Pehea ka maʻalahi o ka loaʻa ʻana o kahi hōʻaiʻē liʻiliʻi a i ʻole hōʻaiʻē no kāu ʻoihana?
Aloha, e hoʻolālā ana māua me koʻu hoaaloha e hana i kahi ʻoihana hana liʻiliʻi. He kālā kā mākou no ka hana a me ka hoʻomohala ʻana, akā ʻaʻole maopopo iā mākou e lawa pono ia a e pono paha i nā kālā hōʻaiʻē. E haʻi mai iaʻu, paʻakikī ka loaʻa ʻana o kahi hōʻaiʻē no kāu ʻoihana a ma lalo o ke aha e maʻalahi ai ke kiʻi? ʻO Anton Chingarov, Samara.
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!
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 | Hoʻohālikelike | 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.
Aloha Anton! Nui ka poʻe e moemoeā e hoʻomaka i kā lākou ʻoihana ponoʻī. Akā pani ʻia kekahi e ka nele o ka ʻike e pono ai, ka ʻike, ka nele o ke kapikala mua, a, ʻoiaʻiʻo, kānalua iā ʻoe iho. Lawe nā mea i hoʻolalelale ʻia i kahi hōʻaiʻē mai kahi panakō (Ua kākau mākou e pili ana i ka waiwai e lawe ai i kahi hōʻaiʻē mai kahi panakō i kahi ʻatikala ʻokoʻa).
ʻAʻole ia he mea hūnā ma Iapana a me nā ʻāina ʻEulopa, ʻo ka pākēneka o nā hōʻaiʻē no ka hoʻomohala ʻoihana liʻiliʻi e pili ana 40%.
I ko mākou ʻāina, mālama ʻia ka hōʻailona o nā hōʻaiʻē ʻoihana ma ka pae 1 pakeneka... ʻO kēlā ʻano kiʻi liʻiliʻi e hiki ai i kahi hōʻaiʻē kūleʻa no ka hoʻomohala ʻana i kāu ʻoihana ponoʻī.
ʻAʻole hilinaʻi nui nā ʻoihana hōʻaiʻē ma Rūsia i nā mea kālepa hoʻomaka, no ka mea ʻaʻohe o lākou ʻike i ka hana. Hoʻomaopopo maikaʻi ʻo Banks i nā mahina mua, malia paha, ʻaʻohe waiwai o ka mea kālepa novice, a he mea liʻiliʻi paha ia a e ʻae i ka mea kālepa e uhi i nā lilo o kēia manawa. No laila, hoʻonāukiuki ka solvency o ka mea hōʻaiʻē o ia ʻano mea kūʻai aku.
ʻAʻole maʻalahi ka loaʻa ʻana o kahi hōʻaiʻē ʻoihana ma mua o ka loaʻa ʻana o kahi hōʻaiʻē e wehe iā ia. Akā e hoʻopuka hauʻoli ka panakō iā ia inā he ʻike paʻa ka mea kālepa a inā e ulu ana kāna ʻoihana. ʻO ke kūleʻa a me ka loaʻa kālā i ka hoʻomohala ʻana i mea nui i kēia hihia. Hiki iā ʻoe ke heluhelu hou aʻe e pili ana i ka loaʻa ʻana o kahi hōʻaiʻē e hoʻomaka a hoʻomohala i kahi ʻoihana liʻiliʻi mai ka wili ʻana i ka ʻatikala ma ka loulou.
No laila, e nānā pono i nā mea kikoʻī e nānā ai i ka hāʻawi ʻana i kahi hōʻaiʻē a hōʻaiʻē paha.
Parameter 1. Palapala hoʻohiki a me ka hōʻoia o ka solvency
ʻO kēlā me kēia mea e noʻonoʻo e pili ana i ka hana ʻana i kāna mea ponoʻī, he mea kūpono a kūpono hoʻi e kiʻi i kahi palapala 2-NDFL. E hōʻoia kēia palapala i ka mea makemake e lawe i ke kālā no ka ʻoihana he kumu waiwai e hiki ai iā ia ke hana i nā hapa mahina ma ka hōʻaiʻē.
ʻO ke ala ʻelua e hōʻoia ai i ka mea hōʻaiʻē hoʻohiki... I kēia hihia, palupalu nā panakō, ma ke ʻano he rula, a hāʻawi aku me ka makemake i nā hōʻaiʻē.
Eia naʻe, ʻo ka lua ma aneʻi e uhi ʻia ka collateral ma mua o 70-80% o ka hōʻaiʻē. I kēia hihia, ʻoi aku ka maikaʻi o ke kūʻai aku i kahi keʻena a loaʻa iā 100% o kāna waiwai. Eia nō naʻe, hiki iā ʻoe ke hele i ke kūʻai aku ʻana o nā hale inā he wahi e noho ai ka mea ʻaiʻē. Akā, makemake nā panakō e ʻike i ka waiwai ma mua o nā kaʻa a me nā palekana ma ke ʻano he collateral. Hōʻike ʻia nā subtleties āpau a me nā kikoʻī o ia hōʻaiʻē ma ka ʻatikala - "Pehea e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai."
