Kiritaki nama ki takitahi - te wahi o te pono i te tohunga

Ko te ratonga tino rongonui tapaea e tahatika arumoni - ko te takitahi kiritaki nama tenei. Na kahore he mea whakamiharo, no te mea tenei momo o te tuku moni e taea te kawe moni pai mō pūtahi pūtea o to tatou whenua. he tika ki te tino tenei auau huamoni. Na, mo te tau, tango ki komihana pūkete me te moni taimaha kiritaki e pā ana ki 40% o te taurewa.

Kiritaki nama ki takitahi: etahi āhuatanga

utua takitahi kaimahi - mākete. Credit tukuna anake te kaimahi e utua ana. Tei te nui taurewa i runga i te rahi utu whakamutunga. Ahakoa, ki te āhua pānuitanga o te pēke e takahi taea te tiki e koe i te nui nui o te moni, ka iti nama e tatau anake i runga i te pūtake o to koutou moni. Fele, te nui taurewa mōrahi ko e pā ana ki toru utu marama. Muri, ki te ki te aufau i roto i te wa whakarite i ona herenga, kia whakaara i te pēke te rohe ki te ono utu marama toharite o te nama.

Ko te auau huamoni i runga i kiritaki loans ki nga tangata māori ko nui ki runga ake i ētahi atu hua taurewa. he tika ki te tiketike tenei mōrea nama: i roto i te meka, e kore e tenei momo o te taurewa noaa i te kaiwhakakapi. I tua atu, i reira he tonu he mōrea o te tangata pupuhi i mahi, a ka te takanga o utu tōmuri. No te mea pēnei i te nama kiritaki iti - ko te hokohoko nuka kamupene pūtea. Ki te päpätanga huamoni iti ka waiho reira huakore mo te pēke.

Arā te aroaro o te pēke kōwhiringa moni hei waia ki nga ngā o tuku. He take e taea te rongo i tetahi anake auau huamoni i pānuitanga, engari i roto i te vairaa mau i reira ko te kōmihana marama, inihua, me te pera i runga i.

Arowhai ahakoa te nama te pēke, ka meinga koe hei taurewa?

Kei te ngana katoa pēke ki te tākaro haumaru, me te whakaiti i a ratou tūponotanga. Na reira, ka e tonoa kaitono ki te puta kiritaki loans ki takitahi, whakatinana te pēke he tirohanga whānui.

Ko te tuatahi manatoko i roto i kapeneti nama nama (CRB). Ki te kē ka mau koe i roto i te taurewa, ka puta te kapeneti nama he tono mō ngā mōhiohio pēke e pā ana ki tona hokinga e, me te whakaputa i tō whakatauranga. Mai i tenei kōrero tei runga i te whakatau atu o te pēke tuku te nama pea.

He rerekē i ia huarahi pēke ki te hītori nama: tangohia etahi te mōhiohio mō te rua tau e whakamutunga, te atu hoki e rima nga tau.

hiahia ana tatou ki te whakahua kiritaki nama kahore uiui i runga i moni. Ko nui raro atu i ki uiui me reiti te nui o taua taurewa - nui teitei. Na reira, ki te whakamahi i tūtohutia te taurewa taua e anake i roto i te wā tino.

Piro ki whakaaro ngā kaitono e pea

• I mua i te tango koe i roto i te taurewa, e hiahia ana koe ki te whakaaro tino pai tenei wa. e kore te mea e tika ana faufaa ore ki te tango i reira.
• Kia whai whakaaro ki te mea he utu whakamarie i runga i te pūtea taurewa, e kore nei e nui 25% o to koutou moni kupenga. I roto i tenei take, ka waiho i te nama moni noa, te tikanga mo te tahi atu mau tumu.
• Kaua e tango i nama "ki te nenewha", mai ka hua te huringa i roto i to koutou iho utu i roto i te Haututū i runga i te pūtea taurewa.
• Kia mau ki te kanohi i runga i tō hītori moni tāwere, no te mea e kore koe e mohio ko te aha e taea e tupu i roto i te ora, na tangohia tiaki o te heke mai.