Pono ka loaʻa kālā no kahi moraki 900k
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
Pono ka loaʻa kālā no kahi moraki 400k
Inā koho ʻoe i kahi manawa hōʻaiʻē lōʻihi, e emi ana kāu uku o kēlā me kēia mahina, akā ʻoi aku ka nui o ka ukupanee. Inā koho ʻoe i kahi manawa pōkole, ʻoi aku ka kiʻekiʻe o ka uku o kēlā me kēia mahina, akā e emi ka huina kālā.
Ua like ka uku mahina i ke ola o ka aie. Eia naʻe, hoʻololi nā kālā i hoʻolilo ʻia no ka ukupanee a me ke kumupaʻa. ʻO kēia no ka mea, me nā hōʻaiʻē amortized, pili ka hapa uku o ka uku mahina i ka nui o kāu ʻaiʻē.
Ke lawe mua ʻoe i kahi hōʻaiʻē, ʻoi aku ka nui o kāu uku ukupanee no ka mea ʻoi aku ka kiʻekiʻe o kāu koena. I ka liʻiliʻi ʻana o ke koena, hoʻemi ʻia nā uku ukupanee a ʻoi aku ka nui o ka uku no ka uku ʻana i ka hōʻaiʻē.
No laila, he aha ka awelika ukupanee ma kahi hōʻaiʻē pilikino? ʻAʻole maʻalahi ka paʻi ʻana no ka mea he nui nā kumu i ka pāʻani. Eia nō naʻe, ma nā kīʻaha ākea, hiki iā mākou ke uhaki i ka awelika o ka uku paneʻe e like me ka manawa o ka hōʻaiʻē a me ka helu ʻaiʻē.
ʻO ka uku pānaʻi median no kahi hōʻaiʻē pilikino 24 mau mahina he 9,34% mai ʻAukake 2020, e like me ka ʻikepili hou loa mai ka Federal Reserve. Eia nō naʻe, ʻo ka awelika o ka huina kālā no ka hōʻaiʻē pilikino he 36 mau mahina he 9,21% ma nā hui hōʻaiʻē a me 10,28% ma nā panakō e like me Iune 2020 (ka ʻikepili hou loa i loaʻa), e like me ka National Credit Union Administration.
ʻO 2.500 kālā o ka uku moraki ke kumu kūʻai o ka hale
No ka loaʻa ʻana o kahi moraki Dutch pono ʻoe e hana a noho i Netherlands. Pono kekahi mau panakō ua noho ʻoe ma ʻaneʻi no ʻeono mahina. Hiki iā ʻoe ke hōʻoia i kēia ma ka hōʻike ʻana i kahi palapala uku, ka ʻōlelo hana a i ʻole kahi palapala noho.
E ʻoluʻolu e hana i kahi manawa ma kekahi o kā mākou keʻena. E aʻo ka ʻōlelo aʻoaʻo kālā i kou kūlana, e hōʻike iā ʻoe i ka uku paneʻe ma nā moraki ma Netherlands a hōʻike iā ʻoe i nā ala āpau e hahai ai. He manuahi ka koho mua. ʻO nā ʻanuʻu ʻeono e wehewehe nei i ke kaʻina hana o ke kūʻai ʻana i hale ma Netherlands.
Ma mua o kou hoʻomaka ʻana e nānā i nā hale, pono ʻoe e hoʻoholo i kāu kālā. ʻO kāu mau moraki kiʻekiʻe e pili ana, i waena o nā mea ʻē aʻe, i kāu loaʻa makahiki a me nā hōʻaiʻē a i ʻole nā aie. Ma waho aʻe o kou mana kiʻekiʻe, pono ʻoe e noʻonoʻo i nā lilo o kēlā me kēia mahina āu e ʻoluʻolu ai. Me kā mākou mea hana pūnaewele hiki iā ʻoe ke helu wikiwiki i nā lilo o kēlā me kēia mahina no ka nui o ka moraki i makemake ʻia (aia ka mea hana ma Dutch).
Hiki iā ʻoe ke hoʻolimalima i kahi ʻoihana waiwai e ʻimi i nā hale no ʻoe a kōkua iā ʻoe e hana i kahi hāʻawi. Hana kekahi mau ʻelele me ke kumu kūʻai paʻa, noi kekahi i ke komisina, ma waena o 1 a me 2 pakeneka o ke kumu kūʻai.
Pono ka loaʻa kālā no kahi moraki 300k
Loaʻa i ka ʻaoʻao ʻaoʻao nā pane i nā nīnau i nīnau pinepine ʻia e nā mea kūʻai aku o ka Māhele o nā ʻOihana Waiwai. Inā he nīnau maʻamau kāu e pili ana i nā uku overdraft, nā uku hope, nā uku ukupanee a me nā pilikia ʻē aʻe, e ʻoluʻolu e nānā i kēia ʻāpana ma mua o ka waiho ʻana i kahi koi.
ʻO ke ʻano a me ka wahi o kāu hui kālā e hoʻoholo i ka mana hoʻoponopono āu e hoʻopili ai. Inā loaʻa i ka inoa o kāu hui kālā ʻo NA, National a Federal paha, e ʻoluʻolu e nānā i nā pane i nā nīnau 4, 5 a me 6 ma ka papa inoa ma lalo nei e hoʻoholo ai i ka ʻoihana federal ka mana hoʻoponopono no kāu hui kālā a ma hea e waiho ai i kāu hoʻopiʻi. E ʻike pū ʻoe i nā kuhikuhi i nā luna hoʻoponopono federal ma ka ʻaoʻao RESOURCES o kā mākou pūnaewele.
ʻO ka hana MUA i ka hoʻoponopono ʻana i nā pilikia a i ʻole nā pilikia e hoʻokaʻaʻike aku i kahi mākaʻikaʻi lawelawe mea kūʻai mai kāu ʻoihana kālā. Hoʻoholo pololei ʻia nā pilikia a i ʻole nā kuhi hewa e ka hui kālā. No kēia kumu, noi mākou e hoʻāʻo mua ʻoe e hoʻoponopono i kāu pilikia me ka ʻelele o kāu ʻoihana kālā.
