ʻAʻole i wehewehe ʻia ka pākēneka kiʻekiʻe o ka ratio aie e kekahi kānāwai, akā ʻae like nā panakō ʻo ka paepae ʻaʻole e ʻoi aku ma mua o 33% o ka loaʻa kālā. Si ʻO ka hopena i loaʻa iā ʻoe ma mua o 33%, kāu noi no aie hiki ke hōʻole ʻia ke kaʻa.
Eia kekahi, pehea ʻoe e ʻike ai inā ʻae ʻia kahi hōʻaiʻē? ʻO ka mea mua i lawe ʻia i ka nānā ʻana i ka faila loa, ka maikai solvency o ka mea kuai. Pono ka mea hope ma kahi ʻaelike mau a loaʻa ka loaʻa kālā e uku mau ʻia i kāna moʻokāki. A laila, ʻaʻole pono ka nui o kāna aie ma mua o 33%. He uku ma lalo o kēia paepae loa ʻoi aku ka maikaʻi.
He aha ka lā palena no ka ʻaelike hōʻaiʻē? ʻO kēia hoolaha ana ʻo 45 mau lā, a no ka mea, he 45 mau lā o ka mea kūʻai mai ninini kiʻi iā ia ʻaelike hōʻaiʻē, i ʻole e hōʻole ʻia kahi paukū kānalua i ka ʻaelike kūʻai. No laila pono mākou e hana wikiwiki! Hoʻohālikelike i nā uku no ka manuahi!
ʻO wai ka hui e ʻae maʻalahi i ka hōʻaiʻē? TOP 7 Nā hui & Panakō Eia hāʻawi aku Māmā
- FLOA Bank.
- Cetelem.
- ʻO Advanzia Bank a me ke kāleka Zero.
- ʻO ka panakō Novum (mini aie Kālā kālā)
- Ka Banako Mutualist Farani.
- ʻO ka Casden.
- Le aie Āina.
Akā no ke aha e hiki ʻole ai iaʻu ke hōʻaiʻē?
ʻAʻohe Pas pono i ka aie.
Hoʻoholo kēlā me kēia hui panakō i kāna mau pono ponoʻī no ka ʻae ʻana i kahi noi hōʻaiʻē. Hiki i kāu panakō ke hōʻole iā ʻoe i kahi hōʻaiʻē inā manaʻo ʻo ia ʻaʻole hiki ke uku Pas ʻoluʻolu a i ʻole he pilikia loa kāu papahana.
He aha ka lā palena no ka ʻaelike hōʻaiʻē pilikino?
ninini loaʻa kālā mai Loan pilikino maʻamau: 8 a 15 lā. ninini loaʻa ke kālā hōʻaiʻē liʻiliʻi ma lalo o €200: 24 a 72 mau hola. Loaʻa ke kālā no ka hōʻaiʻē kaʻa: 8 a 15 mau lā. ninini loaʻa kālā mai mākaukau waiwai paʻa: 15 lā a 2 mahina.
Pehea ka lōʻihi ma hope o ka ʻaelike hōʻaiʻē? hoolaha ana ka ae ana i ka haawina o mākaukau : 10 lā
Hiki iā ʻoe ke hāʻawi wale i kāu ʻaeaprès pau ana o keia hoolaha ana. No laila hiki iā ʻoe ke hoʻihoʻi i ka hāʻawi i kāu mea hāʻawi mai ka lā 11 ma ka leka i hoʻopaʻa ʻia a pūlima ʻia.
ʻO wai ka mea hoʻoholo i ka hāʻawi ʻana i kahi hōʻaiʻē? ka panakō, a i ʻole ka hui ʻana o aie, haawi i ka mākaukau neʻe ʻole.
He aha ka lohi i waena o ka hāʻawi hōʻaiʻē a me ke kau inoa ʻana i ka palapala hope?
Le hoʻolohi ma waena ke loaʻa nei kahāʻawi ʻaiʻē listenʻia inoa ma ka notary ʻaʻole eʻoi aku ma mua o 4 mau mahina. Inoa: i ka manawa kahāʻawi hope loa i loaʻa i ka panakō, pono ʻoe e kali ma kahi liʻiliʻi o 11 mau lā ma mua o ka hoʻouna hou ʻana i kāu ʻaelike.
He aha ka hōʻaiʻē maʻalahi loa? ka aie no ka ai ana ma maʻalahi ka loaʻa ʻana he hōʻaiʻē mea hou. ʻOiaʻiʻo, ka aie ka huli ʻana - i kapa ʻia ma ke ʻano he mālama kālā a i ʻole aie revolving - koi liʻiliʻi i nā palapala kākoʻo ma mua o kona mau hoahānau hōʻaiʻē pilikino, aie kaʻa a i ʻole ka hōʻaiʻē hana.
Pehea e loaʻa ai kahi hōʻaiʻē no ka maopopo?
