Ma hea e hiki ai ia'u ke loa'a nā loina me ka mo'olelo kuhi hewa maika'i'ole me ka'ike'ole?

He aha e hana ai inā he pilikia nui ka kālā, akā,'a'ole lākou a'a'ole e mana'o'ia ana? 'O ka lawe'ana mai nā'ohana a me nā hoaaloha he'ano maika'i'ē a'e, akā'a'ole lākou e loa'a kālā i ka manawa a i'ole ka nui kūpono. 'Ae, a aia kekahi'ōlelo: "Inā makemake'oe e loa'a ka'enemi - e hō'ai'ē kālā mai kekahi hoaaloha." I kēia manawa, nui nā po'e e ola nei me kēia credo. No ka mea'a'ole'oe e makemake e lilo ka po'e i aloha'ia ma kahi'āina momona. A'a'ole he wahi e hele ai. 'A'ole kālā,'a'ohe wahi. I kēia hihia, hā'awi nā kīwila i nā kālā'ē i nā kānaka. Akā na'e,'a'ole hiki ke loa'a mau'ia ma laila. He'u'uku ka uku, a laila'a'ole pono nā makahiki, a laila ua hewa ka mo'olelo o nā loina. No laila, i hea e loa'a ai nā hō'ai'ē me kahi mo'olelo kuhi hewa'ole?

He aha ka hō'ai'ē?

Makemake mākou i kekahi mau kālā, maika'i,'a'ole wikiwiki paha, akā, e pono ana. Loa'a mākou i kahi mea a i'ole kālā wale nō. A ma'ane'i nā'aha kālā,'o ia ho'i nā kāpena, ua mākaukau e hā'awi iā mākou i ke kālā me ka kuleana e ho'iho'i mai iā lākou ae uku hou i kekahi'āpana no ka ho'ohana'ana. 'O kēia ka hō'ai'ē. 'A'ole loa'a nui ka nui, loa'a, loa'a, akā e uku, me ka ukupanee, akā no ka li'ili'i, li'ili'i li'ili'i,'oi aku ka ma'alahi. 'O kēia ka mea i mana'o'ia e ka hapanui o nā kānaka,'a'ole wale ma Russia wale nō, akā ma ka honua holo'oko'a. Ma'Amelika,'o ia mau loans ke kumuhana'eha loa. Kū'ai nā kānaka i nā mea a pau ma ka hō'ai'ē, a me kā lākou mau aie i kekahi manawa e helu'ia ka hanauna hou: nā keiki a me nā mo'opuna. Ke hana iki nei mākou, akā'o ka manawa kūpono e ho'ohana i ka nui nui i kēia manawa, me ka kali'ole'ana i kekahi manawa aloha, ho'onāukiuki i nā kānaka he nui. 'O kēia ka hopena i ka hā'ule'ana o nā uku, me nā hopena. 'A'ole e ho'opuka'ia kahi hō'ai'ē me ka mo'olelo kuhi hewa maika'i a me nā mea pili'ole i kēlā me kēia kāleka. A laila ho'omaka ka pilikia a me ka nīnau: "Ma hea kahi e loa'a ai kahi hō'ai'ē me kahi mo'olelo'ino?"

Nā mana'o i ko mākou ola

Hiki loa ke'ano o ka nohona. 'O kekahi po'e e komo i loko o ka hō'ai'ē ma ka naivety,'o kekahi po'e'a'ole e no'ono'o i nā hopena,'o kekahi po'e e ho'ohana i ke kālā i ka waiwai kūpono a me ka loa'a nui o ka pōmaika'i mai ia kālā. 'O nā mea a pau e pili ana i kēia mau'ano a me ke'ano o ka mana'o kanaka. Eia kekahi la'ana, hiki ke kali ka polokalamu i'oi aku ke'ano ma'alahi a inā'a'ole i ho'omākaukau ka pakuna'ohana no ka hō'oia'ana, akā'o ka hana, ke a'o'ana, kahi hale ka'awale no ka'ohana'ōpio a i'ole ke kālepa'ana i kahi'oihana, he kumu maika'i nō ia e ho'ohana ai i nā kālā o nā po'e'ē a'e. 'O kekahi po'e, e ki'i ana i ka no'ono'o'ole o nā loans no ka ho'okipa'ana a me nā mea kūpono'ole, hiki i kekahi wahi nui, i ka wā e pono ai lākou i nā kālā kālā, a hō'ole'ia. A eia hou, ua ho'onele'ia lākou e ka nīnau: "Ma hea e hiki ai ia'u ke loa'a nā loina me ka mo'olelo kuhi hewa'ole?"

