Contents
- He aha ka hōʻaiʻē moraki
- ʻIke pono e pili ana i nā hōʻaiʻē moraki
- Nā pōmaikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē home
- Nā pōʻino o ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena
- Nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena
- Pehea e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena
- ʻAuhea kahi maikaʻi loa e loaʻa ai kahi hōʻaiʻē moraki?
- Nā loiloi loea i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi hale
- Nā nīnau a me nā pane kaulana
- He mea pono anei ke lawe i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena?
- Hiki iaʻu ke loaʻa kahi hōʻaiʻē home me ka hōʻaiʻē maikaʻi ʻole?
- Hiki paha ke loaʻa kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena me ka ʻole o ka loaʻa kālā?
- Hoʻopaʻa ʻia kahi hōʻaiʻē e kahi ʻāpana o kahi keʻena me ka ʻole o ka ʻae ʻana o nā mea ʻē aʻe?
Nui nā moʻolelo e pili ana i nā hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena ma ka Pūnaewele: makaʻu lākou ma kēia ʻano ʻo nā ʻoihana kālā e "ʻoki" maoli i ka waiwai, a paʻakikī loa ka hoʻolālā ʻana i hiki ʻole i nā mea hōʻaiʻē maʻamau me ka ʻole o ka hoʻonaʻauao kānāwai a i ʻole ka hoʻokele waiwai.
ʻOiaʻiʻo, e like me nā mea āpau e pili ana i ke kālā, ʻo nā hōʻaiʻē i hoʻopaʻa ʻia e kahi hale noho he wahi voluminous me nā nuances he nui. Inā ʻaʻole ʻoe ʻike i ka hana ʻana o ia mau hōʻaiʻē, hiki iā ʻoe ke hele i kahi hopena kālā. E kamaʻilio mākou e pili ana i nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi hale ma 2022, nā panakō e hoʻopuka iā lākou a kamaʻilio pū me kahi loea e pili ana i ka hiki ke loaʻa i nā mea kūʻai aku ka ʻae.
He aha ka hōʻaiʻē moraki
ʻO ka hōʻaiʻē home kahi hōʻaiʻē i hāʻawi ʻia e ka mea hōʻaiʻē i ka mea hōʻaiʻē me ka ukupanee. Kākoʻo ʻia nā kuleana o ka mea hōʻaiʻē me ia hōʻaiʻē e ka moraki o ka hale.
ʻIke pono e pili ana i nā hōʻaiʻē moraki
Laki hōʻaiʻē* | 19,5-30% |
He aha ka mea e hōʻemi ai i ka uku | ʻO nā mea hōʻoia, nā hoa ʻaiʻē, nā hana kūhelu, ke ola a me ka ʻinikua olakino |
Manaʻo hōʻaiʻē | a hiki i 20 makahiki (emi pinepine a hiki i 30 makahiki) |
makahiki o ka mea aie | 18-65 makahiki (emi pinepine 21-70 makahiki) |
ʻO nā keʻena e ʻae ʻia | ka wahi, ka helu o nā lumi a me nā papahele i loko o ka hale, ʻo ka mea nui ʻaʻole pilikia ka hale, hana nā kamaʻilio āpau |
Kau inoa | 7-30 lā |
Uku mua | E nānā! |
Hiki ke hoʻohana i ke kapikala makuahine a me ka ʻauhau ʻauhau | ʻAʻole |
Okoa mai ka moraki | Me kahi moraki, hāʻawi ʻia ke kālā no ke kūʻai ʻana i kahi waiwai kikoʻī, i ka hihia o kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena, hoʻoholo ʻoe i kahi e hoʻolilo ai i ka nui i loaʻa. |
* Hōʻike ʻia nā kumukūʻai maʻamau no ka hapaha II o 2022
Ke noi ka mea kūʻai aku i kahi panakō me kahi noi no kahi hōʻaiʻē, kahi ʻoihana kālā (ma ke ala, ʻaʻole hiki ke lilo i panakō wale nō!) Nānā i ka nui a ma lalo o nā kūlana e pono ai ka mea hōʻaiʻē. ʻO ke ala maʻalahi a wikiwiki loa e kiʻi i kahi kāleka hōʻaiʻē. Akā ʻo ka liʻiliʻi o ka huahana ʻo ia ka liʻiliʻi o ka hōʻaiʻē a me ka pono e uku koke i ka aie, inā ʻaʻole e hoʻomaka ka uku.
