Nana e hoole moraki

Ma ka ai market i loko o nā makahiki, he hou kani - "aʻe moraki", he polokalamu i hiki haawi pensioners, kanaka elemakule manawa, e hoʻoikaika 'i ka hana i loko o a lakou i noho ai, ma muli o kā lākou mau i na waiwai.

E like me ka berita o ka aʻe moraki collateral mea maoli waiwai, aia i loko o ka Loaʻaʻia mea hāʻawi i loko o ka waiwai. Ke kālailaiʻana iā ia, i ke kae e kaumaha ana i ka hoaie ana no ka mea i kā mākou e hiki dala no lakou iho. Hope, e makaʻuʻole n iaainoaoeii neo ke kuai aku a me ka uku aku i ka aie. He hiki i ka pali, e ole e hiki i loko o ia i kekahi ala e uku aku i ka aie i ka piha, ma keia hihia, ke hele mai, e kōkua i ka moku'āina - ia uku i ka likeʻole. Ma waho aʻeo ia i ke kuai ana o maoli waiwai collateral, he mea no hoi i ka'ē aʻe olelo o ka hoi ana mai o ka ia o ka aie.

A nana e hoole moraki mea pakahi aku la ia i pili i ka nui uuku nui o ka uku a me ka hoomau, a me ka wā o ka mea hāʻawi mai i keiki.

Consumer laweʻae'ē ua manaoia, e aho, e hālāwai me ka pono o ka hana-makahiki heluna. Like no ka loan no pensioners, he pakahi aku la ia hilinaʻi ma luna o ka mea e ai hui ka mea, e hāʻawiʻia, hoʻokahi paha e ole. Not e hōʻike i ka mea i ka hoʻi "aie" dala ma ka puʻu e kū pono hoihoi holo 'awelika, e ia oi ma mua o pilikia.

Akā, ma ka "aʻe"? Ia? Aiiu i ka pensioner he mea hiki ke koho: kekahi e loaa i ka nui na dala i kekahi manawa, i loko o kona mau lima, a, e loaa ia ia ka malama (ka mea huli mai ino mahuahua ana i loko o kā lākou hoomau).

Bank me kekahi o na i komo i loko o kēia noaia haawi mai i ke kālā, a me ka malama ole loaa ia, a me ke kumu ka mea, ua kapaia manaʻo. A nana e hoole moraki mea he kumu okoa mai ka panina - ka mea, aole ia i koi hoomau no ka mea, o ka accrued kuala no ka pono o ke dala e 'akomi i hoʻohuiʻia ai i ka nui o ka aie.

He noteworthy ia, ma ke komo i loko o kēia polokalamu, ka mea mau i ka noho ana ma kona iho keʻena. Ka hapanui i hoomaluia mea hāʻawi mai 'ana mai o ke keʻena i loko o ka wa o ka paʻamau like loa me:

• ma ka liʻiliʻi loa kekahi o na lala ohana o pensioners, paʻa kakau i loko o ke keʻena, e ola ana;
• mea hāʻawi nā uku ma maoli waiwai, me auhau a me ka lapaʻau.

Au pono aku nei au i ka noho malama uku i ka aie, he pensioner kokoke loaʻa loa no, ina i ka piha waiwai o ka mea moraki aku waiwai. Kēia 'o ia hoʻi i hope ke keʻena e e hoʻokō, ua hoemiia ka ili waiwai ma kekahi mau manawa paha e nalo.

Paha kekahi ka nani a nana e hoole moraki annuity. Akā, mai mai, mailoko i ka hopena. I ka wā i ola annuity kūpuna kanaka hoolilo i kekahi hui a kanaka i ka pono i kona waiwai ma ka kūkaʻi no kālā a me ka physical kōkua. Oia kekahi aelike hana i ka wa e ola ana uku o ka haawina ma ka pono o ke kanaka i kēia mau hana i i ea ae. A ole ia he mea hihiu ke kanaka elemakule e makau i manao i kuikahi me ia e e hoihoi i loko o ka kokololio hele ana o kona mau "papa".

Ma lalo o ke ano o ka mea nana e hoole moraki i ke kapa, ma ka mea ku ole, hoihoi i like ka nui me hiki loa ke ola o ka mea hāʻawi: me ka uku kuala ulu nui o ka aie. Mākou hiki ole hookaawale ia i ka mea i ka mea hāʻawi 'ole kekahi o kona poe hoahanau, hoihoi aie, e hoihoi mai i ko lakou mau mea e pono ai i ke keʻena.

Ke noaia hoʻoneʻe 'ia paha ia e hou aku i loko o ke koi ma ke kaiapili loa mehameha pensioners me ka uuku n iaainoaoeii neo. Ma nā hihia, ma laila i 'ano like nā koho e paha i nā makahiki, e like me:

• haawi aku no kekahi keʻena, me he liʻiliʻi wahi,
• ka hoʻolimalimaʻana i kou keʻena no ka hoolimalima a me nā hoolimalima n iaainoaoeii neo, me he liʻiliʻi wahi,
• kōkua mai hoahanau, wā e hiki mai hooilina, etc.

No ka moku'āina, ia mea mea eʻoi aʻe moraki, e like me ka mea i hoʻololi i kona mau kuleana e hoʻolako i ke kiʻekiʻe o nā pensioners e noho ana ma luna o nā hale kalepa, i lawe ia, nae, ma no o n iaainoaoeii neo, hoʻolimalima i ka pensioner.