ʻO nā hōʻaiʻē Bank: he aha lākou, nā ʻano, pehea e noi ai, nā koi

ʻO nā hōʻaiʻē Bank: he aha lākou, nā ʻano, pehea e noi ai, nā koi

Ke hiki ʻole mai ke kālā no kahi mea a mākou e makemake ai e kūʻai, ʻo nā manawa he nui ka hopena i hiki mai i ka noʻonoʻo hōʻaiʻē panakō. Akā, he aha lākou? Aia nā ʻano like ʻole?

Inā ʻoe i kēia manawa ma ke kūlana e noi ai i hoʻokahi akā ʻaʻole ʻoe i ʻike inā ʻo ia ka koho maikaʻi loa, eia mākou e kamaʻilio lōʻihi iā ʻoe e pili ana i kēia mau mea a pau i ʻike ʻoe i kāu mea e manaʻo ai.

He aha nā hōʻaiʻē panakō

He aha nā hōʻaiʻē panakō

Wahi a ka RAE, ua manaʻo ʻia kahi hōʻaiʻē panakō ma ke ʻano he «ka nui o ke kālā i noi ʻia, ma ke ʻano maʻamau mai kahi hui kālā, me ke kuleana e uku me ka ukupanee".

I nā huaʻōlelo ʻē aʻe, ke hana nei mākou i kahi pilina ma waena o ka panakō, e lawe ana i ke kuleana o ka mea hāʻawi kālā, a me ka mea e pono ai ke kālā, ʻo ka mea hōʻaiʻē. ʻOiaʻiʻo, e hāʻawi i kēlā nui kālā, pono e hoʻohana ʻia kahi ʻano o ka uku paneʻe, 'o ia ho'i, kekahi mau "loaa keu" i mea e pono ai i keia mau banako ke hoaie aku i kela dala.

ʻOiai i ka hapanui o nā hihia e noi ʻia nā hōʻaiʻē panakō e nā poʻe, ʻo ka ʻoiaʻiʻo he nui nā mea ʻē aʻe e pili ana i nā ʻoihana no ka mea hiki iā lākou ke noi aku iā lākou.

Mākou ʻO ka pahuhopu hope loa o ka hōʻaiʻē ʻaʻohe mea ʻē aʻe ma ka hāʻawi ʻana i kahi kālā i kekahi kanaka a ʻoihana paha i hiki iā ia ke kūʻai a uku no kekahi lawelawe a kūʻai paha. Eia nō naʻe, ʻo ka ʻoiaʻiʻo, aia kekahi mau kumu e neʻe ai i ka mea hōʻaiʻē e noi no kēia mau hōʻaiʻē panakō.

He aha nā mea nui o nā hōʻaiʻē panakō

Ke noi nei ʻoe i kahi hōʻaiʻē panakō, pono ʻoe e noʻonoʻo i nā kumu kumu āu e hoʻomaopopo pono ai. ʻO ia hoʻi:

  • Ka nui: ʻo ia ka nui o ke kālā i noi ʻia mai ka panakō. E akahele, no ka mea, ʻaʻole paha kēia ka mea a lākou e hāʻawi ai iā ʻoe i ka hopena, ʻoiai ma hope hiki i ka panakō ke komo, hōʻole a hāʻawi i kahi noi hou.
  • 'Apupupa: ke kumukuai a ka mea aie e uku ai no ka haawi ana i ke kapikala. He kālā keu i helu ʻia i kēlā me kēia hōʻaiʻē e nā panakō.
  • Paʻa: He manawa ia e hoʻihoʻi mai ai kēlā kanaka i ke kapikala i noi ʻia a me ka ukupanee.

