He aha te mea te nama wā-poto hoki pakihi?

taurewa wā-poto - whakaratohia tenei e te pēke mo te wa poto te nui o te moni, puta nei i runga i ngā o paari, utu me te utu. Ka rite ki te tikanga, kirimana ki ngā kaitono e whakaritea wā hoki e hiahia ana koe ki te utu i te pūtea taurewa, me te auau huamoni me ngā āhuatanga moni hokohoko rerekē i te mau parau tumu o te pūtahi pēke ki te taupori. I tēnei wā, e hāngai ana wā-poto pareparenga taurewa i kamupene pūtea, wehea ki loans kotahi-wā, tuhene me moni i roto i te puka o te aho nama kore-whakahou whakakopa ranei.

Whakatakoto: Ka taea e ngā kamupene Private tiki wā-poto taurewa arumoni, whakarato pēke institution rite rawa wai utu, te hoko o nei i roto i te take o te utu-kore o te moni i tangohia i te kaituku taea hipokina te nui nama ki te pēke. Ka rite ki kia whakamahi i te taunaha o te kamupene noho arumoni ranei whenua tūturu, waka me te whenua, mīhini motuhake me te taputapu e kua hanga ki te putunga moni i roto i ngā hua i te tohanga.

Täwere: Ko te täwere tari pēke whakaarohia - he taurewa wā-poto whakaputaina e te pakihi ki te taupoki ana te kore rangitahi o whakamahi i te whakapaipai e mahi i roto i te moni motu ki to ki te kawe i nga tātai o nāianei. I tēnei wā, whakamana te täwere kei te whakamahi i te tuhinga utu o utu mo nga toenga o moni i roto i te pūkete o te kamupene o nāianei, i roto i te nui whakaae tuatahi. A utu täwere te i te utu o moni riro i roto i te pūkete o te nāianei hinonga kiritaki.

Ka taea e täwere titau kamupene arumoni ki hītori nama pokekore. Ko te tikanga o te momo o te taurewa wā-poto ko te kautaha fakapa'anga e hanga ake mo te kore o te utu ki te pūkete o te utu hinonga-kiritaki i roto i te āhuatanga i reira whakahaere pūkete o nāianei iti moni i te hiahiatia ki te hanga i te utu. Ano, haere tika nga moni kautaha fakapa'anga ki te pūkete o te kaiwhiwhi, te ingoa o nei tohua te i roto i te tuhinga utu o nāianei, a kahore i runga i te pūkete o te kamupene, i te mea he kiritaki o te pēke.

Tuhene Kei te nuinga o hokona i roto i te tikanga aunoa ina e kiia nga moni ki te pūkete o te kiritaki, me nga ngā o taua momo moni mārama whakaritea i roto i te kirimana hainatia e te nama me te tangata nana i. Ka rite ki te tikanga, e hāngai ana te ratonga täwere te i runga i te hononga whakawhirinaki i waenga i te kamupene kiritaki me te māngai o te pēke, na e kore e he e tika ana te nama ki te mahia whakaaetanga taurewa i ia wa, ina kāore te kamupene moni.

homai Firms nama wā-poto te mo te pūtea tonu o ngā mahi pakihi haere tonu: Loans hoki mahi whakapaipai. Na roto i kia loans te hoko o ngā rauemi mata, ki te whānuitanga o ngā rauemi hua hua oti, hoko rarawe o nga mea katoa o taonga, te whakaaro o te mea ki to ratou iti muri.

raina Credit: mea pinepine nama wā-poto hoki whakahaere arumoni puta e whakatuwhera te raina nama. I roto i tenei take, puta te moni ki te kiritaki i roto i te puka o tranches takitahi i runga i te wā motuhake o te wa, i roto i te rohe i tohua tuatahi i roto i te kirimana, i te whakahaere e hiahiatia whiriwhiringa atu motuhake.

raina nama Non-kōtiri - he ahua o whiwhinga, ka tāuta i roto i te arumoni pēke institution, e tango whakahaere whakawhāiti tranches mo te nui motuhake i roto i te mua rai atu i roto i te kirimana. I roto i te take o te raina kōtiri o te kamupene kiritaki e tango tranche moni, a i muri i utu tonu kia whiwhi loans moni hou i roto i te rohe whakapumautia me i te ngā whakaturia atu i roto i te whakaaetanga taurewa.