Pehea e kūʻai ai i kaʻa inā ʻaʻohe ou hōʻoia o ka loaʻa kālā
Nā mea
Ke noi nei ʻoe i kahi hōʻaiʻē kaʻa, makemake ka hapa nui o nā mea hāʻawi i ka hōʻoia o ka loaʻa kālā. Inā ʻaʻole hiki iā ʻoe ke hāʻawi i kēia hōʻike no ka mea ʻaʻole ʻoe i hana a i ʻole ʻoe i hana iā ʻoe iho, ua palena iki kāu mau koho. Eia nō naʻe, hiki nō…
Ke noi nei ʻoe i kahi hōʻaiʻē kaʻa, makemake ka hapa nui o nā mea hāʻawi i ka hōʻoia o ka loaʻa kālā. Inā ʻaʻole hiki iā ʻoe ke hāʻawi i kēia hōʻike no ka mea ʻaʻole ʻoe i hana a i ʻole ʻoe i hana iā ʻoe iho, ua palena iki kāu mau koho. Eia nō naʻe, hiki iā ʻoe ke kūʻai i kaʻa inā ʻaʻole ʻoe e hōʻoia i ka loaʻa kālā inā ʻoe e hahai i kekahi mau ʻanuʻu kikoʻī.
Hana 1 o 5: Uku kālā
ʻO nā koho i loaʻa no ke kūʻai ʻana i kahi kaʻa me ka ʻole o ka hōʻoia o ka loaʻa kālā, ʻo ka uku kālā ka mea maʻalahi. Ma kahi o ka ʻimi ʻana i kahi mea hāʻawi kālā e makemake e uku a laila hāʻawi i kahi waihona a i ʻole kekahi ala e hōʻoiaʻiʻo ai i ka mea hāʻawi iā ʻoe e hiki ke uku, kūʻai koke ʻoe i ke kaʻa. ʻOiaʻiʻo, pono ʻoe e kau inoa i nā pepa a pau e pono ai a uku i nā ʻauhau ma ke kaʻa, akā no ka hapa nui, ke uku ʻoe i ke kaʻa, iā ʻoe.
KaʻAnuʻu 1: E mālama i ke kālā. ʻO ka hapa nui o ka uku ʻana me ke kālā ke mālama kālā no ia. ʻO ke ala maʻalahi loa e mālama i ke kālā, ʻo ia ke kau ʻana i ke kālā i hoʻopaʻa ʻia no ke kūʻai ʻana i kaʻa i loko o kahi waihona mālama kālā.
KaʻAnuʻu 2: E hele i ka mea kūʻai aku. Ke lawa kāu kālā, e hele i kahi kūʻai kaʻa a i ʻole kanaka pilikino a hāʻawi aku e kūʻai i kaʻa.
E hoʻokō pono i nā hana ʻē aʻe a pau i ke kūʻai ʻana i kaʻa, e like me ka nānā ʻana i ka mōʻaukala o ke kaʻa, lawe i ke kaʻa no ka hoʻāʻo ʻana, a nānā ʻia e ka mechanic.
KaʻAnuʻu 3: Kākau i kahi leka. Ke māʻona nā mea a pau, e kākau i kahi leka i ka mea kūʻai aku a i ʻole kekahi kanaka e uhi i ke kumukūʻai piha o ke kaʻa.
A laila pono ʻoe e kau inoa i nā palapala pono āpau a hoʻoili i ka kuleana o ke kaʻa i kou inoa.
Hana 2 o 5: E ʻimi i kahi hōʻaiʻē me ka ʻole o ka hōʻoia o ka loaʻa kālā
Nui nā mea hāʻawi kālā e loaʻa kālā i kāu kūʻai kaʻa, me nā mea ma waho o kou kūlanakauhale a i ʻole ka ʻāina. Hiki iā ʻoe ke loaʻa nā mea hāʻawi kālā he nui ma ka pūnaewele, hāʻawi iā ʻoe i nā koho kālā hou aʻe.
KaʻAnuʻu Hana 1: E ʻimi i nā hōʻaiʻē kaʻa ma ka pūnaewele. E ʻimi i nā mea hōʻaiʻē kaulana me ka helu maikaʻi ʻo Better Business Bureau.
