Pehea e loaʻa ai kahi hōʻaiʻē kaʻa i ka lā hoʻokahi

ʻAʻole kēia kahi kūlana kūpono, akā pono ʻoe i ke kālā kaʻa koke. Ma muli paha kēia:

• Ua loaʻa iā ʻoe kāu kaʻa moeʻuhane
• Ua haki kou kaʻa a pono e hoʻololi koke
• Pono ʻoe e kūʻai aku i kāu kaʻa e uku i kāu aie
• Ua hoʻomaka ʻoe i kahi hana ʻaʻole hiki ke loaʻa i nā kaʻa lehulehu.

ʻO ke kūʻai ʻana i kahi kaʻa he mea koʻikoʻi ia iā ia iho, akā ke paʻi ʻia ʻoe no ka manawa ʻoi aku ka paʻakikī. ʻO ka loaʻa ʻana o ka hōʻaiʻē kaʻa a i ʻole ka hōʻaiʻē kaʻa hiki ke lawe i nā lā a i ʻole ka lōʻihi o ka ʻae ʻia no ke ʻano o ke kaʻa āu e makemake ai, a i kekahi manawa ʻaʻole hiki iā ʻoe ke kali i kēlā lōʻihi.

Nui nā mea hāʻawi hōʻaiʻē, nā mea kūʻai kaʻa i hoʻohana ʻia, a me kekahi mau mea kūʻai kaʻa franchised e hāʻawi i nā hōʻaiʻē kaʻa i ka lā hoʻokahi i nā mea kūʻai. Inā maikaʻi kāu hōʻaiʻē, ʻoi aku ka maikaʻi o kāu mau koho. Inā ʻaʻole maikaʻi kāu hōʻaiʻē e like me ka hiki, hiki ke kaupalena ʻia, akā hiki ke loaʻa i kahi hōʻaiʻē kaʻa ma ka lā hoʻokahi.

Hana 1 o 2: E kiʻi i kahi hōʻaiʻē kaʻa ma ka lā hoʻokahi inā he mōʻaukala hōʻaiʻē maikaʻi kāu.

Kiʻi: Credit Karma

Ma mua o ka hoʻoholo ʻana i ke ala kūpono iā ʻoe, pono ʻoe e ʻike i kāu helu ʻaiʻē. ʻOiai inā e wikiwiki ana ʻoe i ka hale kūʻai, pono e lawe i kekahi mau minuke e nānā i kāu helu ʻaiʻē ma mua o ka haʻalele ʻana i ka home. Hiki iā ʻoe ke kiʻi koke iā ia ma ka pūnaewele mai nā pūnaewele e like me Credit Karma.

Inā loaʻa iā ʻoe kahi hōʻaiʻē maikaʻi, he mea hoʻokipa maikaʻi ʻoe no nā mea hāʻawi kālā, inā ma ka panakō, ka mea kūʻai kaʻa a i ʻole ka hōʻaiʻē kaʻa ʻē aʻe. Hiki iā ʻoe ke loaʻa kālā kaʻa i ka lā hoʻokahi me ka pilikia ʻole inā loaʻa iā ʻoe ke kālā e kākoʻo ai i ka hōʻaiʻē.

Nā Pono Pono

• ʻIke pilikino (maʻamau he ID kiʻi a me kahi ʻano ʻike ʻē aʻe)
• Hōʻoia kālā

KaʻAnuʻu 1: E ʻimi i nā makana hoʻokūkū mai nā mea hāʻawi. Aia ʻoe i ka mana no ka mea he manaʻo nui ʻoe. Mai makaʻu e hōʻike i nā mea hāʻawi kālā e ʻimi nei ʻoe i ka hāʻawi kālā maikaʻi loa.

E hōʻiliʻili i nā hoʻolaha maikaʻi 5-7 a i ʻole nā ​​​​hāʻawi mai nā mea hāʻawi kālā, me ka ʻike ʻana i nā mea i loaʻa ka uku uku maikaʻi loa a he aha nā pōmaikaʻi o ka hoʻohana ʻana i kā lākou lawelawe. E ho'ēmi i kāu papa inoa i nā luna ʻekolu a kau iā lākou.

E hoʻokaʻaʻike i ʻekolu mau mea hōʻaiʻē koʻikoʻi a hoʻohālikelike i kā lākou hāʻawi ʻana i kekahi i kekahi no ka loaʻa ʻana o nā ʻōlelo hōʻaiʻē maikaʻi loa.

KaʻAnuʻu Hana 2: E hoʻopiha i ka palapala noi hōʻaiʻē. Hāʻawi i ka ʻike e like me ka hiki ke kākoʻo i kāu noi.

