ʻO ka hōʻaiʻē i mālama ʻia e ka waiwai i 2022

Ma kā mākou mea, e kamaʻilio mākou e pili ana i kahi ʻano loan kaulana - kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai. E kamaʻilio e pili ana i nā kūlana ma 2022, nā panakō e hoʻopuka a kūkākūkā i kēia huahana me nā loea.

He aha ka hōʻaiʻē waiwai

ʻO ka hōʻaiʻē waiwai he hōʻaiʻē a ka mea nāna e hāʻawi aku i ka mea hōʻaiʻē ma ka uku panee, a lawe i ka waiwai paʻa i mea hōʻaiʻē.

ʻIke pono e pili ana i nā hōʻaiʻē waiwai

* Hōʻike ʻia nā kumukūʻai maʻamau no ka hapaha II o 2022

Hiki iā ʻoe ke noi i ka panakō no kahi hōʻaiʻē me nā manaʻo like ʻole o kāu solvency. No ka laʻana, lawe mai i kahi palapala uku uku mai ka mea hana (2-NDFL) a i ʻole e ʻimi i kahi mea hōʻoia - he kanaka nāna, inā ʻaʻole ʻoe e ʻae, ʻae e uku i ka aie. He mau pilina pili kālā maʻamau kēia: ke hilinaʻi nei kahi panakō a i ʻole nā ​​​​hui kālā ʻē aʻe iā ʻoe me kāna kālā. I ka hoʻihoʻi, makemake lākou e hōʻoia e uku ʻia lākou.

Hiki ke hoʻopaʻapaʻa ka waiwai paʻa i ka hāʻawi ʻana i kahi hōʻaiʻē. Ua kapa ʻia kēlā huahana kālā he "loan secured by real estate".

He ala kūikawā ʻo Pledge no ka mālama ʻana i nā kuleana. ʻO ke kuleana ma kēia hihia ʻo ka uku ʻana i ka hōʻaiʻē. ʻO ka mea kūʻai e lawe i kēlā ʻano hōʻaiʻē e ʻae e hoʻohiki i kāna waiwai i ka mea hāʻawi.

I ka manawa like, hiki iā ʻoe ke noho i loko o ke keʻena iā ʻoe iho a hoʻolimalima paha i nā mea hoʻolimalima, inā ʻaʻole i pāpā ʻia kēia e ka ʻaelike. Pēlā nō, me nā waiwai ʻē aʻe - nā hale noho, nā hale noho, nā hale kaona, nā hale kūʻai.

ʻAʻole manaʻo ka ʻōlelo hoʻohiki e hiki i kahi panakō a i ʻole hui kālā ke kūʻai aku i kāu mea i kēlā me kēia manawa a i ʻole e lawe iā lākou iho. Inā mākou e kamaʻilio e pili ana i nā hui kānāwai, ʻaʻole nā ​​scammers. Hana ʻia nā moʻolelo e like me kēia ke ʻaiʻē ka poʻe i nā hoʻolaha a nānā ʻole i nā pepa a lākou e kau inoa ai.

Inā ʻaʻole hiki i ka mea kūʻai ke uku i ka hōʻaiʻē, aia i ka panakō a i ʻole nā ​​​​hui kālā ʻē aʻe ke kuleana e kūʻai aku, ʻo ia hoʻi ke kūʻai aku i ka waiwai. E hele ke kālā e uku i ka aie. Ina e koe ana kekahi dala mahope o ke kuai ana, e haawi ia i ka mea nona ka waiwai mamua.

Nā pōmaikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē moraki

Hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē nui. No ka laʻana, 15-30 miliona rubles no ke kapikala he mea maoli maoli. Ma nā'āpana,ʻoiaʻiʻo,ʻoi aku ka haʻahaʻa o nā mea a pau. Eia naʻe, ʻo ka makemake e hoʻohiki i ka waiwai he kumu ikaika ia no nā mea hāʻawi.

E ʻoi aku ka kūpaʻa i ka mōʻaukala aie o ka mea ʻaiʻē. E like me kāu e ʻike ai, ʻike nā panakō a me nā ʻoihana kālā i ka hilinaʻi o ka mea kūʻai aku. No ka hana ʻana i kēia, hoʻohana lākou i nā bureaus mōʻaukala hōʻaiʻē, kahi e mālama ʻia ai ka ʻike e pili ana i hea, i ka manawa a me ka nui o ke kanaka i hōʻaiʻē mai nā ʻoihana kālā. Hōʻike ʻia nā lohi o ka uku ʻana ma laila. Akā, ʻoiai ua mākaukau ka mea kūʻai aku e hoʻohiki i ka waiwai paʻa, ʻo ia hoʻi ua hoʻopaʻa ikaika ka mea hāʻawi iā ia iho.

