ʻO kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole - kuhikuhi e pili ana i ka hōʻaiʻē lohi i ka lā uku.

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ʻO ke awakea maikaʻi, e nā makamaka heluhelu o ka Manaʻo kālā no ka makasina Life! ʻO ke kumuhana o ka paʻi o kēia lā nā hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole. E haʻi mākou iā ʻoe pehea e lawe ai i kahi hōʻaiʻē uku me kahi CI maikaʻi ʻole a wehe i nā lohi i nā uku, a noʻonoʻo pū i nā panakō e nānā ʻole i ka moʻolelo hōʻaiʻē o ka mea hōʻaiʻē.

Ma ke ala, ua ʻike anei ʻoe i ke kālā e pono ai? E hoʻomaka i ke kālā ma ka ʻokoʻa o nā helu hoʻololi ma aneʻi!

I ka papa o ka heluhelu ʻana i ka ʻatikala i hōʻike ʻia, e aʻo ʻoe:

Ma hea e loaʻa ai kahi hōʻaiʻē pūnaewele me ka mōʻaukala hōʻaiʻē maikaʻi ʻole;
He aha nā hana e pono ai e mālama i kahi hōʻaiʻē no ka poʻe i hōʻino i kā lākou mōʻaukala hōʻaiʻē a me ka lohi o ka uku ʻana i nā uku;
ʻO nā panakō a me nā MFI e nānā ʻole i ka mōʻaukala hōʻaiʻe o nā mea kūʻai aku.

I ka hopena o ka ʻatikala, kau ʻia nā pane i nā nīnau hoihoi loa.

E lilo ka ʻatikala i mea maikaʻi i ka poʻe āpau e makemake e hōʻaiʻē kālā me ke kūlana maikaʻi ʻole. ʻO ka manawa ke kālā. No laila, mai nalowale, e hoʻomaka i ka heluhelu ʻana i kēia manawa.

Ma ke ala, hāʻawi nā ʻoihana aʻe i nā kūlana ʻoi loa no nā hōʻaiʻē:

Kūlana	Hoʻohālikelike	E koho i ka manawa	Huina palena nui	Huina liʻiliʻi	Makahiki kaupalena	Nā lā hiki
1	Kumukūʻai	3 min.	RUB 30,000 Huli aku!	RUB 100	18-65	7-21 mau lā
2	Kumukūʻai	3 min.	RUB 70,000 Huli aku!	RUB 2,000	21-70	10-168 mau lā
3		1 min.	RUB 80,000 Huli aku!	RUB 1,500	18-75	5-126 mau lā.
4	Kumukūʻai	4 mau minuke	RUB 30,000 Huli aku!	RUB 2,000	18-75	7-30 mau lā
5	Kumukūʻai	-	RUB 70,000 Huli aku!	RUB 4,000	18-65	24-140 lā.
6		5 mau minuke.	RUB 15,000 Huli aku!	RUB 2,000	20-65	5-30 mau lā

I kēia manawa e hoʻi i ke kumuhana o kā mākou ʻatikala a hoʻomau.

Ma ke ala, hāʻawi nā ʻoihana aʻe i nā kūlana ʻoi loa no nā hōʻaiʻē:

Kūlana	E koho i ka manawa	Huina palena nui	Huina liʻiliʻi	Makahiki kaupalena	Nā lā hiki
1	3 min.	RUB 30,000 Huli aku!	RUB 100	18-65	7-21 mau lā
2	3 min.	RUB 70,000 Huli aku!	RUB 2,000	21-70	10-168 mau lā
3	1 min.	RUB 80,000 Huli aku!	RUB 1,500	18-75	5-126 mau lā.
4	4 mau minuke	RUB 30,000 Huli aku!	RUB 2,000	18-75	7-30 mau lā
5	5 mau minuke.	RUB 15,000 Huli aku!	RUB 2,000	20-65	5-30 mau lā

I kēia manawa e hoʻi i ke kumuhana o kā mākou ʻatikala a hoʻomau.

E heluhelu e pili ana i ka lawe wikiwiki ʻana i kahi hōʻaiʻē me kahi moʻolelo hōʻaiʻē maikaʻi ʻole a me ka hoʻopaneʻe ʻana i nā uku, kahi a nā hui hōʻaiʻē e nānā ʻole ai iā CI nā mea hōʻaiʻē a hāʻawi i nā hōʻaiʻē me ka hōʻole ʻole - heluhelu i kēia helu

1. He aha e hana ai inā ʻoe e pono e loaʻa kahi hōʻaiʻē kālā uku me ka mōʻaukala hōʻaiʻē maikaʻi ʻole. 💡

ʻIke pinepine ke kanaka o kēia ao i nā hanana i manaʻo ʻole ʻia. Ua hoʻopaneʻe ka uku, ua haki ke kaʻa, pono ke kālā no nā lāʻau - hiki i kēia mau mea āpau ke huli i nā koho hōʻaiʻē. Hiki i ke kūlana ke lilo i mea paʻakikī inā hōʻinoʻino ʻia ka mōʻaukala hōʻaiʻē.

Inā ʻoe e pono i kahi liʻiliʻi no kahi wā pōkole - 5-10 tausani ma mua o ka uku (no ʻelua mau pule), he mea kūpono ke hoʻolohe i ka mea i kapa ʻia. microloans... Hiki iā ʻoe ke loaʻa i kahi liʻiliʻi ma kēia ala ma ke keʻena o ka mea hōʻaiʻē pololei paha ma o ka Pūnaewele ma ka hoʻoili ʻana i kahi kāleka panakō. Ua wehewehe mua mākou i ka pehea e lawe ai i kahi microloan ma kahi kāleka me ka ʻole o ka hōʻole ʻana me ka mōʻaukala hōʻaiʻē maikaʻi ʻole i kā mākou ʻatikala.

I kēia lā hāʻawi ʻia nā lawelawe like nā hui microfinance (MFO)... ʻO ka noi nui no ia mau hōʻaiʻē ua alakaʻi i ka hoʻonui ʻana i ka nui o nā ʻoihana e hoʻopuka nei iā lākou i ka mākeke. ʻO ka papa inoa o nā MFO e hoʻopuka nei i nā hōʻaiʻē liʻiliʻi ma ka pūnaewele ma kahi kāleka a puni ka uaki ma waena o Rūsia hiki ke loaʻa ma kā mākou pūnaewele.

Manaʻo ka poʻe he nui nā MFI i kahi hanana maikaʻi ʻole i ka hoʻokele waiwai, e ʻōlelo neiHoihoi hoihoi... Akā me ka hoʻohana kūpono o nā microloans, hiki iā lākou ke kōkua e haʻalele i kahi kūlana paʻakikī.

