Na koina mua o ka palapala moraki
(1) "Affiliate" 'o ia ho'i he 'oihana e ho'omalu ana, i ho'omalu 'ia e, a i 'ole ma lalo o ka mana ma'amau me kekahi 'oihana, e like me ia i ho'ākāka 'ia ma ka Bank Holding Company Act o 1956 (12 USC Section 1841, et seq.), ma kona mana ho'ololi. .
(2) "Anual Percentage Rate" 'o ia ho'i ka uku pākēneka makahiki o ka hō'ai'ē i helu 'ia e like me nā 'ōlelo o ka Federal Truth in Lending Act (15 USC Section 1601, et seq.) a me nā lula i ho'olaha 'ia ma laila. me kā lākou hoʻololi.
(3) "Broker" a i ʻole "mea hoʻolimalima moraki" 'o ia hoʻi, he kanaka a hui paha e noi ana, hoʻoponopono, hoʻokomo, a i ʻole ke kūkākūkā ʻana i nā hōʻaiʻē moraki no nā poʻe ʻē aʻe a i ʻole ka hāʻawi ʻana e hana, hoʻomaka, a i ʻole ke kūkākūkā ʻana i nā hōʻaiʻē moraki no nā poʻe ʻē aʻe. Hoʻokomo pū kekahi mea kūʻai moraki a mea hoʻolimalima paha i kahi kanaka a i ʻole hui e hui pū ana i nā mea hōʻaiʻē a i ʻole mea hāʻawi kālā no nā hōʻaiʻē moraki a i ʻole hāʻawi i kahi lawelawe hoʻoholo e like me ka wehewehe ʻana ma 24 CFR Part 3500.2(a)(16)(ii).
(c) paʻa ka hōʻaiʻē e ka moraki ma ka waiwai paʻa kahi i kūkulu ʻia no ka noho ʻana e hoʻokahi a ʻehā ʻohana i loaʻa ai a i ʻole e noho ʻia a noho ʻia e ka mea ʻaiʻē ma ke ʻano he hale noho nui.
Hāʻawi ʻo Baroda Bank ma ka hōʻaiʻē home a me ka hōʻaiʻē kaʻa || hibiz tv
ʻO ka laha panakō ka ʻokoʻa ma waena o ka uku panee a kahi panakō e uku ai i ka mea hōʻaiʻē a me ka uku pānaʻi a kahi panakō e uku ai i kahi mea mālama. Ua kapa ʻia hoʻi ʻo ka hoʻolaha ʻana o ka ʻupena, ʻo ka pālahalaha panakō he pākēneka e hōʻike ana i ka nui o ke kālā i loaʻa i ka panakō me ka nui o kāna hāʻawi ʻana.
Loaʻa i kahi panakō ke kālā mai ka ukupanee i loaʻa iā ia ma nā hōʻaiʻē a me nā waiwai ʻē aʻe, a uku kālā i nā mea kūʻai aku e hoʻolilo i nā waihona i loko o nā moʻo kālā ukupanee. ʻO ka pilina ma waena o ke kālā i loaʻa iā ʻoe a me ke kālā āu e uku ai, ua kapa ʻia ʻo ka palahalaha panakō.
Eia naʻe, ke ana ka laha panakō i ka ʻokoʻa awelika ma waena o ka hōʻaiʻē a me ka hōʻaiʻē ʻana i ka uku paneʻe, ʻaʻole ka nui o ka hana panakō ponoʻī, ʻo ia hoʻi, ʻaʻole i hōʻike ʻia ka laha panakō i ka loaʻa kālā o kahi ʻoihana kālā.
E noʻonoʻo i kahi panakō e hāʻawi kālā i kāna mau mea kūʻai ma ka awelika o 8%. I ka manawa like, ʻo ka uku pānaʻi e uku ʻia e ka panakō no nā kālā i waiho ʻia e nā mea kūʻai aku i kā lākou mau moʻokāki pilikino he 1%. He 8 pākēneka me ka hapa 1 pākēneka ka palena ʻupena ʻupena o kēlā hui kālā, a ʻo ka hopena i ka palena panakō he 7 pākēneka.
