Where e kiʻi i hoaie aku i kekahi mea uuku pakeneka? Low aie

Ka hapa nui o ka heluna kanaka o Western aina no ka lōʻihi manawa hoʻohana i ka noho ma luna o aie, a ma Rusia e noho ma ka aie i lilo hou ninau i kēlā me kēia makahiki. No ka mea, he nui na kanaka loaa ka koi dala, pakahi aku la ia nui, ia mea he hooweliweli ae i ko hana - nui maʻalahi e noi wale aku. Ma keia manao, i ka ninau o pehea e loaa consumer ai ma lalo o ka uuku hoihoi ma luna o nā manaʻo o na mea he nui o ko mākou mau hoa maka'āinana. Ma mua kilohi, ia mea,ʻaʻole loa paʻakikī - e noiʻi i nā noi a kapa koho i ka uuku helu, a laila aku i ka paperwork. I ka mea, he nui pitfalls hūnāʻia i loko o kēia pukana. No laila, e ka maopopo kahi e lawe ai no ka uuku pakeneka, a i ka'īkoi maʻoleʻia hoʻi nā pilikia.

ʻO wai ka Pono ka nike aie

First mea e hooholo ai no ka mea e pono ai ke kala. No kekahi laʻana, ina e makemake, e lawe i ka nui e hoaie aku i ka poe uuku pakeneka no ka āpana o ka waiwai, he mea pono e akahele ninaninau i ka hāpai 'ana i ka moraki loan - a laila, pili a uuku lawa, a me ka kaula o ka nui wā o ka manawa.

Inā e hoʻoholo e kuai i kekahi kaʻa, ia mea pono e koho i ke kapa, e hana ana i ka polokalamu o preferential gosavtokreditovaniya, ma keia hihia, e uku ma ka moku'āina kekahi o ka hoihoi. Akā, inā 'oe e hoʻoholo ai, e nana i, kahi e kiʻi i ka hoaie ma ka uuku pakeneka no nā hana -? Aiiio, koena, he piha loli o kaʻaʻahu a kuai pipiʻi hale nā mīkini home, a laila, i kēia' atikala mea ia oe. Mua o nā mea a pau, nana i nā kapa 'nā noi a koho i ka poʻe e manaʻo i kūpono. Inā i ke kālā e pono ai mea ole kaʻenaʻena - oe ke kakali ana no kekahi mau Holiday, no ka mea hoike, ma ka Ewa o ka New Year, he nui kapa kaumaha haʻahaʻa hoihoi holo 'awelika, a heʻano o bonuses.

Pehea e lalo i ka panee ana

Ma ka hihia i kahi au e makemake ole e kali, e hiki ke ho'āʻo e emi i ka uku kaumaha ma ka pali. No ka laʻana, hiki ke loaa haʻahaʻa-hoihoi hoaie i loko o ke kālā kula kahi au i kaʻikena uku kāleka. Reputable kapa pinepine e concessions i kā lākou mau nā mea kūʻai mai.

ala e emi i ka overpayment kekahi mea i ka manao o ka aie ma lalo o ka hooiaio ana o ka maikai a komo ana o kekahi a me kekahi mau guarantors. E ho'āʻo ina he mea hiki, e hoopuka māka hou loan - holo 'awelika ma luna o ia i mau emi.

Pēlā kaʻaoʻao maikaʻi e emi i ka overpayment mea he pono, e hoʻi i ke kālā e like me ka hikiwawe e loaa ana, no laila, ma mua oʻoukou e komo i loko o ka aelike ana me ke kapa, ninau aku paha oe ke uku aku i ka aie mamua o ka haʻalele 'ana, a ma lalo i ana.

Inā 'oe e pono ai i ka uuku dala no ka pōkole manawa, kiʻi i ka uku kāleka - kokoke a pau o ia i ka lokomaikai au manawa i ua ole ia i nā mea a pau e ulu i. I kekahi manawa, ua hele mai i elua mahina, oi importantly, e hoʻi i ke kālā ma ka manawa.

Ka mea maikaʻi noi no ka nike aie

E kiʻi i ke dala e hoaie aku no ka uuku pakeneka, pili i kekahi mau olelo, he mama lawa. Eia nō kekahi mau koi i e alakai ai i ka maikaʻi hopena:

• E ana i ka hoaie no ka palena iki e hiki wā o ka manawa;
• ohi i ka loa piha AEeAaOA o ka palapala;
• e koho i ka pale umauma hoʻokahi loan;
• i 'ike ai i ke kapa, e hookupaa aku ana i ka nui o kou akamai, e uku;
• eia kekahi, e malama aku ai me kūhelu hana;
• i puʻu e kū pono wai collateral;
• kiai i kou aie mōʻaukala -ʻia e koi 'ia hookaa ana;
• E ho'āʻo i ka hana me ka ia pali like loa me hiki - lilo i mau Customer;
• Inā e lawe i ke kālā ma luna o ka ulu ana o kona hihia, eʻoiaʻiʻo, e waiho ana i ka pali, i ka maikai pāʻoihana kumumanao, a lawe mai i kekahi mau guarantors.

