Waihona waihona (waiho kālā i nā panakō) - he aha ia a he aha nā ʻano o ka waiho kālā ma laila + 4 pae o ka helu helu ʻana

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Aloha kākou e nā makamaka heluhelu o ka puke pai Manaʻo no ke Ola online. I kēia lā e haʻi aku mākou iā ʻoe i nā waihona i loko o nā panakō a me nā ʻano o nā waihona panakō (waihona) e waiho ana, a hāʻawi i nā ʻōkuhi pehea e hiki ai iā ʻoe ke helu kūʻokoʻa i kahi waihona.

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 kēia ʻatikala, e aʻo ʻoe:

He aha ka waihona a no ke aha ia;
He aha nā ʻano o nā waihona kālā i makemake nui ʻia;
Pehea e hoʻomaulia pono ai i ka loaʻa pono o kahi waihona a ma kahi e kūpono ai ke kau kālā ma kahi waiho.

Ma ka hopena o ka paʻi e hāʻawi mākou i nā pane i nā nīnau i nīnau pinepine ʻia e pili ana i kēia kumuhana.

E heluhelu e pili ana i kahi waihona kālā, he aha nā ʻano o ka waiho kālā i hāʻawi ʻia e nā panakō, pehea e helu ai i ka ukupanee ma kahi waihona e hoʻohana nei i ka calculator pūnaewele

1. He aha ka waihona a i ʻole kahi waihona i ka panakō - kahi nānā o ka manaʻo o ka waiho kālā i nā huaʻōlelo maʻalahi 💸

ʻO ka loaʻa kālā Passive kahi hana hoihoi o ka loaʻa kālā. No ka mea e paʻa a paʻa mau ia hilinaʻi ʻia a loaʻa kālā.

Hiki iā ʻoe ke hoʻopukapuka i nā palekana, pāʻani ma ke kālepa waiwai, hana i nā hoʻopukapuka waiwai. Maikaʻi nā ʻano āpau i kā lākou ala ponoʻī a loaʻa i kā lākou mau pōpilikia ponoʻī, pākuʻi a cons... Hoʻonoho kālā i loko o waihona kālā a i ʻole waihona kālā ʻo ia ala hoʻokahi mālama a hoʻonui mālama kālā.

ʻO ke ʻano o nā huaʻōlelo "waihona" a me "deposit". ʻO ka maʻamau ka manawa "makana" Pili ia kanaka pākahia me ka manawa "waihona" - i kū kānāwai.

Waihona Waihona (a i ʻole waihona waiho panakō) - kēia kālā i waiho ʻia i loko o kahi hale hōʻaiʻē i loko o kahi kikoʻī kikoʻī no kahi manawa i kuhikuhi ʻia e loaʻa ai ka loaʻa kālā.

E nānā! Waihona he manaʻo nui aʻe. Ma waho o ke kālā, loaʻa pū:

hoʻokomo kālā o nā palekana;
nā hāʻawi i ka hoʻokolokolo e hōʻoia i ka hana kānāwai;
nā kōkua i nā ʻoihana dutee hōʻoia i ka uku ʻana i nā dute;
e hōʻoia ana i ke komo ʻana i nā kūkālā.

I loko o ka pōʻaiapili o kā mākou ʻatikala, e manaʻo ʻia nā manaʻo o nā "waihona" a me nā "waihona" he mau synonyms.

Hāpai nā hāʻawi i nā hana nui 2 (ʻelua):

Mālama lākou i ka palekana o ka mālama kālā a me nā mālama kālā.
ʻO ka uku paneʻe i ʻāpono ʻia he loaʻa paʻa.

Hiki i ke kālā waiho kālā lāhui a i ʻole haole... I kēia manawa, ʻaʻole kūpaʻa ka ruble Lūkini, no laila ke piʻi nei ka kaulana waihona kālā a i ʻole waihona i loko o euro.

Kaha! ʻO kekahi o nā ala kūpono loa e mālama ai i ka mālama kālā ʻana e waiho iā lākou i loko ʻokoʻa kālā.

ʻO nā waihona panakō, ke hoʻohālikelike ʻia me nā ʻano hoʻopukapuka ʻē aʻe, loaʻa nā maikaʻi maikaʻi.

Nā waihona kālā panakona (+):

Hōʻoia ka waihona i kahi kālā passive stable.
Maʻalahi e hāʻawi i kahi hāʻawi, ʻaʻole ia e koi i ka ʻike kūikawā. Hiki ke wehe ʻia ma ka pūnaewele me ka haʻalele ʻole ʻana i ka home.
Liʻiliʻi paha ka nui o ka hāʻawi.
ʻIinikua ʻia nā waihona panakō. Inā ʻaʻole i ʻoi aku ka nui o ka waihona ma mua o ka nui i hoʻopaʻa ʻia, ʻaʻole hiki iā ʻoe ke makaʻu i ka nalo ʻana iā ia.

Mea nui nele o (-) waihona – ukupanee haʻahaʻa... I kekahi manawa ʻaʻole ia e uhi i ka helu hoʻonui. Hiki iā ʻoe ke kamaʻilio e pili ana i ka loaʻa kālā inā loaʻa iā ʻoe ka nui o ke kālā.

Eia hou, inā e huki ʻia ka waihona ma mua o ka manawa i ʻōlelo ʻia e ka ʻaelike, he hapa iki ka pākēneka o ka loaʻa kālā. ʻOiai ʻo kēia, makemake nā mea hoʻopukapuka nui e mālama i kekahi o kā lākou waihona ponoʻī ma ke ʻano o nā waihona kālā.

Loaʻa i nā mālama kālā nui ma ka lima, pono i kekahi ke kau pololei iā lākou i mea e mālie a hilinaʻi hoʻi i ka wā e hiki mai ana.

A laila, e kālailai mākou i nā ʻano o ka waihona kālā panakō

2. Nā ʻano nui o nā waihona kālā (waihona kālā) deposits

ʻO nā panakō, e ʻumeʻume kālā ana mai nā mea kūʻai aku a kau iā lākou i ka wā e hiki mai ana, e loaʻa kā lākou pono ponoʻī. No laila, he mea nui na lākou e hoʻonui mau i ka pōʻai o nā mea kūʻai aku me kā lākou mālama pono iho. Ke hoʻomohala mau nei nā ʻoihana hōʻaiʻē i nā kūlana hou no nā waihona, hoʻomaikaʻi i ka mīkini no kā lākou wehe a me ka hana.

Nui nā waihona kālā like ʻole, ʻokoʻa i ka nui o nā helu, nā huaʻōlelo, nā ʻōlelo o ka hoʻolako a me nā uku paneʻe.

Hiki ke hoʻokaʻawale ʻia nā hāʻawi āpau i 4 ʻano nui. E nānā pono i kēlā me kēia o lākou i lalo.

ʻAno 1. Waihona kau

ʻO ka waiho manawa ka mea makemake nui ʻia a hoʻolaha ʻia, he ʻano ʻano like ʻole kona.

Ma lalo o waiho manawa e hoʻomaopopo i ka hoʻopukapuka kālā ʻana i kahi panakō no kahi wā i kuhikuhi ʻia.

