Pehea e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e ke kaʻa, loaʻa kahi hōʻaiʻē i mālama ʻia e ke kaʻa
Inā makemake ʻoe i kālā no ka hoʻoponopono ʻana i kāu mau pilikia kālā, a laila hiki iā ʻoe ke loaʻa ka nui i koi ʻia ma ka waiho ʻana i kekahi waiwai ma ke ʻano he hōʻaiʻē i ka panakō a i ʻole ma ka lawe ʻana mai i nā mea hōʻoia. E maʻalahi loa ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e ke kaʻa, akā hoʻonohonoho nā waihona ʻokoʻa i nā kūlana like ʻole:
- ma ka hapanui o na panakō, ua ʻae ʻia nā kaʻa haole wale nō, ʻaʻole i ʻoi aku ka nui o nā makahiki ma mua o 10 mau makahiki, a ʻaʻole ʻoi aku nā kaʻa kūloko ma mua o 5 mau makahiki;
- hiki iā ʻoe ke manaʻolana e loaʻa kahi hōʻaiʻē inā maikaʻi kāu kaʻa;
- ʻo ka makahiki o ka mea hōʻaiʻē he 21-65 (70) mau makahiki, inā ʻoi aku ʻoe a ʻoi paha ma mua o kēia mau makahiki, a laila hiki ke hāʻawi ʻia ka hōʻaiʻē me nā mea hoʻohiki;
- ʻO kahi mea i koi mua ʻia ʻo ke alo o kahi kulekele CASCO, inā ʻaʻole iā ʻoe, a laila hiki iā ʻoe ke hoʻopuka pololei ma o ka panakō.
ʻO kahi moʻolelo hōʻaiʻē maikaʻi a me kou hilinaʻi e pāʻani i kahi kuleana nui, kahi palapala hōʻoia o ka loaʻa kālā he mea hou aku, ʻoiai he nui nā panakō e hāʻawi iā ʻoe i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi kaʻa me ka ʻole o kēia mau palapala hōʻoia, akā naʻe, ʻaʻole ʻoe e loaʻa ma mua o 50-60 pakeneka o ka waiwai kūʻai o kāu kaʻa. Pono ka poʻe loea panakō i ka manawa e loiloi i ke kūlana o ke kaʻa. Inā maikaʻi kāu moʻolelo hōʻaiʻē, a maikaʻi nā mea a pau me ka loaʻa kālā, a laila hiki iā ʻoe ke manaʻolana e loaʻa ka hapa nui - 70-80% o ke kumukūʻai.
Ma hope o ka loaʻa ʻana o ke kālā i loko o kou mau lima, ke waiho nei ke kaʻa i loko o kou lima, akā naʻe, waiho ʻoe i ka lua o nā kī a me ka palapala hoʻopaʻa inoa ma ka panakō. Eia kekahi, pāpā ʻia ʻoe mai ka huakaʻi ʻana i nā ʻāina ʻē a lōʻihi ka hele ʻana ma ke kūlanakauhale āu i noi ai no kahi hōʻaiʻē. ʻAʻole maikaʻi nā kūlana hōʻaiʻē - mai 17 a 25 pakeneka o ka makahiki no ka manawa o 0,5-5 mau makahiki, uku ʻia ka ukupanee ma ke koena o ka aie. Inā lohi, hāʻawi ka panakō iā ʻoe i ʻelua makahiki e uku ai i ka aie.
Ua kaulana hoʻi nā pawnshops i kēia manawa, akā i ka hoʻohālikelike ʻana me nā panakō, he nui nā hemahema a me nā "pitfalls":
- ʻaʻole ʻoi aku ma mua o hoʻokahi makahiki nā hōʻaiʻē wā pōkole;
- e loaʻa iā ʻoe ka nui o 70% o ke kumukūʻai;
- hiki ke hoʻonui i ka 100% i kēlā me kēia makahiki;
- ināʻaʻole i ukuʻia, eʻike koke kāu kaʻa i kahi mea hou aʻaʻohe mea e hana pū meʻoe no ka manawa lōʻihi e pili ana i nā kumu o ka ukuʻole.
Ma waena o nā mea ʻē aʻe, no ka hoʻohana ʻana i nā lawelawe o kahi pawnshop pono ʻoe e uku i ka uku mokuʻāina, ʻo ia ka 1-5% o ka nui o ka hōʻaiʻē. Hoʻohana ʻia nā lawelawe o nā hale pawnshop i ka wā ʻaʻole hiki ke loaʻa kahi hōʻaiʻē.
Ke hoʻouka nei…
