Nā hōʻaiʻē ma Kelemānia

Loan ma Kelemānia: Maikaʻi e ʻike

ʻO nā hōʻaiʻē ma Kelemania he mau ʻaelike kahi e loaʻa ai ke kālā i kēia manawa a uku hou ia ma hope, a i ʻole ma kahi manawa a i ʻole ma ka huina kālā. I mea e uku ai i ke kula a i ʻole ka mea hāʻawi kālā, hāʻawi pinepine ʻoe i nā mea ʻoi aku ma mua o kāu loaʻa. Loaʻa kēia uku i ka ukupanee a me nā uku ʻē aʻe i ka manawa.

ʻO ka waiho wale ʻana, ʻae nā hōʻaiʻē iā ʻoe e hoʻolilo i ke kālā āu e pono ai i kēia manawa a uku hou i ka wā e hiki mai ana.

ʻO ka ʻokoʻa ma waena o kahi hōʻaiʻē kāleka hōʻaiʻē a me kahi hōʻaiʻē panakō

ʻO ka manawa pinepine, ʻaʻole ʻike ka poʻe i ka ʻokoʻa ma waena o nā hōʻaiʻē kāleka hōʻaiʻē a me nā hōʻaiʻē panakō - ʻaiʻē āu e loaʻa ai mai ka panakō ma ke kau inoa ʻana i kahi ʻaelike. Ua like nā hōʻaiʻē ʻelua a lawelawe ʻelua i ke kālā i ʻae ʻia e ka panakō.

ʻO ka ʻokoʻa ʻo ia me nā kāleka hōʻaiʻē, wehe ʻia ke kālā mai kāu moʻokāki. ʻO ia hoʻi, ma ka hapanui o nā hihia, hele ʻoe i ka ʻulaʻula ma kāu moʻokāki i ʻae ʻia e kāu panakō, ʻoiai i ka hihia o kahi hōʻaiʻē, ʻo ia hoʻi, kahi hōʻaiʻē, āu e lawe ai mai ka panakō, loaʻa ʻoe i ke kālā i kāu moʻokāki a , ma muli o ke kumu, hiki iā ʻoe ke hana i nā mea āu e makemake ai me ia - pono ʻoe.

ʻO ka mea maʻamau, ʻoi aku ka maikaʻi o nā hōʻaiʻē ma Kelemānia mai kahi panakō inā makemake ʻoe i ke kālā hou aʻe ma muli o ka haʻahaʻa haʻahaʻa ma mua o nā hōʻaiʻē kāleka hōʻaiʻē, no ka mea, ʻo nā hōʻaiʻē kāleka hōʻaiʻē ma Kelemania i ka nui o nā hihia he kiʻekiʻe ka uku uku, ʻo ia hoʻi, pono ʻoe e uku. e hoʻihoʻi i ke kālā inā ʻaiʻē ʻoe i ke kālā.

Pehea e hana ai nā hōʻaiʻē ma Kelemānia

Ke makemake ʻoe i ke kālā, noi ʻoe i kahi panakō a i ʻole kekahi mea hāʻawi kālā e hāʻawi iā ʻoe i ke kālā. No ka hana ʻana i kēia, hoʻouna maʻamau ʻoe i kahi noi a i ʻole "noi" no kahi hōʻaiʻē, a ʻo ka mea hāʻawi a i ʻole ka panakō e hoʻoholo inā e ʻae a ʻaʻole paha i kāu noi. Hoʻoholo ka mea hāʻawi kālā a i ʻole ka panakō ma muli o kāu pono aie (SCHUFA) - kāu loiloi inā e uku ʻoe i ka hōʻaiʻē a ʻaʻole paha. 

ʻO nā hōʻaiʻē ma Kelemania, ʻo ia hoʻi, kāu ʻaiʻē, pili i nā kumu he nui, ʻelua mau mea koʻikoʻi ʻo kāu mōʻaukala hōʻaiʻē a me ka loaʻa kālā āu e loaʻa ai e uku i ka hōʻaiʻē. 