Hiki ke hoopuka 'ia ka aie no ka manawa loihi. Hoʻohālikelike ʻia me nā hōʻaiʻē maʻamau. ʻAe kekahi mau ʻoihana kālā iā ʻoe e uku a hiki i 25 mau makahiki.

ʻAno moraki. Pono e uku ʻia, ʻaʻole paha. Hiki ke hoʻohana ʻia kahi hōʻaiʻē home e kūʻai i hale hou.

No kekahi kumu. ʻAʻole nīnau nā mea hāʻawi i kāu mea e pono ai i kahi hōʻaiʻē. He mea nui kēia, no ka laʻana, no ka poʻe ʻoihana ponoʻī e pono ke kālā e hoʻomohala i kā lākou ʻoihana. Inā noi lākou i kahi hōʻaiʻē ma ke ʻano he hui kānāwai, a laila ʻoi aku ka kiʻekiʻe o ka hiki ke hōʻole, no ka mea he pilikia kēia no ka panakō.

Pilikia wale me kou waiwai. ʻAʻole "hoʻonohonoho" ka mea hōʻaiʻē i kekahi - inā mākou e kamaʻilio e pili ana i nā mea hōʻaiʻē. Ke makemake ʻoe i kahi kālā nui, a laila i ka hihia o nā hōʻaiʻē maʻamau, hiki iā ʻoe ke loaʻa nā hōʻaiʻē mai nā hui like ʻole, a ma muli o ka hopena, hiki iā ʻoe ke hoʻopau i ka hōʻaiʻē, hakakā i nā ʻohi, a nalowale kou inoa i waena o nā hoahana. Ma ka moraki ana i ke keena, e pilikia ana oe i kou waiwai wale no. Me ka ʻōlelo inā he ʻohana kou, a laila pono e hoʻoholo pono ʻia kēlā mau hoʻoholo.

ʻO ka mea hoʻohiki a me ka mea hōʻaiʻē he ʻelua mau kānaka ʻokoʻa. No ka laʻana, he waiwai paʻa kekahi kanaka, a makemake kekahi e lawe i kahi hōʻaiʻē. Hiki iā lākou ke hana pū.

Noho ka waiwai i kou waiwai. Hiki ke hoʻohana ʻia, hoʻolimalima ʻia (inā ʻaʻole kūʻē i ka ʻaelike hōʻaiʻē).

Nā mea kūpono i ka hopu ʻia. No ka laʻana, ua hōʻiliʻili ka mea hōʻaiʻē i kahi ʻaiʻē nui no ka hale a me nā lawelawe kaiāulu a i ʻole ua hala ʻo ia i ka uku ʻana i nā aie ʻē aʻe. I kēia hihia, ma ke noi a ka poʻe ʻaiʻē, aia i ka ʻaha ke kuleana e hopu i ka waiwai. ʻO kekahi mau hui hōʻaiʻē e ʻae i ka waiwai paʻa e like me ke koʻikoʻi, akā me ka mālama ʻana. E hoʻohana ʻia kahi ʻāpana o ka hōʻaiʻē a ka mea kūʻai aku e uku i ka ʻaiʻē e wehe i ka hopu ʻana.

Nā pōʻino o ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa

Hoʻolilo ʻinikua. ʻO ka waiwai āu e hāʻawi ai ma ke ʻano he hōʻaiʻē pono e hoʻopaʻa ʻia. Hana ʻia nā uku ʻinikua i hoʻokahi manawa i ka makahiki. Ma ka awelika, he 10-50 tausani rubles kēia - ke hilinaʻi nui nei ke kumukūʻai ma ka hale kikoʻī, kahi, ke kumu kūʻai o ka mea. Hiki i ka mea hāʻawi kālā ke noi e hoʻopaʻa i ke ola a me ke olakino o ka mea uku - i ʻole e hāʻawi lākou i kahi pākēneka kiʻekiʻe.

