ʻO ka hōʻaiʻē kaʻa ma Rosselkhozbank - nā kūlana a me ka uku uku

Nui ka nui o nā panakō ma Rūsia, a kokoke i kekahi o lākou hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē no ke kaʻa. ʻaneʻane like nā papahana hāʻawi kālā, ʻano liʻiliʻi ka uku paneʻe - ʻoi aku ka nui o kekahi, ʻoi aku ka liʻiliʻi. ʻO ʻEulopa a me ʻAmelika me ko lākou mau kūlana mamao loa.

Akā ʻoluʻolu kekahi ʻoiaʻiʻo aia nā panakō e hiki ke hāʻawi i kekahi mau makemake no kekahi mau ʻano o ka heluna kanaka. E lawe, no ka laʻana, Rosselkhozbank. He ʻoihana kālā mokuʻāina kēia, nona ka waiwai o ka mokuʻāina o ka Russian Federation, ʻoi aku ka nui o ke kapikala ma mua o hoʻokahi trillion rubles.

Wahi a ka helu 2014, ʻo Rosselkhoz Bank kekahi o nā ʻumi mau waihona hilinaʻi ma Rusia, a ʻo kekahi o nā haneli nui loa ma ka honua.

Ua maopopo mai ka inoa ua hana ʻia i mea e kākoʻo ai i ka paʻakikī agro-industrial o Russia. Hiki i nā lunamakaʻāinana o ka ʻāpana kuaʻāina o ka heluna kanaka ke loaʻa nā hōʻaiʻē ma ʻaneʻi no ke kūʻai ʻana i nā mīkini mahiʻai, nā lako no nā mahi moa a me nā mahi holoholona. Malia paha i loko o kēia panakō hiki i kahi kanaka maʻalahi mai ke kauhale ke loaʻa i kahi hōʻaiʻē e kūʻai i kāna kaʻa mua.

He aha nā kumukūʻai e hiki ai iaʻu ke loaʻa i kahi hōʻaiʻē ma ka Russian Agricultural Bank?

ʻŌlelo hāʻawi

No ka mea he mokuʻāina ʻo Rosselkhozbank, ʻo nā kūlana no ka loaʻa ʻana o kahi hōʻaiʻē no ke kaʻa e like me ka waihona nui loa ma Rusia - Sberbank. ʻo ia:

• ʻo ka uku mua loa he 10 pakeneka o ke kumukūʻai;
• manawa hōʻaiʻē - mai hoʻokahi a 60 mahina;
• hiki ke loaʻa ka hōʻaiʻē e nā kamaʻāina mai 18 a 65 makahiki;
• ʻO ka nui o ka hōʻaiʻē nui he 3 miliona rubles, 100 tausani US kālā a i ʻole 75 tausani euros.

He aha nā koi i ka mea aie?

ʻO ka maikaʻi o ka loaʻa ʻana o kahi hōʻaiʻē kaʻa ma kahi panakō aupuni nui ʻo ia ka nānā pono ʻana i ka pae o ka loaʻa kālā a me ka mōʻaukala hōʻaiʻē o kēlā me kēia mea kūʻai aku. Ma nā panakō kalepa, ʻoi aku ka kūpaʻa o ka manaʻo, a ʻo ka hopena, ʻo ka mea hiki ʻole ke uku ke loaʻa i kahi hōʻaiʻē, akā laila e ʻike kēlā kanaka i loko o kona ʻili ponoʻī ʻo wai ka poʻe ʻohi, pehea kāna e loaʻa ai. overpay, e noʻonoʻo ana i nā uku a me nā hoʻopaʻi a pau, i ʻole e nalowale kāu kaʻa.

Ke nānā nei ʻo Rosselkhozbank:

• ʻike hana maʻamau;
• awelika kālā o kēlā me kēia mahina;
• ʻohana ʻohana, kuleana waiwai;
• Loaʻa i nā lālā ʻē aʻe ka loaʻa kālā?

No ke noi ʻana i kahi hōʻaiʻē, pono ʻoe e hoʻopiha i kahi nīnau nīnau hoihoi, a hōʻike i nā ʻikepili āpau i loko. ʻAʻole hiki ke hana i kekahi mea, no ka mea, ua nānā ʻia nā mea a pau a ua hāʻawi ʻia nā lā 4 no ka hoʻoholo hope loa (ma hope o ka helu 4 aia kahi asterisk liʻiliʻi a me kahi footnote - hiki i ka panakō ke hoʻololi i ka manawa no ka noʻonoʻo ʻana i ka hoʻohana i luna a i lalo).

