Kodi kuthana ndi okhometsa: malangizo

Analikodi kukanganira za kapena kubwereka banki. Izo zonse zimadalira; mmodzi, mwayi uwu amathandiza kwambiri, koma kwa ena inasanduka ntchito molimba kwenikweni. Nthawi zambiri obwereketsa kutembenukira kwa okhometsa - kuti Makampani payekha kupereka mautumiki awo mu deta ngongole. Ntchito za mabungwe amenewa bwino motsatira malamulo choncho nthawi zambiri zimakhala iwo nkhanza zosiyanasiyana ulamuliro wake. Kodi kuthana ndi okhometsa ndiponso kuteteza ufulu wawo? Umutu ndi cholinga cha nkhani imeneyi.

Kodi ufulu kuchita defaulter ngongole?

Ngakhale kuti lamulo ndi lamulo wapadera zoyenera mabungwe nawo adzabwerenso ngongole overdue ntchito ya kampani aliyense sayenera kupitirira munda zolimbana. Ndipo kotero akatswiri amene Akudziwa mmene angachitile ndi okhometsa, ndi mpofunikila kukumbukira malamulo otsatirawa:

1. Ngati wawo ndi kunditumiza ku ngongole watsopano, wamangawa sangathe kukwaniritsa zimenezo bola sasamalira mgwirizano wabwino ndi bungwe banki, komanso kupempha olembedwa kuti ndalama ngongoleyo.
2. Pankhani ya zaka zitatu nthawi malire amafuna aliyense okhometsa wosayenera. Pa nthawi yomweyo, monga mwa chilamulo, kuwerenga kuchokera tsiku kulankhulana otsiriza ndi akuluakulu a Bank (telefoni, kupereka ndalama, chiphaso cha kalata, etc.).
3. Kodi kuthana ndi okhometsa amene anamuopseza kuti achotse katundu? Akumbutseni kuti zimenezi zimatheka ndi akhoti, ndi kuchita izo bailiffs kwambiri.
4. Kuchuluka ngongole, chilango malipiro mochedwa ndi alipire ngongole atsimikiziridwa potsatira mgwirizano ndi banki ngati okhometsa kuitana manambala ena, kuwakumbutsa zinthu izi sizingasinthidwe mwa iwo unilaterally, mwachitsanzo popanda chilolezo wanu.

Kulankhulana ndi okhometsa

Phwando lalikulu, lomwe ndi maziko a njira zonse za ntchito ya mabungwe awa ndi kuthamanga maganizo pa wokongolayo. Kawirikawiri umachitika zololeka - nzika kufotokoza kuposa iwo akufuna sanali malipiro, koma nthawi zambiri okhometsa kwambiri za chakuti wobwereka si bwino ufulu wawo, ndipo ankagwiritsa ntchito yosakongola, kuphatikizapo kumuopseza lotseguka. Kodi kuthana ndi okhometsa mu nkhani iyi? Choyamba, onani lamulo zofooka ngongole. Ngati ali ndi zaka zosakwana zitatu, itanani banki mwachindunji amene bungwe tsopano ukugwira ayambe ngongole si zochita. Pambuyo pake, pa pempho maheda zikalata zoyenerera kutsimikizira ufulu wawo kukakamiza obwezeredwa ngongole yanu. Pamene iwo satero, ayenera zithe kulankhulana nawo.

Asanayambe kukambirana, kuchenjeza mlandu wa angongole mukufuna kuchita kujambula. Sikuti kulankhulana zambiri zanu kuti okhometsa: malo a ntchito, mlingo wa ndalama maadiresi ndi manambala a foni a achibale. Pa kuyankhulana ndi, khalani bata ndi mulibe n'kumatinyengerera angongole kapena kudziikira kumbuyo. Ngati wambirimbiri ngongole - n'kwabwino kupatsa mogwirizana ndi deta bungwe wazamalamulo wabwino. Pankhaniyi, mungathe ndithu njira zothandiza ndi kuwerenga pa zotsatira zabwino mlanduwo.