Me ka helu pono ʻana a me ka hoʻokō ʻana i ka ʻaelike no ka huina liʻiliʻi, a me ka hoʻihoʻi ʻana o ka hōʻaiʻē i ka wā hiki loa, ʻo ka nui o ka uku paneʻe e like paha me ka mea nui ʻole ke hoʻohālikelike ʻia me nā pono mai ka loaʻa koke ʻana o ke kālā. Eia kekahi, ʻo microloan kekahi o nā ala e loaʻa ai ke kālā i ka hōʻaiʻē. malalo o ka hōʻaiʻē maikaʻi ʻole.

Hiki ke wehewehe maʻalahi ʻia ka uku nui - ʻo kēia wale nō ke ala e hōʻoia ai nā MFI i kā lākou pilikia. ʻO nā uku paneʻe kiʻekiʻe wale nō e ʻae i nā ʻoihana e hana me nā mea hōʻaiʻē nāna ka mōʻaukala hōʻaiʻē e hōʻino ʻole ʻia.

ʻAe ka uku paneʻe kiʻekiʻe i ka MFI e hoʻonohonoho i nā kūlana maikaʻi.

kahi ākea makahiki o nā mea hōʻaiʻē - hiki i nā kamaʻāina ke noi no kahi hōʻaiʻē mai 18 mau makahiki ai ka ʻelemakule pala;
ʻaʻohe palapala, nā mea hōʻoiaʻiʻo, hoʻohiki a me nā palapala hou e koi ʻia;
ʻaneʻane hoʻokau inoa koke - kaha i loko o 15 minuke;
loaʻa kālā ma ka uaki, ʻehiku lā o ka pule;
ka hana loan ʻana a me ka haʻalele ʻana i nā kālā i ke ʻano pūnaewele;
ʻaʻohe pono e hōʻoia i ka mana o ka hana;
loiloi kiʻekiʻe - e pili ana 95% o nā noi āpau, aneane hiki ʻole ke hōʻole ʻia

2. Kahi e loaʻa ai kahi hōʻaiʻē koʻikoʻi me ka hōʻole ʻole ʻia me ka mōʻaukala hōʻaiʻē maikaʻi ʻole ma ka pūnaewele - nā mea hāʻawi kālā TOP-7 e hāʻawi nei i nā kūlana maikaʻi loa 📑

Hiki ke hoʻonohonoho ʻia nā hōʻaiʻe koʻikoʻi e like me i nā MFIa i nā panakō... Ke hoʻohana nei i ia mau papahana, hiki iā ʻoe ke loaʻa ke kālā āu e makemake ai i ka wā e hiki ai ma ka hāʻawi ʻana i kahi palapala liʻiliʻi loa. Manaʻo ʻia ma lalo 7 nā hui e hāʻawi nei i nā kūlana microcredit ʻoi loa.

1) 24 Waiwai

ʻOihana 24 Waiwai hana ma ka panalāʻau o ke kapitala a ʻoi aku. Maʻaneʻi hiki iā ʻoe ke kiʻi i kahi hōʻaiʻe koʻikoʻi i ka nui a i 15,000 rubles... No ke noi ʻana, pono wale ʻoe i kahi passport. Hāʻawi ʻia nā hōʻaiʻē i nā poʻe ʻelemakule 21-65 makahiki. Lawe ʻia ke kau inoa ʻaʻole hou aku 15 mau minuke.

Uku ʻia ka ʻaiʻē me ka uku panee ma ka helu o kēlā me kēia lā 2%. Pono e hoʻihoʻi i nā kālā i loko 28 nā lā. Inā hiki ʻole ke uku i ka hōʻaiʻē i ka manawa kūpono, hiki iā ʻoe ke hoʻohana i ka lawelawe hana hou.

2) Opti-kālā

Maʻaneʻi hiki iā ʻoe ke kiʻi i kahi microloan i ka nui a i 30,000 rubles... ʻO ka manawa kiʻekiʻe e pono ai e hoʻokō i kāu mau kuleana - hookahi makahiki... ʻO ka uku no ka hoʻohana kālā ʻana 2% i ka lā. Noi i Opti-Kālā hiki i kēlā me kēia i huli 18 makahiki. Mai ka manawa o kona hoʻopaʻa inoa ʻana a hiki i ka loaʻa ʻana o ke kālā, ʻaʻole hou aku 10 mau minuke.

He nui nā hoa o ka hui ma ka mākeke lawelawe uku. Mahalo i kēia, hiki i ka mea hōʻaiʻē ke koho i kahi ala kūpono e uku ai i kahi hōʻaiʻē mai ka nui o nā mea i noi ʻia. Hiki iā ʻoe ke uku i ka lālā kokoke o ka hui, ma o ke kālā uila, mai kahi kāleka panakō.

3) Kālā koi

No ke noi ʻana i kahi hōʻaiʻē i Kālā koi hoʻokahi palapala e pono ai - passport a i ʻole kekahi mea like... I ka manawa o ka hāʻawi ʻana i kahi hōʻaiʻē, pono ka mea noi ma ka liʻiliʻi 21 makahiki a ʻaʻole hou 70 makahiki. Ma hope o ka hoʻouna ʻia ʻana o ka palapala noi, e nānā ka luna hōʻaiʻē iā ia. E lawe ia ʻaʻole ma mua o 5 mau minuke... Inā hoʻoholo maikaʻi, hiki iā ʻoe ke loaʻa kālā ma ke keʻena kokoke o ka ʻoihana a i ʻole ke kāleka i wehe ʻia ma nā panakō.

Hiki ke koho ʻia ka hōʻaiʻē nui mai ka laulā mai ka 1,000 a i ka 30,000 rubles... Hoʻopuka ʻia ka hōʻaiʻē ma ke ʻano he uku i ka nui o 2% i ka lā.

E waiho ʻoe i ke kālā e uku ai i ka ʻaiʻē i loko 16 nā lā. Inā hiki ke hana ma mua, e hoʻohelu hou ʻia ka pākēneka. I nā hihia kahi hiki ʻole ke uku ʻia ka hōʻaiʻē i ka manawa, ʻae ka ʻoihana lawelawe hoʻolōʻihi loan.

4) ʻO Fastmoney

I ka hui ʻO Fastmoney hiki iā ʻoe ke kiʻi i kahi hōʻaiʻe koʻikoʻi i ka nui mai 3,000 a 35,000 rubles... ʻO ka helu o kēlā me kēia lā mai 1,3 ma mua 2 pakeneka. Hoʻoholo ʻia ka huina pono o ka hoihoi i ka manawa o ka noʻonoʻo ʻana o ka noi, e lawe ana ma kahi o 15 mau minuke.

Hoʻopuka ʻia ka hōʻaiʻē no kahi wā 31 lā. Inā makemake ʻia, ma ka hopena o ia, hiki iā ʻoe ke hoʻohana lawelawe hou.

