ʻO Bagatell ka mea'ai'ē

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ka ʻO Bagatell ka mea'ai'ē e kapaʻia hoʻi he mau loina liʻiliʻi. He haʻawina haʻahaʻa haʻahaʻa loa ia, meʻelua mauʻano loans kālā kālā. Ma kahi youtube e hiki iāʻoe keʻike ma lalo o kahi wehewehe: Privatkredit - Youtube i kahi wikiō, kahi e ho'ākākaʻia ai nāʻano nui o ia hōʻai'ē.

ʻO ke kālā hōʻai'ē no ka microcredit

ʻO ka ho'ākākaʻana o ka manaʻo kūponoʻole e wehewehe nei i kēia he hōʻai'ē i loaʻa maoli ka nui o ka mea kūponoʻole aʻaʻoleʻoi aku ma mua o ka nui o EUR 200, aiʻole 500. ʻAʻole pono nā kūlana no kēlā me kēia kālā hōʻemi: hiki i kahi mea kūʻai i manaʻoʻia he kanaka huhū i kona kālā, e like me ke kānāwai,ʻoi aku ka nui o kona palena i ka EUR 200. Inā loaʻa iāʻoe kahi pānaʻi kiʻekiʻe, hiki iāʻoe ke hoʻopau iā EUR 500, -. No laila, no laila, uaʻaeʻia ka hōʻailona o ka hōʻai'ē i hāʻawiʻia. Inā loaʻa i ka mea kūʻai ke kālā a loaʻaʻole i ka waiwai liʻiliʻi, ke manaʻo nei ke kāleka e nalowale ka'awapila i ka uku o ka uku.
ʻO kēiaʻano o ka haʻawina liʻiliʻi he mea maʻamau i ka kūʻai pōkole. Hiki paha i ka laweʻiaʻana o kahi palapala mai ka waihona kālā e kū nei ma'ō aku o ke kiʻina hoʻonohonoho i ka wā pōkole. I kēlā me kēia hihia, heʻokiʻoki maoli ia, pono ke poinaʻia i kaʻelua aʻekolu paha mahina.

ʻO ka hōʻai'ē bane e like me keʻano o ka hōʻai'ē kūʻokoʻa

ʻO kekahi ho'ākākaʻokoʻa he mea liʻiliʻi loa e like me kahi hōʻai'ē pono'ī o EUR 2.000, - a hiki i ka EUR 5.000, -. ʻO kēia,ʻoiaʻiʻo,ʻaʻole kiʻekiʻe loa aie dala, Eia naʻe,ʻoi aku ka kiʻekiʻe o ka hiki ke loaʻa iā ia ma kahi o ka ATM.
Hāʻawi kokeʻia kēia hōʻai'ē kūponoʻole a hoʻohanaʻoleʻia: no ka hoʻohana mauʻia e hoʻokō i ka makemake wā pōkole. Hiki i kēia ke hele he mākaʻikaʻi, kahi kaʻa hou a mea hana hou paha. Ma muli o ka uku pinepineʻana o nā noi i ka lā hoʻokahi, ua uku kokeʻia ka ukana ukana. Ma ka hoʻokōʻana i kahiʻaelike hana a me nā uku hopeʻekolu aʻeono, e hoʻomaopopoʻia ka huina i ka lā hoʻokahi a hāʻawiʻia pololei i ke kāpena ukana.
Ma keʻano he kūlana,ʻaʻole hiki i nā poʻe hanahana kelepona ke loaʻa ka mea i hoʻopaʻa mau loa a paʻa. Ua lawa kēia ma ka hiki ke hoʻopaʻa i nā uku i loaʻa mai o nā mahina i hala iho nei i mea e pōmaikaʻi ai i ka hōʻai'ē.
Kūʻawi pū kekahi mau hoʻolaha i nā kānaka me kahi pilina pili hana lōʻihi me kahi pānaʻi liʻiliʻi. Ma muli o ka hoʻonuiʻana i nā makahiki he nui o kēlāʻaelikeʻaelike, ua manaʻoʻia e loaʻa i kahi mea kūʻai kahiʻaelike pili a loaʻa paha i kahi kūlana hou. ʻO nā haʻawina haʻahaʻa liʻiliʻi a me nā kūlana maikaʻi ma ka māheleʻoihanaʻoihana uaʻano maʻalahi kaʻaʻaiʻana o nāʻeke kālā ma mua o ka wā ma mua.
Hoʻomaopopo pinepineʻia ka hōʻai'ē hōʻai'ē e uku i kahi kālā hōʻai'ē. ʻO ka haʻawina haʻahaʻa haʻawina nui ka laikini kūʻokoʻa. I ka wā o ka hāʻawiʻana i nā hōʻai'ē,ʻaʻole i hiki mai ka palena haʻahaʻa iʻole, aiʻoleʻole,ʻole i hōʻea. Maʻaneʻi, hiki ke ho'ōlaʻia ke kālā.
I ka mea e pono ai, pono e loaʻa kaʻike mai ka hoʻopukaʻana mai Schufa. Inā loaʻa i kahi mea kūʻai i kahi komo kinoʻole, hikiʻole ke hāʻawiʻia ka hōʻai'ē. Eia naʻe, ua pane mai nāʻelele i ka ulu uluʻana o nā kānaka me ka pane komo likeʻole:ʻO ka hapa nui o nā'auleʻa i kēia manawa he mau pūnaewele pūnaewele i hoʻokumuʻia ma waho. Ma muli o ka hoʻohanaʻoleʻana o nā lula German maʻaneʻi, ua lawaʻo ia e hoʻouna i ka hana hana a me nā uku hōʻai'ē. ʻO kahi kāleka, ka mea i hōʻole i ke noi no kahi hōʻai'ē ma ke kumukū, eʻaeʻia kēia noi ma ka pūnaewele. Heʻuʻuku kēia i nā mea kūʻai aku, akā, ua nīnauʻia ka manaʻo o Schufa. Ua hala ka manawa o nā poʻe hou.

ʻAʻohe pōpō.
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