Synopsis: One must have money in order to borrow money, even if it isn’t needed. A person who really needs to borrow money, particularly for a mortgage, can’t qualify.

Aloha mai e nā hoa ‘alo like i ka ‘īnea. Eia nō kākou ke ho’omanawanui nei i ke kimokimo ‘ana o ka helu kuapo o ka mākeke kea. Ua ‘ike paha kekahi i ka ‘eha a ua ‘ike ‘ole paha kekahi. Pehea lā ‘oukou? He mea maika’i nō paha ka ‘ike ‘ole. Nui hewahewa ka po’e “lae’ula” i ia mea he kuapo kea. Eia nō lākou ke pili nei i ko lākou mau waiwai a me nā waiwai ho’i o nā kānaka i hapa mai ko lākou ‘ike a i like na’e paha ke ake kālā. No’u iho, ‘a’ohe hewa o ka hana kālā ma loko o ka mākeke kea. He koho ia na kēlā kanaka kēia kanaka. He mea maha’oi ka ha’i aku iā ha’i i kāna e hana ai me kāna kālā pono’ī. No’u iho na’e, e aho ka waiho wale i ke kālā ma loko o ka mākeke me ka ho’omanawanui ‘ana i ke kimokimo o ka helu. Ke hala ka wā kūpiliki’i, e pi’i hou aku nō.

Ma loko nō o ka pilikia o ka pō’aiawaiwai a kākou e ‘ike nei, he wā maika’i loa nō paha kēia no ke kū’ai hale. Ua emi loa ka pākeneka hō’ai’ē kālā ma lalo o ka ‘ehā pākēneka, a ma kahi paha i ‘ike ‘ole ‘ia i loko o nā makahiki he nui. I loko nō o ka ho’ohiki a ka Federal Reserve ‘a’ole e pi’i ana kēlā pākeneka no ‘ekolu makahiki, ua ‘ano ho’omaloka nō au. ‘A’ole paha e hiki ke hana pēlā. E hiki mai ana paha ka wā e hiki wale ai nō i ke kanaka waiwai ke hō’ai’ē i ke kālā a ha’i. A he mea ‘ano ‘ē kēlā ke no’ono’o a’e. No ke aha lā e mana’o ai ka mea kālā e hō’ai’ē i ke kālā a ha’i? ‘A’ole paha e hihi, ‘o kēia nō paha ka wā kūpono e hō’ai’ē hou ai i kekahi kālā e emi ai ka pākēneka molaki o ka mea hale, a i ‘ole ia, he wā nō e lilo ai i mea hale ma o ka hō’ai’ē molaki ‘ana.

‘O ka hapanui loa o kākou, eia nō ke noho nei i loko o kekahi hale. ‘O kekahi, ‘o ia nō ka mea nona ka hale, akā, ‘o ka hapanui, he ho’olimalima ka hana. I ka wā ki’eki’e o ka pākēnaka hō’ai’ē molaki, he mea akamai paha ka ho’olimalima hale, no ka mea, ua ‘oi aku ka pipi’i o ka molaki i kēlā me kēia mahina. Inā nō pēlā, e aho ka ho’olimalima, no ka mea, pēlā e mālama ai i kekahi kālā me ka mana’o ho’opukapuka. Pēlā e ulu ai ka nui o ke kālā a kū’ono’ono ai ho’i ka nohona. Eia na’e, i ka wā e emi loa ai ka pākēneka hō’ai’ē molaki, e like me kā kākou e ‘ike nei, he mea akamai ke kū’ai hale ‘ana a me ka lilo ho’i i mea hale.

He mea maopopo, ‘a’ole e hiki i nā kānaka a pau ke kū’ai hale. He hana nui ke kū’ai ‘ana i ka mea’ai a me nā mea ‘ē a’e e pono ai ka nohona. Eia na’e ka mea ‘āpiki. Ua ‘oi aku paha ka nui o ke kālā e lilo nei i kēlā me kēia mahina no ka ho’olimalima hale ma mua o ke kālā e uku ai no kahi molaki. ‘A’ole na’e e hiki iā ia ke hō’ai’ē i ke kālā e lawa ai ke kū’ai ‘ana i ia hale, no ka mea, ‘a’ole lawa kāna kālā. He mea ‘ano ‘ē ke no’ono’o a’e. ‘O ka mea kālā, ua hiki ke hō’ai’ē i ke kālā a ha’i, a ‘o ka mea kālā ‘ole, ‘a’ole hiki ke hō’ai’ē. Aloha nō kākou!

E ho’ouna ‘ia mai n leka i m ua, ‘o ia ho’i ‘o Laiana Wong a me Kekeha Solis ma ka pahu leka uila ma lalo nei:
» kwong@hawaii.edu
» rsolis@hawaii.edu
a i ‘ole ia, ma ke kelepona:
» 956-2627 (Laiana)
» 956-2627 (Kekeha)

This column is coordinated by Kawaihuelani Center for Hawaiian Language at the University of Hawai’i at Mānoa.