Hoʻohou hope loa ma Nowemapa 29, 2020
ʻO wai ka panakō maikaʻi loa e lawe i nā hōʻaiʻē pilikino ma Oklahoma - Inā noho ʻoe ma Oklahoma a makemake ʻoe i kahi hōʻaiʻē pilikino, eia kekahi o nā panakō maikaʻi loa a me nā mea hāʻawi kālā āu e hoʻohana ai e kiʻi i nā hōʻaiʻē pilikino maikaʻi loa ma Oklahoma. Akā, ma mua o ka hele hou ʻana, e hoʻomaopopo pono kākou i ka manaʻo o ka "loan pilikino" a me nā kumu no ka loaʻa ʻana o nā hōʻaiʻē pilikino.
Table of Contents
He aha kahi hōʻaiʻē pilikino?
ʻO kahi hōʻaiʻē pilikino ke kālā āu e hōʻaiʻē ai mai kahi panakō, hui hōʻaiʻē, a i ʻole mea hāʻawi kālā ma ka pūnaewele āu e uku ai i nā uku o kēlā me kēia mahina a i ʻole nā hōʻemi, ʻoi aku ma mua o ʻelua a ʻehiku mau makahiki. Hiki ke ʻokoʻa nā uku hāʻawi mai ka 6% a i ka 36% APR.
Me kahi hōʻaiʻē pilikino, hiki iā ʻoe ke hōʻaiʻē i ke kālā e uhi i ke kumukūʻai o ka hoʻomaikaʻi ʻana i ka home, uku i nā bila lāʻau lapaʻau a i ʻole e hoʻohui i ka ʻaiʻē kiʻekiʻe. I nā manawa he nui, hiki ke loaʻa i kahi hōʻaiʻē pilikino no kahi mea āu e makemake ai.
Nā ʻano o nā hōʻaiʻē pilikino?
ʻElua mau ʻano nui o nā hōʻaiʻē pilikino:
1. Hoʻopaʻa ʻia nā hōʻaiʻē pilikino
Pono kēia ʻano hōʻaiʻē pilikino i kekahi ʻano collateral. Inā loaʻa iā ʻoe kahi hōʻaiʻē mai kāu panakō, pono paha ʻoe e kau i kekahi kālā i loko o kahi CD i mea hōʻaiʻē e hoʻopaʻa i ka hōʻaiʻē. A i ʻole, hiki iā ʻoe ke hoʻopaʻa i kahi hōʻaiʻē pilikino me kāu kaʻa a i ʻole kekahi waiwai ʻē aʻe. Inā ʻaʻole ʻoe e uku, hiki i ka mea hāʻawi kālā ke lawe i kāu hōʻaiʻē e hoʻopau i kāu aie.
2. Nā hōʻaiʻē pilikino i mālama ʻole ʻia
ʻO kekahi o nā pōmaikaʻi nui loa o ka loaʻa ʻana o kahi hōʻaiʻē pilikino unsecured ʻaʻole ʻoe e hoʻoweliweli i kahi waiwai. Inā ʻaʻole hiki iā ʻoe ke uku, he liʻiliʻi ka mea nāna e hāʻawi aku ma mua o ka hoʻouna ʻana i kāu moʻokāki i nā hōʻiliʻili a hoʻopiʻi paha iā ʻoe e hoʻāʻo e ʻohi i kāna aie. ʻAʻole ʻoe i hoʻopaʻa i ka ʻaiʻē i kahi waiwai, no laila ua emi iki ka pilikia iā ʻoe.
Eia nō naʻe, ma muli o kēia, hiki i nā mea hāʻawi kālā ke hoʻoholo e hoʻopaʻa i ka uku pānaʻi kiʻekiʻe a i ʻole e koi i kahi helu ʻaiʻē maikaʻi aʻe. E hoʻomanaʻo wale, ke hala ʻoe i nā uku, hōʻike ʻia i ka ʻoihana hōʻaiʻē a hiki ke hoʻemi i kāu helu ʻaiʻē.
Eia nō naʻe, nui nā mea hāʻawi kālā e makemake e hāʻawi i nā hōʻaiʻē pilikino ʻole i nā uku kūpono. E noʻonoʻo pono i ke ʻano i kūpono i kāu mau pono.