Uku ukupanee pili i ka nui a me ka manawa o ke kau ʻana o nā kālā. Hiki iā ia i loko 4-8% o ka makahiki (i nā rubles), i kekahi mau panakō kiʻekiʻe. Akā inā hoʻopau koke ʻia ka ʻaelike, kau ʻia ka palena iki.

O kahi laʻana: Inā mākou e kau 50,000 rubles kau no hoʻokahi makahiki ma lalo 4,85% no ka makahiki, a laila, e noʻonoʻo ana i ka hoʻopukapuka ʻana, ka loaʻa kālā 2,427 rubles.

ʻAno 2. Waihona hoʻāhu

Hiki ke kāhea ʻia kēia makana "Panakō Piggy"... Hoʻohālikelike ʻia ia e nā hoʻonohonoho hoʻonohonoho ʻoluʻolu; hiki ke hoʻopiha ʻia, hapa a hoʻopau loa ʻia.

Pili pinepine ʻo ia kāleka hōʻaiʻē, a laila lilo ia i maʻalahi e hoʻolilo i kekahi kālā mai ka uku iā ia i mea e lawa mau ai ke kālā ma ka lima inā pilikia ʻole ʻia. Ua kākau mākou e pili ana i ke ʻano o ke kāleka hōʻaiʻē a pehea e ʻokoʻa ai mai kahi kāleka hōʻaiʻē i kahi paʻi ma mua.

Uku ukupanee ma ia mau waihona mai 1.5% o ka makahiki, ʻo ia hoʻi me ke kaulike kau waihona 50 000 rubles, no ka makahiki ka loaʻa kālā 800 ʻōpala

ʻAʻole hiki iā ʻoe ke loaʻa kālā iā ia, hiki iā ʻoe wale mālama i kāu mālama ponoʻī.

Nānā 3. Waihona hoʻāhu

Wehe ʻia e hōʻiliʻili kālā no ke kūʻai pipiʻi i ka wā e hiki mai ana.

Kīwī, hiki ke hoʻopiha hou ʻia, akā ʻaʻole hiki ke unuhi ʻia a hiki i ka pau ʻana o ka manawa o ka ʻaelike. No ia waihona, paepae hāʻawi palena iki, uku paneʻe loaʻa kālā — 5-8% o ka makahiki.

O kahi laʻana: No ka helu, lawe mākou i kēia mau palena waiho kālā: nui 50,000 rubles, uku uku hou 1,000 rubles, pākēneka 8% no ka makahiki.

No hoʻokahi makahiki, e loaʻa ka nui o ka waihona 65 440 rubles: 50 000 - kino hāʻawi + 11 000 - nā mea kiʻekiʻe i kēlā me kēia makahiki + 4 440 - uku hoopanee.

ʻAno 4. Waihona koi

Hoʻoholo ʻia kā lākou wā kūpono a hiki i ka wā e koi ai ka mea waiho kālā. ʻAʻole kuhi ʻia kēia waihona kālā e loaʻa kālā. ʻO ke kumu nui o ia waihona e mālama i ke kālā a i ʻole hōʻiliʻili i kahi nui.

ʻO ka uku paneʻe ma luna o lākou wale nō 0.01% o ka makahiki, ʻaʻohe palena palena palena palena iki - 10 rubles a me 5 kālā a i ʻole euro, ʻo ia, mai ke kau ʻana 50 000 rubles, ʻo ka loaʻa kālā no ka makahiki wale nō 5 ʻōpala.

ʻOkoʻa ka uku paneʻe ma ka panakō like i kekahi manawa, pili ia i nā ʻōlelo o ka waiho. Loaʻa ka loaʻa kūpono kiʻekiʻe e nā waihona kālā me nā kūlana kikoʻī kikoʻī: manawa ma mua o hoʻokahi makahiki, pākēneka kikoʻī, hiki ʻole o ka huki hapa ʻana etc. ʻOi aku ka kiʻekiʻe o ka uku paneʻe ma nā waihona wā lōʻihi, ma nā waiho o nā nui.

Ma muli o ka nui o nā hui kālā e komo nei i ka ʻumeʻume kālā ʻana mai nā mea waiho kālā, paʻakikī e hana i kahi koho.

E kōkua i kāu ʻimi hāʻawi kōkua maikaʻi aia nā lawelawe kūikawā, kahi e ʻohiʻohi ai i nā noi o nā panakō ma nā waihona. Hāʻawi lākou i ka hana o ke koho ʻana i nā kūlana hoʻopukapuka no kēlā me kēia palena. Pono ka mea hoʻohana e komo ka huina, kau a me nā mea koʻikoʻi ʻē aʻe manawa o ka waiho ʻana a e hāʻawi ka lawelawe i nā kūlana hoʻopukapuka ʻoi loa.

5 mau hōʻailona nui e hiki ai iā ʻoe ke hoʻokaʻawale i nā waihona panakō

3. Hoʻokaʻina o nā waihona kālā panakō e nā hiʻohiʻona nui признак

ʻO kēlā me kēia, ʻo ia hoʻi kahi financier novice, maopopo i kēlā kālā hiki ʻole hōʻiliʻili i ka waiho ʻana iā lākou "malalo o ka uluna". Aia ka hoʻowalewale mau e hoʻolilo ai hōʻaiʻē iā lākou.

Maikaʻi ke ʻike! ʻAʻole hiki i kahi waihona panakō ke pale aku i ka hoʻonui kālā, akā e mālama ia i nā mālama kālā mai nā hoʻolilo manawa ʻole i hoʻolālā ʻole ʻia, a e hōʻoia i ka palekana o nā kālā.

Ke hoʻoholo nei e waiho i kahi waihona i ka panakō, ʻo ka mea mua loa, he mea pono e hoʻomaopopo i nā kūlana a me ka loaʻa pono o nā waihona, e hoʻomaopopo i nā kumumanaʻo a me nā koi o nā panakō no ka waiho kālā ʻana i nā waihona. ʻO nā hiʻohiʻona nui o ka hoʻokaʻawale ʻana o nā waihona. kau, pahuhopu, kālā, hiki ke kuhikuhi 'ana i ka helu kuhikuhi, kūlana waiho.

Ma lalo ka hoʻonohonoho ʻana o nā waihona panakō e like me nā hiʻohiʻona nui.

Kaha 1. Manaʻo o ka waihona

ʻO nā ʻōlelo waiho maʻamau mai 30 mau lā ma mua 3-5 makahiki... Hoʻonohonoho ʻia nā waihona me ka ʻole o kahi manawa kikoʻī ma ke ʻano he hui kaʻawale - poste restante.

He mea pono e noʻonoʻo!ʻO ka lōʻihi o ka manawa o ka waiho ʻana, ka ma luna hoʻohiki loaʻa ma luna o laila.

Aia nā waihona i nakinaki ʻia i kahi hanana kikoʻī: lā hānau, Lā Lanakila. ʻO kekahi ʻano nā waihona me nā lā palena pau o kēlā me kēia... ʻAe lākou iā ʻoe e waiho rationalally i kāu waihona ponoʻī a loaʻa ka loaʻa kālā kiʻekiʻe.

