Pehea a ma hea kahi ʻoi aku ka maikaʻi e helu ai i kahi hōʻaiʻē mea kūʻai
Inā makemake ʻoe e ʻike ma mua i ke kumukūʻai o ka hōʻaiʻē a me ke ʻano o ka nui o ka uku, hiki iā ʻoe ke hoʻohana i nā ʻano hana no ka helu ʻana i kahi hōʻaiʻē mea kūʻai aku.
- hoʻohana i ka mīkini helu pūnaewele ma ka pūnaewele o ka panakō;
- hoʻopiha i kahi noi pūnaewele e loaʻa i kahi hoʻoholo mua o ka panakō me kahi wehewehe o nā kūlana hōʻaiʻē;
- e kipa pilikino aku i ka panakō.
ʻO nā puka kūikawā a me nā lawelawe pūnaewele
Hāʻawi ka nui o nā pūnaewele kumuhana kumuhana a me nā puka pūnaewele e hoʻohana i kahi mīkini helu hōʻaiʻē pūnaewele a ʻike i ka nui āu e uku ai ke loaʻa kāu hōʻaiʻē. Aia kekahi mau ʻano ʻokoʻa i ka helu ʻana i kahi hōʻaiʻē mea kūʻai aku: e ka nui o ka loaʻa kālā, e ka uku hoʻokau palena palena palena ʻole, e ka nui o ka collateral, e ke kumukūʻai o ka mea a lawelawe paha i kūʻai ʻia me ka hōʻaiʻē, e ka nui o ka hōʻaiʻē. E hōʻike ka mea helu i ka lōʻihi o kāu hōʻaiʻē kālā, i ka nui āu e uku ai i kēlā me kēia mahina, he aha ka uku paneʻe e uku ʻia i ka hōʻaiʻē, a huki i kahi papa manawa uku.
Hāʻawi pinepine kēlā mau lawelawe Pūnaewele e hoʻopihapiha i kahi nīnau e hāʻawi i ka ʻikepili ma nā panakō i hiki ke hoʻopuka i kahi hōʻaiʻē. I kekahi manawa e noi paha nā scammers e hoʻouna i kahi leka SMS uku ʻia a kāhea paha i kahi laina kākoʻo mea kūʻai aku i uku ʻia, a i ʻole hoʻopiha i kāu pahu leka uila me nā leka uila he nui.
Hiki ke hoʻohana ʻia nā lawelawe pūnaewele ma ke ʻano he laʻana, ʻaʻole hiki ke loaʻa ka ʻike pololei a me ka ʻike o ka wā ma aneʻi. ʻAʻole lākou e noʻonoʻo i kēlā me kēia kikoʻī o ka hana o kekahi panakō a me kā lākou koi no nā mea kūʻai aku. Hiki iā ʻoe ke kiʻi i kahi leka i nā manawa he nui e pili ana i ka ʻae ʻia o kahi noi e kahi panakō kikoʻī, akā ke hele ʻoe i ka panakō pilikino me nā palapala, ʻike ʻia ua ʻike ʻia kāu ʻike e nā limahana panakō no ka manawa mua, a ʻaʻole ʻoe i kūpono i kekahi mau palena a ʻaʻole hiki ke helu i ka uku paneʻe palena haʻahaʻa i kuhikuhi ʻia i loko. hoʻolaha E akahele!
ʻAʻole hōʻike ka calculator pūnaewele i ka nui o nā uku huna, nā uku o nā panakō ʻē aʻe, a me nā kumukūʻai e pili ana no ka loaʻa ʻana o kahi hōʻaiʻē mea kūʻai.
ʻO ka helu hōʻaiʻē ma ka pūnaewele official o ka panakō
ʻOi aku ka maikaʻi e helu i kahi hōʻaiʻē mea kūʻai ma ka pūnaewele official o ka panakō i wae ʻia. Ma laila e hiki ai iā ʻoe ke hoʻopiha i kahi noi hōʻaiʻē pūnaewele. ʻO ka pūnaewele a me ka kamepiula wale nō kāu e pono ai. A i kēia hihia, ʻaʻole pololei paha ka ʻike helu, a iā ʻoe, i ka loaʻa ʻana o ka ʻae mua, hele i ka panakō, huli paha ia he ʻokoʻa ke ʻano o nā hōʻaiʻē mai nā kumu kumu.
Hana ʻia kēia no nā kumu like ʻole, no ka laʻana, ʻaʻole ʻoe i hōʻoia i ka ʻikepili i hōʻike ʻia i ka palapala noi a i ʻole ka nui o ka uku luna ma ka hōʻike kālā loaʻa ma mua o ka mea āu i loaʻa maoli ai. Aia paha he kumu ʻē aʻe: ʻaʻole lawa ka kikoʻī o nā nīnau o ka noi a ʻaʻole noʻonoʻo i nā subtleties a me nā pae hoʻohālikelike a ka panakō e hoʻohana ai e loiloi i nā mea hōʻaiʻe kūpono.
E kipa aku i ka panakō
ʻO ke koho maikaʻi loa no ka helu ʻana i kahi hōʻaiʻē mea kūʻai aku he kipa pilikino ʻana i kahi lālā panakō. ʻAʻole makaʻu ka mea nui i ka poʻe e kū ana iā ia. ʻO ke kūkākūkā, e like me nā noi o kēia manawa, nā lula o ka kulekele hōʻaiʻē kūloko a me nā kumukūʻai o kēia manawa, e helu i nā palena hōʻaiʻē ma hope o ka hoʻopihapiha ʻana i ka noi a me ka waiho ʻana i nā palapala āpau.
Hiki iā ʻoe ke maʻa me ka nui o ka uku paneʻe a me ka huina o ka uku ma hope o ka ʻae ʻia o ka palapala noi. E pololei nā helu āpau a like me nā kūlana ma lalo e kau inoa ai ka panakō i ka ʻaelike hōʻaiʻē.
No ka loaʻa ʻana o kahi pane mai ka panakō, pono ʻoe e kali mai kekahi mau hola a i kekahi mau lā, akā ʻaʻohe mea pūʻiwa ʻole i ka ʻaelike hōʻaiʻē. Hiki iā ʻoe ke hōʻole i ka hōʻaiʻē ma mua o ke kau inoa ʻana i ka ʻaelike inā ʻaʻole ʻoe ʻoluʻolu i nā kūlana i hāpai ʻia. Inā ua kau inoa ʻoe a ua hoʻoholo e hoʻopau i ka ʻaelike, pono ʻoe i ke kōkua o ka loio wale nō, akā i ka luna kānāwai.
Hiki iā ʻoe ke helu i ka nui o ka uku ma ka hōʻaiʻē mea kūʻai aku iā ʻoe iho, akā paʻakikī e koho e pili ana i nā hana maʻa a pau o ka panakō a me nā kumukūʻai hou aʻe, i ʻōlelo ʻia ma nā paʻi liʻiliʻi wale nō i ka ʻaelike hōʻaiʻē. Eia nō naʻe, e like me ke kānāwai o kēia manawa, koi ʻia ka panakō hōʻaiʻē e hoʻomaopopo i ka mea hōʻaiʻē ma mua o ka hāʻawi ʻana i kahi hōʻaiʻē e pili ana i ke kumukūʻai holoʻokoʻa o ka hōʻaiʻē, akā hoʻāʻo ʻo ia e hana i kēia i ka manawa hope loa, ke manaʻo he hiki ʻole ke hāʻawi i ke kālā i paʻa i kāna lima.