5) ʻO Promsvyazbank

I kēia panakō, me ka hoʻohui i nā lawelawe kālā maʻamau, hiki iā ʻoe ke ʻoka ʻaelike ʻaelike kau... ʻAʻole like me nā huahana hōʻaiʻē ʻē aʻe, i kēia hihia, ʻo nā mea me ka mōʻaukala hōʻaiʻē i hōʻino ʻia hiki ke ʻae ʻia.

Hiki ke hāʻawi ʻia kahi hōʻaiʻē no ka nui a i 300,000 rubles... I kēia hihia, ʻo ka helu 35% no ka makahiki. Hiki ke maʻalahi i ke kaʻina hana o ka loaʻa kālā ʻana. No kēia mea pono hoʻopuka i kahi kāleka Promsvyazbank, kahi e hoʻoili ʻia ai ka hōʻaiʻē.

6) Sovcombank

Hāʻawi ʻo Sovcombank e hoʻohana polokalamu Hoʻohui Plus... ʻAe iā ʻoe e hāʻawi i kahi hōʻaiʻē i ka nui a i 30,000 rubles... E hana ai i kēia, pono ʻoe e hōʻike i hoʻokahi palapala wale nō - passport... ʻAʻole i ʻoi aku ka lōʻihi o ka hōʻaiʻē ma mua o hoʻokahi makahiki. Noonoo ʻia ka noi ma ka lā i waiho ʻia ai.

Ma lalo o nā ʻōlelo o ka papahana hōʻaiʻē, ʻaʻohe pono e hoʻolako i ka panakō me kahi ʻōlelo o ka loaʻa kālā, a me ka mea e ʻumeʻume i nā mea hōʻoia. Eia nō naʻe, hiki i ka hoʻohana ʻana i nā mea hana hou aʻe o ka hōʻoia o ka solvency ke hoʻonui i ka likelike o ka ʻae ʻia, a me ka loaʻa ʻana o nā ʻōlelo i ʻoi aku ka maikaʻi ma ka hōʻaiʻē.

7) Bank Orient Express

Aia nā lālā o kēia panakō i ka hapa nui o nā kūlanakauhale Lūkia. Me ka ʻole o nā mea hōʻoiaʻiʻo a me nā palapala hōʻoia kālā, ma aneʻi hiki iā ʻoe ke loaʻa kahi hōʻaiʻē i ka nui o mai 25,000 a i 200,000 rubles... Pono e uku i ka hōʻaiʻē wikiwiki i loko 3 mahina.

ʻAe kahi hale hōʻaiʻē e ʻae iā ʻoe e noi no kahi hōʻaiʻe ma ka pūnaewele. Hooholoia ka olelo hooholo ma loko o 5 mau minuke... ʻO kēlā me kēia mea i huli 26 makahiki.

No ka hoʻohālikelike ʻike i nā hōʻaiʻē i manaʻo ʻia, hōʻuluʻulu ʻia ka ʻike e pili ana iā lākou i ka papa.

№	Luna Hoʻokele	Ka hōʻaiʻē nui, tausani rubles	Hiki makahiki o ka mea hōʻaiʻē	Manawa hōʻaiʻē	Lākiō
1.	*24 Waiwai*	2-15	21-65 makahiki	7-28 lā	2% i kēlā me kēia lā
2.	*Opti-Kālā*	A i 30	18-70 mau makahiki	Hiki i 1 makahiki	2% i kēlā me kēia lā
3.	Kālā koi	1 a 30	21-70 mau makahiki	3-16 mau lā	2% i kēlā me kēia lā
4.	*ʻO Fastmoney*	3 a 35	18-65 makahiki	7-31 mau lā	1.3-2% i kēlā me kēia lā
5.	*ʻO Promsvyazbank*	A i 30	21-65 makahiki	324 mau lā	1.8% i kēlā me kēia lā
6.	*Sovcombank*	5 a 30	21-65 makahiki	Hiki i 1 makahiki	Mai ka 25% o ka makahiki
7.	*Bank Orient Express*	25 – 200	26-65 makahiki	1-3 makahiki	Mai 20% i kēlā me kēia makahiki

Ma ke ala, inā hōʻole nā panakō āpau a me nā microloans ʻaʻole e hāʻawi iā ʻoe i kahi hōʻaiʻē, a laila ʻōlelo mākou e heluhelu i kā mākou ʻatikala "Ma hea e loaʻa ai ke kālā i kēia manawa - nā ʻano i hōʻoiaʻiʻo ʻia."

3. Hiki paha ke loaʻa i kahi hōʻaiʻē no ka poʻe hana ʻole nāna ka mōʻaukala hōʻaiʻē maikaʻi ʻole. 📄

I kēia lā, he manawa kūpono ko ka mākeke kālā Lūkini e loaʻa kahi hōʻaiʻē ʻoiai no ka poʻe ʻaʻohe o lākou kūlana hana a hoʻokele e hōʻino i kā lākou mōʻaukala hōʻaiʻē. Akā i kēia hihia, ʻo ka hapanui paha, e hōʻole ʻia nā panakō.

No laila, pono ʻoe e launa pū nā hui microfinance... ʻO ka ʻoiaʻiʻo ʻaʻole lākou e alakaʻi i kahi kaha kikoʻī o nā mea hōʻaiʻe kūpono e like me nā ʻoihana hōʻaiʻē ʻē aʻe. Akā inā makemake ʻoe, hiki iā ʻoe ke ʻike i nā panakō e ʻaelike e hui pū me nā mea hōʻaiʻē kānalua.

He mea nui e hoʻomaopopo i nā ʻoihana microfinance, aia mau nā kūlana hōʻaiʻē emi iho maikaʻi ma mua o nā panakō.

Eia nō naʻe, he hōʻaiʻē ia mai kahi MFI ʻo ia wale nō ke ala hiki e lanakila ai i nā pilikia kālā i ka loaʻa ʻole o ka loaʻa kālā a i ʻole kahi moʻolelo hōʻaiʻē i hōʻino ʻia.

Ke noi nei no nā hōʻaiʻē i nā ʻoihana microfinance, pono ʻoe e mākaukau no nā helu aʻe:

kiʻekiʻe kiʻekiʻe;
palena iki hōʻaiʻē kālā a me ka manawa;
i kekahi mau hihia, ka pono e huki i nā mea hōʻoia a hāʻawi i ka waiwai i palekana.

Nā uku paneʻe kiʻekiʻe pili pū me ka hoʻonui i ka makaʻu e lawe ka mea hōʻaiʻē i ka hanana o ke alu like ʻana me kahi mea hōʻaiʻē nāna i hana mua i nā lawehala koʻikoʻi ʻole.

Ma ka hoʻonui ʻana i ka uku, ua kaupalena ka mea hōʻaiʻē i nā poho i hiki ke kū ʻia i ka hanana o kahi hōʻaiʻē maʻamau. Eia kekahi, ʻo nā kumu hoʻoweliweli kiʻekiʻe wā hōʻaiʻē pōkole a mea liʻiliʻi.