Pehea e lawe ai i kahi hōʻaiʻē no nā limahana ma Kelemānia

Nui nā ala e hoʻonui ai i kahi hōʻaiʻē no nā limahana ma Kelemānia. E haʻi mākou i nā mea kaulana ʻelua:

1. Hele i ke keʻena
2. Noi hōʻaiʻē pūnaewele

Hele i ke keʻena

ʻO nā panakō kūloko nā wahi mua e noʻonoʻo ai ka poʻe i ka wā e noʻonoʻo ai lākou e lawe i kahi hōʻaiʻē ma Kelemania. ʻOiaʻiʻo, he manaʻo maʻamau kēia no ka mea inā he mea kūʻai aku ʻoe i ka panakō, ʻike ʻoe i kā lākou hana a hāʻawi ia i kahi palekana i ke poʻo o ke kanaka. Ma hope o nā mea a pau, pili i ke kālā.

Inā ʻoe e noi ma laila, e hālāwai ʻoe he alo a he alo me kahi luna hōʻaiʻē, pilikino ka ʻike, a hiki i ka luna ke hele maʻalahi iā ʻoe ma ke kaʻina noi. Ke hoʻohālikelike ʻia i nā koho ʻē aʻe, ʻoi aku ka nui o nā hōʻaiʻē a i ʻole nā ​​kūlana no kahi hōʻaiʻē. Eia naʻe, inā he mea kūʻai aku ʻoe, hiki i ka panakō ke hoʻopōkole i ka pepa no ʻoe i ka wā e lawe ai i kahi hōʻaiʻē ma Kelemānia. 

Eia naʻe, he ala maʻalahi loa kēia, ʻoi aku ka kiʻekiʻe o ka uku paneʻe ma kāu panakō kūloko. Paipai mākou iā ʻoe e kipa i nā panakō ʻē aʻe a nānā i nā makana a lākou e hāʻawi ai iā ʻoe i hiki iā ʻoe ke lawe i ka makana maikaʻi loa no ʻoe. ʻO ka hele ʻana i nā panakō he mea paʻakikī a lawe i ka manawa waiwai nui, a hiki iā mākou ke ʻōlelo i kahi koho ʻoi aku ka maikaʻi. Lawe kēia iā mākou i ka lua o ka hiki ke lawe i kahi hōʻaiʻē ma Kelemania, kahi noi pūnaewele no kahi hōʻaiʻē. 

Ke noi pūnaewele no kahi hōʻaiʻē ma Kelemānia

Inā ʻoe e noʻonoʻo nei pehea e loaʻa ai kahi hōʻaiʻē ma Kelemānia, ʻo nā hōʻaiʻē pūnaewele he koho no ʻoe. ʻO kēia kekahi ala kaulana e loaʻa ai kahi hōʻaiʻē ma Kelemānia. I kēia lā, hiki iā ʻoe ke loaʻa i nā mea āpau ma ka pūnaewele, me ke kūʻai ʻana i hale, ke kūʻai ʻana i kaʻa, hoʻomaka i kahi ʻoihana, a me ka lawe ʻana i kahi hōʻaiʻē ma ka pūnaewele.

Nā hōʻaiʻē pūnaewele ʻae iā ʻoe e hoʻopau i ke kaʻina hana noi hōʻaiʻē ma ka pūnaewele, mai ka ʻoluʻolu o kou home, mai ka hoʻohālikelike ʻana i nā uku i ka noi ʻana a me ka loaʻa kālā. Hiki iā ʻoe ke loaʻa i kāu hōʻaiʻē a mālama i kāu moʻokāki me ka ʻole e hele i kahi lālā panakō. Hiki ke ʻae koke ʻia kekahi mau hōʻaiʻē pūnaewele ma Kelemania i ka liʻiliʻi o ka manawa e loaʻa ai kahi hōʻaiʻē pūnaewele ma mua o ka lawe ʻana i kahi lālā panakō.

E like me nā huahana kālā, pono ʻoe e hana i kāu noiʻi ma ka ʻoihana āu e hana pū ai a e hōʻoia i kāu hōʻaiʻē kūpono iā ʻoe.

He aha nā ʻano hōʻaiʻē a mākou i Kelemānia?

