Contents
- He aha ka moʻolelo hōʻaiʻē
- Nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole
- Pehea e loaʻa ai kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole i kēlā me kēia pae
- Nā ʻōlelo aʻoaʻo no ka loaʻa ʻana o kahi hōʻaiʻē me ka hōʻaiʻē maikaʻi ʻole
- Nā nīnau a me nā pane kaulana
- Kumuwaiwai o
ʻAʻole koi ʻia nā panakō, microfinance organizations (MFIs) a me nā hui ʻaiʻē e wehewehe i nā mea kūʻai aku i ke kumu i hōʻole ʻia ai kahi hōʻaiʻē. Akā hiki iā ʻoe ke lohe pinepine mai nā luna: "He moʻolelo hōʻaiʻē maikaʻi ʻole kāu." A laila hāʻule ke kanaka makemake i ke kālā i loko o kahi stupor.
ʻAʻole paha ʻo ia i lawe i nā hōʻaiʻē mai kēia kula, akā ʻike nā mea āpau iā ia. A i ʻole ua loaʻa iā ia nā hōʻaiʻē, uku ʻia i ka manawa hewa, a hiki i kēia. ʻO nā hewa kālā o ka wā i hala, ʻaʻole ia he ʻōlelo. E haʻi pū mākou iā ʻoe me ka poʻe loea pehea e loaʻa ai kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole ma 2022 i kā mākou alakaʻi i kēlā me kēia pae no ka poʻe heluhelu.
He aha ka moʻolelo hōʻaiʻē
ʻO ka mōʻaukala hōʻaiʻē (CI) kahi pūʻulu o ka ʻikepili i loaʻa ka ʻike e pili ana i nā hōʻaiʻē a pau i hoʻopuka mua ʻia a me nā hōʻaiʻē o kēia manawa o ke kanaka. Mālama ʻia ka ʻikepili i loko o ke keʻena o nā moʻolelo hōʻaiʻē - BKI. Pono e hoʻouna ʻia nā ʻike i loko o lākou e nā panakō, nā MFI a me nā hui ʻaiʻē.
Kanawai moolelo aie1 Ua hana ʻia mai ka makahiki 2004, akā hoʻohui mau ʻia a hoʻomaʻemaʻe ʻia. Hana lākou i mea maʻalahi no nā kānaka a me nā panakō. ʻAʻole ia he mea kupanaha, ʻoiai ʻoi aku ka nui o nā hōʻaiʻē e lawe ʻia nei. He mea nui i nā hui kālā ke loiloi pono i ke kiʻi o ka mea ʻaiʻē i mea e maopopo ai inā e hōʻaiʻē a hōʻole paha. A he ʻano palapala pilikino ka poʻe i hiki iā ʻoe ke loiloi i kāu mau aie.
Mālama ʻia nā moʻolelo ma ka BCI no ʻehiku makahiki - no kēlā me kēia hana hōʻaiʻē a mai ka manawa o kona hoʻololi hope. E noʻonoʻo ʻoe ua lawe hope ʻoe i kahi hōʻaiʻē i ka makahiki 2014, ua uku ʻoe i kāu aie no nā mahina ʻelua, a i ka makahiki 2022 ua hoʻi mai ʻoe e hōʻaiʻē. E nānā ka mea hāʻawi i kāu mōʻaukala aie akā ʻaʻole ʻike. ʻO ia ke ʻano ʻaʻole hiki iā ia ke hilinaʻi i ka mōʻaukala hōʻaiʻē a pono ʻo ia e hoʻoholo i nā kumu ʻē aʻe.
ʻO kekahi laʻana: ua lawe ke kanaka i kahi hōʻaiʻē ma 2020 a ʻae i ka lohi i nā uku. A laila ma 2021 ua loaʻa iaʻu kahi hōʻaiʻē hou. I ka makahiki 2022, ua huli ʻo ia i ka panakō no kahi hou. Ua hoʻouna ʻo ia i kahi noi i ka BKI a ʻike i kēia kiʻi: aia nā lohi, aia nō kahi hōʻaiʻē koʻikoʻi. Hiki i kahi keʻena kālā ke huki i kahi hopena nona iho: he pilikia ke hāʻawi kālā i kēlā mea ʻaiʻē.
