He aha ka hōʻaiʻē mea kūʻai aku
He aha ka hōʻaiʻē mea kūʻai? ʻO nā hōʻaiʻē mea kūʻai aku he hōʻaiʻē panakō ia no kēlā me kēia mea i hoʻolako ʻia no kēlā me kēia kumu pilikino - mai ke kūʻai ʻana i nā waiwai kūpaʻa i ka uku ʻana no nā lawelawe aʻo a me nā lawelawe lapaʻau, hoʻoponopono a me ka hoʻopau ʻana i ka hana.
ʻO nā hōʻaiʻe kaʻa a me nā mōlaki home i kapa pinepine ʻia he hōʻaiʻē mea kūʻai. ʻOi aku ka pololei o ka manaʻo o ka hōʻaiʻē ʻana i ka hoʻolimalima kālā wale nō no ka uku ʻana i nā ukana a me nā lawelawe a i ʻole ka hāʻawi ʻia ʻana o ke kālā me ka ʻole o ka kikoʻī i ke kumu i manaʻo ʻia. Hāʻawi ka panakō i ka nui i ka mea kūʻai aku i ka mea e pono ai a i ʻole pololei i ka mea lawe kālā, a uku ka mea ʻaiʻē i ka uku paneʻe no ka hoʻohana kālā.
Nā ʻano o nā hōʻaiʻe mea kūʻai
Hoʻopuka ʻia nā hōʻaiʻē pahuhopu ma ka ʻāina o ka ʻoihana kālepa ma nā kiko o ke kūʻai aku ʻana o nā lawelawe kālā kūʻai kūʻai o ka panakō hoa. Hāʻawi ka mea kūʻai i kahi ʻāpana o kāna kālā ponoʻī, a ʻo ke koena i uhi ʻia e ka panakō. ʻO ka hopena, ʻaʻole ʻaiʻē ka mea kūʻai aku i ka kūʻai mai i ka hale kūʻai, akā i ke keʻena hōʻaiʻē.
Hoʻopili nā papahana hōʻaiʻē mea kūʻai ʻole ʻia i ka hoʻopukapuka kālā ma ka pākaukau kālā o ka panakō a i ʻole ka hoʻoili uea ʻana i ka waihona o ka mea hōʻaiʻē. Hiki i ka mea hōʻaiʻē ke hoʻolilo iā lākou i kona manaʻo iho. ʻO ia mau hōʻaiʻē, e like me ke ʻano a me nā koina i koi ʻia, ua māhele ʻia i collidedised a unsecured, secured a unsecured.
Kaukaʻi ʻia i ka wikiwiki o ka hana ʻana i ka palapala noi a hāʻawi kālā, hoʻokaʻawale lākou i nā hōʻaiʻē mea kūʻai maʻamau, i hoʻopuka ʻia i loko o kekahi mau lā, a hōʻike i nā hōʻaiʻē - nā hōʻaiʻe koʻikoʻi i hoʻopuka ʻia i loko o kekahi mau minuke a i ʻole mau hola.
ʻO wai ka mea hiki ke lawe i kahi hōʻaiʻē mea kūʻai?
ʻO nā kamaʻāina o ka Lūkia Hui Pūʻali e kū ana i nā koina no nā mea hōʻaiʻē hiki ke helu i nā hōʻaiʻē mea kūʻai aku ma nā panakō Lūkini.
ʻO kahi pae koho koho nui ka makahiki o ka mea kūʻai aku. Hoʻopuka ʻia nā hōʻaiʻē mai ka makahiki 21, akā ua mākaukau kekahi mau panakō e hana me nā wae ʻōpio o nā mea hōʻaiʻē a hoʻopuka i nā kālā mai ka makahiki 18. Hiki ke loaʻa nā hōʻaiʻē no ke aʻo ʻana i ka makahiki 14, inā ua hoʻopaʻa inoa ʻia nā ʻohana makua me ka loaʻa kālā paʻa a me ka hana ma ke ʻano he mau hoa ʻaiʻē.
ʻO ka palena palena palena, ma mua o ka hiki ʻana i ka mea hōʻaiʻē pono e uku piha i ka hōʻaiʻē i ka panakō, kaupalena ʻia e ka makahiki hoʻomaha o ka ʻelemakule - 55 no nā wahine a me 60 no nā kāne.