Loaʻa iā mākou nā ʻano hōʻaiʻē ma Kelemania, a e papa inoa mākou i kekahi o lākou:

• ʻO nā hōʻaiʻē pilikino a i ʻole nā ​​​​loan no ka hoʻohana manuahi;
• Nā hōʻaiʻē no nā kaʻa;
• Nā hōʻaiʻē no ke kūkulu ʻana a i ʻole ke kūʻai ʻana i nā waiwai paʻa;
• Nā hōʻaiʻē no ka hoʻoponopono hou ʻana;
• ʻAiʻē pāʻoihana.

ʻO kahi hōʻaiʻē pilikino ma Kelemānia a i ʻole kahi hōʻaiʻē no ka hoʻohana manuahi

ʻO ka hōʻaiʻē pilikino ma Kelemānia he hōʻaiʻē i hoʻohana ʻia e nā poʻe pilikino no ka hoʻohana manuahi. ʻAʻole i koho ʻia kēia mau hōʻaiʻē a hiki iā ʻoe ke hoʻohana iā lākou no kekahi kumu. ʻO ka hōʻaiʻē pilikino ma Kelemānia hoʻohana pinepine ʻia no ke kālā huakaʻi, nā lako hale nui, nā lako, ka hoʻonaʻauao, a me nā hana hou liʻiliʻi a kūʻai paha i kaʻa.

ʻO ka nui loa i ʻae ʻia i ka hapa nui o nā hihia a hiki i ka €60000. Inā makemake ʻoe e kūʻai i ʻāina, hale a i ʻole hale hale paha ma waho o Kelemānia a laila he koho kēia no ʻoe. 

ʻAiʻai kaʻa ma Kelemānia

ʻO ka hōʻaiʻē kaʻa a i ʻole ka hōʻaiʻē kaʻa he hōʻaiʻē ʻokoʻa me kahi kumu kikoʻī hiki iā ʻoe ke hoʻohana no ke kūʻai ʻana i kaʻa (e laʻa i ke kaʻa, kaʻa kaʻa a i ʻole ka home mobile). I ka nui o na hihia hōʻaiʻē kaʻa ʻoi aku ka liʻiliʻi ma mua o nā hōʻaiʻē uku no ka hoʻohana manuahi (Private loan). No ka mea, hāʻawi kahi kaʻa kālā i ka mea hāʻawi i ka palekana hou.

ʻAiʻai kaʻa ma Kelemānia Loaʻa iā ʻoe ka maikaʻi e hiki iā ʻoe ke kūʻai i ka kaʻa mai ka mea kūʻai aku me ka uku hoʻokahi manawa me ka ʻole o ka hoʻokaʻawale ʻana a hoʻohana pinepine i nā hōʻemi kālā (hōʻemi kumu kūʻai a hiki i 20%).

ʻO nā hōʻaiʻē no ke kūkulu ʻana a i ʻole ke kūʻai ʻana i nā waiwai paʻa ma Kelemānia

ʻO kahi hōʻaiʻē no ke kūkulu ʻana a i ʻole ke kūʻai ʻana i ka waiwai paʻa he huaʻōlelo ākea ma Kelemania e pili ana i kahi hōʻaiʻē i hoʻohana ʻia no ke kālā, ʻo ia hoʻi, ke kūʻai ʻana i kahi keʻena, hale a i ʻole nā ​​​​waiwai ʻē aʻe, a me kona kūkulu ʻana.

Loaʻa iā mākou kekahi mau mea nui:

• Me kahi hōʻaiʻē home, loaʻa iā ʻoe kahi hōʻaiʻē mai kāu panakō āu e uku ai i nā haʻawina (me ka ukupanee).
• Hoʻolaʻa ʻia nā hōʻaiʻē waiwai ma Kelemania, no laila hiki iā ʻoe ke hoʻohana wale i ka hōʻaiʻē no ke kumu i ʻae ʻia.
• ʻAe pinepine nā panakō i nā hōʻaiʻē no ke kūkulu hale a i ʻole ke kūʻai ʻana i ka waiwai.
• Hiki ke hoʻohana ʻia kahi hōʻaiʻē waiwai no ke kālā ma hope a i ʻole - i nā hihia kūikawā - no ka hoʻoponopono hou ʻana a i ʻole ka hana hou ʻana.
• I ka helu ʻana, pono ʻoe e noʻonoʻo i kāu ratio kapikala, ka uku uku makahiki kūpono no ka hōʻaiʻē waiwai a me ka manawa.

