Laʻana hōʻaiʻē wehe
ʻOkoʻa nā hōʻaiʻē wehe, e like me nā kāleka hōʻaiʻē, mai nā hōʻaiʻē i pani ʻia, e like me nā hōʻaiʻē kaʻa, pehea e puʻunaue ʻia ai ke kālā a inā hiki i ka mea kūʻai aku i hoʻomaka e uku i ke koena ke hiki ke hoʻihoʻi hou i ke kālā.
He maikaʻi nā ʻaelike hōʻaiʻē wehe no ka poʻe ʻaiʻē no ka mea hāʻawi lākou i ka mana hou aku i ka wā a me ka nui o kā lākou ʻaiʻē. Eia kekahi, ʻaʻohe ukupanee maʻamau i kau ʻia ma ka ʻāpana o ka laina o ka hōʻaiʻē i hoʻohana ʻole ʻia, hiki ke mālama i ka ukupanee i ka mea hōʻaiʻē e hoʻohālikelike ʻia me ka hoʻohana ʻana i kahi hōʻaiʻē haʻi.
Hoʻokahi o nā ʻano ʻelua: he hōʻaiʻē a i ʻole kāleka hōʻaiʻē. Ma ka mākeke mea kūʻai aku, ʻo nā kāleka hōʻaiʻē ke ʻano maʻamau, ʻoiai lākou e hāʻawi maʻalahi i ke komo ʻana i ke kālā, e loaʻa koke hou i ka wā i loaʻa ai kahi uku. ʻO ka laina kaulike o ka home kekahi o nā ʻano maʻamau o ka hōʻaiʻē ʻana i ka mākeke mea kūʻai aku, e ʻae ana i nā mea hōʻaiʻē e komo i ke kālā e pili ana i ke kiʻekiʻe o ke kaulike ma ko lākou mau home a i ʻole nā waiwai ʻē aʻe.
Ma kahi ʻoihana ʻoihana, hiki i kahi laina o ka hōʻaiʻē hōʻaiʻē ke hoʻohana i nā ʻano hana like ʻole e hoʻoholo ai i ka nui loa. Hiki i kēia mau ana ke hoʻokomo i ka ʻike e pili ana i ka waiwai a i ʻole ka loaʻa kālā o kahi hui, a i ʻole ma o ka hoʻopaʻa ʻana e like me nā waiwai paʻa a me ka waiwai o nā waiwai kino ʻē aʻe nona ka hui.
Loaʻa ka hōʻaiʻē kaʻa?
Hiki i kahi hōʻaiʻē mea kūʻai ke kōkua iā ʻoe e mālama i kāu kālā. Hāʻawi mākou i nā hōʻaiʻē paʻa ʻole a i ʻole e kōkua iā ʻoe i ke kūʻai ʻana i ka nui a i ʻole ka liʻiliʻi, e like me ka lawe ʻana i kēlā moeʻuhane hoʻomaha a i ʻole ka uku ʻana i ka aie kāleka hōʻaiʻē. 'Oko'a ka uku panee a me nā hua'ōlelo ma muli o ke ko'a i ho'ohana 'ia no ka hō'ai'ē.
Hāʻawi ka laina hōʻaiʻē ʻaʻole i hoʻopaʻa ʻia i ka hiki ke komo i ke kālā no nā hoʻolālā i hoʻolālā ʻia (a i ʻole i hoʻolālā ʻia) inā pono ʻoe. ʻO kahi laina hōʻaiʻē ʻaʻole i hoʻopaʻa ʻia he hōʻaiʻē wehe ʻole ʻole hiki iā ʻoe ke komo no nā mea āpau: pale overdraft, hoʻomaikaʻi home, uku ʻana i ka hōʻaiʻē, uhi i kahi kālā i manaʻo ʻole ʻia, inoa ʻoe! Inā ʻoe e hoʻohana i kāu kāleka hōʻaiʻē Shore United Bank e uku no kekahi mea a ʻaʻole lawa kāu kālā i kāu moʻokāki e uhi ai i ke kālepa, hiki iā ʻoe ke hoʻonohonoho i kāu laina hōʻaiʻē ʻole e hoʻoili i nā kālā i kāu moʻokāki e pale aku ai. ua hōʻole ʻia kāu kāleka.