Pono ʻoe e uku no ka hana a nā mea loiloi. ʻAʻole hiki iā ʻoe a me ka mea hāʻawi kālā ke hoʻoholo pololei i ka nui o ka waiwai. Akā i ka hihia o kahi hōʻaiʻē, he mea nui ka waiwai o ka mea - ma nā ʻōlelo ʻē aʻe, kona waiwai a me ka hiki ke kūʻai aku. Inā makemake ka mea kūʻai aku e waiho i kahi keʻena i loko o kahi hale pilikia no ka wāwahi. ʻOiaʻiʻo, ʻaʻole hiki i ka mea hāʻawi ke kūʻai aku i ia mea inā loaʻa kekahi mea. No laila pono ʻoe e uku no ka loiloi. He 5-15 tausani rubles.

ʻAʻole hiki ke hoʻokuʻu wale aku i kā lākou waiwai. ʻO kekahi hemahema ʻo ia nā huaʻōlelo o ka hōʻaiʻē. Inā makemake ʻoe e kūʻai aku i kahi keʻena a i ʻole kekahi mea ʻē aʻe iā ʻoe iho, pono ʻoe e noi i ka ʻae mai ka mea hāʻawi aku i ʻae i ka waiwai i mea hōʻoia. E hōʻole paha ʻo ia. Ma hope o nā mea a pau, pehea i kēia hihia e hoʻoikaika i ka hilinaʻi o ka mea hōʻaiʻē? Hiki iā lākou ke ʻae i ke kūʻai aku inā uku ka mea kūʻai aku i ka ʻaiʻē i ka panakō me nā mea i loaʻa mai.

Ke pau nei ka manawa hou aku. No ka loaʻa ʻana o ia hōʻaiʻē, e waiho ma kahi o hoʻokahi a ʻelua paha pule, ʻoiai ʻoi aku ka lōʻihi o nā palapala a me nā kaʻina hana ma mua o ka maʻamau. ʻAʻole hiki iā ʻoe ke loaʻa kālā koke.

- Aia nā hemahema i ka ʻoiaʻiʻo he hale noho ka moraki. Akā hiki ke pilikia inā ʻaʻole uku ka mea kūʻai aku. A i ʻole, inā ʻaʻole hiki iā ia ke uku, a laila ʻaʻole ʻo ia e hana e hoʻoponopono i ke kūlana. ʻOiai ke hele nei ʻoe i ka "hoʻopaneʻe" i kēlā hōʻaiʻē, hiki iā ʻoe ke hoʻoholo i ka pilikia me ka ʻole o ka lilo ʻana o kāu waiwai, e ʻimi i kahi kuʻikahi me ka mea hāʻawi, - wahi a ʻO Almagul Burgusheva, ke poʻo o ka ʻoihana hoʻolimalima paʻa ma Finans.

Nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa

Nā koi o ka mea hōʻaiʻē

• ʻO ka makahiki o ka mea hōʻaiʻē mai 21 a 65 mau makahiki. No ka poʻe ʻōpio, ʻaʻole i hana ʻia kahi ʻokoʻa. No nā mea hoʻomaha loa pinepine.
• Hana. ʻAʻole pono ʻoe e hana maʻamau. A ʻaʻole pono e ʻike ʻole ʻia. Akā inā e hana ana ka mea kūʻai aku, ʻoi aku ka kiʻekiʻe o ka manawa o ka ʻae ʻana i ka hōʻaiʻē. Pono ʻoe e hana ma kahi hoʻokahi no nā mahina 3-6 i hala.
• Makaainana o ka Hui. Hana pū lākou me nā haole, akā ʻaʻole makemake.
• ʻO nā hoa ʻaiʻē. Inā he nui nā mea nona ka waiwai, pono lākou e lilo i mau hoa ʻaiʻē a hāʻawi i ka ʻae no ka hoʻohiki. Eia kekahi, inā ua male ʻoe, pono kāu hoa kāne e hoʻopiʻi pū. Hiki ke hoʻokuʻu ʻia kēia inā ʻoe e kau inoa i nā pepa ma kahi notary public (a i ʻole i hoʻopaʻa mua ʻia kahi ʻaelike male), akā aia kēia ma ka manaʻo o ka mea ʻaiʻē.