Nā hōʻaiʻē no ka reprogramming ma Kelemānia

Inā pilikia ʻoe i ka uku ʻana i kāu mau aie, hiki i kahi hōʻaiʻē hoʻonohonoho hou ke koho maikaʻi. Hiki iā ʻoe ke hoʻohui i kāu mau hōʻaiʻē i kēia manawa i hoʻokahi hōʻaiʻē me nā uku o kēlā me kēia mahina, ʻoi aku ka maʻamau i kahi manawa lōʻihi.

Inā ʻoe i lawe i kahi hōʻaiʻē me ka uku pānaʻi kiʻekiʻe, hiki iā ʻoe ke hoʻāʻo e ʻimi i kahi hāʻawi me ka uku haʻahaʻa haʻahaʻa me ke kōkua o kahi puka hoʻohālikelike hōʻaiʻē. Inā hiki iā ʻoe ke loaʻa ia ʻano hāʻawi, e lawe i ka nui āu e ʻaiʻē ai ma ka hōʻaiʻē kahiko, e hoʻihoʻi a hoʻomau i ka uku ʻana i ka hōʻaiʻē me ka uku haʻahaʻa haʻahaʻa, e alakaʻi ana i ka ʻoiaʻiʻo e hoʻopau ʻoe i ke kālā liʻiliʻi ma mua o kāu. ua uku no ka aie kahiko. Inā makemake ʻoe e hoʻonohonoho hou i ka hōʻaiʻē, hiki iā ʻoe ke loaʻa nā koho no kēlā ovdje

ʻO nā hōʻaiʻē pāʻoihana ma Kelemānia

Ua noi pinepine ʻia nā hōʻaiʻē ʻoihana ma Kelemania no nā kālā a i ʻole nā ​​​​mea hoʻopukapuka e hoʻohana ʻia i kāu ʻoihana. ʻAiʻē pāʻoihana no laila, pili pono i kāu papahana: kūpono ia no ke kūʻai ʻana i nā waiwai a me nā mea waiwai a no ka lanakila ʻana i nā pilikia kālā. Pme kahi hōʻaiʻē pilikino i kūpono no nā hoʻopukapuka lōʻihi, hiki iā ʻoe ke kūʻai i nā mīkini, nā waiwai pre-finance a i ʻole ka helu helu kālā. E pili ana i ka hoʻomaka ʻana i kahi ʻoihana hou a hoʻonui.

He aha nā kūlana no ka hōʻaiʻē ma Kelemānia?

Hana like nā hōʻaiʻē ma Kelemānia e like me nā wahi ʻē aʻe o ka honua: loaʻa iā ʻoe ke kālā mai kahi mea hāʻawi aku a ʻae i ka uku uku mahina. Hāʻawi ka mea hāʻawi kālā i ke kālā mai kēia hoʻonohonoho ʻana ma ka hoʻohui ʻana i kahi uku i ka nui o ka hōʻaiʻē, e hoʻohui ʻia i kēlā me kēia ʻāpana āu e uku ai.

Ma keʻano laulā, hōʻike ka uku i ka hilinaʻi o ka mea hāʻawi iā ʻoe, a me nā pilikia a lākou e lawe nei i ka hāʻawi kālā iā ʻoe. ʻOi aku ka haʻahaʻa i ka wā liʻiliʻi nā pōʻino. ʻO ka uku o kēia manawa, ke kūlana male, ka makahiki, ka moʻolelo olakino, nā waihona kālā, nā palapala hoʻopaʻa, nā waiwai, nā waiwai a me nā kumu waiwai ʻē aʻe nā mea a pau e noʻonoʻo ai ka mea hāʻawi.