Nā'ano loans

Loa'a nā'ano loina like'ole no nā kumu like'ole. A'o ka'ike kūpono a me ka ho'ohana'ana i kēia mau mea waiwai e hiki ai ke ho'oikaika i ka mea. No laila, ua ho'olālā'ia ka mea kū'ai e kū'ai i nā mea hana hale, nā lako, nā mea no ka hale. Loa'a'o ia i nā uku li'ili'i ma mua o ka uku kālā. Hā'awi'ia lākou ma ka malu o ka mea i kū'ai'ia. 'O nā ha'awina kālā kālā he'ano'ē a'e. Ma'ane'i e ho'oholo ai ka mea noi i ka mea e lilo ai no ia, a'a'ole ho'i e hō'ike i ka'a'a. 'A'ole i ma'alahi nā kāleka kāleka e like me ke kālā, akā nui nā komisina ma luna o lākou, a he ki'eki'e nā peke. Loa'a kahi moraki - e kū'ai i hale, aia nā huahana hana kūikawā e ho'onui i kā lākou hui, kū'ai'ana i nā lako a pēlā aku. Loa'a nā loans auto a me ka ho'olimalima. Loa'a nā laina i loa'a ma ka waiwai. Ua hana'ia lākou a pau no nā'ano like'ole, makemake i nā palapala like'ole, akā, e'ike'ia nā'ike e pili ana iā lākou a me nā uku ma luna o lākou i nā pūnaewele kālā a pau loa. No laila, i'ole e no'ono'o iā'oe iho kahi e lawe ai i nā ukana me kahi loiloi hō'ailona maika'i, pono'oe e helu pono i kou mau ikaika a hana i nā uku mahina i ka manawa.

Pehea e ho'oholo ai ke kāleka i ka nui o ka lawe

Ke noi'oe i kahi pūnaewele kālā no kahi hō'ai'ē, hā'awi'oe i ke kāleka me nā'ikepili like'ole e pili ana iā'oe iho, kāu hana a me kāu uku, kou'ohana a me kāu kūlana kālā. Maanei, ke'ano o ka hi'ohi'ona he'ano, a me ka hō'ailona o ke kumu i lawe'ia ai kēia kumukū'ai. 'O nā'ike nui e pili ana i nā loina i hala. Inā'a'ole'oe i loa'a'ē, inā paha, e hā'awi'ia'oe i ka loiloi me ia. 'O kēia mau mea a pau e hiki ai i ka mea kū'ai ke ho'oka'awale i ke kālā. Ma muli o ia mea, no laila, e uku ana'oe i ka uku ki'eki'e ma mua o ka mea i mana'o'ia. E ho'opuka 'ia ka' inikua i ka mea i li'ili'i 'oe ma ka mo'olelo. Ho'olimalima'ia nā mea kū'ai ma'amau a me nā uku. Eia kekahi la'ana, he kālepa kālā kāu ma kekahi o nā kapa; Loa'a, ma hope o kekahi mau makahiki o ka lawelawe, e hā'awi'ia iā'oe kahi kāleka kālā pilikino me ka uku ha'aha'a ha'aha'a. Inā'a'ohe lawa kāu kālā e uku ai i kāu mau aie a pau, no laila'a'ole e pu'upu'u iā'oe iho me ka no'ono'o o kahi e loa'a ai kahi kālā me kahi hō'ino'ole o ka mo'olelo, hiki iā'oe ke ho'olimalima kālā. Hā'awi'ia kēia lawelawe i nā'ano like'ole. 'O ka mea mua, hiki ke ho'olimalima kālā i kekahi o nā loina e ho'ēmi i ka uku mahina. A'o ka lua, me ke kōkua'ana o nā huahana kūikawā o ka'ake, hiki iā'oe ke ho'ohui i kāu mau loans a pau a ho'okahi i ka manawa e uku ai. Ua'oi aku ka maika'i ma mua o ka nānā'ana i kēlā manawa, i kahi e loa'a ai kahi hō'ai'ē me kahi mo'olelo kuhihewa loa.

