He poʻe moraki nā panakō?
E ʻike i kahi āu e kū ai i ke kālā No ka ʻike inā ua mākaukau ʻoe e ʻaiʻē hou, hiki iā ʻoe ke ana i kou kūlana ʻaiʻē ma muli o nā pae hoʻohālike e hoʻohana ʻia e nā mea hāʻawi kālā ke nānā lākou i kāu noi. Ke noi nei ʻoe no kahi moʻokāki hōʻaiʻē hou, loiloi nā mea hāʻawi kālā i kāu noi ma muli o nā kumu nui i ʻike mau ʻia ʻo ka 5 C's of aie.
He aha ia Collateral he waiwai pilikino iā ʻoe, e like me ke kaʻa, ka waihona mālama kālā, a i ʻole ka home. No ke aha he mea nui ia Collateral i nā mea hāʻawi kālā no ka mea e hoʻopau i ka pilikia a lākou e lawe ai i ka wā e hāʻawi ai lākou iā ʻoe. ʻO ka hoʻohana ʻana i kāu waiwai ma ke ʻano he kolala e hāʻawi iā ʻoe i nā koho hōʻaiʻē hou aʻe, me nā moʻokāki hōʻaiʻē i loaʻa paha nā uku uku haʻahaʻa a me nā huaʻōlelo maikaʻi aʻe. Ke hoʻohana nei i ke koʻikoʻi Inā loaʻa iā ʻoe nā waiwai, e like me ke kaulike o kou home, hiki iā ʻoe ke hoʻohana ia mea ma ke ʻano he mea hōʻaiʻē e hoʻopaʻa i kahi hōʻaiʻē, e ʻae iā ʻoe e pōmaikaʻi mai kahi palena ʻaiʻē kiʻekiʻe, nā huaʻōlelo maikaʻi a me ka uku pānaʻi haʻahaʻa. Akā, e hoʻomanaʻo ʻoe i ka wā e hoʻohana ai ʻoe i kahi waiwai i mea hōʻaiʻē, hiki i ka mea hāʻawi ke kuleana e hopu inā ʻaʻole i uku ʻia ka hōʻaiʻē.
Pono e loaʻa iaʻu kahi moraki ma o kaʻu panakō?
Inā he mea kūʻai aku ʻoe i kēia manawa me kahi moraki mua o ka US Bank a i ʻole ka pūʻolo moraki pilikino US Bank, hiki iā ʻoe ke ʻae i kahi hōʻaiʻē o ka mea kūʻai aku i nā koina pani o kāu moraki e hiki mai ana.1 E lawe i 0.25% o ka nui o kou home mua e hiki mai ana. hōʻaiʻē a unuhi ʻia mai nā koina pani, a hiki i ka palena kiʻekiʻe o $1,000.2
Hiki iā ʻoe ke hoʻololi i kāu leka uila a me kāu koho kelepona kelepona ma ke komo ʻana i loko o ka Pūnaewele Pūnaewele a koho i kaʻu Profile. A laila, koho Hoʻoponopono ma kahi o kāu helu kelepona a i ʻole leka uila a koho i kāu makemake.
ʻO ka uku ʻakomi kahi ala kūpono e hana ai i kāu uku moraki i kēlā me kēia mahina. Ke hoʻonohonoho ʻia, e unuhi ʻokoʻa ʻia kāu mau uku i kēlā me kēia mahina mai kāu hōkeo a i ʻole waihona mālama kālā i ka lā āu e koho ai. Hiki iā mākou ke kōkua iā ʻoe e hoʻokele i nā uku ʻakomi, inā ʻoe e hoʻonohonoho a hoʻololi paha i ka ʻike i loaʻa. Penei e hana ai:
E hoʻohana i kāu moʻokāki a me ka helu alahele no kēia kaʻina hana. Ke hoʻokomo ʻoe i kāu helu hōʻaiʻē a mālama kālā paha no ka uku, e mālama ʻia ia i ka pūnaewele. ʻAʻole hiki iā ʻoe ke hoʻopaʻa inoa a hoʻololi paha i ka uku ʻakomi inā ua hala ka moʻokāki. ʻAʻole loaʻa kēia ʻike inā ua hala ka moʻokāki.