Hiki iā ʻoe ke hoʻohana i kahi hōʻaiʻē maʻamau. Hoʻopuka koke ʻia ka huina holoʻokoʻa, a hoʻihoʻi ʻoe i kēlā me kēia mahina. Eia naʻe, i mea e hāʻawi ai i ke kālā i ka mea kūʻai aku, pono e hōʻoia ka panakō i kona hilinaʻi. No laila, koi ʻo ia iā ʻoe e lawe mai i kahi palapala hōʻoia o ka loaʻa kālā, e ʻimi i nā mea hōʻoia, nā hoa hōʻaiʻē, a pēlā aku.
Hiki iā ʻoe ke hōʻike i kou hilinaʻi ma ka hāʻawi ʻana i ka waiwai ma ke ʻano he kolala. Eia kekahi laʻana, he hale noho. ʻO kēia ʻano waiwai ka mea i koi nui ʻia ma ke kahua o ka hōʻaiʻē paʻa. He mea palekana ka bail. ʻO ia hoʻi, ʻo ka mea hāʻawi kālā, e like me ia, e hōʻoiaʻiʻo iā ia iho i ka uku ʻole ʻia e ka mea kūʻai.
Inā ʻaʻole i uku ʻia ka hōʻaiʻē, e hoʻopaʻa ʻia ka panakō a i ʻole nā hui kālā ʻē aʻe ma lalo o nā kānāwai o ka Federation ma o ka ʻaha, a laila e waiho ʻia ke keʻena no ke kūʻai aku. ʻO ka lilo ʻana o kou home hoʻokahi he mea weliweli. Akā inā pili ʻoe i kahi mea hāʻawi kālā, ʻaʻole hiki iā ia ke kūʻai aku i ka hale o ka mea hōʻaiʻē. Maanei e pale ai ke kanawai i ka pono o ka mea aie a me ke kanaka. Eia hou, he mea pono no ka mea aie ke hoomau aku ka mea i ka uku, alaila, aole ia e hooponopono i na hana kanawai a me ka hooponopono hou ana.
Ua hoʻopaʻa inoa ʻia ka ʻōlelo hoʻohiki ma nā palapala a Rosreestr - mālama kēia ʻoihana i nā moʻolelo o nā waiwai i ko mākou ʻāina. ʻAʻole hiki ke kūʻai ʻia kēlā hale me ka ʻole o ka ʻae ʻana o ka mea hāʻawi. I ka manawa like, ʻaʻohe mea e kipaku aku i ka mea nona, ʻoiai ʻo ia e uku i ka hōʻaiʻē i ka manawa.
Nā pōmaikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē home
No kahi manawa lōʻihi. Hāʻawi ʻia kahi hōʻaiʻē maʻamau ma ka awelika no 3-5 mau makahiki. Hiki ke uku ʻia kahi hōʻaiʻē i hoʻopaʻa ʻia e ke keʻena a hiki i 25 mau makahiki inā ʻae ka panakō i kēia kūlana.
Hoemi i na koi no ke kii o ka mea aie. Ma mua o ka hoʻopuka ʻana i kahi hōʻaiʻē, hana kahi ʻoihana kālā i ka helu ʻana i kahi mea kūʻai aku, ʻo ia hoʻi, ʻike ʻo ia i kāna solvency. Ke nānā nei e ʻike inā he mau ʻaiʻē i loko o ka waihona o nā bailiffs (FSSP), nā hōʻaiʻē i uku ʻole ʻia, inā paha he lohi mua ma nā hōʻaiʻē, inā he hana mana. Hoʻopilikia maikaʻi ʻia kekahi o kēia mau mea i ka helu helu. Hiki i kahi hoʻohiki o kahi hale ke hoʻopau i kekahi o nā negativity, a no laila e hoʻonui i ka manawa o ka ʻae ʻia.
ʻOi aku ka nui o ka hōʻaiʻē. Ua hōʻoia ka mea hāʻawi iā ia iho i ka uku ʻole a hiki ke ʻae i ka nui o ka hōʻaiʻē ma mua o ka ʻole o ka hōʻaiʻē.
Hoʻoponopono hou a hoʻihoʻi kālā i kā lākou mau aie. E noʻonoʻo ʻoe ua hōʻiliʻili ka mea ʻaiʻē i nā kuleana he nui i nā panakō like ʻole a me nā mea ʻaiʻē ʻē aʻe. Hiki iā ia ke lawe i kahi kālā nui, uku i nā aie a pau me ka mālie hoʻokahi hōʻaiʻē.