Nā pōmaikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē pilikino?
Nui nā pono hōʻaiʻē pilikino e noʻonoʻo ai i ka wā e hoʻoholo ai inā ʻo ka loaʻa ʻana ke ala kūpono iā ʻoe. ʻO ka maʻalahi kekahi o nā pōmaikaʻi nui o ka loaʻa ʻana o kahi hōʻaiʻē pilikino, akā aia kekahi mau pono ʻē aʻe.
1. Hiki ke hoʻohana ʻia nā hōʻaiʻē pilikino no nā kumu he nui.
Ke loaʻa iā ʻoe kahi hōʻaiʻē pilikino, hiki ke hoʻohana ʻia no ka aneane o nā kālā pilikino. Aia kekahi mau ʻokoʻa, akā, no ka hapa nui, hiki iā ʻoe ke hoʻohana i ke kālā e like me kou makemake. ʻO kekahi o nā ala e hiki ai iā ʻoe ke hoʻohana i nā hōʻaiʻē pilikino, ʻo ia ka hoʻohui ʻana i ka aie, nā lilo i manaʻo ʻole ʻia, ke kūʻai ʻana i kahi kūʻai nui, uku no ka male ʻana, hele i ka hoʻomaha, kūʻai i kaʻa, etc.
2. Loa'a nā uku ha'aha'a a me nā palena hō'ai'ē ki'eki'e.
I nā manawa he nui, hiki ke loaʻa kahi hōʻaiʻē pilikino no ka nui o ka nui ma mua o kāu i loaʻa ma kāu mau kāleka hōʻaiʻē. Eia kekahi, hiki i ka nui o nā hōʻaiʻē pilikino ke loaʻa nā uku haʻahaʻa ma mua o nā kumukūʻai kāleka hōʻaiʻē, ʻoiai ʻaʻole kēia ka hihia.
3. Hiki i kahi hōʻaiʻē pilikino ke kōkua i ka hoʻomaikaʻi ʻana i kāu helu ʻaiʻē.
ʻO kekahi pōmaikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē pilikino ʻo ia ka mea hiki ke hoʻomaikaʻi i kāu helu ʻaiʻē. Ke hana ʻoe i kāu mau uku i ka manawa a uku i ka huina piha e pono ai, kūkulu ʻoe i kāu mōʻaukala aie.
4. Loaʻa nā hōʻaiʻē pilikino i ka papa kuhikuhi uku.
ʻO ka papa hoʻonohonoho uku i hāʻawi ʻia e nā hōʻaiʻē pilikino hiki iā ʻoe ke ʻike pololei i ka wā e pau ai kāu uku ʻana i kāu aie, a hiki iā ʻoe ke ʻike pono i ka nui o ka ukupanee āu e uku ai.
ʻO wai ka waihona maikaʻi loa e lawe ai i nā hōʻaiʻē pilikino Oklahoma?
ʻO nā panakō maikaʻi loa no ʻaiʻē pilikino ʻokoʻa ma muli o kāu mau pono, akā hāʻawi ka nui i nā kuʻikahi hoʻokūkū no nā ʻano mea ʻaiʻē. ʻO ka mea maikaʻi loa e hāʻawi i kahi helu haʻahaʻa haʻahaʻa haʻahaʻa, nā hua'ōlelo lōʻihi, a liʻiliʻiʻole i nā uku. A ʻoiaʻiʻo, ʻo kāu pono pilikino a me kāu ʻike kālā e pili pū i ke ʻano o ka mea hāʻawi kālā āu e ʻike ai he kūpono. Inā noho ʻoe ma Oklahoma, USA a makemake ʻoe i kahi hōʻaiʻē pilikino, eia kekahi o nā mea hāʻawi maikaʻi loa hiki iā ʻoe ke hoʻohana.
