No ke aha e hōʻole ai nā panakō i kahi hōʻaiʻē?

ʻAʻole hōʻike kekahi o nā panakō i nā kumu no ka hōʻole ʻana i kahi hōʻaiʻē. Hiki i kēlā me kēia limahana o nā ʻoihana hōʻaiʻē ke hāpai i ka pale o ka hūnā a kōkua e ʻike i ke kumu e hōʻole ai nā panakō i kahi hōʻaiʻē, ʻoiai me ka mōʻaukala hōʻaiʻē maikaʻi. Pono e hoʻoholo i nā kumu nui no ka hōʻole ʻana e hōʻaiʻē i mea e maopopo ai inā hiki ke loaʻa kahi hōʻaiʻē ma mua o ka hoʻopili ʻana i ka panakō.

Nā kumu no ka hōʻole ʻana i kahi hōʻaiʻē panakō

Ka nele o ka solvency

Ke helu nei i ka solvency o kahi mea noi hiki, hoʻohana nā panakō i ka ʻikepili ma ka pae loaʻa kālā o ka mea kūʻai aku. ʻO ka poʻe i loaʻa kā lākou uku maʻamau i ke ʻano o nā bonus i nā enopope, ʻoiai i kahi ʻoihana nui, ʻaʻole hiki ke loaʻa i kahi kālā nui. Kuhi ʻia kahi pae lawa o ka loaʻa kālā e uhi ai i nā uku no ka mahina ma ka hōʻaiʻē i noi ʻia, e noʻonoʻo ana i ka uku paneʻe, nā uku ma ke kauoha o ka hoʻokō ʻana a me ka ʻāpana kālā, a no kēlā me kēia lālā ʻohana o ka mea hōʻaiʻē e loaʻa ka nui o ka uku ola.

Nā kuleana ʻē aʻe

Hoʻopilikia ʻia ka solvency e nā hōʻaiʻē ʻē aʻe, no ka mea, lawe ka panakō i nā uku no lākou ke nānā nei i ka lawa pono o ka loaʻa kālā.

E hoʻomanaʻo, e noʻonoʻo pū ka mea hōʻaiʻē i nā kuleana āu e hana ʻole ai ma ke ʻano he hōʻaiʻē a mea hoa ʻaiʻē pū, akā ma ke ʻano he mea hōʻoia.

ʻO ke kū ʻana o kahi palena hōʻaiʻē ma ke kāleka hiki ke lilo i kumu no ka hōʻole ʻana, ʻoiai inā ʻaʻole hoʻohana ʻia ka kāleka hōʻaiʻē, akā ke waiho wale nei ia ma ke ʻano he waihona pilikia o ke kālā inā pono ʻoe e hoʻomaikaʻi wikiwiki i kou olakino a hoʻomaha hoʻomaha wale paha i nā ʻāina ʻē.

Kaulana maikaʻi ʻole a me ka mōʻaukala hōʻaiʻē maikaʻi ʻole

I ka loaʻa ʻana o ka mea lawe ʻaiʻē hōʻaiʻē a ka mea hōʻaiʻē, e ʻike ka panakō i nā hana hewa i kāna mau kuleana, ka ʻike e pili ana i nā hoʻāʻo hoʻopunipuni a i ʻole ka hoʻoholo a ka luna kānāwai e hōʻiliʻili i nā hōʻaiʻē - no nā pohihihi, uku alimony, a me ka uku ʻana i nā hōʻaiʻē i kēlā me kēia kanaka ʻO kahi lohi pōkole hoʻokahi manawa, ʻae ʻia no nā kumu loea, ʻaʻole paha e alakaʻi i ka hōʻole, akā inā he lohi hou, ʻaʻole ʻoe e kali no ka ʻae ʻia i ka noi, no ka mea e noʻonoʻo ka panakō he mea hōʻaiʻē hoʻopaʻi kūpono ʻole ia.