Parameter 2. Mea hōʻoia
ʻO kekahi pono ʻē aʻe ke noi ʻana i kahi hōʻaiʻē hiki ke lilo i mea hōʻoia. ʻO ka mea hōʻoia, ma ke ʻano he rula, e hoʻopili i ka poʻe i ʻaʻohe o lākou waiwai e hāʻawi i collateral a i ʻole kumuwaiwai ʻē aʻe o ka loaʻa kālā. Inā ʻaʻohe mea hōʻoia, a laila mākou e paipai iā ʻoe e hoʻomaʻamaʻa iā ʻoe iho me nā mea - "Pehea e lawe ai i kahi hōʻaiʻē me ka ʻole o nā palapala hōʻoia a me nā mea hōʻoia me ka hōʻole ʻole."
Parameter 3. Papa hoʻolālā ʻoihana
ʻO kēia wale nō ka palapala no kahi mea pāʻoihana novice. Ma kāna kumu, pono i kahi mea kālepa hou e hōʻoia i ka panakō e hana ʻo ia i ka ʻoihana. No laila, i ke kaʻina o ke kiʻi ʻana i kahi hoʻolālā ʻoihana, pono ʻoe e noʻonoʻo pono i nā mea āpau, e hāʻawi i kahi loiloi kūpono o nā pilikia āpau a hōʻoia i ka loaʻa o ka ʻoihana.
Parameter 4. CI
Ke noi nei i kahi hōʻaiʻē no kahi panakō, he mea nui ka moʻolelo hōʻaiʻē o ka mea kūʻai aku. ʻO nā mea hōʻaiʻē, ma ke ʻano he rula, hoʻopaʻa pono me ke akahele loa a hoʻāʻo e ʻike inā loaʻa i ka mea noi i nā lohi i hala a i ʻole nā hōʻaiʻē i nā uku. Inā ua hōʻino ʻia ʻo CI, a laila ʻōlelo mākou iā ʻoe e heluhelu i kā mākou paʻi - "Pehea e loaʻa ai kahi hōʻaiʻē me ka mōʻaukala hōʻaiʻē maikaʻi ʻole."
Parameter 5. Mālama pilikino
E hōʻike ʻia ke koʻikoʻi o ka manaʻo o ka panakō e ka mea i loaʻa i ka mea kūʻai aku ka manawa kūpono, me ka hoʻohui i nā kālā hōʻaiʻē, e hoʻopukapuka i ka ʻoihana a me kekahi o kāna kālā ponoʻī. ʻAʻole maikaʻi ʻole ia inā liʻiliʻi ka mahele 25 pakeneka... Makemake nā mea hōʻaiʻē a hilinaʻi nui i nā mea hōʻaiʻē ʻoi aku.
Parameter 6. Nānā a me ke aʻo ʻana
ʻO ke ʻano o ka lole o ka mea kūʻai aku e hoʻopīhoihoi i nā mea mālama kālā. No laila, inā ʻaʻohe hoʻopiʻi kūpono no ke kipa ʻana i ka panakō, a laila hiki iā ʻoe ke hōʻaiʻē iā haʻi. ʻO ka ʻimi a ka ʻimi a ka hana a me kāna aʻo ʻana ua manaʻo ʻia ʻo ia ka mea e hōʻoia i ka solvency, no ka mea ʻo ke kū ʻana o kahi ʻoihana a me kahi aʻo he hōʻailona ia e ʻike maoli ka mea kūʻai aku i kāna kālā e loaʻa ai.
Huahana
Inā hōʻole ka panakō, ʻaʻole e hopohopo ka hana nui no ka mea ʻoihana novice, e manaʻoʻiʻo iā ia iho a me kāna ʻoihana e hiki mai ana. Pono e hoʻomanaʻo ʻia he nui nā mea kālepa kaulana o ka honua i hoʻomaka i kahi ʻoihana i nā manawa he nui, ua panakalupa i nā manawa he nui, akā hui pū a hoʻomaka mai ka ʻōpala. No laila, ʻaʻole loa ka hōʻole ʻana ke kumu e weliweli a hāʻawi i kāu moe. ʻOi aku ka maikaʻi e hana mālie me ke kumu o ka hōʻole a huki i nā hopena kūpono.
Paipai pū mākou iā ʻoe e hoʻomaʻamaʻa iā ʻoe iho me kā mākou puke hou - "Pehea e loaʻa ai kahi hōʻaiʻē no kahi mea kālepa ponoʻī me ka ʻole o ka collateral a me nā mea hōʻoiaʻiʻo."
I ka hopena, paipai mākou e nānā i ke wikiō "Pehea e loaʻa ai kahi hōʻaiʻē no ka wehe a me ka hoʻomohala ʻana i kahi ʻoihana":
Lana ko mākou manaʻo i hiki i nā makasina Manaʻo no ke Ola ke hāʻawi iā ʻoe i nā pane āpau i kāu mau nīnau. Makemake mākou e kū laki ʻoe a e kūleʻa i kāu mau hana āpau!