He aha ka mea ʻoi aku ka maikaʻi e lawe i kahi molaki a i ʻole kahi hōʻaiʻe?

Ke kū aʻe ka pono e kiʻi i nā kālā hōʻaiʻē e koi ʻia ana e kūʻai i kahi home, ʻo ka manawa wale nō ka hopena i hiki i ka noʻonoʻo he molaki. No ke kūʻai ʻana i kahi keʻena a hale paha, hiki iā ʻoe ke hoʻohana i nā huahana hōʻaiʻē ʻē aʻe, e laʻa me kahi hōʻaiʻē kālā mea kūʻai. He aha nā mea maikaʻi a me nā maikaʻi ʻole o ka molaki ma kahi hōʻaiʻe mea kūʻai?

Nā pōmaikaʻi a me nā maikaʻi ʻole o nā hōʻaiʻē molaki home

E like me kēlā me kēia hōʻaiʻē, hāʻawi ka molaki iā ʻoe i ka manawa kūpono e kūʻai i ka waiwai (kahi hale ʻokoʻa a i ʻole kou hale ponoʻī) me ka hoʻāʻo ʻole e ʻoi aku i ka ulu ʻana o ka mālama kālā, ka ulu ʻana o nā kumukūʻai waiwai a me ka helu o ka hoʻonui. Ke waiho nei i nā ʻano i kū i nā ʻano ʻaiʻē āpau, e nānā kākou i nā kūlana kikoʻī no ka hāʻawi ʻana i nā hōʻaiʻē molaki.

E hoʻomaka me nā hiʻohiʻona ʻoi loa o nā mōlaki.

• ʻO kekahi o nā uku paneʻe haʻahaʻa no nā hōʻaiʻē kalepa ka hōʻaiʻē molaki. Hiki iā lākou ke 10-16.25% i kēlā me kēia makahiki, no ka mea liʻiliʻi nā makaʻu o ka hoʻi ʻole ke hoʻohiki ʻia ma kahi panakō waiwai.
• ʻO ka hiki ke loaʻa nā kōkua a me nā uku mai ka mokuʻāina, e hōʻemi ana i ka helu i ka pae o 7-8% o ka makahiki.
• ʻO ka nui o ka molaki e pili ana i ka solvency a me ka hilinaʻi o ka mea hōʻaiʻē.
• ʻO ka hōʻaiʻē wā lōʻihi - a i 30 mau makahiki, a hui pū ʻia me ka uku paneʻe haʻahaʻa, hāʻawi i nā uku mahina liʻiliʻi e uku ai i ka hōʻaiʻē.

Nā hiʻohiʻona maikaʻi ʻole o ka hōʻaiʻē home ma lalo o nā papahana molaki.

1. ʻO kahi uku nui loa no ka hoʻohana ʻana i nā kālā hōʻaiʻē a me ka lawelawe ʻana i kahi hōʻaiʻē no nā makahiki he nui - hiki ke hala i nā manawa he nui i ke kumukūʻai o ke keʻena i kūʻai ʻia.
2. ʻO ka pono e uku i lalo mai nā kālā pilikino i ka nui o 10-30% o ke kumukūʻai o ka hale - e hōʻiliʻili ʻia kēia nui.
3. Nui nā kumukūʻai hou aʻe no ke kau inoa ʻana o kahi molaki, ma kikoʻī: uku no nā lawelawe o nā ʻaoʻao ʻaoʻao ʻekolu e kōkua i ka hoʻomākaukau ʻana i nā palapala, koho i ke koho hale kūpono, e loiloi i ka waiwai i moraki ʻia, e hoʻopaʻa i nā pilikia o ka pohō a i ʻole nā ​​hana ʻē aʻe i pili.
4. ʻAʻole hiki ke lawe i kahi liʻiliʻi ma lalo o ka papahana molaki. He paʻakikī e kiʻi ma lalo o ka hapalua miliona ma kahi molaki, ʻoiai ke kiʻekiʻe o nā kumukūʻai o ka panakō no ka hāʻawi ʻana iā ia, a he waiwai ʻole ia e hoʻolako i kahi kālā liʻiliʻi i hōʻaiʻē ʻia. Inā ʻoe e kūʻai nei i kahi hale kūʻai pipiʻi i loko o kahi kaona liʻiliʻi a i ʻole hale ʻemi ma kahi kauhale, a i ʻole ʻaʻole lawa ke kālā e kūʻai ai i ka hale i makemake ʻia, hōʻole paha ka panakō e hoʻopuka i kahi molaki.
5. Ka palena ʻana i ka hoʻohana ʻana i ka waiwai a hiki i ka uku hou ʻana o ka hōʻaiʻē. Hiki iā ʻoe ke noho i kahi keʻena, akā hoʻolimalima ia, hoʻonohonoho i ka hoʻomohala hou ʻana, hoʻomaka i ke kūkulu hou ʻana, hāʻawi a hoʻoilina paha, e hoʻopaʻa inoa i nā lālā ʻohana ʻē aʻe i loko, hiki wale nō me ka ʻae o ka waihona hōʻaiʻē.