Where hiki au loaʻa i ke kaumaha kupono

I keia la, ka mea uie kekahi hapanui hewahewa o kanaka këia i ka pukana Otomi, kahi e kiʻi i ka hoaie ma ka liʻiliʻi pakeneka, e haliu ae la ia i ka Internet lawelawe. Aia hoʻi, ka hāpai 'ana ma luna o ka pūnaewele puni honua i mea hiki ole ke dala, akā, i kēia iaoia i kona pono a me keakea. Ka mua, o ka mea e kokoke na paena i kona mau aie me ka m'kini helu, a me a oe e hoʻomaulia i ka nui o ka overpayment, me ka haalele i ka hale. Eia hou, e hiki ke heluhelu ole wale i ka aie berita, akā, i kakau ia mai no ka kūkā me ke kakaolelo. Pela, e mea hiki ke noiʻi i ka hāpai 'ana i ka nui helu o ka waiwai hui, me ka hoomaunauna aku ai i manawa ma luna o nā huakaʻi lōʻihi, a' ana e haʻalele.

Ma ka kekahi lima, ma nā Internet, e hiki ole noi mai i ka pali, e pili ana i ka uku ho'ēmi, a lilo aku i ka manawa kūpono e kamaʻilio ai i ke ola kanaka. I kekahi manawa, ai ka pakeneka kaumaha ma ka Bank, e hilinaʻi ma ka manakia ka pilikino ka hoao ana. Ma ke alanui, he mea hihia ma ke kapa limahana ke kaumaha oe i ke koho o loan no a 'ike i ka pali o ka punaewele nae (no ka laʻana, e kamailio e pili ana i ka mai ana mai hoʻolaha kai eʻe).

ʻalo mau kapa a pau

Ano, e ka kamailio e pili ana i mea ia mau waiwai i haʻahaʻa-panee aie. Oddly lawa, akā, i ka poe uuku a panee ana i hōʻike mai i ka hoolaha, me ka hoʻomaʻamaʻa, pinepine huli mai e ia i ka Fabulous overpayment.

hiki He aha e noʻonoʻo i ka haʻahaʻa hoihoi kōmi? E noonoo oe i kekahi mau examples:

• 1% no ka lā;
• 11% no ka malama;
• 10% PA + 0.8%, no ka hoʻoponopono;
• 16% (ʻaʻohe uku).

Ke huli nei ma ka helu, oe i manaʻo i ka mea haahaa like - 1%, a me ka mea kiekie loa - 16%. No laila, ina paha ia mea i ka mea, e ka helu.

Kekahi pakeneka o ka lā i loko o ka makahiki, e lilo i 365% o ka makahiki. A hailona, pono? A ina oe Pono ke hoaie i 2 a me 3 makahiki? Helu?

A houʻano: 11% 12 mahina m = 132% o ka makahiki. He nui loa.

Next, ua i wale 10% no ka makahiki - mea e ia i kekahi wahi, akā, inā mākou e hookui aku i ka uku no ka lawelaweʻana i ka mooolelo iloko o ka makahiki o 0,8% m 12 mahina = 9,6%, ka hopena kiʻi he uuku emi o 20% mākou. A pau hoʻomaka ai pono ...

Ano lawe i ka mea nui loa ma mua kilohi ana o 16%. Inā ma lalo o ka aelike mea maoli i huna 'āhewa' ana no ka hana, heʻano o ke Komisina, a no laila, ma luna, E., kēia Lolina ma ka hoʻomaʻamaʻa makemake ia i ka makepono.

No laila, i loko o iho i ka haʻahaʻa pakeneka o ka mea ana i olelo mai ai. E imi i ka loa mea eʻoi aʻe kaumaha, e pono e ike, a akahele hoÿomaulia i na koina a pau, e hāʻule ma luna o kou mau poohiwi.

kahi o ka epilogue

Ma ka hopena, au makemake makemake i ka olelo e, e imi i ke kapa, kahi e kiʻi i ka hoaie ma ka liʻiliʻi pakenekaʻaʻole e e paʻakikī, hiki wale nō e hele mai a hiki i kēia pukana seriously. E hoomanao, i kekahi kālā kula e,ʻaʻole hana i ka poino, a me ka uku i ka poe liilii, panee uku aʻole i manaʻo ' "noa." No laila, me ke kaumaha o ka "pros" a me ka "Con", aʻo like ka nui me hiki i nā noi. A ua ike hoi, e imi i ka pono kuala ana, a e e "haʻahaʻa" oe He pono no oe.