ʻO ka hōʻaiʻē maikaʻi kahi huaʻōlelo pili. ʻAʻohe kūlana kūlike a me nā lula no ka mea ʻaiʻē e papa inoa ʻeleʻele ma muli o ka ʻikepili mai ka BCI, a me ka mea e hana pū ai. E ʻike kekahi panakō i ka lohi o kāna mea kūʻai aku i ka uku, he mau ʻaiʻē koʻikoʻi, akā ʻaʻole naʻe i manaʻo he koʻikoʻi nona iho a ʻae i ka hōʻaiʻē. ʻAʻole makemake paha kekahi ʻoihana kālā i ka ʻoiaʻiʻo ua hoʻopaneʻe kekahi kanaka i hoʻokahi manawa, ʻoiai inā ua uku ʻo ia i nā mea āpau.
Nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole
| Hiki i nā hui kālā ke nānā i ka mōʻaukala aie | Nā panakō, nā hui kālā liʻiliʻi (MFIs), nā hui hōʻaiʻē mea kūʻai aku (CPC) |
| He aha ka ʻike i hoʻokomo ʻia i loko o kahi moʻolelo hōʻaiʻē | Nā ʻikepili e pili ana i nā kāleka hōʻaiʻē a me nā kāleka overdraft, nā hōʻaiʻē koʻikoʻi a i uku hou ʻia no nā makahiki ʻehiku i hala iho nei, ka ʻike e pili ana i ka uku ʻole, nā ʻaiʻē i kūʻai ʻia i nā ʻohi ʻaiʻē, ka hoʻihoʻi ʻana i ke kānāwai |
| He aha ka mea e hoʻopau ai i ka mōʻaukala aie | ʻO ka hōʻole ʻana i ka hāʻawi ʻana i kahi hōʻaiʻē, ka hoʻopaneʻe ʻana i ka uku hōʻaiʻē, nā ʻaiʻē i uku ʻole ʻia i hōʻiliʻili ʻia ma o ka ʻaha e nā bailiffs (alimony, pili kālā, pohō) |
| ʻO ka mea i hōʻike pololei ʻole i ka mōʻaukala hōʻaiʻē maikaʻi ʻole | Noi pinepine iā BKI mai nā panakō a me nā MFI (ʻo ia hoʻi, makemake mau ke kanaka i ke kālā), nele i ka mōʻaukala hōʻaiʻē - ʻaʻohe paha i hāʻawi i nā hōʻaiʻē i ke kanaka, no ka mea, ua manaʻo ʻia lākou he mea ʻole. |
| Pehea e hoʻoponopono ai i ka mōʻaukala aie | Hoʻopau hou i nā aie i loaʻa, loaʻa i kahi kāleka hōʻaiʻē, komo i nā papahana hoʻomaikaʻi hōʻaiʻē panakō, wehe i kahi waihona a hoʻopukapuka kālā |
| Pehea ka lōʻihi e hoʻoponopono ai i ka hōʻaiʻē maikaʻi ʻole? | Mai ka hapalua makahiki |
| ʻO ka manawa o ka mālama ʻana i ka ʻikepili ma ka BCI | 7 makahiki |
Pehea e loaʻa ai kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole i kēlā me kēia pae
1. E ʻike i kāu mōʻaukala aie
Hiki iā ʻoe ke noi i ka mōʻaukala hōʻaiʻē manuahi ma kēlā me kēia BCI ʻelua ʻelua o ka makahiki ma ka pūnaewele a hoʻokahi hoʻokahi makahiki - kahi unuhi ma ka pepa. E uku ʻia nā noi ʻē aʻe - ma kahi o 600 rubles no ka lawelawe.
ʻEwalu mau BCI nui ma ko mākou ʻāina (eia ka papa inoa o lākou ma ka pūnaewele o ka Central Bank) a me kekahi mau mea liʻiliʻi. No ka ʻike pono i kahi i mālama ʻia ai kāu mōʻaukala, e hele i ka pūnaewele State Services. Ma ka ʻimi ʻimi, e kākau: "Nā ʻike e pili ana i nā ʻoihana hōʻaiʻē", a laila "No nā kānaka".