Pono Waiwai

- ʻO ke koi nui e hoʻopaʻa inoa ʻia ka waiwai ma ke ʻano he waiwai. A i ʻole, loaʻa i kēlā me kēia mea hōʻaiʻē nā pae hoʻohālikelike no ka waiwai paʻa. Manaʻo kekahi i ka mamao mai Moscow Ring Road ʻaʻole iʻoi aku ma mua o 50 km, ʻo kekahi e nānā i nā wahi āpau. Hiki i kekahi panakō ke hoʻopuka i kahi hōʻaiʻē no ke keʻena wale nō, ʻo kekahi no ke keʻena a me nā hale, a pēlā aku, - nā manaʻo ʻO Almagul Burgusheva.

Ua ʻōlelo mua mākou ʻaʻole hāʻawi ʻia kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa no kekahi mea. No laila, pono ʻoe e kauoha i kahi album loiloi mai kahi ʻoihana i ʻae ʻia. E kamaʻilio kākou e pili ana i nā koi.

Hale Kaila

ʻO ke ʻano koʻikoʻi kaulana loa. Eia kekahi, ua ʻae kekahi mau mea hāʻawi kālā e ʻae i nā hale noho ʻaʻole i ka mea ʻaiʻē, akā i nā ʻaoʻao ʻekolu. ʻOiaʻiʻo, inā lākou e hele ma ke ʻano he hoʻopaʻa. E lawe kākou i kekahi laʻana. Noho kekahi ʻohana ʻōpio me ko lākou mau mākua a makemake lākou i ko lākou hale ponoʻī. ʻAʻole makemake nā mākua e hōʻaiʻē a ʻaʻole hāʻawi ʻia iā lākou ma muli o ko lākou ʻelemakule. Akā, ʻae lākou inā e moraki nā kāne hou i ko lākou hale noho.

He wai ka hale, ʻo ia hoʻi, hiki ke kūʻai ʻia ma ke kumukūʻai makeke i kēlā me kēia manawa. He mea nui kēia no kahi panakō. ʻOiaʻiʻo, ʻaʻole pono e kau ʻia ma kahi ʻē aʻe. Lawe lākou i nā mea i loko o nā hale pilikia ʻole, ʻaʻole no ka wāwahi. ʻAʻohe kūkulu hou ʻana i ke kānāwai. Ua makaʻala lākou i nā keʻena i loko o nā hale me nā papahele lāʻau a loaʻa ke kūlana o kahi monument kūkulu hale.

ʻAʻole ʻoi aku ka nui o ka hōʻaiʻē ma mua o 60-80% o ka waiwai o ka hale moraki. E hāʻawi ʻia kahi mea hou aʻe ma ka hihia o ka hōʻoia a me ka hana oihana.

Ma ke ala, hiki iā ʻoe ke waiho i kahi lumi i loko o kahi keʻena communal. 

Hoʻolālā

ʻO kahi ʻano waiwai hou i ko mākou ʻāina, e ulu ikaika nei i nā kūlanakauhale nui. ʻO ka mea maʻamau, he waiwai ʻole kēia, akā ʻaʻohe mea pāpā e noho i loko. ʻAʻole hiki iā ʻoe ke loaʻa kahi palapala noho ma laila, ʻaʻole lākou e hāʻawi i nā moraki koho, ʻaʻole hiki iā ʻoe ke hoʻemi ʻauhau mai kahi kūʻai. Akā inā ʻo ʻoe ka mea nona nā hale, hiki iā ʻoe ke hāʻawi iā lākou i mea hōʻaiʻē no kahi hōʻaiʻē.

ʻOi aku ka liʻiliʻi o nā hale noho ma mua o nā hale ma kahi like ma nā hale like. Akā ʻo kā lākou pōmaikaʻi he mea hou lākou, ʻo ia hoʻi he wai a loaʻa kā lākou waiwai kālā.

Nā halepule

Ma ke ʻano maʻamau, ʻo nā hale kaona he ʻano hanohano o ka waiwai o ke kūlanakauhale. Ua ʻae ʻia lākou ma ke ʻano he hōʻaiʻē, akā inā pili ka hale i ke kānāwai, aia nā palapala āpau - hiki mai nā hana hewa ʻole me nā hale ʻae ʻole.

Nā koi no ka hale kaona: ua hoʻokaʻawale ʻia ke keʻena i kahi poloka kaʻawale me kahi komo pilikino. No ka mea nona ka ʻāina i mua ona.