ʻO kahi alakaʻi i kēlā me kēia lā pehea e lawe ai i kahi hōʻaiʻē kālā me ka mōʻaukala hōʻaiʻē maikaʻi ʻole a hoʻopaneʻe ma kahi kāleka, moʻokāki a kālā paha

4. Pehea e loaʻa ai kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole a wehe i nā lawehala ma 7 mau kaʻina maʻalahi - nā kuhikuhi kikoʻī 📝

No ka poʻe e lawe i kahi hōʻaiʻē wikiwiki no ka manawa mua, hiki i ka paʻakikī ke hoʻomaopopo he aha nā hana a me ke ʻano o ke kaʻina e pono ai. No laila, he kikoʻī loa kēia aʻo aʻo ʻanuʻu, ka mea e kōkua e hoʻomaopopo i kēia pilikia paʻakikī.

KaʻAnuʻu 1. Ke koho ʻana i kahi hōʻaiʻē a me nā manawa hōʻaiʻē

Ke koho ʻana i kahi ʻoihana e hoʻopuka ai kahi hōʻaiʻē, mea nui mai hāʻule i ka maunu o ka poʻe scammers. I mea e hōʻalo ai i kēia, pono ʻoe e kālailai pono i nā hana o ka hōʻaiʻē. Hiki ke noʻonoʻo ʻia kahi hōʻailona o ka hilinaʻi wā lōʻihi o ka hana, a kahi helu nui o nā loiloi maikaʻi.

Ke koho ʻana i nā kūlana hōʻaiʻē kūpono, he mea nui e hoʻolohe i nā ʻōuli penei:

palena manawa hōʻaiʻē nui;
uku paneʻe (he mea nui e hoʻolohe i ka wā i hōʻike ʻia ai ka pākēneka - lā, mahina, makahiki);
pono e lawe i ka 'inikua;
aia kekahi mau komisina hou;
hiki ke uku hou i ka hōʻaiʻē ma mua o ka manawa o ka manawa me ka helu hou ʻana o ka hoihoi;
inā paha he hiki ke hoʻolōʻihi i ka manawa hōʻaiʻē.

Manaʻo ka poʻe he nui ke ʻano nui i ke koho ʻana i kahi hōʻaiʻē uku paneʻe uku paneʻe... Eia nō naʻe, aia kekahi mau pae hoʻohālikelike e hoʻopili i ke kumukūʻai o ka hōʻaiʻē. No laila, e nānā nui ʻia no ka uku hope loa.

KaʻAnuʻu 2. Ke inoa inoa o ka noi

Ma hope o ke koho ʻana i kahi hōʻaiʻē, pono ʻoe e noi no kāna hoʻopaʻa inoa. Loaʻa iā ia ka ʻike maʻamau e pili ana i ka mea hōʻaiʻē hiki. ʻO ka mea mua, kuhikuhi ʻia lākou ma aneʻi Inoa pihaa ʻo ka mea nui i makemake ʻia nā pae hōʻaiʻē – kau a huina.

Pono e noʻonoʻo i nā mea hōʻaiʻe i hiki ke hōʻoia i kā lākou solvency pono e hana pēlā ma ka pae noi.

Hiki iā ʻoe ke kuhikuhi i kahi o ka hana i kēia manawa, nā pilina o ka haku hana. He mea pono e hoʻopili i kahi scan o ka palapala e hōʻoia ana i ka pae o ka loaʻa kālā i ka noi. Hoʻonui kēia ala i nā manawa o ka hoʻoholo maikaʻi.

KaʻAnuʻu 3. Ke koho ʻana i kahi ala e loaʻa ai ke kālā

ʻO ke kaʻina hope loa i ka noi ʻana i kahi hōʻaiʻē pono e hōʻike i ke ala hea ke ala maikaʻi loa e loaʻa ai ke kālā.

Nui a hewahewa nā koho i hiki ke kiʻi i kahi hōʻaiʻē:

I kahi kāleka panakō. ʻO kēia ala hana kekahi o nā maʻalahi loa. ʻAe iā ʻoe e loaʻa kālā me ka waiho ʻole ʻana i kāu kamepiula. Ua lawa ka hōʻike ʻana i ka helu kāleka i ka palapala noi, a ma hope o kona ʻae ʻia, i loko o kekahi mau minuke e hoʻoili ʻia ke kālā. Ua kamaʻilio mua mākou e pili ana i kahi e hiki ai iā ʻoe ke lawe i kahi hōʻaiʻe ma ka pūnaewele ma kahi kāleka me ka ʻole o nā loiloi wikiwiki i ka ʻatikala i hala.
I kahi ʻeke i kahi ʻōnaehana uku uila. I kēia hihia, e loaʻa ke kālā i kekahi mau minuke. E heluhelu e pili ana i nā hōʻaiʻe pūnaewele ma ka ʻeke Qiwi i kahi ʻatikala ʻokoʻa i kā mākou makasina.
Kālā Waiwai. E hoʻokō i kēia hana o ka loaʻa kālā, pono ʻoe e hele i ke keʻena o ka mea hōʻaiʻē. Aia kekahi koho ʻē aʻe - e kāhea i ka home o ka ʻelele a i ʻole i ke keʻena (ʻo ka pinepine o kēia lawelawe uku ʻia). Aia kahi ʻatikala ʻokoʻa ma kā mākou pūnaewele e wehewehe kikoʻī pehea e loaʻa koke ai kahi hōʻaiʻē kālā a ʻo nā ʻoihana hea e hāʻawi nei i nā hōʻaiʻē hōʻike ma ka pūnaewele.

KaʻAnuʻu 4. Ke kali nei no ka hopena o ka noʻonoʻo o ka noi

ʻO ka maʻamau, ʻaʻole lōʻihi ke kali no ka ʻōlelo hoʻoholo a ka mea hāʻawi kālā. Lawe ʻia ma kahi o 5-10 mau minuke... Ma hope o ka pau ʻana o ka manawa o ka noʻonoʻo ʻana, hiki mai ka hoʻoholo a ka MFI kelepona lawe lima, a leka uila... Eia hou, hāʻawi ka hapanui o nā ʻoihana i ka hiki ke nānā i ke kūlana o ka noi. i kāu moʻokāki pilikinowehe ʻia ma kāna pūnaewele.

KaʻAnuʻu 5. Hōʻoia o ka makemake e loaʻa kahi hōʻaiʻē

Inā loaʻa kahi hoʻoholo maikaʻi ma ka noi, pono ʻoe e hōʻoia i kou makemake e lilo i mea noi. E hana ai i kēia, e hoʻokomo wale i ka kahua kūpono komo pāʻāluahoakakaia ma sms-mela kiʻi.

