ʻO ka hōʻaiʻē i kēlā me kēia mea kālepa - nā kūlana a me nā kumu no ka hōʻole ʻana i nā hōʻaiʻē

ʻOi aku ka paʻakikī o ka mea ʻoihana hoʻokahi ʻaʻole wale e loaʻa kahi hōʻaiʻē ʻoihana, akā hoʻohana pū kekahi i nā hōʻaiʻē mea kūʻai maʻamau. Nui nā kumu e hōʻole ai nā panakō e ʻae i nā noi ʻoihana liʻiliʻi. E ʻike i ke kumu e hāʻawi ʻole ai kēlā me kēia mea kālepa i nā hōʻaiʻē.

Nā kumu no ka hōʻole ʻana i kekahi mea kālepa i kahi hōʻaiʻē

ʻAʻole hoʻokō kekahi o nā mea kālepa i nā koina o nā panakō no nā mea hōʻaiʻē ʻoihana:

• ʻO ke ola ʻoihana... Pono e hoʻokō ʻia ka hana no ʻeono mau mahina. ʻAneʻane hiki ʻole i nā poʻe hoʻomaka ke loaʻa kahi hōʻaiʻē. Ua ʻākiʻake kekahi mau panakō i kēia koi a ʻae wale i nā noi mai kēlā me kēia mea ʻoihana ma mua o 1-3 mau makahiki.
• ʻO ka transparency ʻoihana... Ma muli o ka makemake e hūnā i kahi o kā lākou hana a me nā loaʻa kālā mai ka mokuʻāina, alakaʻi pinepine nā mea kālepa i ka mālama puke ʻana "pālua", ʻaʻole e hōʻike ana i nā kahe kālā maoli i ka ʻoihana. Hoʻopili maikaʻi ʻole ka hūnā ʻana i ke kūlana kālā o ka ʻoihana e like me ka hōʻike ʻana i ka ʻikepili a me nā palapala ʻē aʻe a nā panakō e hoʻohana ai e hoʻoholo i ka noi.
• Pae loaʻa... No kekahi kumu like, hōʻole nā ​​mea kālepa nāna i hoʻouna i nā ʻōlelo "zero" i mea e hōʻemi ai i ka ukana ʻauhau. Manaʻo ka panakō he lawa ka solvency ke hoʻokō ʻia ka lawelawe ʻana o nā kuleana i noi ʻia ma ka lilo o ka loaʻa kālā, me ka unuhi ʻole ʻana i ke kālā mai ka holo.
• Ka nele o ka palekana wai... Hiki i kekahi mea kālepa ʻē aʻe ke hana ma ke ʻano he kumu hōʻoia no ka mea ʻoihana, akā pehea inā ʻaʻole hiki iā ia ke hōʻoia i ka loaʻa kālā? Hoʻolālā pinepine ka poʻe ʻoihana i nā waiwai e loaʻa kālā ai nā kānaka pākahi - nā hoahānau a me nā hoaaloha, kūʻai i nā kaʻa a me nā pono hana mai ko lākou lima me ka ʻole o nā palapala kākoʻo kūpono No laila, ke koho ʻana i kahi palekana kūpono, alo ka panakō i ka paʻakikī o ka loaʻa ʻana o ka waiwai wai me nā palapala inoa.
• Mōʻaukala hōʻaiʻē maikaʻi... Pehea e loaʻa ai kahi moʻolelo hōʻaiʻē inā paʻakikī loa e loaʻa kahi hōʻaiʻē? Manaʻo kekahi mau panakō i ka ʻike o ka hōʻaiʻē ʻoihana a me nā hōʻaiʻē pilikino o ka mea ʻoihana iā ia iho ma ke ʻano he kanaka.

ʻO nā kumu i luna no ka hōʻole ʻana e hōʻaiʻē e pili ana i kēlā me kēia mea kālepa e loaʻa ana nā hōʻaiʻē no nā pono o nā mea kūʻai. ʻO kahi ʻoihana liʻiliʻi kahi hana weliweli a paʻa ʻole hoʻi, no laila, paʻakikī e noʻonoʻo i ka loaʻa kālā o kahi mea kālepa e like me ka mau a hana i nā wānana. ʻO kēia ka hopena o nā hōʻole e hāʻawi i nā hōʻaiʻē i nā poʻe e hana ana i nā hana ʻoihana.

Nā kūlana hōʻaiʻē no kēlā me kēia mea kālepa

Inā wehe ka mea ʻoihana i nā kāleka āpau a hōʻike i ka moʻohelu kālā moakaka a me ka hōʻike ʻana, e like me ka mea e lawa ai ka loaʻa kālā e uku ai i nā kuleana, hiki i ka panakō ke hāʻawi i ka nui i koi ʻia.

Hāʻawi ʻoluʻolu lākou i nā hōʻaiʻē no nā kumu hoʻopukapuka: ke kūʻai ʻana i nā waiwai ʻoihana, nā pono, nā kaʻa hou a me nā pono hana. ʻO ka waiwai i loaʻa me nā kālā o ka hōʻaiʻē e hoʻohiki ʻia ma ke ʻano he collateral no ka hōʻaiʻē.

ʻO nā helu ma nā hōʻaiʻē ʻoihana ʻo 15-28% no ka makahiki, hiki nā huaʻōlelo i 3-7 mau makahiki. Inā hoʻopiha hou ke kumu o ka hōʻaiʻē i ke kapikala hana a me ke kūʻai ʻana i kahi pūʻulu waiwai hou aʻe, piʻi ka helu i 22-39% o ka makahiki.

Me ka ʻole, e koi ʻia kahi mea kālepa e hoʻopau i kahi kulekele pilikino pilikino a me ke olakino olakino, ʻinikua waiwai o nā waiwai a me ke kumuhana o ka hoʻohiki. Inā loaʻa iā ʻoe kahi male i hoʻopaʻa inoa ʻia, pono ʻoe e hoʻopaʻa i ka ʻoiaʻiʻo o ka wahine a ka mea noi.

Hiki ke kiʻi ʻia nā hōʻaiʻē mea kūʻai aku no kēlā me kēia mea kālepa ma kahi haʻahaʻa haʻahaʻa e ka ʻumeʻume ʻana i nā lālā o ka ʻohana a i ʻole nā ​​mea hōʻoiaʻiʻo - nā hoaloha i hoʻohana ʻia ma ke ʻano he mau hoa ʻaiʻē. Aia nā helu hōʻaiʻē kālā ma ka pae o 15-25%. Hiki i ka nui ke lilo i mau miliona rubles, hiki nā huaʻōlelo i 5-7 mau makahiki. ʻOi aku ka maikaʻi o ka manawa no nā mea kālepa e lawe i kahi hōʻaiʻē maʻamau no nā makemake nui no nā kānaka a hoʻopukapuka i kēia kālā i ka ʻoihana. A laila koe ia e uku i ka hōʻaiʻē me ka wikiwiki.

ʻO ke koho ʻoi loa no kahi mea kālepa aku e hoʻopili i kahi panakō kahi e wehe ai nā waihona o kēia wā. ʻO ka ʻike i ka loaʻa kālā ma ka waihona o ka ʻoihana, hiki i ka panakō ke hoʻoholo pono a hāʻawi i kahi hōʻaiʻē ma nā ʻōlelo makemake pilikino o kēlā me kēia. E aʻoaʻo nā luna hōʻaiʻē i ke ʻano o ka hōʻaiʻē no ka mea ʻoihana a hāʻawi i kahi papa inoa o nā palapala hōʻoia a me nā palapala e hōʻemi ai i ka uku a me ka uku nui.