Nā hale noho

Inā mākou e kamaʻilio e pili ana i kahi hale noho a me nā waiwai ʻē aʻe o ke kaona, a me nā hale kūʻokoʻa o ke kūlanakauhale, ua lawe pū ʻia lākou ma ke ʻano he koʻikoʻi. ʻOi aku ka paʻakikī me nā hale māla ma SNT, no ka mea ʻaʻole hiki i ka mea hāʻawi ke kūʻai koke aku iā lākou, a ʻoi aku ka liʻiliʻi. A i ʻole, pili nā lula a pau e like me nā hale noho, a me kekahi mau pae hoʻohālikelike.

• Hiki iā ʻoe ke noho i ka hale a puni ka makahiki. A hiki iā ʻoe ke loaʻa iā ia i kēlā me kēia kau.
• ʻAʻole i ke kūlana pilikia.
• Hoʻopili ʻia ka uila iā ia, aia ka hoʻomehana (gas a i ʻole uila), lako wai.
• ʻAʻole kū ka hale ma ka ʻāina o nā wahi kūlohelohe a i mālama ʻia paha.

Pehea e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa

1. E koho i kahi panakō a i ʻole ʻoihana kālā

Hiki ke hoʻouna ʻia ka palapala noi ma ka pūnaewele – ma o ka pūnaewele o ka hui, waiho ʻia ma ke kikowaena kelepona i ka mea hoʻohana a hele pilikino paha i ke keʻena. Pono ka hana mua i kou inoa, lā hānau, nā kikoʻī pili. Eia kekahi, e noi ʻia ʻoe e haʻi i ka nui āu e noi nei. E nīnau pū lākou e pili ana i kāu ʻano waiwai.

Ma hope o kēlā, e hoʻomaha iki ka panakō a i ʻole ke kālā: ʻoiaʻiʻo mai ʻumi mau minuke a i ʻelua mau hola. ʻO ka hopena, e hoʻopuka ʻia kahi ʻōlelo hoʻoholo - ua ʻae ʻia a hōʻole ʻia ka noi.

2. E hoʻomākaukau i nā palapala

Inā hele mai ʻoe i ke keʻena, hiki iā ʻoe ke hōʻiliʻili koke i kahi hoʻonohonoho o nā pepa pono. Ua noi mamao ʻoe? Malia paha e ʻae ka mea hāʻawi kālā e noʻonoʻo i nā scan o nā palapala ma ke ʻano uila. Pono ʻoe:

• passport me kahi ʻae noho (hōʻailona inoa);
• ka lua o ka palapala (kakaʻikahi i nīnau ʻia) – SNILS, TIN, passport, penikala, laikini kaʻa;
• he palapala hōʻoia o ka loaʻa kālā, kahi kope i hōʻoia ʻia o kahi puke hana, kahi leka hoʻomaopopo i ke kūlana o kahi moʻokāki pilikino i loko o kahi waihona penikala - ma ʻaneʻi kēlā me kēia ʻaiʻē i kāna mau koi ponoʻī. Hāʻawi kekahi i nā hōʻaiʻē me ka ʻole o ka hōʻoia ʻana i ka loaʻa kālā a me ka hana, akā ma ka pākēneka kiʻekiʻe;
• he palapala e hooiaio ana i ke kuleana o ka waiwai paa. Hiki i kēia ke lilo i ʻaelike kūʻai, kahi unuhi mai ka USRN no kahi keʻena a ʻāina paha, kahi palapala hoʻoilina, ʻaelike hāʻawi a i ʻole ka hoʻoholo ʻaha hoʻokolokolo - nā mea a pau e hōʻoiaʻiʻo ana: ʻo ʻoe ka mea nona a hiki ke hoʻopau i ka mea;
• no nā hale noho, e noi lākou i kahi unuhi mai ka puke hale a i ʻole kahi palapala hale hoʻokahi - hōʻike lākou i ka nui o nā poʻe i hoʻopaʻa inoa ʻia ma ke keʻena;
• inā ua male ʻoe a ʻaʻole makemake kāu kāne e lilo i hoa hōʻaiʻē, akā ʻaʻole kūʻē i ka hoʻohiki ʻana i ke keʻena, pono ʻoe i kahi ʻae notarized. He kūpono hoʻi kahi ʻaelike prenuptial, e ʻōlelo ana ʻaʻole hiki i ka wahine (a) ke hoʻopau i kēia waiwai. Hiki i ka mea hāʻawi kālā ke noi aku i ka mea nona ka palapala hōʻoia notari ʻaʻole male ka mea nona ka waiwai i kāna kūʻai ʻana. I ka hihia hope, i kekahi manawa hiki ke loaʻa me ka notary - ma ka manaʻo o ka mea ʻaiʻē.