Nui nā kūlana e pono ai ʻoe e loaʻa i kahi hōʻaiʻē ma Kelemānia. Pono ʻoe e hoʻokō i kēia mau kūlana:

• Pono ʻoe e noho ma Kelemānia.
• Pono ʻoe ma mua o 18 mau makahiki.
• E hoʻomākaukau e hoʻolako i kahi kumu kūʻokoʻa a koʻikoʻi o ka loaʻa kālā (3 mau palapala uku hou loa no nā limahana, a hiki i ʻelua mau makahiki o ka waihona kālā no nā freelancers)
• I hiki ke hōʻike i kahi helu SCHUFA maikaʻi.

Ma muli o kou ʻāina hānau, manaʻoʻiʻo paha ʻoe he mea hoʻopiʻi nui kēia noiʻi a i ʻole maʻamau. He mea nui e hoʻomaopopo i ka poʻe Kelemania ʻaʻole makemake nui i ka hōʻaiʻē, ʻaʻole lākou i ʻaiʻē i ke kālā i nā poʻe ʻē aʻe.

Kaulana lākou no ka loaʻa ʻole o ko lākou mau home, ʻaʻole hoʻohana i nā kāleka hōʻaiʻē. Loaʻa iā lākou kahi hōʻaiʻē kālā i mahalo ʻia e nā ʻāina he nui a puni ka honua. ʻO ka hopena, i ka wā e hoʻopuka ai i nā hōʻaiʻē ma Kelemania, e makaʻala loa nā mea hāʻawi.

Hiki iā ʻoe ke noi no kahi hōʻaiʻē ma ke kanaka, ma ka leka a i ʻole ma ka fax. Nui nā panakō e ʻae iā ʻoe e hoʻouna i kāu noi ma ka pūnaewele. No kēia, ʻoi aku ka maikaʻi o ka hoʻohana ʻana i kahi helu hōʻaiʻē no ka mea hiki iā ʻoe ke loiloi i nā makana like ʻole a koho i ka panakō maikaʻi loa. Hiki iā ʻoe ke hoʻouna i kāu noi ma ka pūnaewele ma o kā mākou pūnaewele.

ʻO ka noi hōʻaiʻē no nā limahana ma Kelemānia

Inā makemake ʻoe e loaʻa kahi hōʻaiʻē mai kahi panakō, pono ʻoe e hoʻopiha mua i kahi noi hōʻaiʻē. Hoʻouna ʻia kēia i ka panakō, kahi e hoʻoholo ai inā kūpono ʻoe no ka hōʻaiʻē.

Hoʻokomo pinepine ʻia kēia ʻike i loko o kahi noi no kahi hōʻaiʻē limahana ma Kelemānia:

• huina kālā hōʻaiʻē
• Ka lōʻihi o ka hōʻaiʻē makemake
• Pono nā hōʻaiʻē hōʻaiʻē
• Inā pili, hoʻomaka ka hoʻomaka
• uku hōʻaiʻē
• Ke komo nei i ka ʻikepili pilikino (ʻikepili pilikino, kūlana kālā)

Pono e hoʻomaopopo ʻia e koi ʻia ka mea hōʻaiʻē e hōʻike i nā palapala e hōʻoiaʻiʻo ana i kona ʻae ʻana a me kona kūlana kālā. Pono pono ka helu ʻaiʻē maikaʻi no ke kālā.

Ma ka ʻaelike hōʻaiʻē, loaʻa i ka mea hōʻaiʻē kahi palapala loiloi pilikino. Pono e hōʻoia ʻia nā ʻike a pau i hāʻawi ʻia ma kēia palapala. ʻO ka hopena, he mea nui e hāʻawi i ka ʻike pololei e pili ana iā ʻoe iho.

Eia kekahi, e noi ka mea hāʻawi i ka ʻike SCHUFA e hoʻoholo i ka pono o ka mea noi. ʻO ka hopena, e nānā pālua i kāu mau moʻolelo SCHUFA e hōʻoia i ka uku ʻia nā hōʻaiʻē mua.