Hiki iā ʻoe ke hoʻomau i ka noho ʻana i kahi keʻena. Hana hou i laila (ʻo ka mea nui e hana me ka ʻole o ke kūkulu hou ʻana i ke kānāwai), hoʻopaʻa inoa i nā mea hoʻolimalima a hoʻolimalima paha. Akā ua pāpā kekahi mau mea hāʻawi kālā i ka lawe ʻana i nā hale.
No kekahi kumu. ʻAʻole e nīnau ka mea hāʻawi i kāu mea e pono ai ke kālā.
Ma lalo o ka uku. Ma ka awelika, e 4% ma mua o kahi hōʻaiʻē me ka ʻole o ka hōʻaiʻē.
Nā pōʻino o ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena
Nā lilo hou. Loaʻa kēia hōʻaiʻē me ka uku. ʻO ka mea mua, no ka loiloi o ka hale. Aia nā hui kūikawā e hōʻuluʻulu i nā album loiloi. Hoʻouna lākou i kahi loea, nānā ʻo ia a paʻi kiʻi i ka pā, hale, puka komo, hale. ʻO ka hopena, hoʻoholo ia i ke kumukūʻai o ka hale. He 5-000 rubles ka lawelawe. ʻO ka lua o ka lilo no ka ʻinikua mea. Pono e hōʻoia ka mea hāʻawi kālā ʻaʻole e loaʻa kekahi mea i ka mea hōʻaiʻē.
ʻAʻole hiki ke kūʻai wale ʻia. ʻAʻole ʻae ka ʻōlelo hoʻohiki i ka mea nāna e hoʻopau piha i ke keʻena, i ʻole e kūʻai koke aku ka mea hōʻaiʻē i ka hale i ka manawa hoʻokahi me ka ʻole o ka ʻae ʻana o ka panakō. ʻAʻole makemake nā panakō i ka ʻae ʻana i ke kūʻai ʻana, me ke ʻano e hoʻohana koke ʻia ke kālā o ke kūʻai aku e uku ai i ka aie.
Hiki iā ʻoe ke nalowale i kou home. Inā ʻo kāu keʻena wale nō kēia a noho hoʻokahi ʻoe, a laila aia iā ʻoe ke kuleana āpau. Akā inā he ʻohana kou, ʻohana, a ʻaʻole hiki iā ʻoe ke uku i ka hōʻaiʻē, pono ʻoe e ʻimi i kahi hale no ka manawa pōkole.
ʻAʻole like ke kumukūʻai o ke keʻena me ka nui o ka hōʻaiʻē. Hāʻawi ka hōʻaiʻē i ka palena kiʻekiʻe o 80% o ke kumukūʻai o ka waiwai paʻa, ke hāʻawi ʻoe i nā hōʻike kālā, nā hoa ʻaiʻē, nā mea hōʻoia, a pēlā aku. Makemake ka mea hāʻawi e hōʻoia i ka wā o ka force majeure e hiki iā ia ke kūʻai koke aku i ka mea i mea e hoʻihoʻi ai i kāna mau koina.
Hoʻonui ʻia nā manawa hana. Ma ka awelika, mai ʻelua pule a hoʻokahi mahina.
Nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena
Nā koi o ka mea hōʻaiʻē
Nā makahiki 18-65. Hiki i nā mea hāʻawi kālā ke hoʻololi i nā palena o luna a me lalo. ʻAʻole hāʻawi ʻia ka poʻe ma lalo o 21 i nā hōʻaiʻē nui.
Makaainana o ka Federation a me ke kakau inoa, ie kakau inoa. Manaʻo ʻia nā haole, ʻaʻole naʻe nā panakō a pau.
Kahi mau o ka hana a me ka loaʻa kālā no nā mahina 3-6 i hala. ʻAʻole koi, akā makemake ʻia. A i ʻole, e ʻoi aku ka kiʻekiʻe o ka uku.
Pono Waiwai
ʻAʻole manaʻo ʻia nā hale noho:
- ma nā hale pilikia;
- ʻaʻole pilikino;
- Aia ma waena o nā mea nona nā keiki liʻiliʻi a i ʻole ke kino;
- ʻike ʻia ma ka hihia karaima ākea a i ʻole ke kumuhana o ka hoʻopaʻapaʻa ma ka ʻaha hoʻokolokolo.
