Pehea e ʻike ai i ka uku hōʻaiʻē kaʻa maikaʻi loa
Nā mea
ʻAʻole loaʻa iā ʻoe ka uku piha i ka wā e kūʻai ai i kaʻa. Loaʻa nā hōʻaiʻē kaʻa e kōkua iā ʻoe e kūʻai i kaʻa me nā kālā i hōʻaiʻē ʻia ma o kahi laina hōʻaiʻē a i ʻole kahi panakō. Hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē kaʻa inā kūʻai ʻoe i kaʻa hou mai kahi mea kūʻai aku, kahi kaʻa mai kahi kaʻa kaʻa i hoʻohana ʻia, a i ʻole kahi kaʻa i hoʻohana ʻia ma ke kūʻai pilikino.
ʻOiai he mea maʻalahi paha ka ʻae ʻana i nā huaʻōlelo kālā i hāʻawi ʻia iā ʻoe no ka manawa mua no kou hauʻoli i kāu kaʻa hou, hiki iā ʻoe ke mālama i kahi kālā liʻiliʻi inā hoʻohālikelike ʻoe i nā kumukūʻai hōʻaiʻē kaʻa a me nā ʻōlelo uku. A no ka poʻe i loaʻa ka mōʻaukala hōʻaiʻē maikaʻi ʻole a i ʻole, he mea pono ke ʻike i nā koho hōʻaiʻē.
Mahele 1 o 4: E hoʻonohonoho i kahi kālā no nā uku hōʻaiʻē kaʻa
Ke kūʻai ʻoe i kaʻa, pono ʻoe e ʻike mai ka hoʻomaka ʻana i ka nui o kāu hiki ke hoʻolilo ma ke kaʻa.
KaʻAnuʻu 1. E hoʻoholo i ka nui o kāu kālā e uku ai no ke kaʻa.. E noʻonoʻo i kāu mau kuleana kālā ʻē aʻe, me ka uku hoʻolimalima a i ʻole ka uku moraki, ka aie kāleka hōʻaiʻē, nā bila kelepona, a me nā bila pono.
Hiki i kāu mea hāʻawi kālā ke helu i ka huina o ka lawelawe ʻaiʻē e hoʻoholo ai i ka nui o kāu loaʻa kālā āu e hoʻolilo ai i ka uku kaʻa.
KaʻAnuʻu Hana 2: E koho i ka uku papa manawa. E hoʻoholo inā makemake ʻoe e uku i kāu hōʻaiʻē kaʻa i kēlā me kēia pule, ʻelua pule, ʻelua makahiki, a i kēlā me kēia mahina.
ʻAʻole hiki i kekahi mau mea hāʻawi kālā ke hāʻawi i nā koho āpau.
- Nā hanaA: Inā loaʻa iā ʻoe nā uku pila ʻē aʻe i hoʻonohonoho ʻia ma ka lā mua o kēlā me kēia mahina, makemake paha ʻoe e uku i kāu kaʻa ma ka lā 15 o kēlā me kēia mahina no ka maʻalahi kālā.
'anuʻu 3. E hoʻoholo i ka nui o ka manawa āu e makemake ai e uku no kahi kaʻa hou.. Hāʻawi kekahi mau mea hāʻawi kālā i nā koho e kūʻai i kahi kaʻa hou a i hoʻohana ʻia a hiki i ʻehiku a ʻewalu paha makahiki.
ʻO ka lōʻihi o ka manawa āu e koho ai, ʻoi aku ka nui o ka ukupanee āu e uku ai i ka manawa - no ka laʻana, hiki iā ʻoe ke ʻae i kahi hōʻaiʻē ukupanee no kahi manawa ʻekolu makahiki, akā ʻo ka manawa ʻeono a ʻehiku paha makahiki he 4% .