I loko o hoʻokahi lā - maʻamau i loko o ʻelua mau hola - e loaʻa mai kahi pane mai ka Central Bank. Hoʻopaʻa inoa ia i nā keʻena e mālama i kāu mōʻaukala hōʻaiʻē, kā lākou mau pilina a me kahi loulou i ka pūnaewele. Penei kona ano:
E hele i nā pūnaewele, kākau inoa a laila hiki iā ʻoe ke noi i kahi hōʻike. He palapala nui kēia - ʻoi aku ka lōʻihi a me ka waiwai o ka mōʻaukala hōʻaiʻē, ʻoi aku ka manaʻo. Loaʻa ka ʻōlelo like e pili ana i kahi mea hōʻaiʻē e nā hui kālā ke loaʻa kahi noi hōʻaiʻē.
Penei ke ano o ka hoike no ka moolelo aie o ka United Credit Bureau:
He ʻokoʻa paha ka hoʻolālā ʻana, akā like ke ʻano o nā mea a pau.
Hōʻike ka moʻolelo hōʻaiʻē i ka uku ʻana o ka mea kūʻai aku i nā makahiki ʻehiku i hala, inā he lohi paha, ma ia mahina a pehea ka lōʻihi.
2. E nānā i kāu helu ʻaiʻē
I mea e maʻalahi ai ka hoʻoholo ʻana o nā panakō, hāʻawi ʻia kēlā me kēia kanaka i hoʻopaʻa ʻia i loko o nā ʻoihana hōʻaiʻē. Kapa ʻia ʻo ia he Individual Credit Rating (ICR). Ana ʻia mai 1 a 999 mau helu. I kēia manawa ua hoʻohui ʻia ka pālākiō, ʻoiai hiki i nā BCI mua ke hoʻohana i kā lākou ʻōnaehana loiloi. ʻOi aku ka maikaʻi o ka mea ʻaiʻē no nā panakō.
Hiki ke nānā ʻia ka helu hōʻaiʻē ma 2022 no ka manuahi i ka helu ʻole o nā manawa. ʻO kēia ke ʻano o ka ʻōlelo hōʻaiʻē mai ka United Credit Bureau.
Hoʻopili ʻia ka pālākiō me ka akaka kiʻi koi. ʻO ia hoʻi, hana lākou i ka pakuhi a i ʻole, e like me nā laʻana, kahi ʻano speedometer me kahi koho. ʻĀpana ʻulaʻula - ʻo ia hoʻi ka helu ʻaiʻē haʻahaʻa a me ka mōʻaukala hōʻaiʻē maikaʻi ʻole. Melemele - nā hōʻailona maʻamau. ʻO ka'ōmaʻomaʻo a me kahi'ōmaʻomaʻo'ōmaʻomaʻo liʻiliʻi liʻiliʻi he mea maikaʻi nā mea a pau.
Inā ʻo kāu helu helu i loko o ka ʻāpana ʻulaʻula, ʻo ia hoʻi, ʻino kāu mōʻaukala aie a ʻaʻole maʻalahi ka loaʻa ʻana o kahi hōʻaiʻē.
nui
Aia nā hewa i ka helu hōʻaiʻē a me ka mōʻaukala aie. ʻIke hewa ʻole e pili ana i nā hōʻaiʻē a me nā hewa, nā noi i nā panakō āu i hana ʻole ai. I kekahi manawa hiki i ka hemahema ke uhi i ke kiʻi o ka mea ʻaiʻē. Hiki iā ʻoe ke wehe i ka ʻike hewa. No ka hana ʻana i kēia, ma 2022 pono e hoʻopili i ka panakō i hana i ka pololei ʻole, a i ʻole ka ʻoihana hōʻaiʻē pololei. I loko o ʻumi lā pono lākou e pane. ʻAʻole ʻae ka BKI ua hana hewa. A laila he kuleana ko ke kanaka e hele i ka ʻaha hoʻokolokolo.
3. Noi no ka aie
Loio a me ka loea loea o ka hui "Financial and Legal Alliance" Alexey Sorokin kamaʻilio e pili ana i kēlā me kēia o nā koho hōʻaiʻē a loiloi i kona kūleʻa no ka poʻe me ka mōʻaukala hōʻaiʻē maikaʻi ʻole.
kapa
Ka manawa e loaʻa ai kahi hōʻaiʻē: haʻahaʻa
ʻAʻole e lawe ka ʻoihana kālā nui i nā pilikia a hāʻawi kālā i kahi mea hōʻaiʻē pono ʻole. ʻOi aku ka poʻe i wehe i nā lohi i ka manawa e noi ai.