No ka ʻae ʻia ʻana o ka ʻaiʻē, pono e kūlike ke kūlana o ka mea ʻaiʻē me nā koi o nā hui aie a me nā panakō. No ka laʻana, pono e loaʻa iā ʻoe kahi hiki ke hōʻaiʻē, loaʻa ka loaʻa kālā paʻa a ma ke ʻano he ʻaelike hana lōʻihi.
Pehea e ʻae ʻia ai kaʻu palapala noi? Nā kumu nui no ka ʻae ʻana a aie ʻai
- Mai paʻa
- ʻO ka lākiō aie kiʻekiʻe o 50% (ka uku hoʻolimalima a i ʻole aie immo / (ka huina kālā - penikala)
- Ke ʻano o ka hana: ma ka liʻiliʻi he CDI (hiki i ka CDD a i ʻole Interim ke hala no kahi liʻiliʻi aie )
He aha nā kumu o ka hōʻole ʻana i kahi hōʻaiʻē moraki?
ʻO nā kumu nui o a hoole moraki
Inā ʻaʻole paʻa kāu ʻōlelo hōʻaiʻē: nā overdraft maʻamau, hoʻolilo koi, waiho ʻia me ka Banque de France, hoʻopaʻa inoa ma ka Personal Credit Repayment Incident File (FICP), etc.
Pehea e loaʻa ai kahi hōʻaiʻē inā hōʻole nā panakō?
manaʻo hoʻopuka e kiʻi i kāu mākaukau waiwai paʻa me ka hōʻole ʻana i kāu kapa ?
- E nānā i kāu faila noi loan a hoʻomaʻemaʻe i kāu mau moʻokāki ma ka hoʻoholo ʻana i kāu mau hōʻaiʻē o kēia manawa, no ka laʻana.
- E hele a puni nā mea ʻē aʻe mau kapa a .
- E hoʻokaʻaʻike i kahi mea kūʻai kūʻai waiwai (ma ka pūnaewele a i ʻole ma kahi ʻoihana) e kōkua iā ʻoe.
Pehea e ʻae ʻia ai kaʻu palapala noi? Nā kumu nui no ka ʻae ʻana a aie ʻai
- Mai paʻa
- ʻO ka lākiō aie kiʻekiʻe o 50% (ka uku hoʻolimalima a i ʻole aie immo / (ka huina kālā - penikala)
- Ke ʻano o ka hana: ma ka liʻiliʻi he CDI (hiki i ka CDD a i ʻole Interim ke hala ninini liʻiliʻi aie )
Pehea ka lōʻihi ma waena o ka hāʻawi hōʻaiʻē a me ke kau inoa ʻana i ka palapala hope? KA hoʻolohi ma waena ke loaʻa nei kahāʻawi ʻaiʻē listenʻia inoa de I L 'hana hope ʻAʻole pono e hoʻonui i ka notary ma mua o 4 mau mahina. Ke hoʻihoʻi ʻoe i kāu hāʻawi ʻaiʻē, e hoʻomaopopo i kāu notary i mea e hoʻonohonoho i kahi manawa no ka inoa de I L 'hana maoli i ka hoolaha ana haawiia.
Hiki i ka panakō ke hoʻi i kahi hāʻawi hōʻaiʻē?
ʻAʻole, inā ʻoe e ʻae i kakaumaha ma mua i loko o nā lā palena kānāwai (10 mau lā liʻiliʻi, 30 mau lā kiʻekiʻe), ka kapa ne e hiki Pas hoʻi ma kona kaumaha.
Pehea ka hoʻokuʻu ʻia ʻana o ke kālā? No kahi waiwai kahiko. Pono e uku ʻia ke kumukūʻai piha o ka waiwai i ka mea kūʻai aku i ka lā kūʻai. KA wehe ana no laila i hana ʻia no ka nui o ka hōʻaiʻē ma ka notary. Ma hope o ka pau ʻana o nā kaʻina hana hoʻokele, e hoʻoili ka notary i ka kālā i ka waihona panakō a ka mea kūʻai aku.
He aha ka ʻanuʻu ma hope o ke kau inoa ʻana i ka hāʻawi hōʻaiʻē?
La inoa ʻO ka palapala ʻoiaʻiʻo pono e hana i loko o 4 mau mahina après la inoa de I L 'hāʻawi ʻaiʻē. Hoʻokuʻu ʻia ke kālā i kekahi mau lā ma mua o ka inoa o ka palapala notari. E hoʻoili ʻia nā kālā i ka moʻokāki o ka notary.
ʻO wai ka mea e hōʻoia i kahi faila moraki? Hooiaio ana o mākaukau e ka panakō: hoʻopaʻa ʻia ka hope i kāu noi molaki, kāu hāʻawi pilikino, kāu aie, etc. He loiloi i ka pilikia o kāu pūnaewele. Si le mākaukau pilikia, e lōʻihi ka lōʻihi o ka noi no ka loaʻa ʻana o ka pane.