Hiki iā ʻoe ke noi no kahi hōʻaiʻē ma ke kanaka, ma ka leka a i ʻole ma ka fax. Nui nā panakō e ʻae iā ʻoe e hoʻouna i kāu noi ma ka pūnaewele. No kēia, ʻoi aku ka maikaʻi o ka hoʻohana ʻana i kahi helu hōʻaiʻē no ka mea hiki iā ʻoe ke loiloi i nā makana like ʻole a koho i ka panakō maikaʻi loa. Hiki iā ʻoe ke waiho i kāu noi ma ka pūnaewele ma o nā koho i hāʻawi ʻia ma luna.

ʻO nā hōʻaiʻē ma Kelemānia mai nā mea hōʻaiʻē pilikino

He koho hou kēia ma ka mākeke, akā pono e noʻonoʻo. Ma kahi o kahi panakō nui e hāʻawi kālā iā ʻoe, ʻo kahi hui o nā poʻe pilikino e hui pū i kā lākou kālā. Ma muli o ka uku paneʻe, hiki iā lākou ke hoʻonui i kā lākou kālā ke uku ʻoe i kāu uku. ʻO ka hōʻaiʻē peer-to-peer ka huaʻōlelo i hoʻohana ʻia e wehewehe i kēia ʻano hōʻaiʻē.

ʻO nā hōʻaiʻē ma Kelemānia me kahi manawa pōkole loa

ʻO ka manawa pinepine, ʻo nā hōʻaiʻē pōkole ma Kelemania he koho āu e pono ai ma hope o nā lilo i manaʻo ʻole ʻia, e like me ka uku ʻana i kahi waihona no kahi hale hoʻolimalima ma Kelemānia. ʻOiai e ʻōlelo pinepine ʻia e ʻimi i ke kākoʻo mai nā hoaaloha a me nā ʻohana i kēlā ʻano kūlana, aia kekahi mau puka e hiki ke kōkua iā ʻoe inā makemake ʻoe i kahi kālā liʻiliʻi.
ʻOiai ʻoi aku ka kiʻekiʻe o ka uku pānaʻi ma mua o nā hōʻaiʻē lōʻihi, e uku ʻia ka uku hoʻokahi wale nō i ka mahina, e hōʻemi ana i ka hopena o ka overdraft.

ʻO ka pono kālā ma Kelemānia (Schufa ma Kelemānia)

ʻO kekahi mau hōʻaiʻē ma Kelemania, me ka nānā ʻole i ke ʻano o ka hōʻaiʻē, e noʻonoʻo i kou pono ʻaiʻē, aʻo nā mea ʻē aʻe ʻaʻole.
Ke hana lākou, makemake ia i ka poʻe me nā helu SCHUFA ikaika no ka mea a laila e hoʻemi ʻia ka uku paneʻe. Kapa ʻia kēia ʻo bonitätsabhängig (pili i ka aie) a i ʻole bonitätsunabhängig (kūʻokoʻa aie).
Inā he haʻahaʻa kāu helu SCHUFA, he manaʻo koʻikoʻi kēia e ʻike ai; e ʻimi i nā hōʻaiʻē i mālama ʻole i kēia.

No ke aha e lawe ai i kahi hōʻaiʻē ma Kelemānia?

Nui nā kumu e pono ai ʻoe i kahi hōʻaiʻē ma Kelemānia. E loli ana kāu mau papahana ola i ka holomua ʻana o kou ola ma ke ʻano he haole. ʻO ka hopena, pono paha ʻoe i kahi moraki e kūʻai ai i hale, kahi hōʻaiʻē e kūʻai i kaʻa a i ʻole kahi kālā liʻiliʻi e ʻike ai i kāu manaʻo ʻoihana. ʻO kēlā me kēia, ʻo ka hoʻokokoke ʻana i kēia nīnau paʻakikī he mea paʻakikī loa ia, ʻoiai ke hoʻohui ʻia nā kūlana panakō Kelemania!