Nā mea e makaʻala ai:
- hana ʻia;
- hale no ka hana hou;
- mahele i loko o ke keʻena;
- lumi i loko o ke keʻena hui;
- nā hale kahiko (me nā papahele lāʻau);
- i ka hopuia;
- ua hoʻohiki mua ʻia, no ka laʻana, ma lalo o kahi moraki;
- inā kākau inoa ʻia nā keiki, aia i waena o nā mea nona ka poʻe i hele i ka ʻoihana koa a i ʻole i loko o ka hale paʻahao;
- ua hoʻoili ʻia ke keʻena i kēia manawa;
- ua komo ka hale i ka papa inoa o nā hoʻoilina moʻomeheu;
- hale noho ma ZATO (nā kūlanakauhale paʻa i ka Federation, kahi e komo ai ma nā ala).
ʻO nā hale noho, nā hale noho, nā hale kaona e lawe ʻoluʻolu ʻia, akā aia ka waiwai kūʻai ma ka manaʻo o ka panakō.
Pono ka hale hoʻomehana, lako wai, uila. Hoʻokomo kekahi mau panakō i kahi kūlana ma ka hale. Eia kekahi laʻana, pono e loaʻa iā ia ma kahi o ʻehā mau keʻena a me ʻelua papahele.
- Pono ke keʻena i ka wai a aia ma ke kūlanakauhale a i ʻole ke kauhale kokoke i ke kūlanakauhale. Pono kēia i mea e loiloi pono ai i ke keʻena, a inā pono, kūʻai koke aku. No laila, ʻaʻole makemake nui nā hale noho ma nā wahi mamao mai nā kūlanakauhale, ʻo ia hoʻi, ʻaʻole i hoʻihoʻi ka mea hāʻawi kālā i kāna kālā i loko o ka manawa i manaʻo ʻia, wehewehe i nā koi no ka waiwai paʻa. Elvira Glukhova, Luna Nui o ka hui "Capital Center for Financing".
Pehea e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena
1. E hoʻoholo i kahi mea hāʻawi
A hoʻouna i kahi noi i ka panakō a i ʻole ʻoihana kālā no ka noʻonoʻo ʻana. I kēia manawa, lawa ka hōʻike ʻana i ka inoa piha, leo i ka nui o ka hōʻaiʻē i makemake ʻia a me ka mākaukau e hoʻolako i kahi hale ma ka bail. Hiki ke waiho ʻia ka palapala noi ma ke kelepona, ma ka pūnaewele (inā hāʻawi ʻia kēlā manawa kūpono) a i ʻole e hele mai i ka lālā.
ʻO nā panakō, ma ka awelika, i loko o ʻelua mau hola, e pane inā ua ʻae ʻia kāu noi a i ʻole hoʻolaha lākou i kahi hōʻole.
2. E hōʻiliʻili i nā palapala
Ke ʻae ʻia kāu noi, no ka loaʻa ʻana o ka ʻae hope, pono ʻoe:
- kope o ka passport me ka hoʻopaʻa inoa;
- noi kekahi mau mea hoʻolimalima i palapala ʻelua. No ka laʻana, TIN, SNILS, passport, laikini kaʻa, ID koa;
- palapala no ke keena. Pono lākou e hōʻike ʻo ʻoe ka mea nona. ʻO kahi ʻaelike kūʻai, kahi unuhi mai ka USRN e hana (ʻo ke ala maʻalahi loa ke kauoha iā ia ma ka pūnaewele o ka Federal Cadastral Chamber no 290 rubles a i ʻole kahi pepa ma ka MFC no 390 rubles). Inā loaʻa iā ʻoe ke keʻena ma ka hoʻoholo ʻana a i ʻole ma ka hoʻoilina, pono ʻoe i nā pepa kūpono;
- palapala hōʻoia o ka loaʻa kālā 2-ʻauhau loaʻa pilikino mai kahi o ka hana - ma kāu koho, hoʻonui i ka manawa o ka ʻae a me ka nui loa;
- palapala o na hoa aie. Ma ke kānāwai, ʻo nā hoa ʻaiʻē he mau hale hale ʻē aʻe (inā loaʻa) a i ʻole kāu hoa kāne. Inā ua hana ʻoe i kahi ʻaelike male me kahi notary, e like me ka mea hiki ʻole i ka wahine (a) ke hoʻokuʻu i ka hale, a laila lawe mai i ka palapala. Inā ʻaʻole makemake ka wahine e lilo i hoa hōʻaiʻē, pono ʻoe e kau inoa i nā pepa e pili ana i kēia me kahi notary.
