Uku ʻia nā mea kūʻai aku ʻo Timeshare i ke kōmike no ka nui o kā lākou kūʻai ʻana. Mai hāʻule i kēia mau mea huna 10 e kōkua iā lākou e hoʻonui i kā lākou loaʻa kālā ma kāu uku:
1. ʻOi aku ka maikaʻi o ka hoʻolimalima ʻana i kahi timeshare ma mua o ke kūʻai ʻana i hoʻokahi: ʻAʻole pono ʻoe e lilo i mea nona ka timeshare e noho i nā hale hoʻomaha timeshare. Hiki iā ʻoe ke puke iā lākou mai nā pūnaewele hoʻopaʻa maʻamau e like me Booking.com. ʻOiaʻiʻo, ʻo ka hoʻolimalima ʻana i kahi ʻāpana timeshare hiki ke kūʻai pinepine iā ʻoe ma mua o ka uku makahiki inā loaʻa iā ʻoe. ʻOiaʻiʻo, ʻaʻole i ʻoi aku ke kumukūʻai o ke kumukūʻai no ka hoʻolimalima ʻana i kahi ʻāpana timeshare ma mua o kahi hōkele maʻamau a hale hoʻomaha paha. Eia hou, ʻaʻole e loaʻa iā ʻoe nā kapu, nā hoʻopaʻa a me nā koina o ka loaʻa ʻana o ka timeshare.
2. ʻO ka hoʻopau ʻana i kahi hōʻaiʻē timeshare hiki ke alakaʻi i ka banekorupa: ʻO nā hōʻaiʻē ma ka pūnaewele ma o nā panakō nui a me nā mea hāʻawi ʻaiʻē e maʻalahi maʻalahi ke uku no kekahi a i ʻole o kāu kūʻai timeshare āpau. Akā ʻoiai ka maʻalahi o ka hāʻawi ʻia ʻana o ka hōʻaiʻē, e like me ka paʻa ʻana e like me nā ʻaelike kālā i hoʻopuka ʻia ma UK. ʻOi aku ka kiʻekiʻe o ka APR ma mua o nā hōʻaiʻē "hoʻopaʻa ʻia" no ka mea ʻaʻole liʻiliʻi ka waiwai kūʻai hou o ka timeshare. ʻO nā uku mālama e like me ka paʻa. ʻO ka uku ʻole ʻana i kekahi o kēia mau kumukūʻai hiki ke alakaʻi i ka hana ma o nā ʻaha UK a hoʻopau i ka hopena i kāu helu ʻaiʻē a hiki ke loaʻa i nā hōʻaiʻē ʻē aʻe i ka wā e hiki mai ana.
3. Hoʻohana nā kānaka kūʻai Timeshare i ka huaʻōlelo 'investment': ʻAʻole ʻo Timeshare kahi hoʻopukapuka. ʻOi aku ka nui o kēlā me kēia peni āu e uku ai no ka hui ʻana, a i nā kumukūʻai hana ua pau loa. ʻO ka manawa lōʻihi i hala aku nei, ua hōʻike ʻia ʻo timeshare ma ke ʻano he hoʻopukapuka me he mea lā ua loaʻa iā ʻoe kahi ʻāpana o kahi waiwai. ʻO ka ʻoiaʻiʻo, ʻo nā mea āpau a ka lālā i kūʻai ai ʻo ia ka 'kuleana e noho hoʻololi'. ʻAʻohe waiwai kūʻai hou kēia. E ho'āʻo naʻe ka poʻe kūʻai Timeshare e hoʻohuli iā ʻoe me nā huaʻōlelo e like me 'life quality investment' a i ʻole ka hoʻopukapuka ʻana i kou manawa hoʻomaha ʻohana.' ʻAʻole naʻe kekahi o kēia mau waiwai kālā.
4. ʻO ke kūʻai ʻana i kahi timeshare hele mai me nā pilikia huna: ʻO ka hapa nui o nā ʻaelike timeshare e hele mai me kahi kuleana kālā i ka mea kūʻai aku e hoʻoponopono, a i ʻole ke kūkulu hou ʻana i ko lākou hale i ka wā e pōʻino ai. Pela no ka hapa o na pono like. Loaʻa ka ʻinikua maʻamau i ka uku makahiki, akā aia nā pōʻino ʻaʻole i uhi ʻia e ka ʻinikua resort. Laki wale nā pōʻino, akā ʻoi aku ka maʻamau o nā 'auhau kūikawā' no ka hoʻomaikaʻi ʻana i nā hale hana.
5. ʻAʻole ʻae ka luna ʻauhau i kāu pohō kālā: ʻAʻole like me ka waiwai paʻa, ʻaʻole hiki iā ʻoe ke hōʻike i nā poho e pili ana i kāu mau waiwai waiwai. ʻAʻole waiwai paʻa ʻo Timeshare, ʻaʻole pili i ka mea a kāu mea kūʻai aku e hoʻāʻo ai e kuhi, a ʻo ka waiwai kūʻai hou ʻaʻole ia. ʻO kēlā me kēia peni āu e uku ai no ka hui ʻana, ʻo ia nā kumukūʻai kūʻai. ʻAʻohe manawa e loaʻa ai ka loaʻa kālā, a he liʻiliʻi loa ka manawa e pale aku ai i ka lilo o kāu kālā. I ke kanaka ʻauhau, ua uku mua ʻoe no kekahi mau lā hoʻomaha.
