Pehea e kū'ai ai i kahi lumi, inā'a'ohe kālā, i kahi'ohana'ōpio?

'O ka hapanui pinepine o nā'ohana'ōpio e hele ma nā lumi li'ili'i a noho paha me ko lākou mau mākua, a ho'onui i ka nui o ka hemo'ana. Ma ka hale o kēlā me kēia hale, nui wale nā hoa kāne e moe'uhane, akā'o ka hale pono'ī kahi moe'uhane maoli! Pehea e kū'ai ai i kahi lumi inā'a'ole kālā? He pilikia kēia e ho'oponopono ai mākou ma kēia'atikala.

Ke ho'omākaukau ho'omākaukau no ka loa'a'ana o kahi lumi

Pono ka moe e pili ana i kahi lumi pono,'o ia ho'i, e pena i kou moe no nā pahuhopu a me nā hana. No laila, pono'oe e pane i nā nīnau.

• E kū'ai aku ke kumukū'ai no ke kālā a ke noi'ai'ē paha ma ka hō'ai'ē? Inā no ka kālā, e kākau i ka papa inoa o nā kānaka āu e noi ai me ka uku a me ka'ole paha, a no ka lō'ihi. Inā'oe e hō'ai'ē, e ho'opa'a i nā inoa (nā inoa, nā'ike hulina a me ka uku moraki me kahi manawa).
• I ka moku hea kahi e makemake ai e kū'ai i hale? Ehia mau lumi i loko o ke ke'ena? He aha ke'ano o kahi e makemake nei'oe?
• 'Ehia kālā āu e pono ai no ka hale i kahi i makemake'ia? Eia kekahi la'ana, makemake'oe e kū'ai i kahi lumi lumi'oko'a 1, no laila ma kekahi wahi kiko'ī, kāhea'oe i nā ho'olaha a pau e ho'omākāka i ke kulekele kumu kū'ai.
• Pehea e loa'a ai ia'u kahi kālā hou? 'Ehea ka lō'ihi e loa'a ai ka uku i makemake'ia?

Ke kali nei kēia manawa a hiki i ka lawe'ana o ka'ohana'ōpio i kahi moraki ai'ole e kū'ai i hale. No laila, he mau makahiki a he mau mahina paha. Akā, pono'oe e mālama mau i nā hihia! 'O ia ho'i, aia nā'oko'a like'ole ma nā'akena kahi e hiki ai i nā'ohana me ka loa'a kālā o 15-20,000 rubles i kēlā me kēia mahina ke hele'ole me ka uku'ole.

A i'ole e kūkulu'ia kahi hale, kahi e ne'e koke ai nā mea nona ka'āina e noho ma waho a kū'ai aku i kahi hale elite me nā mea hana no kahi peni. Akā, e "hopu i ka hopena i ka huelo", pono'oe e hō'ailona mau i nā kapa a pau, nā po'e āu i'ike a ma nā ho'olaha ho'olaha.

Pehea e kū'ai ai i kahi lumi inā'a'ole kālā no ka moraki?

'A'ole'ike nā kumukū'ai he mau'ōpiopio'ōpio no ko lākou ha'aha'a ha'aha'a. Eia kekahi la'ana, loa'a iā Sberbank nā koi ko'iko'i no ka hō'ai'ē moraki: no ka'ohana o 3 mau kānaka, loa'a ke kālā ma 45,000 mau kura,'elua mau hope me ka hapa li'ili'i a me nā kālā'ole, a me kahi pai palapala.

I kēia hihia, pehea e kū'ai ai i kahi lumi me ka'ole kālā? No ka huli'ana i nā kumukānāwai kahi i'oi a'e ka hana ma nā hale hou (ma ke kula ki'eki'e, ua'oi aku ka nui o nā uku a'oi aku ka'oi aku o nā koi), hiki i ka'ohana me ka loa'a kālā he 20,000 no ka loa'a'ana o ka moraki no nā makahiki he 15 me ka hapa 12-hapa'ole. He hapalua makahiki, kope o ka palapala 'ae holo, ka puke mo'olelo hana a me ka diploma o ka ho'ona'auao). Ma muli o ka mea i ka wā o ka ho'ouka kaua'ana,'a'ole e nānā nā'aupili i nā lilo o ka'ohana, akā e nānā wale i ka waiwai.

Lawe mākou i ka moraki, kahi e loa'a ai ia'u ke kālā no kahi ha'awina?

'O ka mokule'a ke ala nui e kū'ai ai i kahi lumi hale inā'a'ole kālā. 'O ka uku ho'olimalima e koi i kahi li'ili'i he 10% o ke kumukū'ai o ka hale. I kēia manawa, aia nā po'e kūkulu hale hou mai 950,000 mau'āpana. A laila, ua lawa ka ho'ohui mua'ana e hō'ili'ili i 95 mau rubles.

Hiki ke hō'ili'ili'ia kēia nui ma ke kālā ma kāu iho. 'O kahi la'ana, hiki i nā pono makuahine a me ka laikini makuahine ke ho'onui i ka nui o ka uku i lalo. Inā e kali ana ka'ohana no kahi keiki'elua, a laila hiki iā ia ke loa'a ke kālā kālā makuahine, no laila e hiki ai ke emi i ka huina mokulele.

I ka manawa i ho'oholo ai'oe i ka'aeke, hā'awi'oe i nā palapala a kali i ka ho'oholo o ka hana. Ma hope o ka loa'a'ana o kahi hō'ai'ē, he mau mahina'ē a'e (3-6) e'ā'ili'ili ana i nā palapala no ka ho'olimalima'ana i kahi lumi ma ka hale, i mea e a'o'ia e nā papahana like'ole mai ka mea nāna i ho'olālā a me ka'auke.

No laila, i mea e hiki ai i kāu moe'uhane ke hō'oia'i'o, pono'oe e hana i kekahi papa hana, e no'ono'o i kēlā me kēia ho'oholo'ana, a hele i ka pahu i kūkulu'ia,'a'ole e ha'alele, loa'a i nā manawa hou! 'O kēia wale nō i ka nīnau: "Pehea e kū'ai ai i kahi lumi, inā'a'ohe kālā, i loko o'elua mau makahiki wale nō?" -'a'ole'oe e waiho i ka hopena make.