ʻIke kūpono ʻole i ka palapala noi

Inā makemake ka mea hōʻaiʻē, e lana ana ka hōʻoia lawa ʻole o ka mea hōʻaiʻē, e hōʻike ana i ka palapala noi palapala i kūlike ʻole me ka ʻoiaʻiʻo, e hoʻāʻo e wahaheʻe e pili ana i ka nui o kāna loaʻa ponoʻī, hūnā i nā kuleana o kēia manawa i kahi panakō ʻē aʻe, a poina paha i kekahi ʻikepili a hana hewa wale paha. haʻalele koke i ka hilinaʻi a hoʻoholo i kahi hoʻoholo maikaʻi ʻole e hāʻawi i kahi hōʻaiʻē.

ʻO ka ʻikepili i noi ʻia i ka nīnau nīnau, hiki i ka panakō ke noi no ka hōʻoia palapala, me ke noi ʻana i palapala hōʻoia kālā a i kope o ka puke hana.

ʻAʻole ʻae ka panakō i kahi noi no kahi hōʻaiʻē inā ʻike ia i ka hilinaʻi ʻole o ka mea hōʻaiʻē, nā lālā o kona ʻohana, nā mea hōʻaiʻē hōʻaiʻē. Aia kekahi mau kumu ʻē aʻe no ka hōʻole ʻana ʻaʻole pili i ka mea hōʻaiʻē.

• ʻaʻohe kālā kālā ka panakō i kēia manawa,
• hōʻole ʻo tacit e hoʻopuka i nā hōʻaiʻē i kēlā me kēia mea kālepa.
• nā helu helu o ka uku ʻole ʻia o nā hōʻaiʻē i ka panakō e kekahi mahele o nā mea kūʻai aku - ʻōpio o ka makahiki ʻōpio, nā haumāna a i ʻole nā ​​limahana o nā keʻena hana lawelawe lehulehu.

Inā kūpono nā mea āpau me ka mōʻaukala hōʻaiʻē a me nā pae hoʻohālikelike ʻē aʻe e kū i nā koi o ka panakō, akā hōʻole ʻia, hiki iā ʻoe ke hoʻokaʻaʻike i kahi mea hōʻaiʻe ʻē aʻe, a noi i ka panakō like ma hope.

Pehea e hoʻonui ai i ka manawa o ka loaʻa ʻana o kahi hōʻaiʻē

ʻAʻole hāʻawi kekahi i kahi hōʻoia 100% o kahi pane maikaʻi i kahi noi hōʻaiʻē, akā hiki ke hoʻonui i nā manawa o ka hōʻaiʻē hōʻaiʻē. Pono ia:

1. E like me ka pololei a me ka ʻoiaʻiʻo e hiki ai, e hoʻokaʻaʻike i nā ʻike āpau i kahi mea hōʻaiʻē kūpono.
2. Hoʻomaʻamaʻa mua iā ʻoe iho me kāu faila hōʻaiʻē ponoʻī ma ke noi ʻana iā ia mai ka keʻena hōʻaiʻē.
3. Hāʻawi i kahi palekana hou no ka hōʻaiʻē i noi ʻia - hoʻohiki i ka waiwai wai, ka hōʻoia o ka hilinaʻi a me nā mea hoʻoheheheʻe, ka hoihoi o nā hoa ʻaiʻē, ʻinikua.
4. E hoʻokō pono i nā kuleana i ka poʻe hōʻaiʻē, e loaʻa ana kahi kūlana maikaʻi ma ke ʻano he mea noi me ka noi a me ka hoʻopaʻi.

Hiki iā ʻoe ke hana i ka ʻaoʻao ʻē - e hele i kahi panakō, ka mea koho ʻole i ke koho ʻana i nā mea kūʻai aku, a loaʻa kālā me ka nānā ʻole ʻana i kāu mōʻaukala hōʻaiʻē, me ka ʻole o nā palapala hōʻoia a me nā mea e hōʻoiaʻiʻo ai, me ka ʻole o ka collateral. I kēia hihia, hoʻomākaukau no kahi hoʻonui uku paneʻe a me nā komisina kiʻekiʻe no ka lawelawe hōʻaiʻē.

E nānā i ka wikiō: Anoai- Motuaina Wahine- Kahiko Ia oe e ka la (Kepakemapa 2024).