- he hopena mai ka hui 'inikua e pili ana i ka mākaukau e hōʻoia i ke keʻena a me kahi album mai ka hui loiloi, e hōʻike ana i ke kumukūʻai o ka waiwai. E ʻoluʻolu e hana pū kekahi mau ʻoihana kālā me nā mea loiloi a me nā hui ʻinikua i ʻae ʻia e lākou.
3. E kali i ka hoʻoholo a ka mea hāʻawi
Manaʻo nā panakō i nā palapala mai ʻekolu lā a i hoʻokahi mahina. ʻOiaʻiʻo, ke ho'āʻo nei nā mea a pau e wikiwiki i ke kaʻina hana a hana i nā mea āpau i ka manawa pōkole, akā i ka ʻoiaʻiʻo hiki ke hoʻopaneʻe.
4. E kakau i ka hoohiki
Ua ʻae ʻia ka hōʻaiʻē? A laila aia ka pae penultimate ma mua o ka loaʻa ʻana o ke kālā. Pono ʻoe e kiʻi i kahi waihona no kahi keʻena. Hana ʻia kēia ma Rosreestr a i ʻole MFC. Ma hope o kēlā, ʻaʻole hiki ke kūʻai manuahi ʻia ke keʻena me ka ʻole o ka ʻae ʻana o ka mea moraki.
Hoʻomaʻamaʻa ikaika kekahi mau panakō i ka waiho ʻana i nā palapala me Rosreestr i ʻole e hoʻopau manawa i nā huakaʻi a me nā pila. No ka hana ʻana i kēia, pono ʻoe i kahi pūlima uila, ke kumukūʻai mai 3000 rubles. Uku kekahi mau ʻoihana kālā i nā mea kūʻai aku no ka hoʻokō ʻana i ia pūlima.
5. E kiʻi i ke kālā a hoʻomaka e uku i kāu hōʻaiʻē
Hoʻoili ʻia ke kālā i kahi waihona kālā a i ʻole i hoʻopuka ʻia ma ke kālā. Pono ʻoe e haʻi mua i kou makemake e loaʻa kālā, no ka mea, ʻaʻole hiki ke loaʻa ka nui i koi ʻia ma ka pākaukau kālā. Me ka ʻaelike hōʻaiʻē, hoʻopuka ʻia kahi papa hana uku. ʻO ka uku mua ma ka hōʻaiʻē paha i kēia mahina.
ʻAuhea kahi maikaʻi loa e loaʻa ai kahi hōʻaiʻē moraki?
kapa
Hāʻawi ikaika lākou i ka palekana o kahi keʻena. I ka manawa like, loaʻa iā lākou nā kūlana hōʻaiʻē koʻikoʻi loa, no ka mea ke kamaʻilio nei mākou e pili ana i kahi hoʻolālā kālā nui. Nui nā ʻoihana, ʻo ke aupuni pekelala nui a me ka ʻāina, ua mākaukau e lawe i ka waiwai paʻa i mea hōʻoia.
ʻO ka maʻalahi o kahi hōʻaiʻē panakō ma ke kaʻina noi. Hiki ke hana i nā mea a pau me ka hele ʻole ʻana o ke alo i ke keʻena inā hana ka hui me kēia ʻano. ʻO ia hoʻi, e kāhea i ke kikowaena kelepona a waiho i kahi noi ma ka pūnaewele. Inā ʻae mua ʻia, e hoʻouna i nā palapala ma ka leka uila i ka luna. I nā hihia koʻikoʻi, hiki ke hoʻopaʻa inoa i kahi waihona ma ka pūnaewele a loaʻa kālā ma kahi kāleka. ʻOiai hiki i ke ala kahiko - i kēlā me kēia manawa e hele mai i ka ʻoihana.
