Whakarōpū, momo, me o haumi pūtea

haumi pūtea - utu reira te whakahaere tikanga mo te hoko o peeke (here, hea, arowhai, me ētahi atu), haumi i roto i te kaupapa tahi me ki nga moni ture o tetahi atu whakahaere, me te whare moni i raro i nga pitopito kōrero promissory atu ranei mea nama. Kaute mo haumi pūtea, ahakoa o ratou momo, faaterehia e te kai whānui i runga i kaute.

e kore e te whakarōpū kākahu, me te unambiguous o takoha pūtea katoa te tīariari, engari ahakoa, kei te ngā tonu ratou i etahi o nga āhuatanga e whai ake nei:

1. I roto i runga ki te taonga ōhanga ko:

• haumi Debt (arowhai, here, loans, pire o utu);
• tika (haumi i roto i te pane a mana, hea);
• pärönaki (pire o utanga, mana mau, kōwhiringa, ananahi kirimana me whakamua);

2. rā o tona faafariuraa:

• wā-poto (iti iho i te kotahi tau);
• wā roa-(i runga i te kotahi tau).

3. E ai ki te kaituku kia whakaputaina e:

• mana tūmatanui;
• takitahi;
• hinonga ture;
• mana terenga.

Ki te noho i te toenga o haumi pūtea Me ki kia hanga e toru tikanga wā kotahi:

- wātea o ngā tuhinga, i kua oti rawa te whariki rawaka me te tautoko i wātea i te mana whakahaere;

- te whakawhitinga o te tūpono pūtea katoa ki te whakahaere;

- ki te kaha o haumi hei whakahaere-utu whai hua.

E rongoa nei i te lekooti o haumi, e kore e taea te hanga e koe hape. Na, mo te tauira, Me ki e mohio te mea e kore e no ki a ia:

• ake hea i hoki e hokona i whai pānga hoki te whakaaro o te whakakorenga mo te iti ranei;
• haumi i roto i te hoko whare me te taonga turanga, e whai puka, me te whakahaere tūturu-rauemi e wātea ana mō te whakamahi i tetahi wa mo te tetahi utu;
• tuhipoka promissory tukuna i roto i utu mo te mahi i mahi, ranei taonga hokona production;
• whakapaipai, mahi ngā o toi, metara utu nui, me te tahi atu taonga o te āhua ōrite e kore e i riro mo te whakatinanatanga o te mahi noa.

Kaute mō haumi pūtea kua ki kia tino pau, me te ki te uruhi i taua mahi:

1. whakaatu pono utu taketake ina e ineine ratou o te hopu ranei.
2. tuhi wā o whakawhitinga mo te rironga tikanga ranei, pono tuhia.
3. anō wā.
4. Mana o te haumaru o haumi pūtea katoa e kua riro mō ngā take kaute.
5. Mana o te hanganga me te whakamahi o rāhui mō te hekenga uara.
6. tahua tika o hua e pā ana ki haumi pūtea.
7. Ko te tika o te tātaitanga o takoha, e pā ana ki ngā whakawhitinga e haumi ona moni.
8. Hanganga i roto i te mōhiohio tauākī pūtea e pā ana ki to ratou aroaro, me te kaupapa.
9. He rārangi ki te tāutu i ngā hapa tuwhene ranei.

A, no te pupuri i te lekooti e o haumi pūtea, kua oti te tuhituhi whakawhitinga i runga i te oma waea 58. He kaha ia me he ona ake iti-pūkete:

1. haumi wā-poto i roto i te peeke.
2. Whakaratohia loans wā-poto.

Me mea te reira e tika tango ki haumi pūkete hanga e ratou utu rawa taketake. I roto i tenei take, te tikanga o tona hanganga tei runga i te tikanga i roto i nei tae ratou. Ko te kupu, i hanga ratou utu tuatahi te ake i te maha o taurangi, ara, te utu o te rironga o haumi, haapa'o, me te mōhiohio ratonga, te nui o ture , me te tahi atu utu e e te hopoia hono ki haumi.