Hoʻolilo kālā i ka hoʻonui ʻana i kāu ʻoihana me kahi hōʻaiʻē kūʻē i ka waiwai
ʻO ka Average Prime Offer Rate (APOR) he pākēneka makahiki e pili ana i ka awelika o ka uku paneʻe, nā uku, a me nā huaʻōlelo ʻē aʻe o nā moraki i hāʻawi ʻia i nā poʻe ʻaiʻē mākaukau loa. pākēneka kiʻekiʻe ma mua o ka APOR ma muli o ke ʻano o ka hōʻaiʻē āu e loaʻa ai: Laʻana: E ʻōlelo mākou e ʻimi nei ʻoe i kahi hōʻaiʻē moraki ma waho o kahi hōʻaiʻē jumbo no kahi home hou āu e makemake ai e kūʻai. Hoʻoholo ʻoe i kahi hōʻaiʻē moraki mai ka mea hāʻawi iā X me kahi APR o 6,5. Nānā ʻo Lender X i ka APOR o kēia pule a ʻike ʻia aia ma ka 5 pakeneka. No ka mea, ʻo kēia moraki ke kumu, a i ʻole pili mua, ma kou home a ʻo kāu APR he 1,5 pakeneka kiʻekiʻe ma mua o ka APOR, e manaʻo ʻia kāu moraki he hōʻaiʻē home kiʻekiʻe. ʻOi aku ke kumukūʻai o ka hōʻaiʻē moraki ma mua o ka moraki me nā huaʻōlelo maʻamau. No laila, pono ka mea hāʻawi kālā e hana i nā hana hou e hōʻoia e hiki iā ʻoe ke uku i kāu hōʻaiʻē a ʻaʻole e paʻa. Pono paha ka mea hāʻawi:
He aha ka waihona moraki? He aha?
KATHMANDU, Malaki 2: Ua aʻo aku ka Nepalese Rastra Bank (NRB) i nā panakō a me nā ʻoihana kālā (BFIs) e hana lākou i ka hana inā ʻike ʻia lākou ʻaʻole e mālama i nā pālahalaha pākēneka e like me ke kauoha ʻia e nā kulekele kālā.
Wahi a nā luna o ka NRB, ua kākau ka waihona kikowaena ma ka Lāpule i nā leka i ka hoʻokele o nā BFI e noi ana iā lākou e hana inā ʻaʻole lākou e hoʻokō i ke alakaʻi i hoʻokumu ʻia. Ua kaupalena ka kulekele kālā i ka laha ʻana o ka uku paneʻe no nā panakō kalepa i 4,4%, ʻoiai ua hoʻonohonoho ʻia ma 5% no nā panakō hoʻomohala.
ʻO ka hoʻolaha ʻana o ka uku paneʻe ka ʻokoʻa ma waena o nā kumukūʻai ma nā waihona a me nā hōʻaiʻē. Pono nā panakō e noʻonoʻo i ka awelika kaumaha o nā uku paneʻe ma nā waihona a me nā hōʻaiʻē i ka wā e helu ai i ka laha o ka uku paneʻe.
Hoʻopiʻi pinepine ʻia nā panakō no ka mālama ʻana i kahi ākea ākea nui, ka uku ʻana i nā uku ukupanee kiʻekiʻe ma nā hōʻaiʻē ʻoiai e hāʻawi ana i nā kumukūʻai haʻahaʻa i nā mea hoʻopukapuka, i mea e loaʻa ai ka waiwai kiʻekiʻe a me ka hōʻoia ʻana i ka helu kiʻekiʻe o nā ʻāpana i kā lākou mau mea kuleana.
I kēia manawa, ua noi ka NRB i nā microfinance institutions (MFIs) e wehe i ʻelua mau lālā ma nā kuaʻāina, inā makemake lākou e wehe i kahi lālā hou ma ke awāwa ʻo Kathmandu. I loko o kahi pōʻaiapuni i hoʻopuka ʻia ma ka Lāpule, ua mālama ka panakō kikowaena ʻo kekahi o kēia mau lālā hou ʻelua ma waho o ke awāwa e pono e kū i kahi kaona kua'āina.