Nā palapala e koi'ia ana no ka hō'ai'ē

Ho'ohana'ia ka palapala mua i nā manawa a me nā wahi a pau. 'O kāu passport kēia. Pono e koi'ia i kekahi hihia e ho'omaka i kou'ano. 'O ka palapala'elua e hō'oia i ka pololei o kēia. Hiki iā ia he palapala laikini ka'a, SNILS, kulekele, TIN, a me nā mea'ē a'e.'O ka mea'ekolu āu e makemake ai he hō'ailona ia o ka wahi o ka hana a me ke kelepona ho'ohana. I kekahi manawa pono'oe i kahi palapala hō'oia no nā mahina i hala hope nei. Nā'ike nui no nā mea aie: ke home a me ke kelepona helu, ka helu kelepona helu, ka helu o nā mākua a me ka wahine. 'O kēia ka papahana nui o nā palapala e makemake ai i nā mea ho'olālā kālā a pau.

'O nā mea nui e pili ana i ka mea noi

E ho'oholo ana kēlā me kēia pu'u kālā i kahi'ike e pili ana i ka mea nāna e noi. He mau makahiki. Eia kekahi la'ana, no nā kānaka ma lalo o 21 a'oi aku i 50 mau makahiki,'a'ole nui nā pūnaewele waiwai e hā'awi kālā me kahi mo'olelo maika'i. 'O kahi hō'ai'ē me ka'ole palapala hō'oia me ka mo'olelo kuhi hewa'ole, mai ke'ano o ka mo'olelo. Eia na'e, aia nā hui e hiki ke kōkua i kēia hihia. 'O ka'ike ko'iko'i e pili ana i ke hiki'ana o nā keiki a me nā pilina pili i ke kāne, a me ka pilina'ana me nā pilina. 'O ka ho'opa'a inoa'ana i kēia mea he mau mea nō ho'i. Inā noho kahi kanaka ma kahi lō'ihi mai ke kūlanakauhale kahi e kū nei ke kāleka i koho'ia, e ho'emi loa'ia ana kona mau loa'a o ka loa'a. Ua ho'okomo'ia kēia'ike i loko o ka'ikepili. 'A'ole loa lākou e nalowale mai laila mai. Eia kekahi, i kēlā me kēia hihia, i nā makahiki e hiki mai ana -'oia'i'o. A inā'a'ole i hā'awi'ia nā'ikepili i hō'ike'ia iā'oe e kāhea iā'oe he mea noi kālā, mai hō'eha'oe ia'u:'o ka hō'ai'ē kālā me kahi mo'olelo pa'akikī pa'akikī e loa'a, inā'a'ole hiki'ole.

He aha ka mo'olelo'ino

'O kekahi pūnaewele kālā e hā'awi i ka lawelawe no ka ho'oma'ama'a'ana iā lākou me ko lākou mo'olelo pono'ī. E hā'awi'ia'oe i kahi pa'i pa'i, e hō'ike ana i kāu mau loans a me kāu mau hō'ai'ē, ka nui a me nā hua'ōlelo, a me nā mea i pau'ole iā'oe a'a'ole ho'i i uku'ia. 'O nā pū'ali a me nā hui e pili ana i ka hā'awi'ana i ka heluna kanaka hiki ke komo i kēia'ikepili. 'O kēlā me kēia hihia i ka wā e lawe ai'oe i ka hō'ai'ē, e ho'opa'a'ia i nā'ikepili kūikawā kūikawā a'ike'ia e nā pūnaewele like'ole. No laila, ho'ā'o nā'aulā e pale iā lākou iho mai nā mea kū'ai aku i lawe'ole mai iā lākou i nā waiwai, a hiki paha i ka ho'onohonoho'ana i nā pohō kālā.