Kaha 2. Ke kumu o ka waiho kālā

ʻO nā hiʻohiʻona hiʻohiʻona o nā waihona ka hana i hāʻawi ʻia iā ia:

Aia nā waihona, ke kumu o ia e ʻohi kālā ai no kahi kūʻai pipiʻi - waihona waiho kālā... Hāʻawi nā ʻoihana hōʻaiʻē i nā polokalamu mālama kālā kūikawā: "Auto Auto", "Hoʻopiha hou a kūʻai" etc.
Kāhea ʻia ka hāʻawi a ke kaulike palena iki o ka waihonawaihona waiho... Wehe ʻia ia no kekahi manawa, akā ʻaʻole pāpā ʻia e hoʻohana ia ia i loko o ka wā (me ka hoʻokaʻawale ʻole i ke kaulike palena iki). ʻO nā waihona e ʻae iā ʻoe e hoʻokele pono i kāu mālama ponoʻī, ʻoiai e loaʻa ana kahi loaʻa kālā.
Kāhea ʻia nā waihona i hāʻawi ʻia i kekahi mau waeʻano o ka poʻe waihona kālā kūikawā... ʻO kā lākou waiwai ka helu ʻana i ka uku paneʻe ma ke kaupaona waihona i hoʻohana ʻole ʻia. O kahi laʻana: ke hāʻawi ʻia ka penihana i ka waihona a ka penihana, a ʻaʻole ia e unuhi iā ia i loko o hoʻokahi mahina. E helu ʻia ka hoihoi ma ke kaulike kaulike kaulike.

Aia nā waihona i wehe ʻia me ka ʻole o kahi kumu kikoʻī, ʻo kā lākou hana ka mālama ʻana i nā mālama kālā inā loaʻa nā hanana i ʻike ʻole ʻia.

Hiʻona 3. Waihona waiho

ʻO nā waihona kālā he ruble, kālā haole, multicurrency.

Waihona Ruble loaʻa ka uku paneʻe uku nui i ka pa. Pili ia refinancing rates, akā hiki ke hoʻololi ʻia ma muli o ke kūlana waiwai. Aia nā waihona kālā me ka helu uku paneʻe paʻa. Hōʻike ʻia kēia ʻano i ka ʻaelike waiho.

Nā waihona i ke kālā haole hoʻopiʻi ʻia ka ukupanee haʻahaʻa. Akā kūpaʻa ia a, ma muli o ke kiʻekiʻe kiʻekiʻe o ka hoʻonui kālā, ʻoiai kona nui, i nā huaʻōlelo hōʻuluʻulu, ʻoi aku ka kiʻekiʻe o ka hua o kēia waihona ma mua o ka ruble (ke kaukaʻi ʻia nei).

ʻO ka loaʻa kālā ʻoi loa waihona kālā multicurrency... Ma ke ʻano he kānāwai, wehe ʻia lākou i ʻekolu kālā. ʻōpala, Euro, Nā kālā U.S.... ʻO ka maikaʻi o kēia ʻano hoʻopukapuka ka hiki ke hoʻolilo i kahi ʻāpana o ka waihona i kahi ʻē aʻe kaukaʻi ʻia i ka helu hoʻololi o nā kālā. Hoʻomaulia ʻokoʻa ʻia ka uku paneʻe no kēlā me kēia kālā a hoʻololi ʻia ma ke noi a ka mea waiho kālā.

Maikaʻi ke ʻike! Hiki ke hoʻopuka i nā waiho kālā ma ka kālā wale nō, akā me nā waiwai ʻē aʻe.ʻO kahi laʻana, i nā metala makamae. ʻO ka loaʻa kālā o nā waihona i kēia hihia e pili i ka waiwai kūʻai o nā metala makamae i ka lā o kā lākou kūʻai kālā ʻana.

Feature 4. Kūlana hāʻawi

Loaʻa iā ʻoe ka kuleana e waiho kālā kino a kū kānāwai helehelena.

Māhele kanaka pākahi komo pū nā kamaʻāina āpau o ka Lūkia Hui Pū ʻIa, nā haole. ʻInikua ʻia kā lākou waihona e ka Waihona ʻInikua Waiho (DIA) no ka nui ma mua 1 400 000 ʻōpala... E heluhelu hou aʻe e pili ana i ka ʻinikua waiho kālā pākahi i kekahi o kā mākou ʻatikala.

TO nā hui kū kānāwai e hoʻokomo i nā ʻoihana like ʻole a me nā hui. ʻO kā lākou mau hāʻawi ʻaʻole ʻinikua ʻia a hilinaʻi piha i ka panakō e paʻa ana i nā kālā. Hoʻonohonoho ʻia ka uku paneʻe ma nā waihona kālā e kēlā me kēia waihona, kaukaʻi ʻia i ka nui a me ka manawa.

ʻAʻole hoʻolaha hoʻolaha ʻia kēia ʻano e nā panakō. ʻOi aku ka maikaʻi no lākou e hoʻohana i nā kālā i hōʻiliʻili ʻia e nā ʻoihana ma kā lākou waihona moʻokāki no ka manuahi. ʻOiai ʻoi aku ka waiwai o ia waihona no nā ʻoihana, ma muli o ka hōʻiliʻili kālā nui ʻia ma nā waihona kālā o kēia manawa.

No laila, he mea waiho kālā ʻaʻole ʻo wai nā mea kūʻai aku o ka panakō, ʻo kā lākou pahuhopu ke loaʻa kālā ma nā waihona o ka panakō.

Hāʻawi kahi ʻano waiho kālā i ka mea waiho kālā e koho i nā kūlana ʻoi loa no ka hoʻopukapuka kālā a hōʻoia i ka loaʻa maikaʻi o ka hana.

Alakaʻi i kēlā me kēia lā i ka helu ʻana i ka makana

4. Pehea e helu ai i ka makana - 4 pae nui o ka helu ʻana i ka pono o ka waihona 📈

ʻO nā panakō, e hōʻiliʻili nei i nā kālā a nā mea waiho kālā, hāʻawi iā lākou a loaʻa kālā. Loaʻa i nā mea mālama mālama kālā kā lākou pakeneka o nā loaʻa panakō.

Loaʻa i nā pūnaewele āpau o nā hui hōʻaiʻē waiho helu helu helu, e ʻae iā ʻoe e wehewehe i ka nui o ka loaʻa pono ma kahi waihona. Inā he pilikia paha kāu, hiki iā ʻoe ke hoʻokaʻaʻike aku i ka luna panakō i hiki ke hāʻawi i kahi pane i nā nīnau e kupu aʻe ana.

Hiki iā ʻoe ke helu i ka pono o ka waihona iā ʻoe iho e maopopo leʻa i ke koho a ka waihona. Aia kēia hana i nā ʻanuʻu he nui, i wehewehe ʻia ma ke kikoʻī ma lalo.

Kahua 1. Ka hoʻoholo ʻana i ka hoʻolālā helu uku paneʻe

Hoʻopaʻa ʻia ka helu i nā huaʻōlelo koho at ʻaelike waiho, ke ʻano o ka helu ʻana i ka hoihoi e hoʻoholo ʻia ma laila.

Aia he 2 ala e helu ai i ka hoihoi:

maʻalahi;
capitalized accrual.

ʻO kahi mea maʻalahi e hōʻiliʻili i ka uku paneʻe no kahi waiho, no ka mea ʻaʻole i loli kēia nui.