Manaʻo kōkua: inā hoʻoholo ʻoe e hoʻomaka me nā panakō, a laila mai hoʻouna i nā noi i nā mea āpau i ka manawa hoʻokahi. Hōʻike ʻia nā noi ma ka BCI. E ʻike nā panakō ua loaʻa nā noi nui ma laila - ʻaʻole kēia he hōʻailona maikaʻi no lākou. E koho i 1-2 mau panakō kūpaʻa loa. Malia paha nā wahi āu i lawe ai i kahi hōʻaiʻē a i ʻole i wehe ʻia kahi moʻokāki. E kali i ka pane mai iā lākou. Inā hōʻole, e noi i nā panakō ʻē aʻe.
Ua ʻae ʻia? Mai helu i nā huaʻōlelo maikaʻi. He kiʻekiʻe ka uku paneʻe, a he liʻiliʻi ka manawa uku.
Nā hui mea kūʻai kālā (CPC)
Loaʻa ka loaʻa ʻana o kahi hōʻaiʻē: awelika
Hoʻonohonoho ʻia nā hui like penei: hāʻawi nā mea kuleana i kā lākou kālā i kahi waihona maʻamau. Mai ia mea, hiki i nā mea kuleana ʻē aʻe ke lawe i nā hōʻaiʻē no kā lākou pono. Ma mua (ma ka USSR a me Tsarist Our Country), he mau lālā wale nō o kahi kaiāulu, hoʻokahi hui, i lilo i mau kuleana. I kēia manawa ua hoʻohana ʻia ka papahana like no nā kumu ʻē aʻe. No ka laʻana, ka ʻae ʻana i nā hoʻopukapuka kālā mai ka heluna kanaka a me ka hoʻopuka ʻana i nā hōʻaiʻē.
E like me kēia: hele mai ka mea hōʻaiʻē i ka PDA a ʻōlelo ʻo ia makemake e loaʻa kahi hōʻaiʻē. Hāʻawi ʻia ʻo ia e lilo i mea kuleana. ʻO ka manawa pinepine, no ka manuahi. I kēia manawa he lālā ʻo ia o ka hui, hiki iā ia ke hoʻohana i kāna kālā. Akā ma nā ʻōlelo e like me ka panakō - ʻo ia hoʻi, e uku i ka aie me ka uku.
E makaʻala i ke kamaʻilio ʻana i ka CCP. Hiki i kahi hui pono ʻole ke hana ma lalo o kēia hōʻailona. E nānā i ka inoa ma ka papa inoa o ka Central Bank2 Inā ʻae, he kānāwai nā mea a pau. Ma nā hui, ʻoi aku ka nui o ka pākēneka ma mua o nā panakō, akā ʻoi aku ka kūpaʻa i ka poʻe me ka mōʻaukala hōʻaiʻē maikaʻi ʻole.
Nā hui kālā kālā (MFI)
Ka manawa e loaʻa ai kahi hōʻaiʻē: ma luna o ka awelika
I ke ola o kēlā me kēia lā, kapa ʻia kēia mau hui "kālā wikiwiki". He kūpaʻa lākou i ka hapa nui o ka poʻe ʻaiʻē, akā ʻo ka haʻahaʻa, ʻo ia ka hāʻawi ʻia ʻana o ke kālā ma nā uku panee nui (a hiki i ka 365% o ka makahiki, ʻaʻole hiki ke hiki, e like me ka manaʻo o ka Central Bank.3). ʻO ka nūhou maikaʻi no ka poʻe me ka hōʻaiʻē maikaʻi ʻole ʻo ka hōʻole ʻia ʻana o nā MFI no nā kumu maikaʻi wale nō. No ka laʻana, inā hōʻole ka mea hōʻaiʻē e hōʻike i kahi passport. ʻAʻole koʻikoʻi ka mōʻaukala hōʻaiʻē maikaʻi no lākou.