| ʻĀnō | Nā mea maikaʻi loa | Pae APR | Ka nui o ka aie | Ka nui o ka aie | lIKE | Paʻaʻai ʻaiʻē i ʻōlelo ʻia |
| ʻO Wells Fargo | ʻO ka Bank Nui maikaʻi loa | 5.74%–24.49% me ka hoemi pili | $3,000 | $100,000 | 12-84 mahina | 620 + |
| ʻAlamalama | ʻOi loa no nā hōʻaiʻē hoʻomaikaʻi home | 3.99%–16.49% me ka uku auto | $5,000 | $100,000 | 24-144 mahina | 680 + |
| ʻO Marcus na Goldman Sachs | ʻOi loa no nā hōʻaiʻē hoʻohui ʻaiʻē | 6.99% –19.99% | $3,500 | $40,000 | 36-72 mahina | 660 + |
| Bank TD | ʻOi aku ka maikaʻi no nā hui pūlima | 6.99% –18.99% | $2,000 | $50,000 | 12-60 mahina | 660 + |
| American Express | ʻOi aku ka maikaʻi no nā lālā kāleka American Express | 5.91% –19.98% | $3,500 | $40,000 | 12-36 mahina | 670 + |
| USAA | ʻOi aku ka maikaʻi no nā lālā koa | 7.24% –17.65% | $2,500 | $5,000 | 12-84 mahina | 600 + |
| Kālāʻo Citibank | ʻOi aku ka maikaʻi no nā uku pili | 7.99%–23.99% me ka uku auto | $2,000 | $30,000 | 36-60 mahina | 670 + |
| Mob | ʻOi loa no ke kālā wikiwiki | 6.99% –24.99% | $2,500 | $35,000 | 36-84 mahina | 670 + |
Pehea e loaʻa ai kahi hōʻaiʻē pilikino Oklahoma?
ʻO ka noi ʻana i kahi hōʻaiʻē pilikino he kaʻina maʻalahi, a he nui nā mea hāʻawi kālā i kēia manawa e ʻae iā ʻoe e noi ma ka pūnaewele, no laila hiki iā ʻoe (a pono) ke nānā me nā kumu he nui e hoʻāʻo e kūʻai i nā uku ukupanee maikaʻi loa a me nā uku. No kēlā me kēia noi, pono ʻoe e hōʻike i ka nui āu e makemake ai e hōʻaiʻē, a pono ʻoe e hoʻouna i ka ʻike e pili ana i kāu loaʻa, kāu hana a, pinepine, kāu ʻaiʻē koʻikoʻi a me nā lilo o kēlā me kēia mahina.
ʻO ka hapa nui o nā mea hōʻaiʻē e nānā i kāu helu ʻaiʻē a me nā hōʻike hōʻaiʻē ma ke ʻano he ʻāpana o kā lākou hoʻoholo hōʻaiʻē, no laila inā ʻaʻole ʻoe i loko o kahi kūlana ulia pōpilikia, kūpono ke nānā ʻana i kāu hōʻike hōʻaiʻē a me nā helu i loaʻa iā ʻoe ka manaʻo i ka mea a nā mea hāʻawi kālā e ʻike ai i ka nānā ʻana i kāu. palapala noi.
E like me nā ʻano hōʻaiʻē pilikino āpau, mālama nā mea hōʻaiʻē pilikino i kā lākou uku uku haʻahaʻa no ka poʻe me nā helu ʻaiʻē maikaʻi loa. Inā maikaʻi kāu ʻaiʻē, paʻakikī paha ka loaʻa ʻana o kahi hōʻaiʻē pilikino ma kahi haʻahaʻa, a inā ʻo kāu hōʻaiʻē ma ka hopena haʻahaʻa o ka spectrum, pono ʻoe e lawe i ka manawa e kūkulu ai i kāu mau helu ʻaiʻē ma mua o kou hiki ke kūpono. no kahi hōʻaiʻē pilikino.
Ke Hopena
Ma mua o kou hoʻoholo ʻana e lawe i kahi hōʻaiʻē pilikino mai kahi panakō, e ʻimi mua i kāu mau koho āpau, me nā mea ʻē aʻe. Ma muli o kou makemake a me ka wikiwiki o kou makemake i ke kālā, ʻike paha ʻoe he ʻoi aku ka maikaʻi o kekahi mau panakō a mea hāʻawi kālā paha ma mua o nā mea ʻē aʻe. Inā lawe ʻoe i nā lā a i ʻole nā pule e noi ai i kahi hōʻaiʻē a loaʻa kālā, ʻaʻole ia e kōkua i kahi kūlana e koi ai i kahi hopena wikiwiki.
Manaʻo mākou he kōkua kēia ʻike iā ʻoe.