ʻO kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi kaʻa kaʻa, pehea e loaʻa ai a me kāu mea e pono ai no kēia
Pono nā kānaka a pau i ke kālā, a ke kū nei nā kūlana i ka wā e pono ai ke kālā i kēia manawa. Inā ʻaʻohe ala ʻē aʻe e loaʻa ai ka nui kūpono, a laila hiki iā ʻoe ke hoʻokaʻaʻike i kahi panakō a i ʻole kahi pawnshop e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e ke kaʻa kaʻa, kaʻa a i ʻole kekahi kaʻa ʻē aʻe.
Inā loaʻa iā ʻoe kāu kaʻa kaʻa ponoʻī, a hiki iā ʻoe ke palapala i ke kuleana e loaʻa iā ia, a laila maʻalahi loa ka loaʻa ʻana o kahi hōʻaiʻē.
Loaʻa i kahi hōʻaiʻē mai kahi panakō
Hāʻawi nā panakō i nā ʻano papahana hōʻaiʻē i mālama ʻia e nā kaʻa:
- waihona kaʻa - loaʻa i ka mea nona ke kālā no kāna kaʻa a hoʻohana mau ia;
- kaʻa waiho kaʻa - noho ka kaʻa kaʻa i kahi kaʻa kiaʻi.
ʻO ka pōmaikaʻi o ke ʻano mua o ka hōʻaiʻē ʻana, ʻo ʻoe ka mea nona kāu kaʻa i ka manawa holoʻokoʻa i hoʻopuka ʻia ai ka hōʻaiʻē. ʻOiaʻiʻo, ʻaʻole ʻoe e loaʻa i ka huina holoʻokoʻa i kou mau lima, akā ʻo 60-70% wale nō o ka waiwai mākeke, a ʻo ka uku hōʻaiʻē e piʻi i ka 20 pakeneka o ka makahiki.
Inā haʻalele ʻoe i ke kaʻa ma kahi kaʻa o ka panakō, hiki iā ʻoe ke kau i kou mau lima a hiki i ka 90 pakeneka o ke kumukūʻai a hiki ke hoʻemi ʻia ka uku paneʻe i 16-19 pakeneka.
ʻAʻole hāʻawi ʻia kahi waihona kaʻa no kekahi kaʻa, akā no ka mea i hoʻokuʻu ʻia ma mua o 10 mau makahiki i hala, ua hoʻopaʻa inoa ʻia, aia ka mea nona nā palapala āpau no ia. Inā loaʻa iā ʻoe kahi kaʻa kaʻa i hana ʻia ma ka home, a laila ʻaʻole hiki ke loaʻa iā ʻoe ka nui o ke kālā no ia mea, ʻaʻole pono ia ma mua o ʻelima mau makahiki, ʻaʻole makemake kēlā me kēia panakō e lawe i ia kuleana.
ʻO ka pūʻolo o nā palapala no ka loaʻa ʻana o kahi hōʻaiʻē ka mea maʻamau - kahi passport, TIN. ʻAʻole koi ʻia kahi ʻōlelo kālā, ʻoiai e koi paha kekahi mau panakō. Pono ʻoe e hōʻike i nā palapala no ke kaʻa ponoʻī a me ka laikini kaʻa.
Loaʻa i kahi hōʻaiʻē mai kahi pawnshop
Inā ʻaʻole makemake ka panakō e hoʻopuka i kahi hōʻaiʻē, a laila aia kahi mea hou aʻe - e hoʻopili i kahi pawnshop. Ma ke kumu, hana nā pawnshops e like me ka hoʻolālā like:
- a i ʻole ʻoe e hoʻomau i ka hoʻohana ʻana i kāu kaʻa kaʻa, akā ʻo 60-70 pakeneka wale nō o kona waiwai e uku ʻia;
- a i ʻole waiho ma kahi kaʻa o ka hale pawnshop a loaʻa iā 80-90 pakeneka ma kou mau lima.
Aia hoʻokahi pilikia i ka hana ʻana me nā pawnshops - kiʻekiʻe loa ka uku paneʻe, ma ka awelika o ka ʻelima pakeneka o ka mahina, inā ʻoe e noi i kahi hōʻaiʻē no hoʻokahi makahiki a ʻelua paha, a hiki i 11-12 i kēlā me kēia mahina, inā ʻoe e hoʻihoʻi i ka kālā i loko o nā mahina ʻelua. Aia kekahi mau koi ʻenehana.
Pono e hoʻolako ʻia ka hoʻonohonoho o nā palapala i ka pawnshop e like me ka waihona. Eia kekahi, pono e ʻike ʻia kahi hiʻohiʻona o nā pawnshops - ʻo ka hoʻoholo ʻana i kahi hōʻaiʻē e hana maoli ʻia i loko o kahi mau minuke, ʻaʻole like me nā panakō, kahi e kali ai ʻoe i kekahi mau lā.
Inā, no kekahi kumu, ʻaʻole hiki iā ʻoe ke hoʻihoʻi i ka hōʻaiʻē i ka manawa, e hele kāu waiwai i ka panakō a i ʻole ka hale pawnshop, a pono ʻoe e uku i ka waiwai kūʻai holoʻokoʻa o ke kaʻa kaʻa no ka hoʻihoʻi ʻana. ʻAʻohe hoʻopaʻi iā ʻoe.
Ke hoʻouka nei…