Hale Paʻaiʻai
Ka manawa e loaʻa ai kahi hōʻaiʻē: kiʻekiʻe
ʻAʻole koi pinepine nā Pawnshops i kahi moʻolelo hōʻaiʻē, no ka mea, lawe lākou i kekahi mea pilikino i mea hōʻoia. ʻO ka pinepine, nā mea nani, nā mea hana, nā kaʻa.
4. E ʻimi i nā mea ʻē aʻe
Ke hōʻole ʻia kahi hōʻaiʻē ma muli o ka hōʻaiʻē maikaʻi ʻole, e makaʻala i nā ala ʻē aʻe e loaʻa kālā ai.
Kāleka kāki. ʻAʻole paha e ʻae ka panakō i kahi hōʻaiʻē, akā e ʻae i kahi kāleka hōʻaiʻē. E hoʻopaʻi ʻia ʻoe i ka uku ʻana i kāu aie a hoʻomaikaʻi i kāu mōʻaukala aie.
Overdraft. Hoʻopili ʻia kēia lawelawe i nā kāleka debit, ʻo ia hoʻi, nā kāleka panakō maʻamau. ʻAʻole loaʻa i nā panakō a pau kahi keʻena overdraft. ʻO kona kumu: ka hiki ke hele ma mua o ka palena o ke kālā ma ka moʻokāki. ʻO ia hoʻi, e lilo ke koena i mea ʻino. Eia kekahi laʻana, aia nā 100 rubles ma ke kāleka, ua kūʻaiʻoe no 3000 rubles a i kēia manawa ke koena -2900 rubles. ʻO nā overdrafts, e like me nā kāleka hōʻaiʻē, loaʻa nā uku ukupanee kiʻekiʻe. Pono e hoʻihoʻi ʻia i loko o kahi manawa pōkole, maʻamau i loko o hoʻokahi mahina.
Hoʻolimalima hou i nā hōʻaiʻē kahiko. I kekahi manawa, lilo ka moʻolelo hōʻaiʻē maikaʻi ʻole ma muli o ka nui o nā hewa, akā no ka nui o ka aie o ke kanaka. Makaʻu wale ka ʻoihana kālā ʻaʻole e huki ka mea kūʻai i kahi hōʻaiʻē ʻē aʻe. A laila, kūpono ke lawe i ke kālā e hoʻihoʻi i nā hōʻaiʻē, pani i nā aie ma nā panakō ʻē aʻe ma mua o ka hoʻonohonoho ʻana a noho me hoʻokahi hōʻaiʻē.
5. Eʻae i nā kūlana a pau o nā panakō
Hiki ke uku no ka mōʻaukala hōʻaiʻē maikaʻi ʻole:
- nā hoa ʻaiʻē a me nā mea hoʻohiki. ʻO ka mea nui, ua loaʻa iā lākou nā mea a pau me ka mōʻaukala hōʻaiʻē a ʻae nā kānaka e pani i ka hōʻaiʻē inā ʻaʻole ʻoe e uku;
- hoʻomaikaʻi kaulana a me nā papahana hoʻomaikaʻi moʻolelo hōʻaiʻē. ʻAʻole ma nā wahi a pau. ʻO ka laina lalo ʻo ka lawe ʻana o ka mea kūʻai i kahi hōʻaiʻē mai ka panakō ma nā ʻōlelo maikaʻi ʻole. Me ka uku nui loa, no ka manawa pōkole. Akā he wahi liʻiliʻi. Ke pani ʻia kēia aie, hoʻohiki ka panakō e ʻoi aku ka kūpaʻa iā ʻoe a ʻae i kahi hōʻaiʻē nui;
- hoolimalima. Loaʻa i nā panakō ke kuleana e ʻae i ka waiwai paʻa - nā hale noho, nā hale noho, nā hale ʻāina - ma ke ʻano he koʻikoʻi. Inā ʻaʻole hiki i ka mea ʻaiʻē ke uku, e kūʻai ʻia ka mea;
- Nā lawelawe hou aʻe. Hiki i ka panakō ke hoʻonohonoho i nā huaʻōlelo o ka hōʻaiʻē: hoʻomaka ʻoe i kahi kāleka uku me ia, wehe i kahi waihona, hoʻohui i nā lawelawe hou. ʻO ka mea maʻamau ka 'inikua: ke ola, ke olakino, mai ka haʻalele ʻana. Pono ʻoe e uku no kēia, mai ke kālā i hāʻawi ʻia ma ka hōʻaiʻē.