E ʻimi i kahi hui loiloi e hana i kahi album appraisal. Hiki iā ʻoe ke hana i kēia ma mua inā ʻoe e wikiwiki e hāʻawi i nā palapala āpau i ka lā hoʻokahi. Akā e makaʻala: ʻo ka pinepine o nā panakō a me nā ʻoihana kālā e hana wale me nā ʻoihana i ʻae ʻia e lākou.

ʻO kekahi palapala koʻikoʻi ʻo ia ka ʻinikua waiwai. Hiki iā ʻoe ke loaʻa kahi manaʻo mai ka hui ʻinikua ma mua e ʻae ʻo ia e lawe i kāu mea a me kāu bila no ka lawelawe. A eia hou, e makaʻala - i ka hana ʻana me nā mea hāʻawi ʻinikua he koho pū kekahi.

3. E kali i ka ʻae ʻia o ka noi

A i ʻole hōʻole. E hoʻomanaʻo e hiki iā ʻoe ke hoʻāʻo me kahi mea hāʻawi ʻē aʻe a i ʻole e kūkākūkā hou me kēia. Eia kekahi laʻana, helu ka mea hōʻai'ē i hoʻokahi kālā i hoʻopaʻaʻia e ka waiwai paʻa, akā uaʻae ka mea hāʻawi i kahi mea liʻiliʻi, aiʻole i kona manaʻoʻaʻole e huki ke kanaka i nā uku mahina. Akā inā loaʻa iā ʻoe nā mea hōʻoia, lawe i nā palapala hōʻoia kālā, hoʻopili i nā mea hōʻaiʻē, a laila hiki ke ʻae ʻia ka hōʻaiʻē.

ʻO ka manawa kūpono o ka noi i'āponoʻia e hoʻoholoʻia e ka mea'ai'ē pono'ī. ʻO ka maʻamau he hoʻokahi a ʻekolu mahina. Ma hope o ke kaʻina hana a pau e hele hou. Eia nō naʻe, inā ʻoe e ʻimi nei i nā kūlana hōʻaiʻē maikaʻi loa i hoʻopaʻa ʻia e ka waiwai, e loaʻa iā ʻoe nā palapala pono āpau ma ka lima a hiki iā ʻoe ke noi i nā ʻoihana kālā ʻē aʻe.

4. E kakau i ka hoohiki

Ma Rosreestr - aia kēia keʻena ke kuleana no ka helu ʻana i nā waiwai paʻa i ka ʻāina - pono e loaʻa kahi moʻolelo i kau ʻia kahi encumbrance ma ka waiwai. Mai kēia manawa, ʻaʻole hiki i ka mea nona ke kūʻai aku i ka mea a hoʻopunipuni i ka mea ʻaiʻē.

No ke kākau inoa ʻana i kahi hoʻohiki, pono ʻoe e hele i ka MFC a i ʻole Rosreestr. I kekahi manawa hiki iā ʻoe ke hana me ka ʻole o ke kipa maka. Hoʻohana ikaika nā ʻoihana kālā i nā pūlima uila a hoʻomaʻamaʻa i ka waiho mamao ʻana i nā palapala. Hiki iā ʻoe ke hoʻopuka i kahi pūlima uila iā ʻoe iho, a inā ʻaʻole ʻoe i ʻike i hea a pehea, e haʻi aku ka mea hāʻawi iā ʻoe. Ua uku ʻia ka pūlima, ma ka awelika 3-000 rubles. Hāʻawi kekahi mau mea hōʻaiʻē i kā lākou mea hōʻaiʻē.

5. Loaʻa kālā

Ma hope o ke kau inoa ʻana i ka ʻaelike, hiki iā ʻoe ke noi i ke kālā ma ke kālā a i ʻole ma ka hoʻoili ʻana i kahi waihona waihona. E hoʻopuka pū ka panakō i kahi papa hana uku. Pono paha e uku mua ʻia i ka mahina o kēia manawa.