Makemake nā panakō i nā pilina lōʻihi me kā lākou mea kūʻai aku, ʻo ia ka manaʻo e makemake lākou e noho ma Kelemānia no nā makahiki he nui. Ua ʻike ʻia ʻo Kelemania no kona kaiapuni kūpaʻa a hoʻohiki i ka wā e hiki mai ana. Hoʻonui kēia i ka likelihood e hiki iā ʻoe ke uku i kāu hōʻaiʻē.

ʻOi aku ka paʻakikī o kekahi o ʻoukou e loaʻa i kahi hōʻaiʻē ma Kelemania ma ke ʻano he haole no ka mea ʻo ko mākou hōʻea ʻana i Kelemānia ua hopena i kahi paʻa i hōʻeha mua i kā mākou helu SCHUFA. Pono ka manawa e hoʻi i ko mākou mau wāwae, a i kēia manawa ua haʻalele paha mākou i nā lilo i uku ʻole ʻia.

Aia ma lalo kekahi o nā kumu e pono ai ʻoe e hōʻaiʻē

Hiki i kekahi ke ʻimi i kahi hōʻaiʻē pilikino inā makemake ʻoe i ke kālā e hoʻopau koke i nā lilo, kahi kālā i manaʻo ʻole ʻia a i ʻole kekahi mea ʻē aʻe e pono ai ka nānā wikiwiki. Hāʻawi ka hapa nui o nā ʻoihana kālā i nā palapala pūnaewele e kōkua iā ʻoe e ʻike inā ua ʻae ʻia ʻoe i nā minuke. Ma muli o kāu mea hāʻawi kālā, hiki iā ʻoe ke loaʻa ke kālā i ka lā hoʻokahi a i ʻole nā ​​​​lā ʻoihana.

Hiki ke hoʻohana ʻia ka nui o ka hōʻaiʻē no ka hoʻohui ʻana i nā aie, ʻoi aku ka nui o ka aie kāleka hōʻaiʻē. ʻO ia kekahi o nā kumu maʻamau no ka lawe ʻana i kahi hōʻaiʻē pilikino. ʻO nā hōʻaiʻē pilikino ma Kelemania he haʻahaʻa haʻahaʻa haʻahaʻa ma mua o nā kāleka hōʻaiʻē, ʻoiai inā he hōʻaiʻē maikaʻi kāu. ʻO nā hōʻaiʻē pilikino maikaʻi loa ma Kelemania he haʻahaʻa haʻahaʻa e like me 2,5%, ʻoi aku ka haʻahaʻa ma mua o nā pākēneka helu pālua i kau ʻia e ka hapa nui o nā kāleka hōʻaiʻē. Hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē pilikino, uku i kāu koena kāleka hōʻaiʻē, a laila e uku i hoʻokahi mahina i kāu ʻoihana hōʻaiʻē hou.

ʻAʻole paha ʻoe e uhi i nā uku koʻikoʻi inā ʻoe e neʻe kokoke ana i kahi āu e noho nei i kēia manawa. Eia naʻe, inā e neʻe ana ʻoe i waho o ke kaona, pono paha ʻoe i nā kālā hou e uhi i ke kumukūʻai o ka neʻe ʻana. ʻO ka neʻe ʻana i kahi lōʻihi, ʻo ia ka uku no ka hoʻopili ʻana i nā lako, hiki ke hoʻolimalima i nā mea hoʻoneʻe, a me ka lawe ʻana i kāu waiwai i kahi hou.

Hiki ke hoʻohana ʻia nā hōʻaiʻē pilikino ma Kelemania e kōkua i ka loaʻa ʻana o kahi home hou. Inā ʻike ʻoe i kahi keʻena, no ka laʻana, pono paha ʻoe e uku no ka mahina mua, ka mahina hope a me kahi waihona. Pono paha ʻoe i kālā e hoʻolako i kāu keʻena hou.

ʻO kēia nā kumu a pau e lilo ai nā hōʻaiʻē ma Kelemania i koho maikaʻi no ʻoe, inā makemake ʻoe i nā hōʻaiʻē ma Austria hiki iā ʻoe ke kipa ATCCred , a inā makemake ʻoe i nā hōʻaiʻē ma nā ʻāina ʻē aʻe o ʻEulopa, hiki iā ʻoe ke kipa areasinfinance.com