6. Ka hana banekorupa
Inā ʻaʻole lākou e hāʻawi i nā hōʻaiʻē a ʻaʻohe ala e hana ai me ka mea kahiko, hiki iā ʻoe ke hele i ke kaʻina hana banekorupa. ʻOiaʻiʻo, no nā makahiki ʻelima e hiki mai ana, i ka wā e noi ai i nā hōʻaiʻē, pono ʻoe e haʻi i nā panakō a me nā ʻoihana kālā ʻē aʻe ua banekorupa ʻoe. Me kēlā ʻano ʻoiaʻiʻo i ka biography, paʻakikī ke loaʻa i kahi hōʻaiʻē. Akā e hoʻopau ʻia nā ʻaiʻē ʻē aʻe, a i kēia manawa e pau loa ka moʻolelo hōʻaiʻē mai ka BCI - hiki ke noʻonoʻo ʻia ʻo ka hoʻomaka ʻana o ke ola mai ka wā kahiko.
Nā ʻōlelo aʻoaʻo no ka loaʻa ʻana o kahi hōʻaiʻē me ka hōʻaiʻē maikaʻi ʻole
He mea kūkākūkā akamai o ka "Financial and Legal Alliance" Alexey Sorokin papa inoa i nā mea e pale aku ai, inā hiki, i kahi kūlana e pono ai ʻoe e loaʻa i kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole.
- E lawe i kahi hōʻaiʻē hou e uhi i ka lohi ma kahi ʻano ʻē aʻe. ʻAʻole maikaʻi paha nā kūlana hou o ka panakō a i ʻole MFI. Eia hou, ke koe nei ka ukana aie.
- E hele i ka MFI. He 365% ka uku no ka makahiki, he uku nui no ka lohi iki, komisina no na lawelawe a pau. He pahele ʻaiʻē kēia ʻaʻole maʻalahi ke puka i waho.
- E lawe i nā hōʻaiʻē ma ka pūnaewele. ʻOiaʻiʻo, ʻo kēia nā MFI like. Akā ʻoi aku ka kiʻekiʻe o ka loaʻa ʻana o kāu ʻikepili pilikino. Eia kekahi, aia nā pūnaewele hoʻopunipuni: loaʻa iā lākou kāu scans o nā palapala, nā hōʻailona hōʻailona, a me lākou ua lawe lākou i kahi hōʻaiʻē no ʻoe.
- Hoʻokaʻaʻike i nā mea hoʻopili. Hāʻawi lākou e lawe i kahi hōʻaiʻē nui e pani i nā mea mua. Hoʻolimalima lākou i ka pākēneka no kā lākou lawelawe. ʻAʻole lākou hilahila i ka hoʻopunipuni ʻana i nā palapala e hōʻoiaʻiʻo ana i ka loaʻa kālā o ka mea ʻaiʻē e like me ka palapala panakō a me ka ʻauhau kālā pilikino 2. ʻAʻole hiki i kekahi ke "kūkākūkā" me ka panakō, koe wale nō ʻoe: ʻaʻole e kōkua nā intermediaries hōʻaiʻē maikaʻi ʻole. Hoʻokuʻu i nā hoʻolaha i hala e hoʻohiki e wehe iā CI.
Anton Rogachevsky, he limahana o ke kikowaena analytical o ke Kulanui ʻo Synergy, he loea i ka ʻoihana panakō, ua hāʻawi pū i kāna ʻōlelo aʻo.
- Hiki paha i nā panakō ke nānā aku iā ʻoe ma ke ʻano he mea hōʻaiʻē i ʻoi aku ka kūpaʻa inā he mea kūʻai kahiko ʻoe a ʻaʻole ʻoe i loaʻa i nā hewa koʻikoʻi ma mua.