E hoʻomanaʻo ʻia i ke noi ʻana i kahi hōʻaiʻē ma ka pūnaewele, ʻo ia mau hana e like me ke kau inoa ʻana i kahi ʻaelike. ʻO ia hoʻi, ʻae ka mea ʻaelike i kāna mau huaʻōlelo.

KaʻAnuʻu 6. Loaʻa kālā

Ma hope o ka hoʻokō ʻana i nā hana āpau, e hoʻoneʻe kālā ʻia ka mea hōʻaiʻē. Hoʻoholo ʻia ka helu o kā lākou loaʻa e kekahi mau kumu. Akā ʻoi aku ka pinepine, hiki mai ke kālā ʻaʻole ʻoi aku ma mua o ma hope o ka hapalua hola.

Inā hoʻoholo ʻia e loaʻa kālā ma ke kālā, pono ʻoe e hoʻohui i kahi huakaʻi i ke keʻena o ka ʻoihana me kāna mau limahana. Ua kākau mākou i nā kikoʻī e pili ana i ka hāʻawi ʻana i kahi hōʻaiʻē i ke kālā ma ka pukana i hala.

KaʻAnuʻu 7. Ka lawelawe lawelawe hōʻaiʻē

ʻO ke kumu o ka lawelawe ʻana i ka hōʻaiʻē ka hoʻokō ʻana i nā kuleana i manaʻo ʻia... Pono e uku i ka hōʻaiʻē ma hope o ka palena manawa i kuhikuhi ʻia i loko o ka ʻaelike. ʻAʻole ʻoe e ʻae i nā lawehala, i hiki ke hoʻonāukiuki i ke kūlana me ka mōʻaukala hōʻaiʻē i hōʻino ʻia.

Ma ka manawa like, ʻo ka uku ʻana i kāu ʻaiʻē ma ka manawa kōkua e hoʻomaikaʻi i kou kaulana. ʻO ka hopena, hiki i ka mea hōʻaiʻē i ka wā e hiki mai ana ke helu i nā ʻōlelo hōʻaiʻē ʻoi aku ka maikaʻi.

Aia kahi ʻatikala ʻokoʻa ma kā mākou pūnaewele e pili ana pehea e loaʻa ai kahi hōʻaiʻē kaʻa me kahi moʻolelo hōʻaiʻē maikaʻi ʻole - aʻoaʻo mākou iā ʻoe e heluhelu ia.

5. ʻO nā panakō hea e nānā ʻole i ka mōʻaukala hōʻaiʻē o ka mea hōʻaiʻē - TOP-5 panakō e nānā ʻole iā CI 📊

Inā loaʻa iā ʻoe nā pilikia me kāu mōʻaukala hōʻaiʻē, ʻo ka loaʻa paha o kahi hōʻaiʻē ke kū nei iā ʻoe e hoʻopili aku iā MFI. Eia nō naʻe, aia kekahi mau panakō ʻaʻole nānā i ka inoa o nā mea hōʻaiʻē a he mea ʻole paha kā lākou mōʻaukala hōʻaiʻē. E hoʻāʻo maoli ʻoe e noi no kahi hōʻaiʻē i kēia mau ʻoihana, ʻoiai ʻoi aku nā kūlana maikaʻi o nā panakō no nā mea hōʻaiʻē.

No laila, ʻo nā panakō hea e nānā ʻole i ka mōʻaukala hōʻaiʻē:

1) Kūlana Lūkini

He panakō ʻo Lūkia Lūkini e hana kuʻuna me nā mea hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole. Aia kahi manawa e loaʻa ai kahi hōʻaiʻē i ka nui o mai 3,000 a i 300,000 rubles... Akā pono e hoʻomanaʻo ʻia no ka poʻe e noi nei i kahi hōʻaiʻē ma ka Lūkini Lūkini no ka manawa mua, e kaupalena ʻia kāna nui.

ʻO ka manawa ʻoi loa no nā hōʻaiʻē i hāʻawi ʻia ma aneʻi 2 o ka makahiki, palena iki - 3 mahina... Koi ʻia nā palapala e noi. ʻO kēia ka passport maʻamau a me ka palapala ʻike ʻelua.

2) Sovcombank

Mākaukau ʻo Sovcombank e hāʻawi i kahi mea hōʻaiʻe kūpono i kekahi mau papahana hoihoi. Manaʻo ʻia kekahi o nā hōʻaiʻē maikaʻi loa Hoʻohui hoʻohui... E like me nā ʻōlelo, hiki iā ʻoe ke loaʻa mai 5,000 a i 40,000 rubles a hiki i hoʻokahi a me ka hapa makahiki. I kēia hihia, ʻo ka helu hōʻaiʻē ma kahi o 29.9% o ka makahiki.

Kanalua ʻole pākuʻi ʻo nā papahana ka nele o ka pono e palapala i ka loaʻa kālā, a me ka hāʻawi ʻana i ka palekana. Eia hou, me ka uku hou ʻana i ka hōʻaiʻē i ka manawa kūpono, aia kahi manawa kūpono e hōʻemi ai i ka helu e 5%.

3) ʻIke home

Ke hana nei ka panakō ma ka mākeke Lūkini mai 2002. I loko o kēia manawa, ʻaʻole hiki iā ia ke hana i kahi kahua laulā ākea, akā ua hoʻomohala pū kekahi i nā hāʻawi hōʻaiʻē hoʻowalewale.

Maʻaneʻi hiki iā ʻoe ke loaʻa kahi hōʻaiʻē no ka nui mai ka 10,000 a i ka 30,000 rubles... E uku piha ʻia ia i hoʻokahi makahiki... ʻO ka uku paneʻe makahiki ma ia hōʻaiʻē 19,9%. Inā lawe ʻoe i ka uku hōʻaiʻē a koʻikoʻi a hana ia i ka manawa, hiki iā ʻoe ke hilinaʻi i ka hoʻomaikaʻi ʻana i nā kūlana hōʻaiʻē.

4) ʻIke Renaissance

Ma Renaissance Credit, hiki ke loaʻa kahi hōʻaiʻē me ka hoʻohana ʻana i kekahi o nā papahana hōʻaiʻē he nui. Maʻaneʻi hiki iā ʻoe ke kiʻi 30,000 rubles, ka uku paneʻe e uku ʻia 15,9 makahiki.

Aia ka manawa hōʻaiʻē i ke ʻano o ka papahana i koho ʻia. Hiki iā ia i ka laulā mai 2 a 5 mau makahiki... Aia ka maʻalahi o ka panakō no ka mea kūʻai aku i ka hiki ke noi wikiwiki no kahi hōʻaiʻe ma ka pūnaewele.