Me ka panakō hea e loaʻa ai iaʻu kahi moraki?
Ma mua o kou kūʻai ʻana i hale, pono ʻoe e koho i ka mea āu e hana pū ai i ke kaʻina kūʻai. Hoʻomaka kēia me kāu mea kūʻai waiwai, ʻoiai he mea nui kāu luna hōʻaiʻē moraki. Hiki iā lākou ke aʻo iā ʻoe e pili ana i ka hōʻaiʻē ʻana a i ʻole nā loan equity home inā loaʻa iā ʻoe kou home. Hiki i ke kākā'ōlelo kālā ke kōkua iā ʻoe e hoʻoponopono i kāu hoʻolālā kālā e hoʻokō i kāu pono aie home. ʻO kēlā me kēia hihia, inā loaʻa iā ʻoe kahi loea hōʻaiʻē hiki iā ʻoe ke hilinaʻi, e loaʻa paha iā ʻoe kēlā kanaka no nā makahiki e hiki mai ana, ʻoiai ʻo ka ʻoihana āu e hana ai.
Ua ʻike ʻia nā panakō lawelawe piha ʻo ia nā ʻoihana kālā i hoʻopaʻa ʻia e federally chartered. Hāʻawi lākou i nā hōʻaiʻē home me nā huahana waihona ʻē aʻe, e like me ka nānā ʻana a me nā waihona mālama kālā a me nā hōʻaiʻē ʻoihana a me nā ʻoihana. Nui nō hoʻi ke hāʻawi aku i ka hoʻopukapuka kālā a me nā huahana ʻinikua. ʻO nā hōʻaiʻē moraki kekahi ʻano o kā lākou ʻoihana. Na ka Federal Deposit Insurance Company (FDIC) e hoʻoponopono a loiloi i nā waihona lawelawe piha.
Ma ka ʻaoʻao ʻē aʻe, hoʻoponopono kēlā me kēia mokuʻāina i nā ʻoihana moraki. ʻOi aku ka koʻikoʻi o kēia mau lula. Eia kekahi, ʻo ka hoʻohana ʻana i kahi hui moraki ʻaʻole hiki iā ʻoe ke hoʻohui i kāu mau moʻokāki kālā āpau i hoʻokahi kula. Akā naʻe, ʻaʻole paha kēia he mea pale no kekahi poʻe.
ʻOi aku ka maikaʻi o ka loaʻa ʻana o kahi moraki mai kahi panakō a mea hāʻawi aku paha?
ʻAʻohe kāleka hōʻaiʻē ka koho maikaʻi loa no kēlā me kēia ʻohana, kēlā me kēia kūʻai, a i kēlā me kēia kālā. Ua koho mākou i nā kāleka hōʻaiʻē maikaʻi loa i mea e pono ai lākou no ka lehulehu o nā mea heluhelu.
ʻAe, akā ʻaʻole maʻalahi. E holo ana ʻoe i kekahi mau pilikia i ka wā e hoʻāʻo ai e uku i kāu moraki me kahi kāleka hōʻaiʻē. ʻO ka mea mua, ʻaʻole ʻae nā panakō e hāʻawi i nā hōʻaiʻē moraki iā ʻoe e uku pololei me kahi kāleka hōʻaiʻē, no laila pono ʻoe e ʻimi i kahi hopena.
ʻO ka pilikia aʻe āu e alo ai, ʻo ia, e like me ia a i ʻole, ʻo nā hopena e hiki ai iā ʻoe ke uku i kahi moraki me ke kāleka hōʻaiʻē hiki ke kūʻai i ke kālā, a hiki i ka lilo ke hoʻolilo i ka uku ʻana i kāu moraki me kahi kāleka hōʻaiʻē ʻoi aku ka maikaʻi inā hana ʻo ia. ia no ka uku.
ʻO ka ʻoluʻolu o ka uku ʻana i ka moraki me kahi kāleka hōʻaiʻē e hilinaʻi ʻia, ma kahi hapa, inā he pono ke hana pēlā. No ka poʻe he nui, ʻo ka ʻike ʻana i nā hopena he nui e pono ai no ka hoʻohana ʻana i kahi kāleka hōʻaiʻē ʻaʻole pono ia ke ʻole he mau pono moraki ʻole. Aia paha kekahi.