E kamaʻilio e pili ana i ke kūlana hope ʻole, pono mākou e haʻi i nā ʻāpana o ka maikaʻi o ka hōʻaiʻē4. Hōʻike kēia hōʻailona i ka panakō i ke kiʻekiʻe o ka hōʻaiʻē ma ka hōʻaiʻē. Inā ʻo ka hōʻaiʻē ma ka ʻāpana V o ka maikaʻi a ʻike ʻia he ʻino, ʻo ia hoʻi, ʻaʻole ʻoe i hoʻihoʻi a hiki ʻole ke hana, ʻoi aku paha i ka wā e hiki mai ana, ʻaʻole paha ʻoe e loaʻa i kahi hōʻaiʻē ma nā wahi āpau. Me ka māhele IV, hiki iā ʻoe ke hoʻomaikaʻi i kāu helu ma ka hōʻike ʻana i ka hoʻopaʻi uku a hoʻonui i kāu pae kālā.
ʻO ke kanaka me ka ʻaiʻē maikaʻi ʻole e hana pinepine i nā hōʻole. Nui nā ala iā ʻoe:
- e hoʻouna i nā noi i nā panakō me ka manaʻolana e ʻoi aku ka kūpaʻa o kekahi ma kēia mea;
- pili i nā MFI e hoʻokuʻu ana i kekahi mau wahi maikaʻi ʻole ma nā kaʻa;
- hoʻopili i nā mea hoʻopukapuka pilikino.
Hiki ke hoʻoponopono ʻia ka mōʻaukala aie, akā ʻaʻole wikiwiki ke kaʻina hana. Ma ka awelika, e lawe ia ma kahi o 6-12 mahina e hoʻomaikaʻi i kāu mōʻaukala aie. I loko o kēia manawa, pono ʻoe e noʻonoʻo i ka hoʻopaʻi uku no kāu mau aie ʻē aʻe. Hiki iā ʻoe ke lawe i nā hōʻaiʻē liʻiliʻi a i ʻole e kūʻai i nā mea pono hale, kelepona, a pēlā aku. I ka manawa like, pono ke kū i ka manawa holoʻokoʻa o nā uku, a ʻaʻole e hoʻopau ma mua o ka papa kuhikuhi. ʻOiai ʻoi aku ka maikaʻi o ke kumukūʻai, e hoʻomaikaʻi nui ia i kāu helu aie ma ke ʻano he mea hōʻaiʻē.
Nā nīnau a me nā pane kaulana
pane Anton Rogachevsky, he limahana o ka Analytical Center o ke Kulanui "Synergy", he loea i ke kahua o ka panakō.
Ma hea kahi i nānā ʻole ʻia ai ka mōʻaukala aie?
Hiki ke hoʻololi i ka mōʻaukala aie?
ʻO kēia ka wehewehe ʻana o ka ʻAha Kiʻekiʻe (i ka lā Malaki 27, 2012 N 82-B11-6, ʻaʻole i hoʻolaha ʻia ma ka lehulehu, akā hōʻike pōkole nā puka kānāwai i kona ʻano.5).
ʻO nā hana a nā keʻena mōʻaukala hōʻaiʻē a pau e hoʻoponopono pono ʻia e ke kānāwai, a hiki i kekahi keakea kānāwai ke loaʻa nā hopena pōʻino. ʻO ke ala wale nō e wehe ai i kekahi mea mai ka mōʻaukala hōʻaiʻē ʻo ke hele ʻana i ka ʻaha, ma ke kumu e hiki ai ke hoʻoponopono a holoi ʻia paha ka moʻolelo. ʻO ka mea maʻamau, pili kēia hana i nā kūlana i hāʻawi ʻia iā ʻoe i kahi hōʻaiʻē "hema". Ma keia mau hihia, lawe ka Aha i ka aoao o ka mea hoopii; ma nā hihia ʻē aʻe, lawe pinepine ka ʻaha i ke kūlana o nā ʻoihana hōʻaiʻē.
Ma hea kahi ʻoi aku ka maikaʻi o ka lawe ʻana i kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole: ma kahi panakō a i ʻole MFI?
Kumuwaiwai o
- http://www.consultant.ru/document/cons_doc_LAW_51043/
- https://www.cbr.ru/search/?text=государственный+реестр+кредитных+потребительских+кооперативов
- https://www.cbr.ru/microfinance/
- https://base.garant.ru/584458/1cafb24d049dcd1e7707a22d98e9858f/
- https://www.garant.ru/products/ipo/editions/vesti/399583/12/
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