Mahele 2 o 4: E hoʻoholo i ka koho kālā maikaʻi loa no ke kūʻai kaʻa hou
Ke kūʻai ʻoe i kaʻa hou mai kahi mea kūʻai aku, loaʻa iā ʻoe kahi honua o nā mea hiki ke loaʻa i nā koho kālā. ʻAʻole pono e huikau ka ʻimi ʻana i kou ala ma ka hui ʻana.
KaʻAnuʻu 1. E ʻike e pili ana i nā koho uku. E noi i nā huaʻōlelo uku hou mai kāu mea kūʻai aku a i ʻole ʻelele kālā.
E hāʻawi ʻia iā ʻoe i hoʻokahi a ʻelua paha mau koho no ka hoʻihoʻi ʻana i ka hōʻaiʻē kaʻa, akā ʻaʻole paha kēia mau koho i mea maikaʻi loa no kou kūlana.
E noi i nā manawa lōʻihi a me nā papa hoʻonohonoho uku.
KaʻAnuʻu 2. E noi i nā uku a me nā uku. E noi i ka ʻike e pili ana i nā hōʻemi kālā a me nā uku hōʻaiʻē ʻole.
Loaʻa pinepine nā hōʻaiʻē kaʻa hou i ka uku paneʻe kālā, ʻo ia hoʻi, hoʻohana ka mea hana i ka mea hāʻawi kālā e hāʻawi i nā kumukūʻai haʻahaʻa haʻahaʻa ma mua o ka hapa nui o nā panakō hiki ke hāʻawi, ʻoiai ʻo 0%.
ʻO ka hapa nui o nā mea hana - ʻoi aku ka nui o ka hopena o ka makahiki hoʻohālike - hāʻawi i nā mea kūʻai aku i nā kumu kālā nui e paipai iā lākou e kūʻai i kā lākou huahana.
ʻO ka hoʻohui ʻana i kahi hōʻemi kālā me ka uku uku uku ʻole hiki ke hāʻawi iā ʻoe i ke koho uku maikaʻi loa me ka uku haʻahaʻa haʻahaʻa i uku ʻia.
KaʻAnuʻu Hana 3: E ʻike i ka huina kālā o kāu kaʻa hou. E nīnau e pili ana i ka huina kālā i uku ʻia no ka lōʻihi o kēlā me kēia kau āu e noʻonoʻo nei.
Nui nā mea kūʻai aku e kānalua e hōʻike iā ʻoe i kēia ʻike no ka mea ʻoi aku ka kiʻekiʻe o ke kumukūʻai kūʻai me ka uku ma mua o ke kumukūʻai sticker.
E hoʻohālikelike i ka huina kālā i uku ʻia no kēlā me kēia kau. Inā hiki iā ʻoe ke uku, koho i ka huaʻōlelo e hāʻawi i ka uku haʻahaʻa haʻahaʻa.
KaʻAnuʻu Hana 4: E noʻonoʻo e hoʻohana i kahi mea hāʻawi kālā ʻē aʻe ma mua o kahi mea kūʻai kaʻa. Hoʻohana nā mea kūʻai kaʻa i nā mea hōʻaiʻē me nā uku maikaʻi i ka nui o nā hihia, akā hiki iā ʻoe ke loaʻa i nā kumukūʻai kiʻekiʻe ma waho o ka mea kūʻai aku, ʻoi aku hoʻi me kahi laina hōʻaiʻē.
E hoʻohana i ka uku haʻahaʻa i loaʻa iā ʻoe mai kāu keʻena hāʻawi kālā i hui pū ʻia me kahi hoʻemi kālā mai ka mea kūʻai aku ma ke ʻano he koho e loaʻa ai nā huaʻōlelo uku maikaʻi loa.