Loaʻa a me nā ponoʻole
Ka poʻe kālā kālā
I ka makahiki 2022, hiki i nā mea hoʻopukapuka - nā kānaka a me nā ʻoihana - ke hoʻopuka i nā hōʻaiʻē i hoʻopaʻa ʻia e ke keʻena i nā hui kānāwai a me nā ʻoihana pilikino no ka hoʻomohala ʻana i ka ʻoihana. Ma mua, ua hana pū lākou me nā kamaʻāina maʻamau - nā kānaka. Akā i loko o ko mākou ʻāina he nui nā pōʻino pilikino, i ka wā i "ʻoki ʻia" nā kānaka mai nā hale me ka hoihoi nui a me nā ʻōlelo o ka ʻaelike. No laila, pāpā ʻia i nā mea hoʻopukapuka kālā ke hāʻawi ʻaiʻē i ka palekana o kahi keʻena i nā poʻe pilikino.
Loaʻa a me nā ponoʻole
Nā ala hou aku
Ma mua, ua hāʻawi kālā nā pawnshops a me nā hui microfinance i ka palekana o nā hale. I kēia manawa ʻaʻole ʻae ʻia lākou e hana pēlā. ʻO nā CPC wale nō i koe - nā hui kūʻai kālā.
ʻO kā lākou poʻe hui - nā mea kuleana - hāʻawi i nā haʻawina mai kā lākou kālā i ka "pot maʻamau". I hiki i nā mea kuleana ʻē aʻe ke hōʻaiʻē kālā me kēia kālā. A mai nā mea hoʻopukapuka kālā e loaʻa i kā lākou kālā. Inā i hana mua ʻia nā CCP no nā pono o kahi pōʻai haiki o nā kānaka (ʻo ia mau kālā pōmaikaʻi), i kēia manawa ua laha a wehe ʻia i nā lālā hou. ʻO ka mea mua, i hiki iā lākou ke hōʻaiʻē. Ua ʻae ʻia nā CCP e hāʻawi i nā hōʻaiʻē moraki.
Loaʻa a me nā ponoʻole
Nā loiloi loea i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi hale
Ua noi mākou iā Elvira Glukhova, ko mākou loea mai Capital Center of Financing, e haʻi iā mākou e pili ana i kēia huahana me ka kikoʻī.
"ʻO kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai maoli he mea hana. A e like me nā mea kani, maikaʻi ma kekahi mau ʻano, a maikaʻi ʻole ma kekahi ʻano. ʻAʻole ʻoe e hamamali i nā kui me ka screwdriver, ʻeā? ʻO ka mea kūpono loa ka hoʻohana ʻana i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena i ʻelua mau hihia.
Ka uku ana i na aie o keia wa. No ka laʻana, ʻehā kāu mau hōʻaiʻē kālā + ʻelua kāleka hōʻaiʻē + ʻewalu microloans. ʻO ia mau kūlana i loko o ke ola, ʻaʻohe mea e hilahila ai. Hele mai ka hapa nui o kā mākou mea kūʻai me kēia pilikia. Lele ka mōʻaukala hōʻaiʻē i loko o ka hohonu, aia ke kanaka ma kahi o ka panakalupa ...
Ke lawe ʻoe i ka hōʻaiʻē mua a uku ʻia, ʻaʻohe pilikia. E lawe i ka lua, maikaʻi nō hoʻi. Lawe ʻoe i ke kolu - me he mea lā hiki ke ʻae ʻia, akā he lele liʻiliʻi i ka loaʻa kālā a hoʻomaka kēia mau hana a pau e pili. Pono wau e unuhi koke i ke kālā mai nā kāleka hōʻaiʻē a uku iā ia. A laila hele ʻoe i nā microloan e uku i nā kāleka hōʻaiʻē. He alanui i kahi ʻole.
Eia naʻe, hiki iā ʻoe ke lawe i kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa, hoʻemi i ka uku ʻekolu a ʻehā mau manawa, hoʻolōʻihi i ka hōʻaiʻē no 15 mau makahiki a ʻoi aku paha. A ʻo ia hoʻi ke komo ʻana i ka papahana a me ka uku mālie. ʻO ka mea nui ʻaʻole e lawe hou i nā hōʻaiʻē, inā ʻaʻole mākou e hoʻi i ke kūlana ma mua, ʻo ke keʻena wale nō i hoʻohiki ʻia.