Inā ʻaʻole ʻae kāu loaʻa kālā o kēlā me kēia mahina e uku i nā hōʻemi o kēlā me kēia mahina ma kahi hōʻaiʻē, a laila ʻaʻole ʻoe e ʻike i kahi kaʻa, ma ka liʻiliʻi ma kēia panakō.

ʻO nā koi no ka mea hiki ke hōʻaiʻē penei:

• ma ka liʻiliʻi o hoʻokahi makahiki o ka lawelawe ʻana i nā makahiki ʻelima i hala iho nei (ʻo nā makahiki 5 hope loa - ʻo ia hoʻi ma ka hopena o ka hōʻaiʻē, ʻo ia hoʻi, inā ʻoe e lawe i kahi hōʻaiʻē no 2 mau makahiki, a laila no nā makahiki 3 i hala);
• ma kahi hope o ka hana (i kēia manawa) pono ʻoe e hana no ka liʻiliʻi o 4 mau mahina;
• kamaaina o Rusia, kakau inoa ma kahi o ka lala panakō.

Akā, no ka poʻe kamaʻāina me ka ʻae noho kuaʻāina, a me ka poʻe e hana ana i ka agro-industrial complex, ka poʻe i loaʻa kahi moʻolelo hōʻaiʻē maikaʻi ma kēia panakō a i ʻole he moʻokāki me ia, aia kekahi mau ʻae: ma ka liʻiliʻi 6 mahina o ka ʻike, ka ʻO ka manawa o ka hana ma kahi hope he 3 mahina.

Uku uku panee

ʻO ka mea hoihoi loa, ʻo ia ka uku paneʻe, ma kēia panakō ke hilinaʻi nei lākou i ka manawa o ka hōʻaiʻē a me ka nui o ka uku. Inā hāʻawi ʻoe mai 10 a 30 pakeneka o ke kumukūʻai, e loaʻa iā ʻoe:

• no ka makahiki - 14,5%;
• mai hoʻokahi a ʻekolu mau makahiki - 15%;
• mai ʻekolu a ʻelima - 16%.

Inā ʻoe e waiho ma mua o 30 ka nui o ke kumukūʻai, a laila e 0,5 pakeneka ka haʻahaʻa: 14, 14,5, 15,5 pakeneka, kēlā me kēia.

E like me ka mea maʻamau, aia kekahi mau footnote ma nā paʻi liʻiliʻi:

• inā hōʻole ʻoe i ka ʻinikua ola i loko o ka manawa hōʻaiʻē holoʻokoʻa, a laila hiki iā ʻoe ke hoʻohui palekana i ʻelua pakeneka i nā uku i luna;
• nā makemake no ka poʻe i loaʻa nā waihona kālā a loaʻa paha kahi uku ma ke kāleka kāleka - hoʻemi ʻia nā kumukūʻai e hoʻokahi pakeneka.

ʻO ia hoʻi, ʻike mākou e hoʻāʻo nei ka panakō e pale iā ia iho mai nā pilikia āpau. ʻAʻole pono ʻoe e noi no CASCO, akā he kulekele ʻinikua olakino hoʻi, ʻaʻole ia he kumu kūʻai. Akā ʻo ka liʻiliʻi hiki ke hoʻopuka ʻia ʻo CASCO ma ka hōʻaiʻē ma aneʻi.

ʻO ka memo i ka mea hōʻaiʻē e wehewehe kikoʻī i nā hopena o ka hoʻopaneʻe ʻana i nā uku - no kēlā me kēia lā o ka lohi, hoʻonui ka uku o 0,1 pakeneka o ka nui o ka hōʻaiʻē. Inā lilo ke kanaka i mea ʻino ʻole i ka uku, a laila hiki ke kau ʻia nā hoʻopaʻi ma luna ona - 10 uku liʻiliʻi.

Inā ʻaʻole ʻoe makaʻu i kēia mau hopena āpau a paʻa ʻoe i kou mau wāwae i ke kālā, a laila e noʻonoʻo ʻia kāu noi, pono ʻoe e hāʻawi i kahi palapala maʻamau, me kahi ʻaelike kūʻai mai ka salon, kahi kope o ka TCP a he kiko no ka uku mua ma ka hale salona.

Pono e hana pono ia mau hoʻoholo. E hoʻomanaʻo i ka loaʻa ʻana o kahi hōʻaiʻē inā ʻoe e uku nui - ma ka liʻiliʻi he 25-50 pakeneka, a noi no kahi manawa pōkole - a hiki i ʻelua makahiki. I nā hihia ʻē aʻe a pau, aia kahi uku nui.

Ke hoʻouka nei…