Me ka accrual capitalized, ua hoʻohui ʻia ka uku paneʻe i hōʻuluʻulu ʻia i ka huina o ka waihona me ke alapine, piʻi ka kino o ka waihona, a hoʻonui ʻia ka uku paneʻe no ka nui nui. ʻO kēia hana hōʻiliʻili ʻoi aku ka loaʻa kālā no ka mea hoʻoiho, akā he mea nui ka ʻokoʻa wale me nā waihona kālā he nui.

Ua kamaʻilio kikoʻī mākou e pili ana i ke kapikala o kahi waihona a pehea e helu ai i ka loaʻa kālā ma kahi waihona me ka uku hoʻopaneʻe ukupanee i kekahi o kā mākou helu mua.

KaʻAnuʻu 2. E noi i ka haʻilula accrual maʻalahi

E hana ai i kēia, e helu wale i ka pākēneka o ka nui, e noʻonoʻo ana i ka wā hoʻonohonoho, me ka hoʻohana ʻana i ke ʻano:

ʻO ke kumuhana no ka helu ʻana i ka ukupanee ma kahi waihona

O kahi laʻana: Huina waiho 50 000 ʻōpala, lōʻihi lōʻihi 90 mau lā, uku paneʻe uku paneʻe 5% o ka makahiki.

Loaʻa kālā i 3 mau mahina e: 50 000*90*0.05/365=616 rubles.

Pae 3. Helu mākou i ka capitalization a me ka helu paneʻe kūpono

ʻO ka nui o ka loaʻa kālā e kaukaʻi ʻia i ka pinepine o ka hoʻonui ʻana i ka uku paneʻe i ka nui nui o ka waihona.

He mea nui e noʻonoʻo! Me ka pili mahina, e uku ʻia ka uku paneʻe malalo ihoma mua o ka hapahā, etc.

Ka nui helu kūpono kaukaʻi ʻia i ka helu o nā capitalization i hana ʻia a kūlike ia i kēia helu.

O kahi laʻana: Me kahi hāʻawi 50 000 rubles, no kahi manawa ma 3 mahina me ka capitalization o ka mahina, malalo 5% makahiki no ka lua o ka malama, e uku ʻia ka uku panee mai ka nui 50 205 rubles (205 - uku paneʻe no ka mahina mua), a me ʻekolu mau mahina 50 633 rubles... ʻO ka helu uku paneʻe kūpono 5,02%.

Kahua 4. Ka helu ʻana i ka loaʻa kālā hope loa

Hiki iā ʻoe ke helu i ka loaʻa kālā ma ka hoʻohana ʻana hoihoi hoihoi, a i ʻole hiki iā ʻoe ke hoʻohana maʻalahi mīkini helu waihoi loaʻa i kēlā me kēia panakō.

E hoʻoholo ai i ka hoʻihoʻi nui ʻana ma ka waihona, hiki iā ʻoe ke kālailai i nā ʻano hana like ʻole o ka hōʻiliʻili:

Laʻana: ʻO ke kumu kahi waiho makahiki o 100,000 rubles, me nā mea ʻokoʻa kapikala a me ka mea like uku paneʻe uku paneʻe, me ka hoʻopiha hou ʻole.

Ka papa o ka hopena o ke kapital (kona pinepine) ma ka helu kūpono a me ka loaʻa hope ma ka waihona:

Nā Hōʻailona	Nā koho waiho
Nā Hōʻailona	1 waiho	2 waiho	3 waihona
*Ka helu uku paneʻe*	8%	8%	8%
*Kapikala*	aʻole	mahina	hapahā
*Loaʻa (rubles)*	8 000	8 299	8 243
*Ka helu uku paneʻe kūpono*	8%	8,30%	8,24%

Hōʻike maopopo ʻia ke ʻano pehea kapikala loli i ka uku paneʻe uku paneʻe kūpono. ʻO ka pinepine pinepine ia e hana, ʻo ke kiʻekiʻe ka loaʻa kālā (inā ʻaʻole huki i ka mea waiho kālā i ka uku paneʻe i hōʻiliʻili ʻia).

Ma ka hoʻomaʻamaʻa, nā waihona kālā me ka capitalization o ka mahina i kahi helu helu haʻahaʻa ma mua o ka hapahā.

Pehea e waiho pono ai i ke kālā - i kēlā me kēia ʻaoʻao a me nā ʻōlelo aʻo no ka poʻe hoʻomaka

5. Pehea e waiho kālā ai i ka panakō - 4 mau ʻanuʻu maʻalahi 📝

Hāʻawi nā panakō i nā papahana waiho like ʻole e ʻumeʻume i nā mea kūʻai aku. I kekahi ʻoihana hōʻaiʻē, nui nā koho no ke kālā hoʻopukapuka.

He mea pono e hoʻomaopopoʻoi aku ka nui o nā papahana like ʻole i kahi hoʻolālā hoʻolaha ma mua o ka hāʻawi ʻana i nā ʻano radically ʻokoʻa.

I ka hoʻoholo ʻana e waiho i kahi nui o ka mālama kālā i ka panakō, alualu ka mea waiho kālā i ka pahuhopu o ka mālama ʻana i nā mālama kālā a loaʻa ka liʻiliʻi. ʻO ka nui o ka loaʻa kālā passive kaukaʻi ʻia i ke koho ʻana o kahi ʻoihana hōʻaiʻē.

Aia ma lalo ka kikoʻī aʻo aʻo ʻanuʻu i ka wehe ʻana i kahi waiho, ma hope o ka heluhelu ʻana, hiki iā ʻoe ke hōʻalo i nā hewa he nui a mālama i kou manawa.

KaʻAnuʻu 1. Ke koho ʻana i kahi panakō

ʻOiai ʻo ka ʻoiaʻiʻo o nā waihona i loko o nā panakō i hoʻopaʻa ʻia e ka DIA (ʻinikua mālama mālama), pono ʻoe e koho i kahi ʻoihana paʻa. ʻO wai e makemake e kali no ka hoʻihoʻi mai o kā lākou kālā iho ke hoʻopau ʻia ka laikini o ka panakō?

Ke koho ʻana i kahi panakō, pono ʻoe e nānā i nā mea kuhikuhi 2 nui:

Kūpono.Hiki iā ʻoe ke nānā i ka panakō ma ka helu ʻana; nā loiloi a nā mea kūʻai aku; nā hōʻike i paʻi ʻia ma ka pūnaewele.
Loaʻa.Ke koho ʻana i kahi panakō, pono e noʻonoʻo kekahi i ka ʻoiaʻiʻo o kona mamao mai kahi noho a ʻoihana paha. He maʻalahi ia e waiho i kahi panakō "ma loko o kahi mamao mamao".

ʻOi aku ka maikaʻi e wehe i kahi waiho i ke keʻena hōʻaiʻē kahi āu i mea kūʻai aku ai (eg, noi no kahi hōʻaiʻē a wehe paha i kahi helu o kēia manawa no nā mea kālepa). Kūpaʻa ka panakō i kā lākou mea kūʻai aku a hiki ke hāʻawi i nā kūlana waiho nani loa (keu hoʻi i nā mea kūʻai aku kūlana VIP).

KaʻAnuʻu 2. Ke koho ʻana i kahi papahana no ke kau kālā ʻana

Loaʻa i nā pūnaewele nā ʻikepili āpau e pili ana i nā kūlana, nā ʻano o nā waihona. Hiki ke helu i ka loaʻa kālā me ka hoʻohana ʻana i ka mīkini helu pūnaewele. No laila, pono e helu pono i nā koho hoʻopukapuka a koho i kahi ʻoi loa.

