nina loan reddit
No Income No Assets (NINA)[1] he huaʻōlelo i hoʻohana ʻia ma ka ʻoihana moraki US no ka wehewehe ʻana i kekahi o nā ʻano like ʻole o nā mea hāʻawi palapala i ʻae ʻia i ka wā e kākau ana i kahi moraki. Hiki ke kapa ʻia kahi hōʻaiʻē i hāʻawi ʻia ma lalo o kēia mau kūlana he hōʻaiʻē NINA a i ʻole he hōʻaiʻē NINJA.
Ua hana ʻia nā papahana NINA [2] no ka poʻe me ka loaʻa kālā paʻakikī (bartenders, etc.), akā ua hoʻohana ʻia i nā kūlana i makemake ʻole ai nā mea hoʻolimalima a me nā mea hoʻolimalima moraki e pilikia i ka hoʻokō ʻana i nā hōʻaiʻē. ʻaʻole lākou e kūpono, [3] no laila e lilo i kumu nui i ka pilikia o ka hōʻaiʻē subprime. [4] ʻAʻole hiki i ka mea noi ke hoʻihoʻi i kahi helu nui o nā hōʻaiʻē NINA no kēia kumu, e like me ka mea i hōʻike ʻia e nā mea hoʻolaha noiʻi, me ka hōʻike ʻo This American Life and Planet Money e hoʻopau ana i ka Peabody and Polk Award-winning. ʻāpana "The Giant Pool of Money."
ʻO kahi hōʻaiʻē NINJA he inoa kapakapa no nā hōʻaiʻē subprime o ka haʻahaʻa haʻahaʻa. He pun ia ma NINA, kahi i hoʻokumu ʻia ma ke kumu notation no ka pae o ka palapala i koi ʻia e ka mea hoʻokumu moraki. Ua wehewehe ʻia ʻo ia he hōʻaiʻē me ka loaʻa ʻole o ka loaʻa, ʻaʻohe hana, [a] ʻaʻohe waiwai, no ka mea, ʻo ka mea noi wale nō e hōʻoia i kā lākou hōʻaiʻē, i manaʻo ʻia e hōʻike i ka makemake a me ka hiki ke uku. Ua hoʻolaha ʻia ka huaʻōlelo e Charles R. Morris ma kāna puke 2008 ʻO The Two Trillion Dollar Meltdown, ʻoiai ua hoʻohana ʻia ka acronym ma ka lehulehu e kekahi mau mea hoʻolimalima subprime no kekahi mau makahiki[5]. Ua koʻikoʻi loa lākou i ka wā o ka huʻi hale o US ma kahi o 2003-2007, akā ua loaʻa hou ka kaulana ma muli o ka pilikia subprime moraki i Iulai / ʻAukake 2007 ma ke ʻano he hōʻaiʻē maikaʻi ʻole [6]. Hana ʻia ia ma nā pae ʻelua: ma ke ʻano he acronym a ma ke ʻano he kuhikuhi i ka ʻoiaʻiʻo ʻo ka hōʻaiʻē NINJA pinepine ʻole ʻia a nalowale ka mea hōʻaiʻē e like me ka ninja.
nā hōʻailona moraki
'Ōlelo Aʻo: ʻO ka ʻike i loko o kēia palapala ma muli wale nō o nā manaʻo a me nā manaʻo o ka mea kākau. ʻAʻole paha i ʻike ʻia, ʻae ʻia a ʻae ʻia paha e kekahi ʻano o nā hoa pili i ke kaiāulu.
No-Income No-Asset Debt, a i ʻole NINA Mortgage, e kōkua iā ʻoe e lilo i kālā home me ka ʻole o ka hāʻawi ʻana i nā palapala uhi uhi, nā moʻolelo ʻauhau loaʻa, a i ʻole nā moʻolelo ʻoihana kālā e hōʻoia pololei i kahi i puka mai ai kāu waihona.
ʻO ka moraki NINA kahi ʻano kālā like ʻole i hiki ke ʻae ʻia me ka loaʻa ʻole o ka loaʻa kālā maʻamau a me nā palapala palapala i koi ʻia e nā papahana kālā maʻamau. ʻOiaʻiʻo, ʻaʻole ʻoe e koi i nā palapala uku, nā palapala ʻauhau a i ʻole nā koi mea hāʻawi kālā no ka ʻae mua ʻana.
He ʻokoʻa iki ʻo NINA Money mai nā huahana hōʻaiʻē ʻē aʻe i hiki mai i nā manawa i hala, e like me nā hōʻaiʻē kālā hōʻike panakō e hiki ai i nā ʻoihana kālā ke hana me kahi manawa maʻamau 12 a 24. ma kahi o ka ʻauhau ʻauhau.
hōʻaiʻē home
ʻO ka haʻi wale ʻana i ka huaʻōlelo "subprime" ua lawa ia e hoʻouna i nā ʻuʻu i lalo o nā spines o nā mea hoʻopukapuka, nā mea panakō, a me nā mea hale. A he kumu maikaʻi nō ia. ʻO nā moraki subprime kekahi o nā ʻenekini nui i alakaʻi i ka Great Recession. Akā me he mea lā ke hoʻi mai nei lākou me kahi inoa hou: nā moraki makemake ʻole.
Nui nā ʻano o nā hale moraki subprime i loaʻa ma ka mākeke. Akā, he ʻono anei ka rose ma kekahi inoa ʻē aʻe? ʻAʻole paha pēlā. E heluhelu e aʻo hou aʻe e pili ana i kēia mau moraki a me kā lākou mea e hōʻike nei.
ʻO ka moraki subprime he ʻano hōʻaiʻē i hāʻawi ʻia i ka poʻe me ka helu ʻaiʻē haʻahaʻa - 640 a i ʻole ka liʻiliʻi, a pinepine ma lalo o 600 - ʻo ka mea, ma muli o kā lākou mau moʻolelo hōʻaiʻē maikaʻi ʻole, ʻaʻole hiki ke kūpono i nā moraki maʻamau.
Nui ka pilikia e pili ana i kekahi moraki subprime. ʻO ka huaʻōlelo "subprime" pili i ka poʻe hōʻaiʻē a me kā lākou kūlana kālā, ma mua o ka hōʻaiʻē ponoʻī. ʻOi aku ka hewa o ka poʻe hōʻaiʻē kiʻekiʻe ma mua o ka poʻe me nā helu ʻaiʻē kiʻekiʻe.
Pūʻulu moraki 360
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.