Ua moeʻuhane mau ʻoe i ka loaʻa ʻana o ka moku? Ke kāhea nei nā kai iā ʻoe e hoʻomaka i kahi huakaʻi hou? Malia paha ʻo ka manawa kēia e kamaʻilio ai me kahi mea hāʻawi kālā no ke kūʻai ʻana i kēlā waʻa. ʻO ka hana pū ʻana me kahi mea hāʻawi kālā e hiki iā ʻoe ke kūʻai i kahi moku hou a i hoʻohana ʻia paha i kēia manawa a uku no ka manawa. E noʻonoʻo hiki iā ʻoe ke pakele mai ka ʻoiaʻiʻo ma mua o kou manaʻo me ka ʻole e mālama i kāu mau peni no ka manawa lōʻihi. Inā luhi ʻoe i ka moeʻuhane e pili ana i ka moku, a ua mākaukau ʻoe e lilo i mea haʻaheo no ka moku, e kelepona mai iā mākou! Aia mākou ma ʻaneʻi e hana i nā mea maikaʻi.
He aha ka ʻokoʻa ma waena o ka hōʻaiʻē wehe a me ka hōʻaiʻē pani ʻia?
Ma muli o nā pono, hiki i kahi kanaka a i ʻole kahi hui ke noi i kahi hōʻaiʻē wehe a pani ʻia paha. ʻO ka ʻokoʻa ma waena o kēia mau ʻano ʻaiʻē ʻelua aia ma ke ʻano o ka ʻaiʻē a me ka uku ʻana.
ʻO ka ʻaiʻē i pani ʻia me nā mea ʻaiʻē i loaʻa no kahi kumu kikoʻī a me kahi manawa paʻa. I ka pau ʻana o kekahi manawa, pono e uku ke kanaka a i ʻole ka hui i ka hōʻaiʻē holoʻokoʻa, me ka uku ukupanee a i ʻole nā uku mālama.
ʻO nā ʻano mea maʻamau o nā mea hana hōʻaiʻē i pani ʻia he moraki a me nā hōʻaiʻē kaʻa. ʻO nā hōʻaiʻē ʻelua i ʻaelike ʻia no kahi manawa kikoʻī, kahi e uku mau ai ka mea kūʻai aku. Ma kēia ʻano hōʻaiʻē, i ka wā e hoʻolilo kālā ai i kahi waiwai, mālama mau ka mea hoʻopuka i kekahi mau kuleana waiwai ma luna o ia mea, i mea e hōʻoiaʻiʻo ai i kona hoʻihoʻi ʻana. No ka laʻana, inā ʻaʻole e uku ka mea kūʻai i kahi hōʻaiʻē kaʻa, hiki i ka panakō ke hoʻihoʻi i ke kaʻa i uku no ka uku ʻole.
ʻAʻole kaupalena ʻia ka hōʻaiʻē wehe i kahi hoʻohana kikoʻī. ʻO nā moʻokāki kāleka hōʻaiʻē, nā laina kaulike o ka home (HELOCs), a me nā kāleka hōʻaiʻē he mau hiʻohiʻona maʻamau o ka hōʻaiʻē hāmama (ʻoiai kekahi, e like me HELOC, he mau manawa uku palena ʻole). Hāʻawi ka panakō hoʻopuka i ka mea kūʻai aku e hoʻohana i nā kālā hōʻaiʻē no ka hoʻohiki ʻana e uku i kekahi aie i ka manawa kūpono.
Wehewehe aie Wehewehe
He loea hōʻaiʻē ʻo LaToya Irby nāna i uhi i ka hōʻaiʻē a me ka hoʻokele ʻaiʻē no The Balance no nā makahiki he ʻumikūmākahi. Ua haʻi ʻia ʻo ia ma USA Today, The Chicago Tribune, a me ka Associated Press, a ua helu ʻia kāna hana ma kekahi mau puke.
ʻO Pamela Rodriguez he Certified Financial Planner®, paʻa i nā laikini 7 a me 66, me 10 mau makahiki o ka ʻike ma ka hoʻolālā kālā a me ka hoʻolālā hoʻomaha. ʻO ia ka mea nāna i hoʻokumu a me Luna Nui o Fulfilled Finances LLC, ka mea hōʻike Social Security no AARP, a me ka puʻukū o ka NorCal Financial Planning Association.
He mea hoʻoponopono kūʻokoʻa ʻo Vikki Velásquez a he mea noiʻi me ke kēkelē ma ka Haʻawina Gender. Ma mua, ua alakaʻi ʻo ia i ka noiʻi hohonu e pili ana i ka pilikanaka a me ka hoʻokele waiwai e like me ka hale, ka hoʻonaʻauao, ka like ʻole o ka waiwai, a me ka hoʻoilina mōʻaukala o Richmond VA, a me kāna intersectionality, ʻoiai e hana ana no kahi kaiāulu alakaʻi ʻole. Hoʻohana ʻo Vikki i kāna ʻike waiwai ʻole e hoʻomaikaʻi i ka maikaʻi a me ka pololei o nā ʻike a Dotdash.