Mahele 3 o 4: E hoʻoholo i ka uku ukupanee maikaʻi loa e kūʻai i kahi kaʻa hoʻohana
ʻAʻole pili nā kūʻai kaʻa i hoʻohana ʻia i ka uku hōʻaiʻē makemake o ka mea hana. ʻO ka manawa pinepine, hiki ke ʻoi aku ke kiʻekiʻe o nā kumukūʻai kālā kaʻa i hoʻohana ʻia ma mua o nā kumukūʻai kaʻa hou, a me nā manawa hoʻihoʻi pōkole, no ka mea, ʻoi aku ka maikaʻi o ka hoʻopukapuka kālā no kāu mea hāʻawi. Hiki iā ʻoe ke loaʻa ka uku ukupanee maikaʻi loa no ke kūʻai ʻana i kaʻa i hoʻohana ʻia, inā ʻoe e kūʻai mai ana mai kahi mea kūʻai kaʻa a i ʻole he kūʻai kūʻokoʻa.
KaʻAnuʻu Hana 1: E ʻae mua ʻia e kāu hui kālā no kahi hōʻaiʻē kaʻa. E ʻae ʻia ma mua o ke komo ʻana i kahi ʻaelike kūʻai kaʻa i hoʻohana ʻia.
Inā ua'āpono muaʻiaʻoe, hiki iāʻoe ke kūkākūkā me ka hilinaʻi no ka uku maikaʻi ma kahi'ē aʻe, me kaʻike e hiki iāʻoe ke hoʻi mau i ka nui o ka hōʻai'ē i'āponoʻia.
KaʻAnuʻu Hana 2: Kūʻai ma ka uku panee maikaʻi loa. E nānā i nā mea hāʻawi kālā a me nā panakō kūloko e hoʻolaha ana i nā hōʻaiʻē me nā uku uku haʻahaʻa.
Mai noi i kahi hōʻaiʻē inā ʻaʻole ʻae ʻia nā ʻōlelo hōʻaiʻē a ʻoi aku ka maikaʻi ma mua o kāu ʻae mua ʻana i ka hōʻaiʻē mua.
- Nā hanaA: E kūʻai i nā hōʻaiʻē haʻahaʻa haʻahaʻa mai nā mea hāʻawi kālā kaulana a kaulana. ʻO Wells Fargo a me CarMax Auto Finance nā koho maikaʻi no nā hōʻaiʻē kaʻa pono.
KaʻAnuʻu 3: Hoʻopau i kahi ʻaelike kūʻai. Inā kūʻai ʻoe i kaʻa ma o kahi kūʻai pilikino, e loaʻa i kahi hōʻaiʻē kālā ma o ke keʻena me ka uku panee maikaʻi loa.
Inā kūʻai ʻoe ma o ka mea kūʻai kaʻa, e hoʻohālikelike i nā kumukūʻai hiki iā lākou ke hāʻawi iā ʻoe me ka uku paneʻe āu i loaʻa ai ma kahi ʻē aʻe.
E koho i ke koho me nā uku haʻahaʻa a me ka uku hōʻaiʻē haʻahaʻa haʻahaʻa.
Mahele 4 o 4: E ʻimi i nā koho hōʻaiʻē kaʻa maʻamau
Inā ʻaʻole i loaʻa iā ʻoe kahi kāleka hōʻaiʻē a hōʻaiʻē paha ma mua, pono ʻoe e hoʻomaka i ke kūkulu ʻana i kāu hōʻaiʻē ma mua o ka loaʻa ʻana o ka uku ukupanee kumu i hāʻawi ʻia. Inā loaʻa iā ʻoe kahi helu ʻaiʻē maikaʻi ʻole ma muli o ka banekorupa, ka uku hope, a i ʻole ka haʻalele ʻana o ka waiwai, ua manaʻo ʻia ʻoe he mea kūʻai pilikia nui a ʻaʻole e loaʻa ka uku uku.
No ka hiki ʻole iā ʻoe ke loaʻa ka uku paneʻe nui, ʻaʻole ia he manaʻo ʻaʻole hiki iā ʻoe ke loaʻa i ka uku ukupanee kaʻa hoʻokūkū. Hiki iā ʻoe ke hoʻokaʻaʻike i kekahi mau mea hāʻawi kālā e kiʻi i nā huaʻōlelo maikaʻi loa no kou kūlana.