ʻano hōʻaiʻē

ʻano hōʻaiʻē

I nā manawa he nui, i ka noʻonoʻo ʻana e pili ana i nā hōʻaiʻē panakō, hoʻokahi ʻano i hiki ke noʻonoʻo, akā aia kekahi mau mea hiki ke noi ʻia. No ka maopopo, penei:

  • Nā loina pilikino. ʻO ia nā mea e lawelawe kālā ai i kahi pono kūikawā o ke kanaka i ka manawa i hāʻawi ʻia. I kēia hihia, hiki iā lākou ke:
    • ʻO ka ʻai ʻana. Also kapa ʻaiʻē. Hoʻohana ʻia lākou e kūʻai i kahi maikaʻi hiki ke paʻa, e like me ke kaʻa.
    • wikiwiki. ʻO ia ka poʻe i ʻae koke ʻia, ʻoiai i nā manawa he nui paha lākou i ʻoi aku ka hoihoi.
    • ʻO nā haʻawina. E like me ka hōʻike ʻana o kona inoa, ʻo lākou nā mea i hoʻohana ʻia e uhi i nā haʻawina a me nā lilo i hana ʻia i nā haʻawina.
  • Nā hōʻaiʻē moraki. ʻO wai ka manaʻo e loaʻa ke kālā e hoʻolilo i kahi home, kahi ʻoihana, kahi wahi, etc. Ke hoʻoneʻe nei kēia i nā huina kālā nui a koi pinepine i kahi hōʻoia e hāʻawi ʻia.

Pehea e noi ʻia ai nā hōʻaiʻē panakō

Pehea e noi ʻia ai nā hōʻaiʻē panakō

Ua hoʻoholo ʻoe e noi i kahi hōʻaiʻē panakō? No laila ʻo ka mea aʻe āu e hana ai, ʻo ia ka ʻike i kahi āu e hele ai e kiʻi.

Ma Sepania he nui nā ʻano mea hāʻawi kālā āu e hele ai, akā inā mākou e kamaʻilio e pili ana i nā hōʻaiʻē panakō, ʻo nā wahi nui:

  • Banks. ʻO ka wehewehe ʻana, hiki iā ʻoe ke noi i kahi hōʻaiʻē ma nā panakō Spanish a me nā haole hoʻi inā lōʻihi lākou e hōʻike ai ma Sepania.
  • Waihona.
  • ʻO nā hui o ka mālama a me ka hōʻaiʻē.

Ma waho aʻe o kēia mau wahi, hiki ke loaʻa kahi hōʻaiʻē ma o nā hui kūʻokoʻa pilikino (e hana ana ma ke ʻano he mea hāʻawi kālā) a i ʻole ma o nā hale kūʻai, nā hale kūʻai, nā hui kāleka hōʻaiʻē a me nā kahua hōʻaiʻē ma waena o nā poʻe.

Ma ke ʻano he kaulike, ʻO ka wahi mua āu e hōʻike ai iā ʻoe iho ʻo kāu panakō ponoʻī, a inā hōʻole ʻo ia iā ʻoe, a ʻaʻole maikaʻi nā kūlana iā ʻoe, e hele ʻoe i nā panakō ʻē aʻe a i ʻole nā ​​panakō mālama kālā.

He aha nā koi e pono ai ʻoe e hoʻokō?

Makemake ʻoe e ʻike he aha ia nā koina He aha nā panakō e nīnau iā ʻoe inā makemake ʻoe i kahi hōʻaiʻē panakō? Hoʻomaka mākou mai ka manaʻo e koi ana kēlā me kēia panakō i nā koi like ʻole. No laila inā hōʻole ʻia ʻoe ma kahi wahi, hiki iā ʻoe ke noi mau ma kahi ʻē aʻe.