Mai poina i nā ʻano psychological e hiki ai ke hōʻoluʻolu a hoʻonui i ka pīhoihoi o ka mea hōʻaiʻē i noho kauā no nā makahiki he nui. E hoʻonāukiuki paha ka mokuʻāina kaumaha i ka ʻoiaʻiʻo ʻaʻole ʻae ka panakō i nā kālā no ka uku mua ʻana o ka hōʻaiʻē a me ka ʻole o nā hoʻopaʻi koʻikoʻi, a he hiki ʻole ke hoʻolalelale i ke kaʻina hana o ka hōʻaiʻē. ʻO kēia kaukaʻi ʻana i ka mea hōʻaiʻē e ʻōlelo ʻoi loa me ka loli unilateral i nā ʻōlelo o ka ʻaelike hōʻaiʻē a me ka hoʻonui ʻana o ka uku paneʻe.

Nā mea maikaʻi a me nā maikaʻi ʻole o kahi hōʻaiʻē mea kūʻai aku no ka hale

Hiki iā ʻoe ke helu i kahi hōʻaiʻē mea kūʻai ma ke kālā no ke kūʻai ʻana i kahi keʻena. Hāʻawi kekahi mau panakō e loaʻa no kekahi kumu a i mau miliona rubles me ka hoʻohiki ʻole i ka waiwai i loaʻa.

E kamaʻilio e pili ana i nā ʻano maikaʻi o ke kūʻai ʻana i home me ka hoʻohana ʻana i nā hōʻaiʻē mea kūʻai aku:

• ʻO ka wikiwiki kiʻekiʻe o ka noʻonoʻo ʻana i ka noi a me ka hāʻawi kālā ʻana;
• Loaʻa a me nā koi koi liʻiliʻi no nā mea hōʻaiʻē hiki;
• Ka liʻiliʻi loa o nā palapala;
• Hiki i ka hōʻoia ke hōʻoia;
• Hiki iā ʻoe ke loaʻa i kekahi kālā;
• ʻAʻole pono kāu waihona ponoʻī;
• Me kahi huahana hōʻaiʻē i wae pono ʻia - ka hapa nui o ka uku no ka hoʻohana ʻana i nā kālā hōʻaiʻē.

Nā mea maikaʻi ʻole o nā hōʻaiʻē mea kūʻai aku:

1. ʻO ka uku paneʻe kiʻekiʻe no nā hōʻaiʻē kālā ʻāpana ʻole ʻia - ma kahi o 17-30% o ka makahiki.
2. Nā paʻakikī i ka hōʻoia ʻana i ka solvency - ʻaʻole hāʻawi pinepine nā panakō no ka ʻumeʻume o nā mea noi kālā e hoʻonui i ka loaʻa kālā āpau, i lawe ʻia i ka helu ke helu ʻia ka nui o ka hōʻaiʻē nui.

ʻIke ka pōmaikaʻi o ka hoʻohana ʻana i ke kālā mai kahi hōʻaiʻē kūpono ʻole e kūʻai i home - ʻoi aku ka maikaʻi o ke kānana ʻana a me ka uku koke ʻana i ka ʻaiʻē ma mua o ka noho ʻana no nā makahiki he nui i ka makaʻu i ka nalo ʻana o kahi keʻena i moraki ʻia ma ka molaki, e uku ana i ka panakō no ka waiwai i kēlā me kēia mahina.