KaʻAnuʻu Hana 2: E ʻimi i nā ʻano hōʻaiʻē like ʻole. E nānā i nā huahana hōʻaiʻē like ʻole ma nā pūnaewele e like me AutoLoans e ʻike i nā mea i ʻoi aku ka maʻalahi a ʻaʻole koi i ka hōʻoia o ka loaʻa kālā. Ua kapa pinepine ʻia lākou he "hōʻaiʻē me ka ʻole o ka loaʻa kālā."
KaʻAnuʻu Hana 3: E noi ma ka pūnaewele. E noi me ka hoʻohana ʻana i kekahi o nā mea hana pūnaewele i hāʻawi ʻia e ka mea hāʻawi. ʻO kekahi o nā palapala i koi ʻia e nā mea hāʻawi kālā ma kahi o ka hōʻoia o ka loaʻa kālā:
- Nā kope o ka ʻauhau no nā makahiki ʻelua i hala
- Ka laikini kaʻa kūpono
- ʻO kāu helu mālama ola
- hōʻoia o ka ʻinikua
- He kope o ka hōʻike panakō hou loa mai ka moʻokāki o kēia manawa.
Ke Kaʻina 3 o 5: E hoʻopaʻa no ka uku mua
ʻO nā mea hōʻaiʻē me nā huaʻōlelo maʻalahi e koi pinepine iā ʻoe e loaʻa i kahi uku hoʻohaʻahaʻa nui aʻe. Hoʻemi kēia i ko lākou pilikia ʻaʻole hiki iā ʻoe ke uku i ka hōʻaiʻē. Ma waho aʻe o ka hoʻohana ʻana i ke kālepa, hiki iā ʻoe ke hāʻawi i ke kālā ma ke ʻano he uku.
KaʻAnuʻu 1: E uku hou aku me ke kālā. E hāʻawi i kahi pākēneka uku kiʻekiʻe ma ke kālā, e like me 10% a i ʻole 20%. Hāʻawi kēia i ka mea hōʻaiʻē i ke kālā a lākou i kau ai i mua o ka hōʻaiʻē, a ʻo ia hoʻi, pono ʻoe e uku liʻiliʻi, e ʻoi aku ka maikaʻi.
KaʻAnuʻu Hana 2: E ʻimi i ke kumu kūʻai ma lalo o $10,000.. E ʻimi i kaʻa ʻoi aku ka liʻiliʻi a i ʻole ke kaʻa i hoʻohana ʻia ma lalo o $10,000.
No ka hana ʻana i kēia, hiki iā ʻoe ke kipa i ka hapa nui o nā pūnaewele kūʻai kaʻa ma ka Pūnaewele, a i ʻole nā pūnaewele e like me cars.com a i ʻole auto.com.
Ke koho ʻana i ke ʻano kaʻa āu e ʻimi nei, e koho i ke kumu kūʻai kiʻekiʻe o $10,000. Hiki ke hana maikaʻi kēia hoʻonohonoho no ka mea pono ʻoe e uku liʻiliʻi, me ka liʻiliʻi o ka hoʻopaʻa ʻana i kāu hōʻaiʻē.
KaʻAnuʻu Hana 3: E ʻae i ka uku pānaʻi kiʻekiʻe. E mākaukau e ʻae i ka uku pānaʻi kiʻekiʻe a i ʻole kahi manawa hōʻaiʻē pōkole.
- E nānāA: ʻO kahi hōʻaiʻē me ka uku pānaʻi ʻoi aku ka nui o ka hoʻihoʻi ʻana i ka hoʻopukapuka kālā no ka mea hāʻawi i ka hōʻaiʻē.
ʻO ka hōʻaiʻē wā pōkole, pono ʻoe e uku koke.
Hana 4 o 5: me ka hoʻohana ʻana i ke koʻikoʻi
Nui ka poʻe hāʻawi kālā e noi i nā stubs uku e hōʻoia i kāu loaʻa kālā. Ma ia mau hihia, hiki iā ʻoe ke hāʻawi i kahi waihona ma ke ʻano o nā mea kūpono kokoke a ʻoi aku paha ma mua o ka waiwai o ke kaʻa āu e makemake ai e kūʻai.