E pololei a me ka ʻoiaʻiʻo, no ka mea, hiki i ka ʻike wahaheʻe ke hōʻole ʻia kāu noi a hōʻailona ʻia e kāu ʻoihana hōʻaiʻē.

KaʻAnuʻu 3: Hāʻawi i ka ʻike. E hāʻawi i kope o kāu ID, maʻamau ka laikini kaʻa, a me nā hōʻike ʻike ʻē aʻe e like me ke kāleka hōʻaiʻē, palapala hānau, a i ʻole passport.

ʻAʻole pono ʻoe e hāʻawi i kāu helu Social Security, ʻoiai ʻo ka hoʻokomo ʻana iā ia ma kāu palapala noi e hiki ke wikiwiki i ka hana ʻana o kāu noi.

Hōʻalo i ka hoʻopiha ʻana i nā noi hōʻaiʻē he nui ke hiki. Hiki i nā kipa he nui i kāu ʻoihana hōʻaiʻē ke hāpai i nā hae e like me ka ʻaihue ʻike pono, ka palena ʻana i kāu hōʻaiʻē a i ʻole ka hoʻohaʻahaʻa ʻana i kāu helu ʻaiʻē.

Kiʻi: Bankrate

Ke hoʻopau ʻoe i kāu noi hōʻaiʻē, e loaʻa koke iā ʻoe ka ʻae ʻia inā maikaʻi kāu mōʻaukala aie a hiki iā ʻoe ke hana i nā uku e like me ka Debt to Service Ratio (DSCR), i kapa ʻia ʻo "Debt-Coverage Ratio", ʻo ia hoʻi. ka ratio o ke kālā e uku ai i kāu mau aie.

No ka laʻana, inā e uku ʻoe i $1500 o ka mahina no ka moraki, $100 o ka mahina no ka hōʻaiʻē kaʻa, a me $400 o ka mahina no nā aie ʻē aʻe, ʻo kāu uku ʻaiʻē i kēlā me kēia mahina he $2000. Inā he $6000 kāu loaʻa kālā o kēlā me kēia mahina, a laila ʻo 33% kāu hōʻaiʻē.

KaʻAnuʻu Hana 4: E noi no ka aie kaʻa. E heluhelu pono i nā ʻōlelo o kāu ʻaelike hōʻaiʻē. Inā ʻaʻole like lākou me kāu i hoʻohiki ai, mai kau inoa i ka ʻaelike.

Inā ʻaʻole hoʻokō ka mea hāʻawi i ka uku a i ʻole nā ​​ʻōlelo i ʻōlelo ʻia, e hele i kahi ʻē aʻe a hoʻopiha i kahi noi hou.

Ka Papa Hana 2 o 2: E kiʻi i kahi hōʻaiʻē kaʻa i ka lā hoʻokahi inā he moʻolelo hōʻaiʻē maikaʻi ʻole kāu.

Nā Pono Pono

• ʻIke panakō
• ʻO kahi uku uku
• ʻIke (kiʻi kiʻi a me kekahi ʻano ʻike ʻē aʻe)
• Hōʻoia kālā

Inā ʻoi aku ka liʻiliʻi o kāu hōʻaiʻē ma mua o ka mea āu e makemake ai, e like paha me ka maʻalahi o ka loaʻa ʻana o kahi hōʻaiʻē kaʻa i ka lā hoʻokahi, akā ʻokoʻa kāu ʻōlelo hoʻolimalima. Inā he ʻaiʻē maikaʻi ʻole ʻoe a ʻaʻohe hōʻaiʻē, ʻike nā mea hāʻawi iā ʻoe he ʻoi aku ka nui o ka pilikia o ka hōʻole ʻana i kāu uku kaʻa. ʻO ka mea maʻamau, ʻaʻole ʻoe i hōʻoia iā ʻoe iho he kūpono no nā uku uku haʻahaʻa a me nā koho uku hoʻokūkū.

Hiki i nā hōʻaiʻē kaʻa i ka lā hoʻokahi ke hana mua i ke kūkulu ʻana a i ʻole ka hoʻoponopono ʻana i kāu helu ʻaiʻē inā hōʻike ka mea hāʻawi i kāu hōʻaiʻē i nā bureaus. ʻO ka maʻamau, ʻaʻole koi nā mea hāʻawi kālā kaʻa i ka lā hoʻokahi i kahi hōʻaiʻē hōʻaiʻē, akā e koi mau i ka hōʻoia o kou ʻike.