Nā palena nui o ka hāʻawi, pono e uku kūikawā ʻia i:

pakeneka;
ka hiki ke hoʻopiha / huki hou;
ke alapine o ka hoihoi accrual, ke kū ʻana o ke capitalization;
nā koina unuhi mua.

He mea nui e noʻonoʻo! ʻAʻole hiki iā ʻoe ke hilinaʻi i ka waiwai o ka uku paneʻe ma ke ʻano he kumu. ʻOi aku ka maikaʻi, e hoʻohana ana i ka mīkini helu, e hoʻomaulia i ka loaʻa kālā no kahi ʻano o ka waihona.

ʻO ka mea nui kekahi kau kau... ʻOi aku ka maikaʻi e hoʻolōʻihi i ka ʻaelike ma mua o ka huki ʻana i ka waihona ma mua o ka papa kuhikuhi me ka uku paneʻe ʻole.

Hiki iā ʻoe ke kāhea waiho koho lawelawe... Ma laila hiki ke hoʻokomo i nā palena o ka waihona a hāʻawi ka papahana i nā kūlana waiwai kūpono.

KaʻAnuʻu 3. Ke hōʻailona nei i ka ʻaelike

ʻO ka hopena o kahi ʻaelike waiho kālā kahi hana maʻamau a ʻaʻole hōʻike i nā pilikia.

Hāʻawi ʻia ka panakō passport (no nā kamaʻāina o ka Lūkia Hui) a i ʻole kekahi palapala ʻike (no nā kamaʻāina haole), a me kahi kāleka me nā pūlima hōʻailona i hoʻopiha ʻia no ka hiki ke ʻike pilikino. Hoʻohui āu e pono ai pūʻali koa ID a wahi noho.

Kūlana ke ʻano o ka ʻaelike; ke kau inoa, e hoʻolohe ka huina, kau, uku paneʻe loaʻa kālā a me nā kūlana koʻikoʻi ʻē aʻe o ka waihona. Ma hope o ke kau inoa ʻana, hoʻoili ʻia kahi kope o ka ʻaelike i ka mea waiho kālā. Ke waiho nei i kahi pūnaewele, hoʻouna ʻia ka ʻaelike i ka leka uila o ka mea waiho kālā.

KaʻAnuʻu 4. Ke waiho kālā nei i ka mea lawe kālā a loaʻa ka hōʻoia o ka wehe ʻana i kahi waiho

Hoʻokomo ka mea waiho kālā i ke kālā ma ka pākaukau kālā o ka panakō, e loaʻa i kona mau lima ka panakō ʻae ʻia loaʻa kālā me ka pūlima a me ka hōʻailona o ka limahana panakō a ʻaelike waihokau inoa ʻia e nā ʻaoʻao ʻelua. Hōʻoia kēia mau palapala i ka wehe ʻana o ka waihona.

I kekahi mau hihia, hoʻopuka ʻia ka mea waiho kālā puke mālama mālama... Ke hele mālie nei lākou i kahi mea o ka wā i hala, i kēia manawa hāʻawi pinepine ʻia nā waiho kālā me ka wehe ʻana o kahi waihona kāleka... Inā hoʻohui ʻoe i kahi panakō Pūnaewele i kēlā kāleka, hiki iā ʻoe ke nānā i nā hana waiho a pau.

Hāʻawi ka nui o nā panakō i ka lawelawe wehe wehe pūnaewele. Kāna pōmaikaʻi ʻaʻole pono e hele i kahi hui panakō, kū i nā laina, kali.

No ka mea waihona pūnaewele pono ʻoe e hele i ka pūnaewele o ka panakō i wae ʻia, kau inoa ma luna. E hoʻohui i ka lawelawe i kāu moʻokāki pilikino "Wehe waiho".

Eia hou, ke kaukaʻi nei i ke ʻano o ka waihona, pono ʻoe e hoʻokomo i ka ʻike, hōʻike i nā kikoʻī o ka waihona e hāʻawi ʻia ai nā kālā i ka waihona. I kēia hihia, ʻo ka hōʻoia o ka wehe ʻana o kahi waiho kālā kahi palapala pūnaewele i kaha ʻia "Pau".

No laila, hiki ke hoʻomaopopo ʻia ʻaʻole paʻakikī e wehe i kahi waiho, ʻo ka mea nui ke lawe mai i ka loaʻa kālā i manaʻo ʻia.

6. ʻAuhea nā kūlana ʻoi loa no nā waihona - TOP-3 panakō me nā kūlana maikaʻi no nā waihona 📋

I mea e hilinaʻi ai i kā lākou hoʻopukapuka, koho lākou i nā waihona mai nā panakō kūpono. ʻO ka alualu ʻana i nā hoʻihoʻi kiʻekiʻe hiki ke alakaʻi i nā hopena maikaʻi ʻole.

Inā lawe ʻia kahi ʻoihana hōʻaiʻē laikini, a laila ʻo ka mea kiʻekiʻe āu e hiki ai ke hilinaʻi i ka hoʻihoʻi o ka nui o ka waihona me ka ukupanee i hōʻaiʻē ʻia i ka waihona. ʻAʻole loaʻa ka uku paneʻe ma hope o ka hoʻopau ʻia ʻana o ka laikini, pono ʻoe e kali no ka loaʻa ʻana o nā kālā mai 1 mahina a ʻoi aku paha... Hāʻawi ʻia kēia i ka ʻinikua ʻana o ka waihona.

E nānā! Ke koho ʻana i kahi e hoʻopukapuka kālā ai, ʻoi aku ka maikaʻi o ke alakaʻi ʻia e ke kumumanaʻo "ʻOi aku ka maikaʻi".

Ma lalo e koho ʻia TOP - 3 panakō, e hāʻawi nei i nā kūlana maikaʻi no ke kau ʻana i nā waihona a he kūlana kiʻekiʻe kūpono paha ka hilinaʻi.

1) Sberbank

ʻO ka panakō ʻoi loa a kūpaʻa hoʻi i ka Russian Federation - Sberbank... ʻOi aku kāna mea kūʻai aku ma mua o 139 miliona poʻe a puni ka honua. Loaʻa iā ia ka pūnaewele lālā ʻoi aku ka nui, nā keʻena lunamakaʻāinana a me nā lālā ma nā ʻāina kokoke, ʻEulopa, ʻAsia, a me USA. Ma kēia mea, maʻalahi no nā mea kūʻai aku e hoʻohana i kāna lawelawe.

Pono e noʻonoʻo, ka pālākiō o ka panakō e ʻae iā ia ʻaʻole lawe lima loa, ʻumeʻume i nā waiho kālā ʻaʻole i nā helu kiʻekiʻe loa, akā ikaika a hilinaʻi hoʻi.

ʻO ka laulā o nā waihona i hāʻawi ʻia i ka panakō ākea loa. ʻLelo ʻia ma aneʻi papahana like ʻole i hoʻokumu ʻia no nā mea waihona nui a no nā mea e pono e mālama i kā lākou mālama kālā, papahana aloha.

Hiki iā ʻoe ke wehe i kahi waiho i nā rubles, Euro, dala... Hōʻike ʻia nā kūlana āpau ma ka pūnaewele o ka ʻoihana me ka hiki ke helu i ka pākēneka loaʻa. Hiki ke wehe i kahi waiho me ka hoʻohana ʻana moʻokāki pilikino Sberbank pūnaewele.

