0% Hoʻolimalima kālā kaʻa: ʻO ka ʻoiaʻiʻo e pili ana i 0-1% kālā kālā hou
ʻIke ʻia kēia lula a hiki paha i ka mea kūʻai maikaʻi loa ʻo Donald Trump ʻo The Art of the Deal inā makemake ʻoe i nā puke me nā huaʻōlelo pōkole: "ʻO kēlā me kēia mea maikaʻi loa i ka ʻoiaʻiʻo.
No laila, inā ʻike ʻoe i kahi hoʻolaha e hoʻohiki ana i ka "0% APR," "0% kaʻa kālā," a i ʻole ke kani liʻiliʻi "1% kaʻa kālā kālā," e hopu koke i kāu mau aniani heluhelu a mākaukau e hoʻomaka i ka ʻimi ʻana i nā uku. paʻi no ka mea ʻoi aku ka nui o nā ʻaelike kālā kaʻa hou ma mua o ka ʻike.
ʻO ka ʻoiaʻiʻo maʻalahi a ʻike pono ʻia ʻo nā kaʻa hou me ke kālā ʻole hiki ke ʻoi aku ke kumukūʻai ma mua o ke kūʻai ʻana i ka kaʻa like me ka uku uku maʻamau. He mea kūʻē paha kēia iā ʻoe, a inā pēlā, pono ʻoe e heluhelu.
Ke ʻike ʻoe i kahi hāʻawi e like me "0% kālā" ʻano like ia me kahi pōʻino o kahi kuʻikahi, akā ʻo ia ke kani ʻana o nā ʻaelike kālā kaʻa. ʻO ke kumu, e pili ana i ke komo ʻana i ka lumi hōʻike.
ʻO ka mea e pono ai ʻoe e hoʻolohe i ka laina lalo, a maʻalahi ka makemakika ma aneʻi. Inā hiki iā ʻoe ke kūʻai i kaʻa me kahi ʻaelike kālā maʻamau, e ʻōlelo ma 8.0%, no $19,990, e ʻoi aku ka maikaʻi ma mua o ke kūʻai ʻana i kaʻa ma 0 pākēneka inā he $24,990 ka kaʻa like ma kāu ʻoihana "kūikawā" 0 pakeneka. .
No ka mea, ʻo ia ka hana a nā hui kaʻa i kekahi manawa, ʻo ka hapa nui he ala e hoʻihoʻi i ke kumukūʻai o ka hāʻawi iā ʻoe me ka "0% kālā" no ka laʻana. Hāʻawi lākou iā ʻoe i kahi haʻahaʻa haʻahaʻa akā hoʻonui i ke kumukūʻai o ke kaʻa a i ʻole e hoʻohui i nā uku hou, nā uku hoʻouna a me nā uku. Eia hou, e pili ana i ka heluhelu ʻana i ka paʻi maikaʻi.
Ma ka hoʻohana ʻana i ka laʻana o ka manaʻo ma luna, ua hoʻohana mākou i kahi pūnaewele no ka helu ʻana i ka huina o ka uku ʻana ma ka 8 pakeneka ʻoi aku ka haʻahaʻa ma mua o 0 pākēneka, he hana maikaʻi loa no ka ʻoiaʻiʻo.
Ma ka 8 pakeneka, he $19,990 ka waiwai o ke kaʻa ma luna o ʻekolu makahiki e koi ana i ka uku o $624 i kēlā me kēia mahina, ʻo ia hoʻi, e pau ana ʻoe i ka uku ʻana i $22,449 no ke kaʻa ma hope o ʻekolu makahiki.
Akā ʻo ke kumu kūʻai o $24,990 i uku ʻia ma luna o ʻekolu mau makahiki me ka uku ʻole he $0 i kēlā me kēia mahina, a i ʻole $694 ka huina.
"He nui nā ʻoihana kaʻa e hoʻohana i nā haʻawina haʻahaʻa haʻahaʻa e kiʻi i nā mea kūʻai aku i nā mea kūʻai aku, akā i ka hapanui o nā hihia, pili nā kuʻikahi i ke kumukūʻai piha o ke kaʻa a me ka mea kūʻai aku e uku i ka hoʻouna piha ʻana," i wehewehe ʻia e kahi loea ʻoihana kūʻai kālā.
"ʻO kēia wale nō ke ala e hiki ai i nā hui kaʻa ke loaʻa i nā uku uku haʻahaʻa. I ka hopena, loaʻa kā lākou kālā. ʻAʻole loaʻa iā ʻoe kekahi mea me ka manuahi."
He aha kāu e hana ai i ke kūʻai ʻana i ka ʻoihana kālā maikaʻi loa?
Manaʻo ka poʻe loea kālā i kāu mea e pono ai e hoʻohālikelike a hoʻokūkū i nā kuʻikahi i hāʻawi ʻia, a ʻaʻole e hāʻule no ke kūʻai maʻalahi e like me "0% kālā".