Pehea e'ike ai i kāu mō'aukala ho'okele

Hiki i kekahi mau kāleka ke hā'awi iā'oe i kēia'ike me ka uku'ole'ia, e lawe kekahi i kekahi'ano hana. 'O nā'ano mo'olelo a pau e waiho'ia ana ia i ka Buro o Credit History. Ua mālama'ia lākou he 15 mau makahiki mai ka hō'ike hope loa. Hiki iā'oe ke ho'ololi i kēia palapala i ka ke'ena o ka panakū me kou'ae wale nō, e like me kāu e loa'a ai ka'ike mai laila wale nō me kāu'ōlelo. I ka manawa e ho'opiha ai'oe i kāu noi noi ai'ole e hō'ailona i kahi'aelike, hā'awi'oe i ka'ae'ana pēlā. Hiki iā'oe ke'ike i ka helu o kou mo'aukala ma luna o ka pūnaewele o ka pohā nui'o Rusia, a ma o nā hui kālā pū kekahi ma ka hō'ike'ana i kahi palapala e hō'oia ana i kou'ike. Ho'okahi manawa i ho'okahi makahiki, ua lako ka mo'olelo. Me ka loa'a pinepine'ana i kēia'ikepili, pono e uku.

Kahi e lawe ai i nā ukana me kahi mo'olelo kuhi hewa

Inā ho'opau'ia kāu mo'olelo, akā,'a'ole weliweli loa, he mea kūpono ke hele i nā'auwa'a kokoke. He mea hiki'ole iā lākou ke kinaki i nā mea'oi'ole. 'O kahi hō'ai'ē me kahi loiloi hō'ailona maika'i a me nā mea pili'ole hiki iā'oe ke loa'a i nā'oihana microfinance. I kēia manawa he nui nui, kokoke lākou i kēlā me kēia kū'ana o ke kūlanakauhale. Eia na'e, ua kūpono kēia hō'ai'ē inā wale'oe e no'ono'o e lawe i ka uku no kahi manawa pōkole. Eia kekahi lā, no nā lā he nui. 'O ka nui o ka uku kālā ma kēia mau hui he nui. Inā'a'ole'oe e ho'iho'i iā ia no ka manawa lō'ihi, i ka hopena,'ekolu manawa ka nui o ke kālā, a'o kēia ma kahi maika'i loa. Ua ho'okumu kekahi mau pū'ulu i nā papahana kūikawā no kēlā po'e mea kū'ai. Eia kekahi la'ana, "Renaissance", "Citibank", "Webbanker", "Ho'oponopono." 'O Sberbank kekahi papahana like'ole, akā e koi ana nā limahana i nā palapala. Ma hea e hiki ai ia'u ke hō'oia'i'o i ka mo'olelo'ino maika'i? Aia kekahi'oihana'oihana "Finguru". Aia kekahi papahana'ē a'e. 'A'ole'oe e hā'awi i ka hō'ai'ē'a'ole ma nā kāleka, akā, na ka po'e i hā'awi i kā lākou kālā (no ka loa'a) ma kēia lawelawe. 'O ka no'ono'o'ana i kēia mau noi a pau he'akahi no ka lā ho'okahi.

'O ka ho'opa'i kūpono

Me ka hala'ole o ka aie a i'ole ka lō'ihi, e ho'onui loa'oe i kāu kūlana. Inā'o ka hō'ai'ē he loan kālā kālā, aia i ka 'āpana ke kuleana e lawe i kahi i lawe'ia ai. Ma hope o ka hālāwai ho'okolokolo a me ka ho'olaha'ana i ka'ōlelo ho'oholo no ka ho'iho'i'ana i ke kālā i ka mea kū'ai, pono'oe e uku i kāu mau aie. Inā'ole, hiki iā'oe ke hō'ike pono i ka waiwai.