ʻAuhea kahi maikaʻi loa e loaʻa ai kahi hōʻaiʻē moraki?

kapa

ʻO ka koho kaulana loa. ʻO nā hōʻaiʻē i hoʻopaʻa ʻia e nā hale noho, nā hale noho, nā hale a me nā hale kaʻa e hoʻopuka ʻia e nā hui mai luna o ka Central Bank (nā hui nui loa e pili ana i ka helu o nā mea kūʻai aku a me nā waiwai) a me nā hoa hana "haʻahaʻa". No ka laʻana, nā panakō kūloko.

Hoʻomaʻamaʻa loa nā panakō i ka loiloi ʻana i ke kiʻi o ka mea ʻaiʻē. Nānā maikaʻi lākou i nā palapala, a hiki i ke kaʻina hana ʻae noi ke lawe i hoʻokahi pule a ʻoi aku paha. ʻAʻole hiki i nā panakō ke ʻae i ka hoʻoholo ʻana i ka nui o ka hōʻaiʻē. He ʻoihana nui kēia e makemake ana e hōʻoia iā ia iho inā ʻaʻole e uku koke ka mea ʻaiʻē.

E hoʻomākaukau i ka hoʻolaha ʻana i ka panakō e hoʻowalewale iā ʻoe me ka uku hoʻokahi ma kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa, a i ka wā e nānā ai i kāu mau palapala, e hāʻawi ʻo ia i kahi kiʻekiʻe. No ka hōʻemi ʻana iā ia i kekahi mau helu, e hāʻawi lākou e lilo i mea kūʻai aku i kā lākou uku uku a kūʻai paha i kahi ʻinikua hou mai nā hoa.

Ka poʻe kālā kālā

Aia nā hui a me nā mea hoʻopukapuka pilikino e hāʻawi i nā hōʻaiʻē. Ua koi ʻia mākou e ʻōlelo no 2022 he wahi "hina" kēia e pili ana i ke kānāwai o ia mau hōʻaiʻē. Ma ko mākou ʻāina, pāpā ʻia nā mea hoʻopukapuka pilikino e hoʻopuka i nā hōʻaiʻē i nā poʻe i hoʻopaʻa ʻia e ka waiwai. ʻO ka ʻoihana wale nō (IP a i ʻole LLC).

Eia naʻe, ʻike ʻia nā loopholes ma ke kānāwai. Eia kekahi, ma ka ʻaoʻao o ka hoʻopunipuni me ka hoʻopaʻa inoa ʻana o nā hui kānāwai fictitious. A i ʻole kākau hou lākou i ka waiwai o ka mea ʻaiʻē ma luna o lākou iho, e alakaʻi hewa ana iā ia.

Inā hoʻoholo ʻoe e lawe i kahi hōʻaiʻē mai kahi mea hoʻopukapuka i hoʻopaʻa ʻia e ka waiwai paʻa, e ʻoluʻolu e kūkākūkā me kahi loio kūʻokoʻa i hiki iā ia ke heluhelu i ka ʻaelike no nā "manaʻo huna" a kōkua iā ʻoe i ke kālepa. 

Nā ala hou aku

Ma ko mākou ʻāina, aia nā CPC - nā hui hōʻaiʻē a me nā mea kūʻai aku. Loaʻa iā ia nā mea kuleana - ma ka ʻōlelo ʻana, nā poʻe i hoʻolilo i kā lākou kālā i loko o kahi wai maʻamau i hiki i nā mea kuleana ʻē aʻe, inā pono, ke hoʻohana iā lākou. ʻOiaʻiʻo, ʻaʻole no ka "hoʻomaikaʻi", akā ma nā ʻōlelo ʻoluʻolu. E ʻoluʻolu, aia nā CCP kānāwai ma ka papa inoa o ka Central Bank.

ʻO kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai ma ka CPC e hana like me kēia. Lilo ka mea kūʻai i kāna mea kuleana. Noi ʻo ia i hōʻaiʻē. ʻAe a hōʻole paha ka hui. Ua like nā mea a pau i loko o kahi panakō, akā ʻaʻole koi nā CCP i ke ʻano o ka mea hōʻaiʻē a ʻae wikiwiki i ka hōʻaiʻē. Akā, ua hoʻonohonoho ʻia kahi pākēneka kiʻekiʻe (ʻaʻole hiki ke kiʻekiʻe ma mua o ka manaʻo o ka Central Bank). Ke pili nei kekahi mau panakō "koʻikoʻi" i nā uku lohi.