6. I ka wā o ka hoʻohālikelike kālā, poina maʻalahi nā kumukūʻai holo a me nā huakaʻi: E hōʻike pinepine kāu mea kūʻai aku iā ʻoe i kahi pitch 'financial logic', kahi e hōʻike ʻia ai ke kumukūʻai o kāu mau lā hoʻomaha ma o ka lālā timeshare. Kākau ʻia ke kumukūʻai o kāu mau lā hoʻomaha i hoʻokahi kolamu a kaupaona ʻia me ka uku mālama ma ke kolamu ʻelua. Inā 'poina' ʻo ia e hoʻohui i nā koina huakaʻi a me nā koina huakaʻi ʻē aʻe i ke kolamu timeshare, e hōʻoia e hoʻopili i kēia mau mea iā ʻoe iho ma mua o ka loiloi ʻana i ka ʻaelike.
7). ʻAʻole kūʻai i kahi timeshare ma o kahi hōʻaiʻē i hoʻonohonoho ʻia e ka mea hoʻomohala: ʻAʻole hāʻawi nā panakō iā ʻoe i ka hōʻaiʻē waiwai, akā aia kekahi mau mea hoʻolako kālā e hana pū me nā hui timeshare e hāʻawi i ka nui o nā hōʻaiʻē sub-prime, unsecured loans. ʻAʻohe waiwai o Timeshare mai ka manawa āu e kūʻai ai. ʻO ia ke ʻano o ka hōʻemi ʻana i ka hōʻaiʻē, pono ka mea hāʻawi e hoʻonui i ka uku. Ua piha ka pūnaewele i nā moʻolelo weliweli o Brits nāna i kākau inoa no kahi hōʻaiʻē timeshare, me nā hopena e hoʻololi i ke ola. Inā ʻaʻole hiki iā ʻoe ke uku kālā, mai kūʻai ʻoe.
8. ʻAʻole hiki iā ʻoe ke hoʻihoʻi i kāu kaʻana manawa: Ma muli o ka lōʻihi o nā ʻaelike timeshare, pono e hoʻololi ka lā hoʻomaha o ka poʻe i ka manawa. Manaʻo ka poʻe nona ka nui o ke kālā no ke komo ʻana, a no ka uku nui ʻana o nā uku makahiki, inā e hoʻōki lākou i ka uku, e nalowale lākou i ko lākou lālā. ʻAʻole naʻe. ʻAʻole mālama nā hui Timeshare, ma ke ʻano holoʻokoʻa, inā makemake ʻoe i kā lākou huahana. Pono lākou i kāu uku makahiki a e hoʻokō i ka ʻaelike e uku iā ʻoe, inā ʻoe e hoʻohana i ka lālā a i ʻole
9. Na ka mea kūʻai aku e hōʻike iā ʻoe i ka lumi maikaʻi loa: He kūlana ʻokoʻa paha kou lumi, loaʻa nā lako like ʻole a ʻoi aku ka maikaʻi o ka nānā ʻana ma mua o ka mea i hōʻike ʻia iā ʻoe. E mākaukau no ke kūʻai ʻana aku i kahi mea ʻē aʻe ma mua o ka mea āu i ʻike ai, a koi aku e ʻike i ka ʻāpana āu e hana nei ma mua o ke kau inoa ʻana. A i ʻole inā ua ʻike ʻoe, e hōʻoia ʻoe ua ʻaelike ʻoe e kiʻi i ka mea āu i kūʻai ʻia ai.
10. Inā kūʻai ʻoe ma Sepania, ma ka lā 5 o Ianuali 1999 a i ʻole ma hope, aia ka manawa kūpono ʻole kāu ʻaelike: ʻOiai ke hopohopo nei kekahi poʻe nona nā kumu kūʻai kūʻai nui ma ke kumu kānāwai, no nā poʻe ʻē aʻe i mihi i ke komo ʻana i kahi timeshare he nūhou maikaʻi kēia. Inā he kānāwai ʻole kāu ʻaelike, ʻaʻole hiki iā ʻoe ke pakele wale i ka hoʻokō, akā e koi pū kekahi i ka uku nui mai kāu ʻoihana.
Ua ʻōlelo ʻo Andrew Cooper, Luna Nui o European Consumer Claims: "e like me ka nui o nā manaʻo hoʻoheheʻe honua, ua hoʻomaka ka timeshare me nā manaʻo nui i nā makahiki 1960. ʻO ka mea pōʻino, ʻoi aku ka nui o nā mea liʻiliʻi ma mua o ka nānā ʻana mai ia manawa a ʻo ia ke ʻano o ka ʻoi aku ka maikaʻi o ka hana no nā mea nona ka timeshare. Inā ʻo ka timeshare kahi mea āu i hoʻoholo ai e kūʻai, e ʻoluʻolu e komo me kou mau maka ākea.
He aha e lawe ʻia mai kēia ʻatikala:
- ʻO ka hapa nui o nā ʻaelike timeshare e hele mai me kahi kuleana kālā i ka mea kūʻai aku e hoʻoponopono, a i ʻole ke kūkulu hou ʻana i ko lākou hale i ka wā e pōʻino ai.
- ʻO ka manawa lōʻihi i hala aku nei ua hōʻike ʻia ʻo timeshare ma ke ʻano he hoʻopukapuka me he mea lā he ʻāpana o kahi waiwai.
- ʻO ka ʻoiaʻiʻo, ʻo ka hoʻolimalima ʻana i kahi ʻāpana timeshare hiki ke uku pinepine iā ʻoe ma mua o ka uku makahiki inā ʻoe iā ia.