ʻAʻole kālapa nui nā mākaʻi a mākaukau e hāʻawi i nā penihana i ka manawa kūpono e hoʻohana ai i nā kālā hōʻaiʻē a hiki i ka 65-70 mau makahiki, me ka nānā ʻole i ka wahine. Hoʻopuka kekahi mau panakō i nā hōʻaiʻē a hiki i 75-80 mau makahiki o ka makahiki me kahi collateral hou aʻe ma ke ʻano o ke ola o nā mea kūʻai aku a me ka ʻinikua olakino.
ʻO nā koi no ke kau inoa ʻana a me kahi maoli o ka noho ʻana o kahi mea noi hiki ke ʻokoʻa pū kekahi. Hoʻopili pololei kekahi mau panakō i ke koho ʻana o nā mea kūʻai aku a hoʻopuka i nā hōʻaiʻē wale nō me ka hoʻopaʻa paʻa mau ʻana i ke kauhale o ka noi ʻana i kahi hōʻaiʻē. ʻOi aku ka kūpaʻa o nā poʻe ʻē aʻe a ʻae i nā noi me ka hoʻopaʻa inoa manawa ʻole ʻia ma nā wahi o ka ʻāina. ʻAʻole ʻoi aku ka lōʻihi o ke kau inoa kau ma mua o ka manawa o ka hōʻaiʻē.
Ke nānā nei i kahi mea hōʻaiʻē, he mea nui ka solvency.
He mea nui ka lawa ʻana o ka loaʻa kālā kūhelu e uhi ai i nā kuleana hōʻaiʻē i ka panakō, e noʻonoʻo ana i ka uku paneʻe a me nā komisina no ka lawelawe ʻana i ka hōʻaiʻē.
Koi ʻia ka hana a me ka ʻike hana ma kahi o 6-12 mau mahina. Inā ʻole, hōʻole ka panakō.
Ma nā kūlana hea ʻoe e loaʻa ai i kahi hōʻaiʻē mea kūʻai?
Aia ka nui o ka hōʻaiʻē i ka pae o ka loaʻa kālā, collateral a me ka hanohano o ka mea hōʻaiʻē. Ke hoʻohiki ʻia ka waiwai, hiki i ka nui ke hōʻea i 10 miliona rubles, me ka mea hōʻoia - 3 miliona rubles, me ka ʻole o ka collateral hiki ke lawe ʻia ma mua o 300-900 tausani rubles. Aia kekahi ʻokoʻa, hoʻopuka like ka Sberbank o Rūsia a hiki i ka 1.5 miliona rubles i nā mea kūʻai aku no 5 mau makahiki me ka ʻole o nā palapala hōʻoia a me nā hōʻoia hou aʻe.
ʻO ka manawa hōʻaiʻē no nā polokalamu ʻaiʻē mea kūʻai mai ka 1 mahina a i ka 7 mau makahiki. ʻAʻole e hoʻopuka ʻia kahi hōʻaiʻē palekana ʻole no kahi manawa ma mua o 1-3 mau makahiki, me kahi hōʻoia - no 3-5 mau makahiki, me ka hoʻohiki o ka waiwai hoʻoneʻe a neʻe ʻole - a 7 mau makahiki.
Hoʻololi nā kumukūʻai hōʻaiʻē mea kūʻai ma waena o 15-50% o ka makahiki, e like me nā kūlana o kahi panakō kikoʻī a me ke kūlana o kahi mea ʻaiʻē.
He aha nā palapala e koi ʻia ai
I kekahi manawa ua lawa ka passport i ka hoʻoholo ʻana i kahi ʻaelike hōʻaiʻē, ʻo kēia kahi e hāʻawi ʻia ai nā hōʻaiʻē kikoʻī. ʻO ka manawa pinepine, koi ʻia nā palapala hou e hōʻoia i ka ʻike o ka mea noi - he laikini hoʻokele, palapala passport, palapala hōʻoia no ka penikala, kahi palapala hāʻawi TIN, a pēlā aku. ʻAʻole holo ia e loaʻa ai kahi hōʻaiʻē mea kūʻai ma mua o 300 tausani rubles me ka ʻole o kahi hōʻike kālā a me kahi kope o kahi puke hana. Me kahi hōʻaiʻē paʻa, pono ʻoe i nā palapala no ka mea hōʻoiaʻiʻo a palapala paha o ke poʻo inoa no ka mea i hoʻohiki ʻia.