5) B&N Bank

Kūpono ʻo B&N Bank i nā kamaʻāina me ka mōʻaukala hōʻaiʻē maikaʻi ʻole. ʻOiai ʻo ia mau mea hōʻaiʻē ka manawa e loaʻa ai kahi hōʻaiʻē ma nā ʻōlelo maikaʻi loa.

ʻO ka nui i hāʻawi ʻia ma aneʻi mai 100 000 ma mua 1 000 000 ʻōpala... I kēia hihia, ʻo ka helu 16,5% no ka makahiki. ʻO ka wā kiʻekiʻe e hiki ai ke hoʻopaʻa i kahi ʻaelike hōʻaiʻē 7 makahiki. ʻO ka drawback wale nō o ka panakū ka noʻonoʻo lōʻihi o ka noi - a i 4 mau lā.

No kahi hoʻohālikelike kūpono, hōʻike ʻia nā panakō āpau i ka papa.

№	ʻO ka hui hōʻaiʻē	Kālā hōʻaiʻē, rubles	Ka helu,% no ka makahiki	Kau kau
1.	*Lūkini hae*	3 000-300 000	47,89	3 mahina i 2 makahiki
2.	*Sovcombank*	5 000-40 000	29,9	1.5 mau makahiki
3.	*ʻAoʻao home*	10 000-30 000	19,9	1 makahiki
4.	*ʻO Credit Credit*	30 000-500 000	15,9	2-5 mau makahiki
5.	*B&N Bank*	100 000-1 000 000	16,5	7 makahiki

Aia kahi ʻatikala ʻokoʻa ma kā mākou pūnaewele e haʻi kikoʻī ana i ka panakō hea ʻoi aku ka maikaʻi e lawe i kahi hōʻaiʻē mea kūʻai ma ka palena palena palena haʻahaʻa - paipai mākou e heluhelu ia.

6. Pehea e hoʻonui ai i ka likelike o ka hōʻaiʻē i ke kālā a i ʻole ke kāleka me ka mōʻaukala hōʻaiʻē maikaʻi ʻole i hoʻokahi haneli pākēneka (100%)

Hoʻomaopopo ʻia ka mākeke kālā hou e ka nui o nā hāʻawi hōʻaiʻē. No laila, hiki mau inā hōʻole kekahi hui e hāʻawi i kahi hōʻaiʻē, e hoʻoholo maikaʻi kekahi i ka noi.

Akā inā pono e loaʻa koke ke kālā, pono ʻoe e hoʻoikaika i ka ʻae ʻana i ka manawa mua.

Hiki ke hāʻawi ʻia nā mea hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole Eia kekahi ʻōlelo aʻoaʻo e hoʻonui ai i kou manawa e ʻae ʻia ai:

Pono e hoʻouna i ka palapala noi i nā hui hōʻaiʻē i hoʻokahi manawa. Mālama kēia i ka manawa he nui. Ke kali nei no kahi hoʻoholo e hana ʻia i ka manawa like. Inā hele mai ka ʻae mai kekahi mau mea hōʻaiʻē, lawa ia e koho ai i kahi me nā kūlana hōʻaiʻē maikaʻi loa.
Pono e hopohopo e pili ana i ka loaʻa mua o kahi mea hōʻoia. ʻO nā hōʻaiʻē i hōʻoia ʻia e ka ʻaoʻao ʻekolu ʻaʻole loaʻa kahi manawa ʻoi aku ka maikaʻi o ke ʻae ʻia, akā aia kekahi manawa o ka loaʻa ʻana o nā huaʻōlelo maikaʻi.
Inā hiki, e hoʻokūpaʻa i kāu solvency. Hiki i ka hoʻolako ʻana i ka hōʻike kālā ke hoʻonui i ka likelike o ka ʻae ʻia o ka noi.
E hoʻohana i nā manawa kūpono āpau e hoʻomaikaʻi ai i kāu mōʻaukala hōʻaiʻē.ʻO ka poʻe makemake e loaʻa nā hōʻaiʻē i ka wā e hiki mai ana e pono e hoʻohana i nā kaʻina hana e hoʻomaikaʻi ai i ko lākou kūlana maikaʻi ma ke ʻano he poʻe hōʻaiʻē.

7. ʻAihue hōʻaiʻē - pehea e hōʻalo ai i ka lilo ʻana i luahi o ka hoʻopunipuni

I kēia lā, nui ka poʻe e hoʻāʻo nei e loaʻa kālā ma nā wahi paʻakikī o haʻi. I kēia mau lā, he nui loa o poʻe hoʻopunipunika poʻe e ʻimi nei e loaʻa kālā ma o ka hoʻohana ʻana i ka hemahema kālā o nā Lūkini.

Nā ʻōlelo aʻoaʻo pehea e hōʻalo ai i ka hopu ʻia e ka poʻe scammers hōʻaiʻē

No ka poʻe e kū nei i kahi hāʻawi o nā kūlana hōʻaiʻē maikaʻi loa, mai hilinaʻi makapō i ka mea nāna e hōʻaiʻē... Ma ka ʻaoʻao ʻē, pono ia e akahele. He mea ʻole ia mai ka mea i ukali ʻia ka makana waiwai - mai kahi mea hōʻaiʻē hōʻaiʻē, kanaka pilikino a i ʻole IFI, nā kūlana maikaʻi loa kekahi o nā hōʻailona o ka hoʻopunipuni. He ʻatikala kūikawā kā mākou e pili ana i nā hōʻaiʻē mai nā kānaka kūʻē i ka loaʻa - hiki iā ʻoe ke hoʻomaʻamaʻa iā ʻoe iho me ia.

ʻO ka ʻoiaʻiʻo ʻo ka ʻoi o ka uku o kahi hōʻaiʻē ʻaʻole ia ma ka helu uku paneʻe wale nō. Loaʻa i nā kūlana o kāna hoʻopaʻa inoa ʻana uku hou e like me 'inikua, nā hoʻopaʻi hoʻopaʻi hou a me nā uku hoʻopili ʻē aʻe.

Ma mua o ka hoʻohana ʻana i nā lawelawe o kahi ʻoihana hōʻaiʻē, pono e ʻohiʻohi i ka nui o ka ʻike e pili ana iā ia i hiki. Pono ʻoe e ʻike inā loaʻa iā ia laikini hanaʻehia mau makahiki i koe. He mea pono nō ke aʻo nā loiloi a nā mea kūʻai aku... Inā loaʻa nā ʻike o ka hoʻopunipuni i nā hana a ka mea hōʻaiʻē, e loaʻa paha nā manaʻo maikaʻi ʻole o nā mea hōʻaiʻē.

He mea nui e hoʻomaopopoʻo ke koi e hana i kahi uku mua IMUA he kū kānāwai ka hopena o ka ʻaelike. ʻOiai ʻo ka uku haʻahaʻa ma kahi molaki a i ʻole hōʻaiʻe kaʻa e hana ʻia ma hope wale nō o ke kau inoa ʻana i nā ʻaelike e pono ai.

