Nthawi zina pali zinthu pamene munthu amapanga ngongole ku bungwe la ndalama, ndipo pali mavuto ndi mphoto yake. Pankhaniyi, funso n'lakuti, kodi chingachitike n'chiyani ngati mulibe kulipira ngongole ku banki.
Malinga ndi kafukufuku, makasitomala ambiri amene adaganiza kuti kulipira ngongole kukhalabe nzika zosungunulira. Borrowers chabe achoke ntchito zawo. Ndi kuti, pali zifukwa zambiri. Anthu ena safuna kupereka ndalama zawo, pamene ena amakhulupirira kuti wokongoza amafuna mtengo mkulu chidwi, etc.
Koma kumbukirani: ngati munthu "alenjeka" ngongole, iye lidzabweza izo. Ngakhale kuti si mantha ndi mavuto ndi kuopsa tidzapitiriza kunyalanyaza wokongoza ndi kupeza zomwe zimachitika ngati mulibe kulipira ngongole ku banki.
Mu dongosolo lililonse ngongole pali lingaliro "kuchuluka palibe kubwerera." Mu mawu ena, wokongoza akubwezeretsa kupenyetsetsa mlingo okuta ndalama zonse processing ngongole kuti wobwereka lidzabweza. Pakhomo osachepera chizindikiro ndi 3% ngongole ya.
Komabe sikuthandiza si kulipira ngongole, monga wokongoza sakufuna kusiya monga choncho ndi Cuma. gulu adzatenga miyezo chiwombolo kwake, ndiye wobwereka adzazindikira chimene chingachitike ngati mulibe kulipira ngongole ku banki. Choyamba, wantchitoyo bungwe ndalama adzachita mokoma mtima ndi kuitana mafunso. Pa nthawi adzalengeza kuchuluka kwa ngongole, ndi kupeza zifukwa omwe sanali malipiro. Mu nkhaniyi, wobwereka akhoza kumva mawu bwino: "Ine ndikukumbukira za ngongole wanga, koma tsopano sindingathe kulipira ngongole, chifukwa palibe ndalama kulipira ngongole." Kodi kuchita zinthu izi, kuti kubweretsa nkhani ku khothi? Mukhoza amavomereza kuti milungu ingapo kuchuluka udzabwezeredwa, koma si koyenera kukhala impudent ndi kupempha miyezi kubwerera ngongoleyo. Ena borrowers chifukwa malonjezano mwina mwayi malipiro kwa ndithu nthawi yaitali. Komabe, chiwembu sakulonjeza kuti unachitikira banki lalikulu, ndi kulipira pa nthawi.
Kodi chimachitika n'chiyani ngati mulibe kulipira ngongole ku banki ndipo pambuyo nthawi olonjezedwa?
Pankhaniyi, magombe resell makampani zosonkhanitsira ngongole kumenya kunja amangawa awo. Cholinga chawo - kupeza ndalama kumbuyo pa mtengo uliwonse, choncho amaumiriza makasitomala mwa njira iliyonse mwalamulo. Tsiku lililonse, antchito osati kuitana pa foni yake, komanso kubwera kunyumba ndi kufuna kubwerera kwa ngongole. Sikuti kubisa, monga okhometsa mukhoza kuyamba kuitana okondedwa anu ndiponso akufuna. Iwo akhoza mantha, nanena kuti ngati mulibe kulipira ngongole, kupita ku ndende kwa nthawi yaitali. Okhometsa chirichonse kotero kuti salinso kugona mwamtendere. Iwo ndidzadutsa mlanduwu kukhoti, ndipo upite bailiffs lapansi. Mukhoza, ndithudi, kubisa ndipo musati kutsegula chitseko, koma choonadi kumbali yawo, ndipo inu linaphwanya mgwirizano wa pangano ndi ayenera kulangidwa.
N'zotheka zaka zitatu akubisala ndipo dikirani kumaliza malamulo a zofooka, koma kupeza ngongole mudzakhala sakwanitsa.