KaʻAnuʻu Hana 1: E noi i kahi hui kālā nui no kahi hōʻaiʻē kaʻa.. ʻOi aku ka maikaʻi e hoʻomaka me kahi mea hāʻawi kālā i ʻike i kāu moʻolelo, ʻoiai inā he palena a alakaʻi hewa paha.
E ʻae ʻia ma mua o ka ʻike ʻana e ʻoi aku ka kiʻekiʻe o kāu uku panee ma mua o kā lākou uku hoʻolaha.
KaʻAnuʻu Hana 2. E ʻike e pili ana i nā ʻoihana hoʻolimalima maʻamau ʻole..
- E nānā: ʻO ka Non-Prime e pili ana i ka mea kūʻai aku ʻoi aʻe ka pilikia a i ʻole ka mea kūʻai inoa ʻole i ʻoi aku ka nui o ka pilikia o ka hōʻaiʻē. Loaʻa nā uku hōʻaiʻē mua i ka poʻe i loaʻa ka moʻolelo i hōʻoia ʻia o nā uku paʻa a me ka manawa kūpono ʻole i manaʻo ʻia ʻaʻole hiki ke hoʻopaʻa ʻia i kā lākou uku.
E ʻimi ma ka pūnaewele no "loan kaʻa kaʻa like ʻole" a i ʻole "loan kaʻa ʻaiʻē maikaʻi ʻole" ma kou wahi a ʻike i nā hopena kiʻekiʻe.
E ʻimi a hoʻokaʻaʻike i nā mea hāʻawi kālā me nā uku maikaʻi loa a i ʻole e hoʻopiha i kahi palapala noi mua apono pūnaewele.
Inā ʻoi aku ka maikaʻi o ka helu i ʻōlelo ʻia ma mua o kāu ʻae ʻia a hiki iā ʻoe ke hōʻaiʻē, e noi.
- Nā hana: Hōʻalo i nā noi he nui no ka hōʻaiʻē kaʻa. Ke nānā nei kēlā me kēia noi i kāu helu ʻaiʻē me kahi ʻoihana ʻaiʻē e like me Experian, a hiki i nā noi he nui i loko o kahi manawa pōkole ke hoʻāla i nā hae ʻulaʻula i hopena i ka hōʻole ʻia ʻana o kāu noi.
E noi wale i nā mea hāʻawi maikaʻi loa āu i noi ai.
KaʻAnuʻu Hana 3: E nānā me kāu mea kūʻai kaʻa no ke kālā kūloko.. Inā kūʻai ʻoe i kaʻa mai kahi mea kūʻai aku, hiki paha ke uku i ka hōʻaiʻē kaʻa iā ʻoe iho ma mua o ka mea hāʻawi.
Ma kēia ʻano o ka uku hōʻaiʻē, ke hana maikaʻi nei ka mea kūʻai aku e like me kā lākou waihona ponoʻī. ʻO kēia wale nō kāu koho inā ua hōʻole ʻia ʻoe i kahi hōʻaiʻē kaʻa ma nā wahi āpau.
ʻAʻole ʻo ke kūʻai ʻana i kahi hōʻaiʻē kaʻa ka mea leʻaleʻa loa o ke kūʻai ʻana i kaʻa, akā he mea nui ia e hōʻoia ʻaʻole ʻoe e uku hou aku no kāu kaʻa ma mua o kou pono. ʻO ka hana ʻana i kahi noiʻi a me ka hoʻomākaukau ʻana hiki ke kōkua iā ʻoe e loaʻa i ka koho uku maikaʻi loa, a hiki ke kōkua iā ʻoe e hoʻolilo i kahi uku hoʻohaʻahaʻa nui ma kāu kūʻai kaʻa, e hoʻoikaika i ka mea hāʻawi e hana ʻoi aku ka ikaika me ʻoe.