Palena liʻiliʻi paepae waiho haʻahaʻa, no laila nā mea mālama kālā i nā panakō me nā pae loaʻa ʻokoʻa. Ka helu uku paneʻe ʻaʻole kiʻekiʻe. Hiki iā ʻoe ke loaʻa kahi loaʻa kālā maikaʻi wale kumuhana i ka hoʻopukapuka ʻana i kahi nui o ke kālā.

Hoʻopiʻi ka panakō i nā mea kūʻai aku me kona inoa a me ke alo o kahi nui o nā lālā a me nā keʻena hou aʻe.

2) VTB 24

ʻO ka panakō kahi o nā hui hōʻaiʻē Lūkia nui loa. Kau i ka hana me kanaka pilikino, ʻoihana liʻiliʻi, nā mea kālepa... Heluhelu ʻia ma kahi o 12 miliona mau mea kūʻai aku pākahi, loaʻa kahi pūnaewele lālā nui. Loaʻa nā loiloi loea kiʻekiʻe.

Nā hāʻawi laulā o nā papahana waiho, nā kūlana no ka wehe ʻana i hōʻike ʻia ma kāna pūnaewele ma ka Pūnaewele. Hoʻomaulia pū ʻia ka pono o ka waihona ma ka pūnaewele. Hāʻawi ka panakō i ka lawelawe o ka wehe ʻana i kahi waiho mai kahi mamao aku. Wehe ʻia nā waihona i kēlā me kēia kālā (ʻōpala, Euro, kālā).

Kūpono kiʻekiʻe paepae waiho hāʻawi i kahi komo o nā mea kūʻai aku waiwai. Kiʻekiʻena uku paneʻe uku paneʻema mua o Sberbank, ka lōʻihi o ka waiho ʻana ma mua 5 makahiki, me kahi pae maikaʻi o ka hilinaʻi e hāʻawi i nā hāʻawi VTB 24 mea waiwai hoʻopukapuka.

3) PJSC Bank FC Otkritie

Hana ka panakō ma ka mākeke kālā hou aku 20 makahiki, ʻo ia ka panakō pilikino nui loa ma ka Russian Federation. Wahi a ka ʻoihana helu "Makaukau RA" lawe 7-kahi wahi e pili ana i ke kapikala pono. Loaʻa nā lālā i nā wahi he 52 o Lūkia, ma kahi o 3.5 miliona mau mea kūʻai aku kanaka pākahi.

Loaʻa i ka panakō kahi kikowaena o nā lawelawe no nā mea pākahi. Hiki iā ʻoe ke huki, hoʻolilo, huki i nā waihona kālā i ka wā o kahi pilikino i ka panakō a i ʻole ma o ka polokalamu kelepona... Aia kekahi Panakō pūnaewele.

Hiki iā ʻoe ke wehe i kahi waiho i kēlā me kēia kālā. Hāʻawi ke keʻena hōʻaiʻē laulā o nā waihona.

He awelika ko ka panakō paepae hāʻawiloaʻa i nā mea kūʻai aku he nui. Nā kūlana kūpono a kiʻekiʻe uku paneʻe uku paneʻehāʻawi i kahi hoʻihoʻi maikaʻi ma nā waihona.

Hāʻawi ka ʻoihana hōʻaiʻē i ka hoʻonui i ka uku paneʻe i nā waihona i wehe ʻia pūnaewele e hoʻonui i ka kaulana o kēia lawelawe.

Hōʻike ʻia ma lalo kahi papa hōʻuluʻulu no ka maopopo. e 6-i nā panakō nui me ka hapa liʻiliʻi o ka waihona a me ka nui o ka uku paneʻe ma luna ona.

Pākaukau hoʻohālikelike o nā waihona i nā panakō like ʻole me nā hōʻailona o ka palena palena palena haʻahaʻa a me ka uku paneʻe iā lākou:

№	ʻO ka hui hōʻaiʻē	Min. waihona kālā, tausani rubles	Max. pakeneka o kēlā me kēia makahiki
1	*Sberbank*	1	5,63
2	*VTB 24*	200	7,40
3	*Wehe*	50	9,25
4	*ʻO Rosselkhozbank*	50	8,75
5	*Bank Ural no ka hana hou a me ke kūkulu ʻana*	5	9,00
6	*Panakō ʻo Tinkoff*	50	9,45

No laila, hāʻawi nā ʻano ʻano like ʻole a me nā waiwai o ka uku paneʻe i ka mea kūʻai aku me ka manawa kūpono e koho i kahi panakō me ka helu uku paneʻe maikaʻi.

7. Pehea e koho a hoʻonohonoho pono ai i kahi waiho kālā - 5 mau ʻōlelo aʻoi kūpono mai nā poʻe loea 💎

Ma mua, i mea e wehe ai kahi waihona, pono e kāpae i nā kapa o ke kūlanakauhale, koho i nā kūlana kūpono a kū i ka laina ma ke keʻena hōʻaiʻē i koho ʻia. Koi ʻia kēia manawa (hana pinepine nā hola hana panakō me nā hola hana o nā ʻoihana) a pahuhopu.

Ano hana nui maʻalahi, ʻoi aku ka maʻalahi a ʻoi aku ka wikiwiki.

I mea e loaʻa ai ka loaʻa ʻoi loa o ka pono a me ka loaʻa kālā o ka hana, ʻōlelo mākou e hoʻomaʻamaʻa ʻoe iā ʻoe iho ʻōlelo aʻoaʻo loea i kēia māhele ʻāina.

Manaʻo kōkua 1. ʻAʻole pono ke kumukūʻai o ka uku paneʻe i pōhaku kihi o nā koho

Ke wehe nei i kahi waihona, uku ʻia ka nānā nui i ka helu uku paneʻe. Me he mea lā ua pololei nā mea āpau, ʻinikua ʻia nā waihona, ʻaʻohe pono e hopohopo no kā lākou lilo. Akā he ʻoiaʻiʻo wale inā ʻaʻohe pilikia kālā o ka panakō.

Pono e noʻonoʻoi loko o ka manawa o ka ʻaelike waiho, hiki ke kāpae ʻia ka laikini o ka panakō. A laila pono ʻoe e hoʻihoʻi i ka nui o ka waihona me ka ukupanee palena iki. I ka manawa like, ke waiho ʻia i kahi ʻoihana hōʻaiʻē hilinaʻi ma ka ukupanee haʻahaʻa, e ʻoi aku ka kiʻekiʻe o ka loaʻa kālā o ka mea waiho kālā no ka wā like.

Pono e noʻonoʻo i nā kūlana pākahi o ka papahana: Loaʻa a pinepine o ka capitalization e waiho, ka hiki ke hoʻopiha hou ʻia a ka hemo ʻana etc.

ʻ Tiplelo Aʻo 2. Haki i hoʻokahi makana i mau mea

He mea nui e hoʻomanaʻo: "ʻAʻole hiki iā ʻoe ke mālama i nā huamoa āpau i hoʻokahi hīnaʻi." Hōʻike pololei kēia ʻōlelo i kēia ʻōlelo aʻo aʻe.

