Nānā i nā koho hōʻaiʻē kaʻa
Hōʻike ʻia nā koho kālā kaʻa like ʻole ma lalo nei.
Loan pilikino
ʻO kahi hōʻaiʻē pilikino e ʻae iā ʻoe e hōʻaiʻē i kahi huina kālā a hana mau i nā uku paʻa e uku ai. Ma ke ʻano maʻamau, hiki iā ʻoe ke hoʻolaha i nā uku ma kahi manawa o hoʻokahi a ʻehiku mau makahiki. ʻO ka lōʻihi o ka manawa, ʻoi aku ka liʻiliʻi o nā uku maʻamau āu e hana ai.
Me kahi hōʻaiʻē pilikino, ʻaʻole hiki iā ʻoe ke hoʻihoʻi i kāu mea i uku ai (ʻoiai inā ʻoe i uku ʻoi aku ma mua o ka palena liʻiliʻi i koi ʻia) a, ʻaʻole like me kahi laina hōʻaiʻē a i ʻole kāleka hōʻaiʻē, ʻaʻole hiki iā ʻoe ke hoʻohana i ka hōʻaiʻē no nā kūʻai ʻē aʻe.
ʻO ka hapa nui o nā hōʻaiʻē pilikino he haʻahaʻa haʻahaʻa loa mai $1,000 a i $10,000 a i $25,000 ma muli o ka mea hāʻawi. E nānā pū i ka palena kiʻekiʻe - ʻaʻole palena ʻole kekahi mau hōʻaiʻē a ua kaupalena ʻia kekahi i $ XNUMX XNUMX.
Hiki ke hoʻopaʻa ʻia a hoʻopaʻa ʻole ʻia nā hōʻaiʻē pilikino ke hoʻohana ʻia kahi mea kūʻai i mea hōʻaiʻē no ka nui o ka hōʻaiʻē. Inā hoʻopaʻa ʻia kāu hōʻaiʻē, hiki ke hoʻohaʻahaʻa i kāu uku pānaʻi a hoʻopilikia i ka nui o kāu hōʻaiʻē. ʻO nā hōʻaiʻē pilikino i hoʻopaʻa ʻia e kahi kaʻa i kapa ʻia ʻo nā hōʻaiʻē kaʻa.
Nā wahi kaʻa kaʻa
Ua like nā hōʻaiʻē kaʻa me nā hōʻaiʻē pilikino, akā ʻo ke kaʻa āu e kūʻai ai he mea hōʻaiʻē ia no ka hōʻaiʻē (hiki i kekahi poʻe hāʻawi kālā ke kapa iā ia he hōʻaiʻē pilikino paʻa). ʻO ka loaʻa ʻana o kāu kaʻa ma ke ʻano he mea hōʻaiʻē, ʻo ia hoʻi, inā ʻaʻole ʻoe i hōʻaiʻē, hiki ke hao ʻia kāu kaʻa. Ke hoʻohālikelike ʻia me kahi hōʻaiʻē i hoʻopaʻa ʻole ʻia, ʻo ia ke ʻano o ka haʻahaʻa haʻahaʻa.
I mea e pono ai ke kaʻa no ka palekana, pono ia e hoʻokō i kekahi mau koi. ʻo kahi laʻana:
• Hou - He mea hou paha nā kaʻa a kūʻai wale ʻia mai ka mea kūʻai aku. ʻO nā hōʻaiʻē kaʻa hou maʻamau he haʻahaʻa haʻahaʻa.
• Hoʻohana ʻia - hiki ke kaupalena ʻia i nā kaʻa ma lalo o ʻehiku mau makahiki no kekahi mau mea hāʻawi kālā, a no nā kaʻa hoʻohana he nui, he mea nui ka nui o ka hōʻaiʻē liʻiliʻi.
• Nā mea liʻiliʻi - Hiki ke loaʻa nā huina hōʻaiʻē liʻiliʻi (ka nui o ka hōʻaiʻē, ʻaʻole ke kumukūʻai kūʻai kaʻa) mai $4,000 a i $10,000 no nā hōʻaiʻē kaʻa.
Inā ʻaʻole kūpono kou kūlana, e nānā me ka mea hāʻawi kālā āu e noʻonoʻo nei ma mua o ka noi ʻana.
Kāleka kāki
Hiki iā ʻoe ke hoʻohana i ke kāleka hōʻaiʻē e kūʻai i kaʻa, a ʻōlelo paha kekahi mau mea hāʻawi kālā inā makemake ʻoe e hōʻaiʻē ma lalo o kā lākou hōʻaiʻē liʻiliʻi, ʻoi aku ka nui inā loaʻa iā lākou kahi kāleka hōʻaiʻē haʻahaʻa i kā lākou hui huahana.
ʻO ke kūʻai ʻana i kaʻa me kahi kāleka hōʻaiʻē ʻaʻole paha e like me ka maikaʻi. E aʻo hou e pili ana i ka maikaʻi a me ka maikaʻi o ke kūʻai ʻana i kaʻa me kahi kāleka hōʻaiʻē.
ʻO ka hale kaʻa
ʻO ka hoʻolimalima ʻana i kahi kaʻa e like me ka hoʻolimalima ʻana i kahi kaʻa no kahi manawa kikoʻī, me ke koho e kūʻai aku ma ka hopena o ka hoʻolimalima no ke koena o ka loaʻa kālā, ʻo ia hoʻi, kahi kumukūʻai a i ʻole ka pakeneka i ʻae ʻia ma mua.
Hiki ke hoʻolimalima kaʻa no:
• ʻO nā mea kūʻai aku i hāʻawi aku ka mea hana i kahi pūʻolo uku kaʻa ma o Novated Lease.
• ʻO nā ʻoihana ʻaʻole makemake e hoʻopaʻa i ke kapena e paʻa ana i ka waiwai hoʻemi.
E aʻo hou e pili ana i ka hoʻolimalima ʻana ma ka Considering Car Leasing.
Kūʻai uku
ʻO kahi kūʻai hoʻokaʻawale, i kekahi manawa i kapa ʻia he kūʻai hoʻolimalima ʻoihana, he koho kālā kahi e kūʻai ai ka mea kālā i ke kaʻa a hoʻolimalima ʻoe iā lākou no kahi manawa i ʻaelike ʻia. E like me ka lease, hiki iā ʻoe ke hoʻokomo i kahi uku nui ma ka hopena o ka ʻaelike, akā ʻaʻole koi ʻia kēia.
Manaʻo ʻia ke kūʻai ʻana no nā hui a i ʻole nā kānaka e hoʻohana ana i ke kaʻa no ka hana ʻoihana.
Moraki o ka waiwai hoonee
ʻO ka moraki ma ka waiwai hoʻoneʻe kahi koho kālā kaʻa kūpono no nā ʻoihana kahi i hoʻohana ʻia ai ke kaʻa i kūʻai ʻia (waiwai hoʻoneʻe) no ka ʻoihana ma mua o 50% o ka manawa.
Lilo koke ka hui i ka mea nona ke kaʻa, me ka ʻole o ka hoʻokomo kālā ʻana i ke kūʻai ʻana, akā hiki nō ke koi i nā pono ʻauhau ma ke kaʻa. Loaʻa iā ʻoe ke koho e hoʻohuli i kahi uku ma ka hopena o ke kau e hōʻemi i nā uku, akā ʻaʻole koi ʻia kēia.
