Ma hea kahi ʻoi aku ka maikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē
Pili nā kūlana o ka hoʻohana ʻana i ka wahi o ka noi ʻana i kahi hōʻaiʻē. Hoʻopuka ʻia nā hōʻaiʻē ma nā panakō, nā hui microfinance, i nā uniona hōʻaiʻē kūikawā a me nā mea kōkua, i kahi pawnshop, pololei i kahi hale kūʻai, kahi kūʻai kaʻa a me nā ʻoihana kalepa a me nā ʻoihana lawelawe ʻē aʻe, a i ʻole ma ka leka uila a ma ka Pūnaewele paha.
Aia ma hea kahi kūpono e loaʻa ai kahi hōʻaiʻē? ʻO nā kumuwaiwai o nā kumu hōʻaiʻē ka mea waiwai loa? ʻOiai ʻokoʻa loa nā panakō e pili ana i ka hāʻawi ʻana i nā hōʻaiʻē, he aha e ʻōlelo e pili ana i nā hui ʻē aʻe. E hāʻawi pōkole mākou i kahi wehewehe o kēlā me kēia hui, e hāʻawi mākou i kahi ʻōlelo aʻoaʻo kūpono, a pono ʻoe e hoʻoholo i ke koho ʻana i kahi hāʻawi maikaʻi iā ʻoe iho.
ʻO nā Microloans no ka manawa micro
Hoʻopuka koke ʻia nā Microloans. Ke noi nei i kahi hui microfinance, he passport wale nō i ka lima, hiki iā ʻoe ke haʻalele i ka hapahā o ka hola me ka nui o ke kālā i makemake ʻia. No ka loaʻa ʻana o kahi hōʻaiʻē, hoʻopiha lākou i kahi nīnau nīnau, hana kope i kā lākou passport, hana i kahi nīnauele pilikino a nānā i kā lākou helu kelepona pili.
Ma hope o kēlā, kau inoa ʻia kahi ʻaelike hōʻaiʻē, uku ʻia kahi kōmike hoʻokahi manawa no ka hōʻaiʻē (ʻo ka nui he 5-20% o ka hōʻaiʻē nui). Nui a hewahewa nā "buts" i kēia koho: heʻuʻuku ka nui o ka hōʻaiʻē (he ʻumi mau tausani rubles), pono ʻoe e hoʻihoʻi ia i loko o 1-6 mau mahina, kiʻekiʻe hoihoi - 50-1000% o ka makahiki.
ʻO nā hui kōkua kanaka kūikawā
Hāʻawi koke lākou i ke kālā i nā ʻuniona hōʻaiʻē a me nā mea kōkua. Maanei ʻoe e pono ai i kahi mea hōʻoia - kahi mea i mākaukau e hōʻoia i ka hoʻihoʻi o nā kuleana i noi ʻia. Mai nā palapala āu e pono ai i kahi passport a me kahi palapala ʻē aʻe e hōʻoia ana i ka ʻike o kahi mea hōʻaiʻe kūpono. Pōkole ka wā hōʻaiʻē, ʻaʻole i ʻoi aku i hoʻokahi makahiki, ʻoi aku ka nui o ka nui ma mua o 100-200 tausani rubles.
ʻAe kekahi o nā hui kōkua hōʻaiʻē i nā kaʻa a i nā waiwai paha ma ke ʻano he collateral, kahi e hoʻolohi ai i ke kaʻina hōʻaiʻē akā hoʻonui i ka nui i loaʻa a me ka wā uku. Hāʻawi ʻia kahi papa uku uku pākahi, i hoʻomohala ʻia e like me kāu makemake.
Hiki iā ʻoe ke uku i ʻelua mau manawa o ka mahina, ka mahina, ka hapahā a i ʻole ka hopena o ka manawa hōʻaiʻē. ʻO ka uku paneʻe ma kahi o 15-100% o ka makahiki. Mai poina e pili ana i nā uku hou aʻe no ka hāʻawi ʻana i ka hōʻaiʻē a me nā lālā o ka co-op.
Huli i kahi mea - loaʻa kālā
I ka pawnshop, pili ka nui o ka hōʻaiʻē i ka waiwai o ka waiwai i hoʻohiki ʻia. ʻAe nā Pawnshops i ke gula a me nā mea nani, nā mea kahiko, nā kaʻa, nā mīkini pono hale a me nā pono uila. Aia ka hoʻohiki, me nā palapala o ke poʻo inoa, aia ma ka ʻāina o ka pawnshop a hiki i ka hoʻihoʻi piha ʻana o ka nui i lawe ʻia. E kūʻai i ka waiwai, pono e uku i nā kuleana hōʻaiʻē i kēlā me kēia manawa, me ka noʻonoʻo ʻana i ka uku paneʻe no ka wā hōʻaiʻē. Hoʻomaulia ʻia ka hoihoi i kēlā me kēia lā a hiki i 35-700% o ka makahiki.
ʻAʻole palena ka manawa uku hōʻaiʻē, ʻoiai ma kekahi o nā pawnshops kūʻai ʻia ka waiwai ma hope o kekahi mau mahina.
Nā mea maikaʻi ʻole: ka hiki ke lilo o ka waiwai, nā uku paneʻe kiʻekiʻe, kahi hōʻaiʻē liʻiliʻi ma muli o ke kumu kūʻai haʻahaʻa.
Inā ʻaʻole hiki iā ʻoe ke uku ma ke kūʻai aku - e kiʻi i kahi hōʻaiʻē
Hiki i nā hale kūʻai a me nā kikowaena kūʻai ke hoʻoholo i kahi ʻaelike hōʻaiʻē e uku no ke kūʻai pono ʻana ma ka papa kūʻai. Koho ʻia nā panakō pakanā, nona ka ʻelele e hana ai ma ka ʻāina o nā hale kūʻai, e like me ke kumu - ʻoi aku ka wikiwiki o ka ʻoi. E like me kāu e ʻike ai, pono ʻoe e uku no ka wikiwiki ke noi ʻana i kahi hōʻaiʻē me ka hoʻonui hoʻonui. Hoʻopuka ʻia ka hōʻaiʻē no 3-24 mau mahina.
Me ka uku paneʻe kiʻekiʻena, ma ka laulā o 40-100% o ka makahiki, uku ka panakō i kāna mau pilikia ponoʻī ma ka hoʻopuka ʻana i nā kālā hōʻaiʻē me ka ʻole o ka hana pono a e like me ka liʻiliʻi o nā palapala. Akā liʻiliʻi ka uku o ka mahina a me ka uku no nā waiwai, no ka laʻana, hoʻopau ʻia kahi mea hoʻomālamalama a hiki i ka wā ma hope, a hiki iā ʻoe ke hoʻohana koke.
ʻAʻole loaʻa i ka mea kūʻai aku kālā i kāna lima - hele ia i ka waihona o ka hale kūʻai, a noho ka mea hōʻaiʻē me ka ʻaelike hōʻaiʻē a me ka huahana i wae ʻia.