KaʻAnuʻu 1: E hoʻomākaukau i kāu waihona. No ka hoʻohana ʻana i ke koʻikoʻi, pono ʻoe e hōʻike mua i ke kuleana o nā waiwai ʻē aʻe āu e hoʻohana ai i koʻa. ʻO nā mea hiki iā ʻoe ke hoʻohana ma ke ʻano he mea hōʻoia e komo pū me:
- Nā inoa kaʻa
- Nā kālepa waiwai
- Hōʻike kālā kālā
- Loaʻa nā mīkini a me nā mea hana
- Nā hōʻike kālā
- Nā kulekele inikua
- Nā mea waiwai a me nā mea hōʻiliʻili
ʻO nā uku e hiki mai ana mai kāu mau mea kūʻai aku inā he ʻoihana kāu
Nā hanaA: Inā ʻaʻohe āu hana akā hiki iā ʻoe ke uku i ka hōʻaiʻē ma nā ʻano ʻē aʻe, e like me ke kālā alimony a i ʻole ka uku kīnā, pono ʻoe e hōʻoia i kēia mau palapala. He mea kōkua pinepine ka loaʻa ʻana o nā mahina o ka uku kaʻa ma ka panakō a i ʻole kahi waihona mālama kālā me kahi koena nui.
Inā hoʻolālā ʻoe e hoʻohana i kahi ʻāpana waiwai a i ʻole kaʻa ʻē aʻe i mea hoʻopaʻa, e lawe ka mea hāʻawi i ka lien. Hāʻawi kēia i ka mea hāʻawi i ke kuleana e mālama i kāu waiwai inā ʻaʻole ʻoe i ka hōʻaiʻē.
- ʻO ke kāohiA: E hoʻomanaʻo, ma lalo o ke kānāwai federal, hiki iā ʻoe ke hoʻopau i kahi hōʻaiʻē me ka uku ʻole. Ke hoʻopau ʻana i kahi hōʻaiʻē, e hoʻomanaʻo ʻo nā lā ʻoihana e pili ana i nā Pōʻaono, ʻaʻole nā lā Sābati a i ʻole nā lā hoʻomaha lehulehu.
Hana 5 o 5: E ʻimi i kahi mea hōʻoia
ʻO kahi hōʻoiaʻiʻo kahi ala ʻē aʻe e loaʻa ai kahi hōʻaiʻē me ka ʻole o ka loaʻa kālā. Akā e hōʻoia ʻoe e uku i kāu hōʻaiʻē i loaʻa iā ʻoe kahi mea hōʻoiaʻiʻo, a i ʻole e hoʻopiʻi ʻia lākou no kāu ʻaiʻē ma ka hōʻaiʻē.
KaʻAnuʻu 1: E ʻimi i kahi mea hōʻoia kuleana. E noi i kekahi lālā o ka ʻohana e pūlima me ʻoe i kahi hōʻaiʻē kaʻa. E hōʻoia iā lākou he hōʻoia o ka loaʻa kālā a makemake lākou e lilo i mea hōʻoia. ʻO ka mea hōʻoiaʻiʻo ʻo ia ke kuleana no kāu hōʻaiʻē inā no kekahi kumu ʻaʻole ʻoe e uku.
E hōʻoia i ka ʻike o kāu mea kākoʻo i kā lākou kuleana. ʻAʻole ʻike paha kekahi mau mea hōʻoia e pili ana lākou i ka nui āu i ʻaiʻē ai inā ʻaʻole ʻoe e uku i ka manawa.
KaʻAnuʻu 2: E ʻimi i kahi mea hāʻawi. E ʻimi i kahi mea hāʻawi kālā i makemake e ʻae i kahi mea hōʻoia ma ke ʻano he kumu kālā no kāu hōʻaiʻē. E hoʻomanaʻo e nānā ka mea hāʻawi i ka pono o ka mea hoʻohiki, no laila e ʻimi i kahi mea hōʻaiʻē maikaʻi e hōʻailona iā ʻoe.
ʻO ka loaʻa ʻana o kahi mea hāʻawi kālā e hāʻawi iā ʻoe i kahi hōʻaiʻē kaʻa inā ʻaʻohe āu hōʻoia o ka loaʻa kālā hiki ʻole ke ʻike ʻia he mea hiki ʻole, akā ʻoi aku ka maikaʻi o kāu mau koho e hiki ai ke hāʻule i hope. ʻO kēia mau ʻano hāʻule hope ʻo ia ka loaʻa ʻana o kahi mea hōʻoia, me ka hoʻohana ʻana i ke koʻikoʻi, ka uku ʻana i ka uku haʻahaʻa kiʻekiʻe, a i ʻole ka uku ʻana i ke kaʻa i mua. E hoʻomanaʻo wale e nānā i ke kaʻa ma mua o ke kūʻai ʻana.