Inā loaʻa iā ʻoe kahi nui o ka mālama kālā, ʻoi aku ka maikaʻi o ka hāʻawi ʻana iā lākou i nā panakō ʻokoʻa.

Hoʻohālikelike ʻia i hoʻokahi waihona, ke wehe nei i nā waihona he nui i nā panakō ʻokoʻa i kēia mau pono aʻe:

e hoʻemi ana i ka makaʻu o ka lilo kālā inā loaʻa nā pilikia kālā no ka panakō;
ka hiki ke koho i nā kūlana pilikino kūpono loa no ke kau kālā ʻana.

Hiki ke wehe waihona kālā multicurrencyka mea i loaʻa kona pono.

Nā kōkua o kahi waiho kālā maha:

ka hiki ke hoʻokele manuahi i ka waihona;
inā pono, hiki iā ʻoe ke hoʻololi i ka waihona;
hoʻemi o nā nalo ʻana mai ka hoʻonui kālā.

ʻO ke koho ʻoi loa ka waiho ʻana i kahi waihona i nā kaulike ʻekolu. ʻōpala, dala, Euro.

ʻO kahi kanaka makaʻu ʻole i ka makaʻu a makemake e aʻo pehea e hoʻokele ai i kāna hoʻopukapuka ponoʻī hiki ke wehe waihona hoʻokomo kālā.

ʻO kahi hiʻohiʻona o ka waihona hoʻokomo kālā ka mahele o ka waihona i 2 mau ʻāpana.

makana;
hoʻokomo kālā i nā kālā like (kālā ʻelua).

Hoʻolālā ʻia ka uku paneʻe ma ka waihona ma ke ʻano maʻamau. ʻO ka loaʻa kālā o nā hoʻopukapuka i nā kālā like e pili ana i nā kumu he nui. Eia kekahi, koho ʻia ka mea hoʻopukapuka e ka mea kūʻai o 'oe hoʻokahi.

No laila, ma ka wehe ʻana i kahi waiho kālā hoʻopukapuka, hiki iā ʻoe ke loaʻa kālā maikaʻi me ke kūlike o ke kūlana a nalowale paha ka hapalua o ka waihona inā pono ʻole ka hoʻopukapuka.

Manaʻo kōkua 3. E waiho i nā kālā ma nā ʻoihana hōʻaiʻē wale nō

Inā ma ke kau ʻana i kāna mālama kālā i ka waihona, manaʻo ka mea waiho kālā e hoʻihoʻi iā lākou, a laila hiki ʻole Hilinaʻi i nā hui i hōʻoiaʻiʻo ʻole i nā mea kūʻai aku me nā pākēneka kupanaha.

Pono e noi wale i kēlā mau hui hōʻaiʻē nāna nā waihona i ʻinikua ʻia i Waihona ʻInikua Waihona (DIA). Loaʻa kā lākou papa inoa ma ka pūnaewele o ka Agency a me ka Central Bank o ka Russian Federation.

Mea nui! ʻO ka manawa pinepine, nā mea kōkua hōʻaiʻē like ʻole, nā ʻuniona a me nā kaiāulu kālā ʻē aʻe e hoʻolaha i ka ʻike e pili ana i ka ʻinikua o kā lākou hana. ʻO ka maʻamau, ʻo kēia pākaukau hoʻolaha.

Inā he nani loa nā uku paneʻe e hāʻawi ʻia e lākou, a laila e nānā pono ʻoe i ka ʻike e pili ana i ia mau ʻoihana.

Nui a hewahewa nā ala e loiloi ai i ka hilinaʻi o kahi ʻoihana hōʻaiʻē:

Ma kahi kipa pilikino ʻana i ka keʻena ʻoihanakahi o nā palapala āpau e waiho ai i ka kāʻei lehulehu;
E nānā i ka pūnaewele o ka hui. I kēia hihia, pono e nānā i ka lōʻihi o ka lawelawe, ka nui o nā waiwai, ka nui o nā kuleana no nā kuleana;
E hoʻopaʻa i nā loiloi mea kūʻai aku ma nā kolamu kumuhana kumuhana kūʻokoʻa.

He mea paʻakikī ia no ka loea ʻole e hoʻomaopopo i nā nuances āpau, aia ka nui o ka hāʻule i loko o nā lima o nā hoa pono ʻole.

Manaʻo kōkua 4. Kuhi kūpono i ka manawa o ka waihona

ʻO ka lōʻihi o ka manawa o ka waiho ʻana, ʻo ke kiʻekiʻe ka uku paneʻe ma luna. Inā hoʻokaʻawale ʻia ke kālā no ka wā lōʻihi, a laila ʻaʻohe mea kānalua e kau ʻia ia i ka uku paneʻe kiʻekiʻe loa.

Eia naʻe, pono e noʻonoʻo i ka hopena o ka hoʻopau mua ʻana o ka ʻaelike (ʻaʻohe mea e hoʻopaʻa ʻia i nā manawa i manaʻo ʻole ʻia), loaʻa ka uku paneʻe ma ka waihona. palena iki, ʻo ia hoʻi, ʻaʻole hiki iā ʻoe ke loaʻa kālā ma luna.

Inā ʻaʻole e mālama ʻia nā mālama kālā no nā kumu kikoʻī: ke kūʻai ʻana i home, ka huakaʻi ʻana, a pēlā aku, ʻoi aku ka maikaʻi o ke koho ʻana i ka wā maʻamau no ke kau kālā ʻana.

Manaʻo kōkua 5. ʻOi aku ka maikaʻi o ke koho ʻana i nā huaʻōlelo maʻalahi loa a maʻalahi hoʻi

Lawe ʻia nā hoʻolaha hoʻolaha o nā panakō i mea e ʻumeʻume ai i nā mea waiho kālā i hiki. Hoʻokumu ʻia nā "ʻano nani" a me nā bonus ʻoluʻolu. I ka ʻoiaʻiʻo, huli pinepine ia he wale propaganda.

Inā ʻaʻole ʻoe he loea kālā, ʻoi aku ka maikaʻi e koho i nā papahana maʻalahi, hiki ke helu ʻia ka pono o ia mea o 'oe hoʻokahi.

Nā kūlana kūpono a hoʻomaopopo hoʻi, panakō kūpono - nā mea āpau āu e pono ai no ke kau pono ʻana i kāu waihona ponoʻī.

Loaʻa i kahi kālā manuahi, hiki iā ʻoe ke hana i kahi paʻa kumu o ka loaʻa kālā passive, ka mea e lilo i bonus maikaʻi i ka waihona kālā ʻohana.

8. Nā nīnau i nīnau pinepine ʻia ma nā waihona panakō a me nā waihona 🔔

A laila, e pane mākou i nā nīnau kaulana e pili ana i kēia kumuhana.

Nīnau 1. He aha nā waihona hoʻokomo kālā?

Waihona hoʻopukapuka he mea kālā kālā like ʻole no ka waiho kālā ʻana. ʻO kāna hiʻohiʻona nui ka mahele o ke kālā i loko hāʻawi maoli a ma luna nā hoʻopukapuka kālā i nā kālā hoʻopukapuka.

Hāʻawi ʻia kēia lawelawe e nā ʻoihana hōʻaiʻē a lākou e pili ai kālā pili (Nā kālā hui). ʻO ka maʻa mau ka mahele kālā e mahele ʻia 50/50... Akā ʻo ka huina waiho kālā wale nō e ʻinikua ʻia ma DIA.

