nā hōʻaiʻē a ka panakō hāʻule ʻole a me nā palapala waihona no kahi manawa pōkole. E loaʻa iā ʻoe ka ʻike e pili ana i nā loiloi hou a me nā loaʻa kālā mai ka panakō kūʻai.
He aha kāu e hana ai inā kūʻai ʻia kāu moraki i kahi hui ʻino?
Inā ʻoe ma hope o kāu uku moraki, makemake kāu mea hāʻawi iā ʻoe e uku iā lākou. Inā ʻaʻole ʻoe, e hana ka mea hāʻawi aku i ke kānāwai. Kapa ʻia kēia he hana no ka loaʻa ʻana a hiki ke alakaʻi iā ʻoe i ka nalo ʻana i kou home.
Inā e kipaku ʻia ʻoe, hiki iā ʻoe ke haʻi aku i kāu mea hāʻawi kālā he kanaka koʻikoʻi ʻoe. Inā ʻae lākou e hoʻokuʻu i ka hoʻokuke ʻana, pono ʻoe e haʻi koke i ka ʻaha a me nā bailiffs, nona nā kikoʻī pili ma ka leka hoʻokuke. E hoʻonohonoho lākou i kahi manawa hou e kipaku iā ʻoe: pono lākou e hāʻawi iā ʻoe i 7 mau lā hou.
Hiki iā ʻoe ke ʻōlelo aku ua hana hewa a kūpono ʻole paha kāu mea hāʻawi kālā, a ʻaʻole i hahai i nā kaʻina hana kūpono. Hiki i kēia ke kōkua i ka hoʻopaneʻe ʻana o ka ʻaha hoʻokolokolo a i ʻole ka hoʻohuli ʻana i ka luna kānāwai e hoʻopuka i kahi kauoha hoʻopaʻa ʻia ma mua o ke kūkākūkā ʻana i kahi kuʻikahi me kāu mea hāʻawi e hiki ke alakaʻi i kou kipaku ʻia mai kou home.
ʻAʻole pono kāu mea hoʻolimalima moraki e hana i ke kānāwai e kūʻē iā ʻoe me ka ʻole o ka hahai ʻana i nā Codes of Conduct (MCOB) i hoʻonohonoho ʻia e ka Financial Conduct Authority (FCA). Ua ʻōlelo nā lula e pono e mālama pono kāu mea hōʻaiʻē moraki iā ʻoe a hāʻawi iā ʻoe i kahi manawa kūpono e hoʻoponopono ai i nā aie, inā hiki iā ʻoe. Pono ʻoe e noʻonoʻo i kekahi noi kūpono āu e hana ai e hoʻololi i ka manawa a i ʻole ke ʻano o ka uku. Pono ka mea hoʻolimalima moraki e hana i ke kānāwai ma ke ʻano he hopena hope loa inā ʻaʻole i kūleʻa nā hoʻāʻo ʻē aʻe a pau e hōʻaiʻē.
He aha ka hopena i nā hōʻaiʻē ke pani ʻia ka panakō
Kapa ʻia kēia ʻo ka net interest margin a i ʻole NIM, ʻo ia ke ana o ka ʻokoʻa ma waena o ka uku ukupanee i hana ʻia e ka panakō a me ka nui o ka uku panee i uku ʻia, pili i ka nui o nā waiwai uku ukupanee o ka panakō.
He nui nā kumu kālā o nā panakō (e ʻike i lalo), akā ʻo nā hōʻaiʻē he ʻāpana nui o ka waiwai uku ukupanee. ʻO nā ʻano ʻē aʻe he kālā kūʻai nui, e like me ka securitization, a i kekahi manawa ke kōkua mai ka Reserve Bank.
ʻElua ala nui e hiki ai i kahi panakō ke hāʻule. Pono ka nui o ka poʻe e hoʻōki i ka uku ʻana i kā lākou hōʻaiʻē a i ʻole e huki i kā lākou kālā mai ka panakō. Inā ʻaʻohe kālā Armageddon, ʻaʻole paha e hiki mai kēia.
ʻO kekahi o nā ʻoihana kālā hope loa o Australia i hāʻule, ʻo ia ka Queensland Permanent Building Society, ka mea i loaʻa i kahi panakō a pani ʻia kona mau puka i ka makahiki 1977. ʻOiai i kēia hihia koʻikoʻi, ua uku ʻia ka poʻe waihona kālā me ka ʻole o ka pohō, mahalo nui ʻia i ka lawe ʻana o ke Aupuni Mokuʻāina. Keena Inikua.
He aha ka hopena inā banekorupa kaʻu hui hōʻaiʻē?
Ua ʻike paha ʻoe he ʻokoʻa ma waena o kāu mea hāʻawi a me kāu luna? ʻO ka mea hāʻawi kālā ʻo ia ka hui āu e hāʻawi kālā ai, ʻo ka mea maʻamau i kahi panakō, hui ʻaiʻē, a i ʻole hui moraki. Ke loaʻa iā ʻoe kahi hōʻaiʻē home, kau inoa ʻoe i kahi ʻaelike a ʻae e uku i ka mea hāʻawi.
ʻO ka luna hoʻomalu ka hui nāna e mālama i ka mālama ʻana i kēlā me kēia lā o kāu moʻokāki. I kekahi manawa ʻo ka mea hāʻawi kālā hoʻi ka mea lawelawe. Akā pinepine, hoʻonohonoho ka mea hāʻawi i kahi hui ʻē aʻe e hana ma ke ʻano he luna. He mea nui e ʻike i kāu mea lawelawe moraki no ka mea ʻo ia ka hui
ʻO ka maʻamau, pono ka luna hoʻoponopono e hōʻaiʻē i kāu moʻokāki i ka lā āu e loaʻa ai. Ma ia ala, ʻaʻole pono ʻoe e uku i nā uku hou aku, a ʻaʻole e hōʻike lohi ka uku i ka mea hāʻawi. Hōʻike ʻia nā uku hope ma kāu hōʻike hōʻaiʻē a hiki ke hoʻopilikia i kou hiki ke loaʻa ka hōʻaiʻē i ka wā e hiki mai ana. ʻO ka nui o nā uku lohi hiki ke alakaʻi i ka paʻamau a me ka paʻa.
E nānā i nā leka a pau, nā leka uila, a me nā ʻōlelo ke loaʻa iā ʻoe mai kāu mea lawelawe moraki. E hōʻoia i kāu mau moʻolelo e like me kāu. Pono ka hapa nui o nā luna hoʻomalu (koe ka mea liʻiliʻi loa) e hāʻawi iā ʻoe i kahi puke coupon (pinepine i kēlā me kēia makahiki) a i ʻole he ʻōlelo i kēlā me kēia pōʻai kālā (pinepine i kēlā me kēia mahina). Pono nā mea lawelawe e hoʻouna i nā ʻōlelo maʻamau i nā mea hōʻaiʻē āpau me nā moraki hiki ke hoʻololi ʻia, ʻoiai inā koho lākou e hoʻouna iā lākou i nā puke coupon.