ʻO ka pinepine, koi ʻia e uku i kahi uku lawelawe ma mua o ka loaʻa ʻana o kahi hōʻaiʻē nā poloka ʻeleʻele... ʻO nā ʻoihana e hāʻawi i ke kōkua maoli i ka loaʻa ʻana o kahi hōʻaiʻē e loaʻa ka uku no kā lākou lawelawe ma ka hopena o kahi ʻaelike hōʻaiʻē.

8. Nā nīnau i nīnau pinepine ʻia (FAQ) 💬

Ke kiʻi nei i kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole - ʻaʻole maʻalahi ke kaʻina hana... No laila, hāpai ia i nā helu he nui o nā nīnau. E hoʻāʻo mākou e pane hou aku i ka poʻe pili pinepine i nā mea hōʻaiʻē e hiki mai ana.

Nīnau 1. Aia paha kahi manawa e loaʻa ai kahi hōʻaiʻē no kahi penihana me ka mōʻaukala hōʻaiʻē maikaʻi ʻole.

ʻO kahi mōʻaukala hōʻaiʻē maikaʻi ʻole ma nā MFI he nui ʻaʻole ia he kumu no ka hoʻoholo maikaʻi ʻole ʻana i kahi noi hōʻaiʻē. Hoʻopuka ka hapa nui o kēia mau hui i ke kālā me kahi kīnā ʻole, ʻo ia ka pōmaikaʻi nui o ka microcredit no nā mea kūʻai aku.

Aia i waena o nā ʻoihana microfinance i makemake nui ʻia:

Kālā wikiwiki;
ʻOiaʻiʻo;
Kredito24;
VIVA;
KālāMan;
Kālā home;
E Loan.

Ma waena o nā waeʻano o nā mea kūʻai aku i loaʻa ka manawa kūpono e hoʻonā i kahi kūlana kālā paʻakikī ma o ka microcredit, ʻoiai inā he inoa maikaʻi ʻole ko lākou, aia pū kekahi nā penihana... I kēia hihia, ua lawa ka waiho ʻana i kahi noi ma o ka Pūnaewele a kali i kahi hoʻoholo maikaʻi e pili ana iā ia.

Ua kākau mākou e pili ana pehea a me kahi e hiki ai iā ʻoe ke loaʻa ka hōʻaiʻē ʻoi loa a maikaʻi loa hoʻi no nā poʻe penihana i hoʻokahi o kā mākou pilikia ma mua.

Nīnau 2. He kūpono paha ia e lawe i kahi hōʻaiʻē 60,000 - 100,000 - 200,000 - 250,000 - 300,000 - 1,000,000 rubles me kahi CI maikaʻi ʻole.

Hiki i kēlā me kēia mea ke komo i kahi hanana paʻakikī e koi ai i nā kumukūʻai kālā koʻikoʻi. E hoʻomaopopo ia i ka manawa pinepine e noi ana i kahi hōʻaiʻē, hoʻokani ʻia ka hana nui e mōʻaukala hōʻaiʻē... ʻO ia ka mea no ka hapa nui o nā ʻoihana e hoʻopuka nei i nā hōʻaiʻē kahi hōʻailona o ka solvency o kahi mea hōʻaiʻe kūpono.

ʻAʻole nā kānaka āpau kapa panakō ʻae e hana pū me nā mea hōʻaiʻē nāna i hoʻokō mua i kā lākou kuleana hōʻaiʻē ma ka manaʻoʻiʻo ʻole. I ka manawa like, nui IFI ʻae e hui i nā mea kūʻai aku.

Pono e hoʻomanaʻo ʻia e nānā ana kekahi ʻoihana microfinance i ka inoa o ka mea hōʻaiʻē e hiki mai ana. ʻO ka maka wale o ka hapa nui o lākou e ʻike maka i nā pilikia me ia. E heluhelu e pili ana i ka nānā ʻana i kāu mōʻaukala hōʻaiʻē iā ʻoe iho ma kekahi o kā mākou ʻatikala.

I kēlā me kēia hihia, ʻae ʻia nā wae aʻe o nā mea kūʻai aku no ka hōʻaiʻē.

ka loaʻa ʻana o ka mōʻaukala hōʻaiʻē kiʻekiʻe;
he mau mea ʻaiʻē ʻo MFI ma mua.

He mea nui e hoʻomaopopo me ka mōʻaukala hōʻaiʻē maikaʻi ʻole, he paʻakikī loa e kiʻi i kahi hōʻaiʻē nui. Inā makemake ʻoe e hāʻawi ʻia i loko IFI e nānā pono i loa hōʻaiʻē kālāka mea kākaʻikahi keu 50 tausani rubles.

Eia nō naʻe, hiki nō ke kiʻi i kahi hōʻaiʻē nui. Akā he mea nui ka hana.

ʻO ke ala mua hoʻokumu ʻiaenii i kahi hōʻaiʻē MFO no liʻiliʻi ka huina... Maʻamau ʻaʻole ia i ʻoi aku 10 000 ʻōpala Inā uku maikaʻi ʻia, hiki iā ʻoe ke helu i ka nui. No laila i kēlā me kēia ʻāpana hiki iā ʻoe ke hele mālie i laila ma mua ʻoi loa nui hōʻaiʻē i hāʻawi ʻia e ka MFI e hoʻohana ʻia nei.

Ma hea ʻoe e loaʻa ai nā hōʻaiʻē nui me ka mōʻaukala hōʻaiʻē maikaʻi ʻole.

Ma waena o nā ʻoihana e hana nei me nā hōʻaiʻē nui nui, hiki ke ʻike ʻia ka mea aʻe:

Hoaie Dala - ka nui o nā rubles 200,000;
CR 911 - nā hōʻaiʻe a 100 mau rubles;
Onezaim - ka nui o 100,000 rubles;
Uku Uniona hōʻaiʻē a hiki i 100 tausani rubles.

I loko o kahi ʻatikala ʻokoʻa, ua kākau mākou i nā panakō hea e hāʻawi i nā hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole a hoʻopaneʻe i ka uku paneʻe haʻahaʻa.

ʻO ka lua o ka koho e hoʻāʻo hoʻopaʻa moʻolelo mōʻaukala... Lōʻihi ke kaʻina hana. Akā ʻo ka hopena o ia ka ʻae ʻia o nā hōʻaiʻē i nā panakō, ʻo ia hoʻi ʻaʻole wale nā kūlana maikaʻi, akā ʻo ka nui o ka hōʻaiʻē nui.