E koi e ʻike i ka huina o ka uku ʻana o kēia 0 pakeneka a me ka huina o ke kumukūʻai kūʻai, me nā uku āpau. A laila e hoʻohālikelike i kēlā kumukūʻai me ke kumukūʻai hiki iā ʻoe ke loaʻa mai kahi hui kālā ʻaoʻao ʻekolu-kāu panakō a i ʻole kekahi mea hāʻawi kālā ʻē aʻe-a pehea ʻoe e hiki ai ke loaʻa ka kaʻa like inā e hoʻonui ʻoe i kāu kālā ponoʻī (a i ʻole, inā hiki, uku. i ke kālā).
E noʻonoʻo mau e nīnau e pili ana i ka uku orb ma ka hopena o kekahi kālepa kālā no ka mea hiki ke hūnā ʻia nā pitfalls i kēia.
ʻO ka mea akamai loa e hana ai, ʻoiaʻiʻo, ʻo ke kūkākūkā ʻana, no ka mea, inā hiki iā ʻoe ke kiʻi i kāu mea kūʻai aku e hoʻopaʻa i kā lākou zero financing deal i kahi kumu kūʻai haʻahaʻa, a laila lanakila maoli ʻoe ma nā ʻaoʻao ʻelua o ka waihona.
ʻOiaʻiʻo, pono ʻoe i kahi mea kūʻai aku makemake nui e hoʻololi i kēia ʻano hoʻohālike, akā e hoʻomanaʻo ʻaʻole ia e ʻeha ke nīnau. A e mākaukau mau ʻoe e hele a nīnau i ka nīnau like i kekahi mea kūʻai aku.
A e nānā mau i kāu kālā. ʻO nā kālepa ma lalo o 2.9% ka mea maʻamau i kēia mau lā a ma ka mōʻaukala he helu maikaʻi loa kēia. A inā makemake ʻoe e lawe i ka pilikia a loaʻa ka maikaʻi me ke kālā ʻole, nui nā hui kaʻa ma laila e hoʻāʻo e hōʻoluʻolu iā ʻoe.
I ka makahiki 2021, ke emi nei ka liʻiliʻi o ka ʻike ʻana i nā mea kūʻai aku e kani ana he "0% kaʻa kālā kālā" kā lākou, no ka mea ua hoʻomaka nā mea kūʻai aku e hopu i ka hoʻopunipuni.
ʻOi aku ka maʻamau o ka loaʻa ʻana o kahi "heluhelu kālā" me nā unahi hoʻoheheʻe ma ka pūnaewele o kahi kaʻa - hiki iā ʻoe ke hoʻonohonoho i ka uku āu e makemake ai e uku, no ka manawa āu e makemake ai e uku i ka hōʻaiʻē, a me ka nui (inā loaʻa) e uku ʻoe i ka huina kālā ma ka hopena o ke kau.
Hiki iā ʻoe ke manaʻo e like me lākou i ka noho o ka mea hoʻokele, no laila e ʻōlelo, me ke kūʻokoʻa e hoʻonohonoho i nā ʻōlelo o ka hōʻaiʻē e kūpono i kā lākou mau koi ponoʻī, akā pili nā ʻōlelo hōʻoia: ʻo ka haʻahaʻa o ka uku paneʻe, ʻoi aku ka kiʻekiʻe. 'E uku i ka manawa; a e piʻi aʻe paha nā kumukūʻai hou ma ke ala (ma waena o nā kūlana āu e ʻike ai he "kuleana ka mea hana kaʻa e hoʻololi, hoʻolōʻihi a hoʻihoʻi paha i ka hāʻawi i kēlā me kēia manawa" a me nā "ʻauhau a me nā uku" kahiko maikaʻi, no laila e hoʻomau me akahele).
Hiki iā ʻoe ke hoʻohana i nā pūnaewele no ka ʻimi ʻana i nā makana maikaʻi loa, a i ʻole e ʻimi wale i kāu hōʻailona punahele a me ke kumukūʻai āu e pono ai.
Pehea e hana ai
- E nīnau i ka huina o nā uku i ke ola o ka hōʻaiʻē, me ka nānā ʻole i ka uku panee a lākou e hāʻawi ai.
- E hoʻohālikelike mau i ka hāʻawi ʻana ma ka mea kūʻai aku me nā hāʻawi ma waho no ka mea i kekahi manawa e ʻoi aku ka maikaʻi o ka mea kūʻai aku a i kekahi manawa ʻo ia nā panakō a me nā mea hāʻawi kālā ʻē aʻe.
- E nīnau inā pili ka uku pānaʻi haʻahaʻa i ke kumukūʻai o ke kaʻa a i ʻole hiki ke kūkākūkā ʻia ke kumukūʻai o ke kaʻa.
- E nānā i ka manawa o ka hōʻaiʻē. Loaʻa nā makana haʻahaʻa haʻahaʻa no nā makahiki ʻekolu wale nō, a ʻoi aku ke kiʻekiʻe o nā uku o kēlā me kēia mahina ma mua o ka uku pānaʻi loina maʻamau.