Iā ʻoe he kanaka pāʻoihana. ʻoihana liʻiliʻi a ʻoihana hoʻokahi. Pono mākou i ke kapikala hana, no ka laʻana, no ke kūʻai ʻana i nā waiwai. Hoʻomaopopo ʻoe i loko o ʻeono mahina a i ʻole makahiki e kūʻai aku ʻoe i nā waiwai āpau a hiki iā ʻoe ke pani i ka hōʻaiʻē, a ʻo ka loaʻa kālā e uhi i nā kumukūʻai o ka uku hoʻolimalima. ʻOiaʻiʻo, aia ka pilikia ʻaʻole e kūʻai ʻia ka waiwai a i ʻole e hele hewa kekahi mea. Akā inā hilinaʻi ʻoe iā ʻoe iho a me kāu ʻoihana, a laila e lawe i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi hale - he ala maikaʻi kēia e loaʻa ai ka loaʻa kālā.
Akā inā makemake ʻoe e lawe i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena e lele ai i Dubai no kahi hoʻomaha, a ʻaʻole ʻoe i ʻike i ka lōʻihi o ka uku ʻana i kēia hōʻaiʻē, a laila mai lawe ʻoe i kekahi hihia. ʻO kēia ke ala i ka ʻaiʻē.
Nā nīnau a me nā pane kaulana
Pane i nā nīnau Elvira Glukhova, Luna Nui o ka hui "Capital Center for Financing".
He mea pono anei ke lawe i kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena?
Hiki iaʻu ke loaʻa kahi hōʻaiʻē home me ka hōʻaiʻē maikaʻi ʻole?
Ke hōʻaiʻē kūʻē i ka collateral, hiki iā ʻoe ke puʻunaue i kāu mōʻaukala aie i ʻehā mau ʻāpana:
● nui - ʻaʻohe lohi a ʻaʻole i ʻoi aku ka lōʻihi ma mua o ʻehiku lā.
● maikaʻi loa - aia nā lohi ma mua mai ʻehiku a 30 mau lā akā ʻaʻole ʻoi aku ma mua o ʻeono manawa i ka makahiki i hala. A i ʻole hoʻokahi lohi a hiki i 60 lā. I kēia manawa ʻaʻohe lohi. Ua hala aku ma mua o ʻelua mahina mai ka lohi hope loa.
● ʻawelike - aia nā lohi a hiki i 180 mau lā, akā i kēia manawa ua pani ʻia lākou, ʻoiai ua hala aku ma mua o 60 mau lā mai ka pau ʻana o nā lohi.
● ino Aia nā puka hāmama i kēia manawa.
Hiki paha ke loaʻa kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi keʻena me ka ʻole o ka loaʻa kālā?
ʻOiaʻiʻo, pili ke ʻano o nā loiloi i ka panakō āu e noi ai no kahi hōʻaiʻē. E noi ana nā hui kālā nui i nā hōʻike kālā loaʻa a i ʻole ka hōʻoia pololei ʻana o ka solvency, no ka laʻana, ka huli ʻana i nā moʻokāki ma kēia panakō. No nā mea ʻē aʻe, lawa ka hōʻoia waha ma ka helu kelepona o ka mea hana. Eia nō naʻe, inā ʻaʻohe ʻōlelo kālā a i ʻole ka hoʻololi ʻana i ka moʻokāki, a laila aia nō kahi panakō e ʻae iā ʻoe, akā ʻoi aku ka kiʻekiʻe o ka hōʻaiʻē.
ʻO ia mau kūlana ma muli o ka loaʻa ʻana o kāu ʻāpana, hiki iā ʻoe ke hoʻokaʻawale i kahi lumi kaʻawale. ʻO ia hoʻi, inā ʻaʻole e uku ka mea hōʻaiʻē, e hōʻiliʻili ka mea hoʻopukapuka pilikino i kahi ʻāpana no nā ʻaiʻē i ka ʻaha, a laila hiki iā ia ke hoʻokaʻawale i kahi lumi kaʻawale i loko o ke keʻena a ʻike ʻo ia nona. Ma hope o kēlā, e kūʻai aku ʻo ia i ke keʻena a uhi i nā kumukūʻai e pili ana i ka delinquency ma ka hōʻaiʻē. Akā he kiʻekiʻe loa ka uku pānaʻi ma ia mau hōʻaiʻē, hoʻomaka lākou mai 4% i kēlā me kēia mahina.
Inā makemake ʻoe i nā kūlana hōʻaiʻē maʻamau, e koi ʻia ka ʻae o nā mea hale hale āpau. Akā inā he kanaka ʻuʻuku a i ʻole ka mea nona ka mea nona (he pilikia noʻonoʻo a aia ma lalo o ke kiaʻi - Ed.), a laila ʻaʻohe mea e lawe i kāna ʻāpana i mea hoʻopaʻa.