Nui a hewahewa nā ʻōlelo aʻoaʻo e hoʻoponopono ai i kāu mōʻaukala hōʻaiʻē:

Noi i nā manawa he nui a uku i kahi hōʻaiʻē liʻiliʻi i ka manawa. I ka manawa like, pono e hoʻomākaukau kekahi no ka ʻoiaʻiʻo ʻaʻole ʻae nā mea hōʻaiʻē āpau i ka noi i waiho ʻia. Eia kekahi, ʻaʻole pono nā kumu hōʻaiʻē.
Hoʻihoʻi i kahi hōʻaiʻē ma mua o ka manawa o ka manawa, ka hāʻawi ʻana i ka loaʻa kālā ma ke ʻano i hiki ke hana i nā nui e uku aku aie. Hiki i kēia ala ke hoʻokūpaʻa iā ʻoe iho ma ke ʻano he hōʻaiʻē kuleana.
E kiʻi i kahi kāleka hōʻaiʻē no ka palena palena iki a lawelawe me ka maikaʻi. ʻO ka hoʻihoʻi wikiwiki ʻana o nā kālā hōʻaiʻē e hōʻalo i nā uku ukupanee. I ka manawa like, hiki i kēia ala ke alakaʻi i kahi hoʻonui i ka palena hōʻaiʻē. (Ua kamaʻilio mākou e pili ana i ka loaʻa ʻana o kahi kāleka hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole ma mua o kekahi o kā mākou pilikia.
Inā he lohi, ʻaʻole pono ʻoe e hūnā mai ka mea hōʻaiʻē. ʻO ka manawa pinepine, hiki ke hoʻonā ʻia ka pilikia me ka maluhia, ʻaʻohe hopena koʻikoʻi i ka mōʻaukala hōʻaiʻē.

E hoʻomanaʻo pū ʻia hoʻi ua kāpae wale ʻia ka ʻike mai ka mōʻaukala hōʻaiʻē i 15 mau makahiki... No laila, pono e hana i nā hana āpau e hōʻoia i ka maikaʻi o ka ʻike hou i loko.

Nīnau 3. ʻO wai ka mea hiki ke kōkua i nā mea hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole i ka loaʻa ʻana o kahi hōʻaiʻē.

Inā ukali ka hōʻole ʻana i nā noi hōʻaiʻē ma nā ʻoihana hōʻaiʻē he nui, ʻaʻole pono ʻoe e hopohopo.

Hiki iā ʻoe ke hoʻonui i ka manawa o ka loaʻa ʻana o kahi hōʻaiʻē ma ke kāhea ʻana i nā ʻoihana loea:

Nā poloka ʻaiʻē - nā mea kūkākūkā ma waena o ka mea hōʻaiʻē a me ka mea hōʻaiʻē nāna e kōkua e loaʻa ka ʻae ʻia no ka noi hōʻaiʻē. ʻAʻole hāʻawi kēlā mau ʻoihana i nā hōʻoia no ka ʻae ʻia, akā hoʻonui ka manawa o ka loaʻa ʻana. Eia hou, ʻo ka hapa nui o nā brokers i nā ʻaelike me nā mea hōʻaiʻē, mahalo i kēia mau hōʻaiʻē i hoʻopuka ʻia ma o lākou ma nā ʻōlelo i ʻoi aku ka maikaʻi.
ʻLelo aʻoaʻo aʻoaʻo kālā mai kōkua wale i ka loaʻa ʻana o nā hōʻaiʻē. Kūkākūkā pū lākou e pili ana i nā waihona a me ka hoʻolālā kālā.
Hale kūʻai kūʻai kālā - kahi hui e hoʻolako i ka laulā o nā lawelawe kālā. Maʻaneʻi hiki iā ʻoe ke kiʻi i nā makana no kahi hōʻaiʻē, waiho, ʻinikua mai kahi nui o nā panakō a me nā MFI.

ʻO ke kōkua o nā ʻoihana loea penei:

ke aʻo ʻana i nā kikoʻī a pau o ka hōʻaiʻe ʻana i nā ʻoihana like ʻole;
e ʻimi i kahi hōʻaiʻē;
ke waiho nei i kahi noi no kahi hōʻaiʻē;
ke koho ʻana i nā kūlana hōʻaiʻē ʻoi loa;
kōkua inā pono ʻoe refinancing;
hoʻomaulia uku.

ʻO ka maikaʻi o ka hoʻohana ʻana i nā mea kōkua loea i ka mālama manawa nui... Eia hou, no nā mea kūʻai aku i hoʻopili aku i ka panakō ma o nā mea waena, hāʻawi mākou nā ʻōlelo hōʻaiʻē ʻoi aku ka maikaʻi.

Kauoha nā brokers i ka uku no kā lākou lawelawe. Hiki ke hoʻopaʻa a helu ʻia paha ke komisina o nā mea waena ma ke ʻano he pākēneka o ka hōʻaiʻē e hāʻawi ʻia ana.

ʻO ka mea nui e hoʻomanaʻo he uku lākou i ka uku ma ka hoʻopau ʻana i kahi ʻaelike me kahi mea hōʻaiʻē. ʻO nā noi e uku no nā lawelawe o ka mea kūkākūkā ma mua e hōʻike paha i ka loaʻa ʻana o ka hoʻopunipuni i kāna hana.

No laila, ʻaʻole pono e ʻike ʻia ka mōʻaukala hōʻaiʻē ma ke ʻano he kumu no ka hōʻole ʻia o kahi noi hōʻaiʻē. Hiki iā ʻoe ke hōʻaiʻē kālā ʻoiai me kahi kūlana maikaʻi i hōʻino ʻia. Akā paʻakikī kēia hana.

No laila, he mea nui e hoʻoikaika i ka hāʻawi ʻana i ka lawelawe kūpono i nā hōʻaiʻē i loaʻa. Inā ua hōʻino ʻia ke kūlana maikaʻi, i ka wā o ka ʻae ʻia o ka noi hōʻaiʻē, ʻo ka mea nui e pale i nā lohi i ka wā e hiki mai ana.

Paipai mākou e nānā i kahi wikiō e pili ana i kahi hōʻaiʻē me kahi moʻolelo hōʻaiʻē maikaʻi ʻole.

Paipai pū mākou e nānā i kahi wikiō e pili ana i ke ʻano o CI, pehea e hoʻoponopono ai i kāu mōʻaukala hōʻaiʻē a hoʻomaka e hana i kahi manaʻo maikaʻi iā ʻoe iho:

Na mākou wale nō kēlā. Mahalo no ka heluhelu ʻana i kā mākou mea hana! Makemake mākou e loaʻa iā ʻoe i mau wahi ʻeleʻele i hiki i kāu mōʻaukala hōʻaiʻē.

E nā makamaka heluhelu o ka puke pai Manaʻo no ke ola ma ka pūnaewele, mahalo nui mākou inā ʻoe e kaʻana like i kou ʻike, makemake a me nā manaʻo e pili ana i ke kumuhana o ka paʻi ʻana i nā manaʻo ma lalo nei.