Ma mua, ua kapa ʻia nā MFI (nā hui microfinance i kēlā me kēia lā he "kālā wikiwiki") a hiki i nā pawnshops ke hāʻawi i nā hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa. I kēia manawa ʻaʻole ʻae ʻia lākou e hana pēlā.

ʻO nā loiloi o ka poʻe loea e pili ana i kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai paʻa

Ua nīnau mākou ʻO Almagul Burgushev, ke poʻo o ke keʻena hoʻolimalima paʻa o ka hui Waiwai kaʻana like i kou manaʻo e pili ana i ka lawelawe.

"ʻO nā hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai maoli ke loaʻa nei ka manawa i kēlā me kēia makahiki. Ua hoʻomaka ka poʻe e hoʻomaopopo he waiwai maoli kēia: ʻoi aku ka haʻahaʻa o nā kumukūʻai ma mua o ka hōʻaiʻē mea kūʻai aku, ua hoʻonui ʻia ka manawa a hiki i 25 mau makahiki. ʻAʻohe manaʻo kuhihewa e pili ana i ka pōʻino o ia hōʻaiʻē. Lawe nā mea kūʻai i kahi hōʻaiʻē e, no ka laʻana, pani i kā lākou ʻelima a ʻumi mau hōʻaiʻē ʻē aʻe. Ma hope o nā mea a pau, ʻoi aku ka maikaʻi o ka uku ʻana ma ka panakō hoʻokahi. ʻO ka nui o ka hōʻaiʻē nui i hoʻopaʻa ʻia e ka waiwai paʻa hiki ke hiki i ka 80% o ka waiwai o ka mea.

Hoʻohana lākou i kēlā mau hōʻaiʻē e wehe i kā lākou ʻoihana ponoʻī a kākoʻo paha i kahi ʻoihana pilikino. Aia kekahi mau ʻano pōʻino ʻē aʻe i ka wā e pono ai ka nui o ka nui no ka hana ʻana e nā ʻohana.

ʻOiaʻiʻo, hiki iā ʻoe ke kūʻai aku i kahi keʻena, akā inā maopopo ke kanaka hiki iā ia ke uku, no ke aha e hoʻohana ʻole ai i kahi hōʻaiʻē? Hiki iā ʻoe ke kūʻai aku, ʻoiai inā ʻoe i lawe i kahi hōʻaiʻē paʻa a hiki ʻole ke uku. He kūpono kēia ʻano hōʻaiʻē no ka poʻe i ʻike pono i nā kumu e uku ai lākou i ka hōʻaiʻē.

No ka poe aie. ʻO nā panakō he manawa hōʻaiʻē lōʻihi a me ka uku haʻahaʻa. Akā ʻoi aku ka lōʻihi o ka noʻonoʻo ʻana i ka noi a ʻoi aku ka koi o ka mea hōʻaiʻē, ka mōʻaukala aie, ka hana. Manaʻo pinepine ka mea kūʻai aku inā hoʻohiki ʻo ia i kona hale noho, a laila ʻaʻole pono ka panakō e nīnau iā ia i nā nīnau pono ʻole. Eia nō naʻe, ke nānā pono nei ka panakō i ka mea hōʻaiʻē, ʻaʻole pili i ka nui o kāna keʻena.

Ua ʻoi aku ka kūpaʻa o nā hui kālā (CPC) i nā mea kūʻai aku, akā ʻoi aku ka kiʻekiʻe o nā uku ma mua o nā panakō. ʻO nā mea hoʻolale kālā pilikino e like me ke kūpaʻa. Akā, ʻaʻole ia he manaʻo e hāʻawi kālā ana lākou i nā mea a pau. ʻAʻole koi ʻia nā palapala hōʻoia kālā, akā loiloi lākou i ka hilinaʻi o kahi mea hōʻaiʻē ma kahi hālāwai ninaninau. Hiki i ka mea hoʻopukapuka kālā ke loaʻa kālā i ka lā lapaʻau a he mea pono kēia.

Ma ke kumumanaʻo, inā pono ka mea kūʻai aku e ʻimi koke i ke kālā, hiki iā ia ke noi mai kahi mea hoʻopukapuka a i ʻole CPC, a laila e hoʻihoʻi kālā me kahi panakō. 

Nā nīnau a me nā pane kaulana