I kēia lā, ʻo kēia ʻano waihona he ʻano laha nui o nā lawelawe kālā. Loaʻa kēia ma ka loaʻa ʻana iā lākou ʻoi aku ka loaʻa kālāma mua o nā waihona kālā maʻamau. Hoʻohui, loaʻa i ka mea waiho kālā ʻike hoʻokomo kālā me nā pilikia liʻiliʻi.

Kekahi ʻaoʻao, ka mahele o ka waiho kālā i nā ʻāpana ʻelua e hōʻoia i ka palekana o ka waiho ʻana a me ka loaʻa ʻana o kahi loaʻa kālā paʻa paʻa ma luna ona.

Ma ka lima 'ē aʻe, hāʻawi ʻia kahi manawa kūpono e loaʻa i nā manawa he nui hou aku ka loaʻa kālā me kahi hoʻopukapuka kūleʻa a i ʻole e nalo ʻana i nā kālā i hoʻopukapuka ʻia i nā kālā like.

ʻO nā kūlana no nā waihona hoʻopukapuka:

paepae komo kiʻekiʻe;
wā pōkole;
hiki ʻole o ka hoʻolōʻihi.

Nīnau 2. Waihona i kuhikuhi ʻia - he aha ia?

Aia nā waihona panakō, ke ʻano o ia ka hiki o ka helu ʻana i ka helu uku paneʻe kaukaʻi ʻia i ka waiwai o kekahi mau waiwai. o kahi laʻana, nā palekana, ka helu kālā, ka helu RTS, ka helu hoʻonui, a pēlā aku..

Inā ulu ka waiwai, loaʻa i ka mea waiho kālā ka uku paneʻe hou, a inā hāʻule ka waiwai, hoʻopiʻi ʻia ka uku ma nā waihona "poste restante».

Nīnau 3. He aha ka mīkini helu waiho kālā pūnaewele?

I kēia mau lā, i mea e maopopo ai ka waiwai o ka waiho kālā ʻana i kahi waihona, pono ʻoe e hele i ka panakō, kū i ka laina no ke kūkā kamaʻilio ʻana. I kēia manawa ua lilo nā mea āpau maʻalahi a ʻoi aku ka maʻalahi.

Aia nā pūnaewele a pau i ka ʻikepili e pili ana i nā papahana i hāpai ʻia no ka hōʻiliʻili kālā ʻana no nā waihona. ʻO kahi hana hou kūpono ka loaʻa mīkini helu waiho pūnaewele (calculator calculator)... Hāʻawi ia i kahi manawa kūpono e hoʻomaulia i ka pono o kekahi papahana e hoʻoholo i nā kūlana maikaʻi loa.

Mea helu waiho waiho pūnaewele kahi papahana i hoʻololi kūikawā ʻia no kahi hui kālā kikoʻī, kahi e hoʻopili ai i nā kūlana āpau no ka waiho ʻana o kahi panakō kikoʻī.

Ke hoʻohana nei i kahi calculator pūnaewele, hiki iā ʻoe ke helu i ka nui o ka uku paneʻe, a i ʻole ka loaʻa kālā, kahi waihona kālā (waihona) e lawe mai ai iā ʻoe

Kōkua ka calculator waiho kālā i ka hoʻoholo ʻana i ke ʻano a me ka manawa o ka waiho ʻana, hoihoi a wikiwiki hoʻi ia na lākou e hana.

Eia hou, he paʻakikī loa e helu i ka nui o ka loaʻa kālā ma ka lima ke loaʻa ka uku paneʻe hoihoi a me ka hoʻopiha hou ʻana i nā waihona. ʻO ka calculator pūnaewele e kū i kēia hana hikiwawe.

Nīnau 4. Pehea e helu ai i ka uku paneʻe ma ka waiho kālā me ka hoʻohana ʻana i ka mīkini helu pūnaewele?

Kōkua ka calculator pūnaewele e helu i ka pākēneka waiwai o nā hoʻopukapuka kālā i ka waiho ʻana o kahi ʻoihana hōʻaiʻē.

ʻO nā palena palena o ka mīkini helu waiho pono e hoʻokomo ʻia no ka helu ʻana:

ka nui a me ke kālā o ka waihona;
uku paneʻe uku paneʻe;
ʻike e pili ana i ka capitalization;
manawa o ka waihona (lā o ka wehe / pani ʻana).

Hiki ke loaʻa nā palena ʻē aʻe, kaukaʻi ʻia i ke ʻano kikoʻī o ka hāʻawi ʻano pili kālā, huina a alapine o ka hoʻopiha hou ʻana/ ka hemo ʻana etc.

Ma hope o ke komo ʻana i ka ʻikepili ma ke kolamu "Hopena" e helu koke ʻia ka loaʻa kālā no kahi waihona kikoʻī.

He mea nui ia e ʻike! ʻO ke kumumanaʻo no ka helu ʻana i ka hoihoi he like ia ma nā panakō āpau, no laila, inā ʻaʻohe mea helu pūnaewele ma ka pūnaewele o ka panakō i koho ʻia, hiki iā ʻoe ke hana i ka helu ʻana me ka hoʻohana ʻana i kahi papahana ʻē aʻe ma ke komo ʻana i kāu mau ʻikepili i loko.

I loko o ka ʻatikala, ua hoʻāʻo mākou e uhi i nā ʻaoʻao nui āpau o ka hoʻopukapuka ʻana i nā waihona panakō. Ua hoʻolauna iā ʻoe i nā ʻōlelo waiho kālā i makemake nui ʻia; ua hōʻike pehea e helu ai i ka uku paneʻe.

ʻO nā hopena nui i hiki ke huki ʻia mai ke kālailai ʻana i ka mākeke waiho kālā penei:

I mea e loaʻa ai kahi waiwai nui, pono ʻoe i kahi nui o ke kālā;
ʻO kahi waihona kahi koho maikaʻi no ka mālama ʻana a me ka mālama kālā ʻana mai ka inflation a mai iā ʻoe iho, a me kahi ala maikaʻi loa o ka mālama ʻana no ke kūʻai kūʻai nui e hiki mai ana.
ʻOi aku ka makaʻu o kēia hana i ka hoʻohālikelike ʻia me nā ʻano hoʻopukapuka ʻē aʻe.
Ke loaʻa nei i kekahi, ʻoiai he mea nui ʻole, akā mau ka loaʻa o ka loaʻa kālā passive, hana i nā hana hoʻopukapuka i nā waihona / waihona e nani a me ka noi.

Paipai mākou iā ʻoe e nānā i kahi wikiō e pili ana i kahi waihona kālā (kahi waiho i kahi panakō) ma nā ʻōlelo maʻalahi:

E hoʻonoho me ka palekana i kāu mālama kālā ʻana, pono e makaʻala i nā pilikia a ʻaʻole koʻikoʻi no ka waihona kālā ʻohana. Laki maikaʻi i nā mea āpau a ʻike koke iā ʻoe!

P.S. E hauʻoli loa kā mākou mau Manaʻo no ke ola inā ʻoe e kaʻana like i kou ʻike a me kou mau manaʻo e pili ana i ke kumuhana o ka paʻi ma nā ʻōlelo ma lalo nei

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