Eia nō naʻe, ma ka laulā, aia kekahi mau koi koʻikoʻi e pono e noʻonoʻo ʻia a ʻo lākou kēia:

  • Loaʻa i nā makahiki 18. ʻO ia hoʻi, ʻo ka piha ʻana i nā makahiki kānāwai.
  • Loaʻa i kahi ID kūpono. He mea nui kēia, ʻoiai inā mākou e noʻonoʻo e hiki ke loaʻa ka DNI mai ka makahiki 14, hiki i ka hapa nui ke hoʻokō i kēia koi.
  • loaʻa i ka solvency. Maanei e wehewehe pono ai. Ma kekahi ʻaoʻao, pono ʻoe e hōʻoia i ka loaʻa kālā maʻamau, ʻo ia hoʻi, e hōʻike ana e hiki iā ʻoe ke uku i ke kālā a lākou e hāʻawi ai iā ʻoe. ʻAʻole kēia manaʻo e loaʻa iā ʻoe nā mea āpau, akā lawa ka mālama ʻana i nā haʻawina mahina e uku ai ʻoe.
  • hāʻawi i kahi hōʻoia. ʻO ia ka mea i kapa ʻia he hōʻoia o ka uku a i ʻole ke kākoʻo. ʻAʻole noi kekahi mau hōʻaiʻē panakō, ʻoi aku ka liʻiliʻi o ka nui e hōʻaiʻē ʻia, akā i nā hihia ʻē aʻe.
  • ʻAʻole ma ka papa inoa hewa ʻole a i ʻole nā ​​mea paʻa. Inā aia ʻoe ma kēlā papa inoa a i ʻole he mau hewa ʻoe, ʻaʻole lākou e hāʻawi iā ʻoe i ka hōʻaiʻē, ʻoiai ma kēia mau hihia hiki iā ʻoe ke hele i nā hui pilikino no ka mea ʻaʻole i noʻonoʻo kekahi i kēia koi.

Ma waho aʻe o ka hoʻokō ʻana i kēia mau koi, pono ʻoe e loaʻa i kahi ʻano o nā palapala ma ka lima e wikiwiki ai i nā kaʻina hana. Ma kēia ʻōlelo mākou e ʻōlelo nei:

  • ʻO DNI a i ʻole NIF.
  • Waihona kālā (He mea nui ka helu e ʻike i kahi e hoʻokomo ai lākou i ka nui o ka hōʻaiʻē.
  • Ka uku hou a i ʻole ka ʻaelike hana (e hōʻoia hiki iā ʻoe ke hoʻihoʻi iā ia).
  • Palapala loaʻa.
  • Nā waiwai ma kou inoa.

Ma waho aʻe o kēia mau palapala, hiki i ka panakō ke noi hou aku ma mua o ka hana ʻana i ka hoʻoholo hope.

I kēia manawa ua ʻike ʻoe i nā mea āpau e pili ana i nā hōʻaiʻē panakō, e maʻalahi iā ʻoe ke ʻike i nā paukū, nā koi a me nā mea āpau e pono ai ʻoe e ʻike e pili ana iā lākou. He kanalua? E kūkākūkā me mākou me ka ʻole o ka hoʻokō.


Hoʻopili ka ʻike o ka ʻatikala i kā mākou kumumanaʻo o ka hoʻoponopono hoʻoponopono. E hōʻike i kahi kaomi hemahema ʻaneʻi.

E lilo i mea mua e wehewehe

E waiho i kāu manaʻo

Kāu leka uila aae? E,ʻaʻole e paʻiʻia.

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  1. He kuleana no ka ʻikepili: Miguel Ángel Gatón
  2. Ke kumu o ka ʻikepili: kaohi SPAM, hoʻokele ʻōlelo.
  3. Legitimation: Kou ʻae
  4. Ka kamaʻilio ʻana o ka ʻikepili: ʻaʻole e hōʻike ʻia ka ʻikepili i nā ʻaoʻao ʻekolu koe ka mana o ke kānāwai.
  5. Pūnaewele mālama: Pūnaewele i mālama ʻia e Occentus Networks (EU)
  6. Nā Kuleana: I kēlā me kēia manawa hiki iā ʻoe ke palena, hoʻōla a kāpae i kāu ʻike.