ʻO ka lālā he lālā wale nō ia o ka ʻaelike inikua a i ʻole ka ʻaelike panakō, he kuleana ko ka mea kākau inoa i nīnau ʻia i ka hui. ʻO kaʻoiaʻiʻo, pono ka lālā e kākau inoa i ka ʻinikua a i ʻole kahi waihona kālā a i ʻole kahi hui kālā. No laila, e loaʻa a loaʻa paha ka mea i kapa ʻia ʻo ka helu lālā ! He aha kēla ? Ma hea e loaʻa ai? Nā pane!
He aha ka helu lālā a ma hea e loaʻa ai iaʻu?
E like me ka mea i olelo mua ia, he lala, 'o ia ka mea e pili ana i ka 'inikua 'inikua a i 'ole ka mea i kapa 'ia he 'aelike a me ka hui panakō hui. ʻO nā panakō like i nīnau ʻia ma ke ʻano maʻamau:
- la CASDEN ʻO Banque Populaire, ka mea i manaʻo ʻia ʻo ia kekahi o nā ʻoihana hui maikaʻi loa ma Farani;
- Les nā panakō aupuni o Crédit Agricole ;
- le ʻaiʻē like ;
- la Palani hui panakō BFM;
- ka hui BPCE ʻo ia hoʻi ka waihona mālama kālā;
- la hou.
E hoomaopopo pono oe, no ka mea e lilo i lālā, ʻo kāu mea e hana ai, ʻo ke kau inoa ʻana i kahi panakō hui, aia wale nō i kēia hihia kikoʻī he lālā ʻoe. ʻAʻole ka mea kūʻai wale nō ka lālā, akā he mea hui pū kekahi o ka hoʻokumu.
I kēia manawa no e ʻike i kahi o kāu helu lālā, e nānā wale i kēia mau palapala:
- kaʻa kaʻa a i ʻole ke kāleka ʻōmaʻomaʻo;
- ka hoʻolaha hoʻopau;
- palapala 'inikua;
- ma kāu palapala noi lālā olakino;
- ma kāu kikowaena pūnaewele pilikino.
He mea nui e hoʻoikaika i kēlā no e ʻimi i kāu helu lālā, pili ia i ka panakō hui a hui pū paha āu i koho ai.
No ke aha e lilo ai i lālā o kāu panakō?
Pono e ʻōlelo ʻia lilo i lālā o kāu panakō he nui na pomaikai! Ma ka lilo ʻana i lālā, ʻoi aku ʻoe ma mua o ka mea kūʻai aku. ʻO ka mea mua, loaʻa iā ʻoe nā ʻāpana, ʻoiaʻiʻo, pili ia i ka nui āu i hoʻokomo ai.
E ʻoluʻolu e hoʻomaopopo i nā ʻāpana āu i loaʻa ai ma kāu panakō no e lilo i lālā ʻaʻole pili loa i ka waiwai i loaʻa, ʻoiai ʻaʻole e loli ka waiwai o nā ʻāpana e like me ka mākeke. Ma kekahi ʻaoʻao, ma ke ʻano he lālā, pōmaikaʻi ʻoe mai:
- he ʻauhau ʻauhau waiwai, ʻo ia hoʻi, ua hoʻokuʻu ʻia ʻoe i nā ʻauhau he nui;
- nā ʻike nui a pau e pili ana i ka holomua a me ka holomua o nā neʻe kālā e hiki mai ana;
- ke komo pololei i nā mea a pau e pili ana i ka hana o ka panakō, nā papahana kālā, ka hoʻokele kālā, etc. ;
- ke komo ʻana i nā hālāwai nui o kāu panakō ponoʻī a pēlā e lohe ʻia ai kou leo. Hana ʻia nā mea a pau ma o nā balota a ma kahi āu e hiki ai ke waiho i nā papahana a me nā manaʻo;
- nā kumukūʻai makemake i nā huahana like ʻole, ʻoi aku ka manawa e loaʻa iā ʻoe ka manawa e pōmaikaʻi ai i nā hōʻemi he nui o nā uku ma kekahi mau hana.
Ma ka lilo ʻana i lālā ma ka puʻuwai o kāu panakō, ua like ia me nā makana pono a maikaʻi!
Ma hea e loaʻa ai ka helu lālā e like me ke ʻano o nā panakō like?
Ma Macif, maʻalahi loa ia e huli i kāu helu lālā. ʻOiaʻiʻo, hiki ke loaʻa ma:
- ma kāu kaʻa kaʻa;
- kāu leka hoʻomaopopo no ka pau ʻana;
- kou mau kūlana;
- kāu noi no ka lālā olakino.
Eia kekahi, inā makemake ʻoe e hoʻopili i kāu wahi mea kūʻai aku, no ka laʻana, i ka MAIF, he maʻalahi, pono ʻoe e kākau i kou inoa inoa (kāu leka uila no ka laʻana) a i ʻole kāu helu lālā he 7 huahelu a me 1 leka. Hiki ke loaʻa kāu helu lālā MAIF ma kāu leka hoʻomaopopo o ka pau ʻana a i kāu kāleka ʻōmaʻomaʻo.
ʻO ka hope, pono ʻoe e ʻike i kēlāma ka lilo ana i lala, ʻaʻole pono ʻoe e hana i kāu wahi pilikino, pono ʻoe e hoʻokomo i kou inoa inoa a me ka ʻōlelo huna. Inā ua nalowale a poina paha ʻoe i kāu ʻōlelo huna, e kaomi wale i ka "poina ʻōlelo huna" a pau ʻoe!
I kēia manawa ua ʻike ʻoe pehea e hana ai e huli i kāu helu lālā, inā ʻoe me ka hōʻaiʻē like, ʻo Caisse d'Epargne a i ʻole CASDEN.