Hāʻawi pinepine ʻia nā hōʻaiʻē kaʻa e ka mea kūʻai aku a i ʻole ka mea hāʻawi kālā mai loko mai o ka ʻeke, e hana ana ma ke ʻano he panakō ponoʻī. Hiki iā ʻoe ke manaʻo e kiʻekiʻe kāu uku paneʻe a ʻoi aku ka pōkole o kāu manawa hoʻihoʻi ma mua o ka mea me ka hōʻaiʻē maikaʻi. He ala kēia no ka mea hāʻawi kālā e hoʻihoʻi koke i kahi ʻāpana o kā lākou hōʻaiʻē kiʻekiʻe i ka wā o kahi paʻa.

KaʻAnuʻu Hana 1: kūʻai aku iā ʻoe iho i nā mea ʻaiʻē. E ʻimi i nā mea kūʻai aku a i ʻole nā ​​​​mea hāʻawi kālā i loaʻa kahi ʻoihana ʻike a paʻa. E ʻimi i nā kumukūʻai maikaʻi loa no nā kūlana maikaʻi ʻole a i ʻole aie.

E kamaʻilio me nā mea ʻaiʻē e hoʻāʻo i ka wai. Manaʻo inā manaʻo lākou e loaʻa iā ʻoe ke kālā.

KaʻAnuʻu Hana 2: E ʻike i nā huaʻōlelo āu e loaʻa ai. E ʻoi aku ka nui o kāu uku panee ma mua o ka uku haʻahaʻa i hoʻolaha ʻia iā lākou.

E hoʻonui paha kāu uku i ka mea āu e ʻoluʻolu e uku i kēlā me kēia mahina.

KaʻAnuʻu Hana 3: E hoʻopiha i ka palapala noi. E ʻoluʻolu e hoʻopiha piha i ka palapala me ka ʻoiaʻiʻo. E hōʻoia ʻia kāu ʻike pilikino a me kāu loaʻa kālā ma mua o ka hāʻawi ʻia ʻana i kahi hōʻaiʻē.

E hōʻike i ka mea hāʻawi kālā inā makemake ʻoe e hoʻokaʻawale ʻia kāu mau uku mai kāu waihona panakō a hāʻawi iā lākou i kāu ʻike panakō e hōʻike i kou koʻikoʻi.

Inā makemake ʻoe e hoʻihoʻi ʻia ke kālā, kōkua ia i ka hōʻemi ʻana i ka pilikia o ka hōʻole ʻana i nā uku hōʻaiʻē kaʻa. Hiki paha iā ʻoe ke loaʻa ka uku pānaʻi ʻoi aku ka maikaʻi no ka mea kōkua ʻoe e hōʻemi i kou pilikia.

E hōʻike i ka mea hāʻawi kālā inā loaʻa kāu uku. E kōkua kēia iā ʻoe e loaʻa i kahi hōʻaiʻē inā loaʻa iā ʻoe kahi uku mua ma kāu kaʻa.

Hāʻawi i ka hōʻoia o ka ʻike a me ka hōʻoia o ka loaʻa kālā.

KaʻAnuʻu 4: E kiʻi i kahi hōʻaiʻē kaʻa. Inā kūpono nā kūlana iā ʻoe a hiki iā ʻoe ke uku i ka nui i koi ʻia, e kākau inoa no kahi hōʻaiʻē. Ma mua o kou kau inoa ʻana i nā palapala, e heluhelu i nā ʻōlelo o ka ʻaelike.

Inā ʻokoʻa nā huaʻōlelo mai ka mea i haʻi ʻia iā ʻoe, mai kau inoa i nā palapala a maopopo.

Loaʻa iā ʻoe ke koho e huli i kahi mea hāʻawi kālā ʻē aʻe, no laila, mai hoʻoholo i kekahi mea no ka mea ua manaʻo ʻoe ʻaʻohe āu koho ʻē aʻe.

Inā makemake ʻoe i ka loaʻa kālā o ka lā hoʻokahi no kahi kaʻa āu e makemake ai e kūʻai, he manaʻo maikaʻi ia e hele mai i ka hale kūʻai me ka mākaukau e like me ka hiki. E ʻike i kāu helu ʻaiʻē ma mua o kou haʻalele ʻana i ka home i ʻike ʻoe i ke ala e lawe ai i kou hiki ʻana. Inā loaʻa iā ʻoe kahi mōʻaukala hōʻaiʻē maikaʻi, ʻoi aku ka maikaʻi ma mua o ka maikaʻi ʻole, akā mai kānalua ʻoe e hōʻole i kahi kuʻikahi i manaʻo hewa iā ʻoe.