Kodi likuoneka kuti sanali kupereka ngongole ya? Kodi n'zotheka kuti kulipira ngongole, kodi zotsatira za njira imeneyi?

Zimachitika kuti munthu akutenga ngongole kubanki, ndiyeno chifukwa cha mavuto kapena zangochitika pa sankafuna kulipira, musati mupereke ndalama pa mwezi. Zikatero, ndi zidziwitso ku bungwe ndalama akhoza sizinathandize kutsatira mzake. Koma munthu uyu alibe anatani machenjezo. banki zambiri kudikira masiku 60, imene athe makasitomala kulipira malipiro overdue, palibe Kukumbukira za ngongoleyo. Komabe, makasitomala ambiri sindikuganiza zoti kuopsa sanali kupereka ngongole za ku banki.

mgwirizano

Popeza chakuti moyo angayambe contingencies zosiyanasiyana, malinga ena nthawi kuthetsa mabvuto. miyezi iwiri yokwanira mwanjira kusonkhanitsa pamodzi zofunika. Pambuyo atapita nthawi imeneyo, gulu ali ndi ufulu ntchito ku kampani zosonkhanitsira, ndi amangawa njiru ndi mavuto aakulu. banki amapita ku chotero muyeso kwambiri pokha pokha chiyembekezo. Nthawi zina zopita ku bungwe chuma ndi kukambirana ndi bwana angapereke mwezi lina la kuchedwa. Zimakhala zosavuta kukambirana ndi banki. Ukumana, mwina kulilembanso ndandanda ya malipiro molingana ndi zofuna zanu komanso zimene likuoneka kuti sanali kupereka ngongole za ku banki.

Kuopsa kwa defaulter chiyani?

N'zotheka zokulitsa ngongole, mwachitsanzo, kwa chaka, ndiye kuchuluka kwa malipiro a mwezi adzakhala yafupika kwambiri. Chochuluka cha ngongole si kuchita mlandu ogula ngongole ndi issuance amene wakhala wosalira kwambiri. Poyamba, magombe sizipanga amadandaula kuti defaulters chabwino ndi kuweruzidwa mabungwe kwenikweni malamulo. Tsopano akulimbana aliyense ngongole overdue. Aliyense pangano ali ndi mzera 1 Nkhani. 819 wa Civil Code, amene amapereka malipiro ndi wobwereka kuchuluka ngongole. Izi zikusonyeza kuti kasitomala n'ngoyenera kulandira ina banki. Komanso zinalembedwa mwatsatanetsatane, lomwe likuoneka kuti sanali kupereka ngongole kwa. Komabe, ndime 1 Art. 333 wa Civil Code angathandize analowa amavutika kuthana ndi chilango ndi chidwi accruals.

kusonkhanitsa Makampani

Koma ngati vutolo ali kulamulira, ndipo defaulters njiru si kuyankha mafoni ku banki, iye anachezeredwa ndi antchito a Makampani deta ndi chikhalidwe kwambiri kufotokoza mmene anthu cholakwika ndi wotani vuto adzabweretsa irresponsibility wake. The ziletso waukulu tingayembekezere likhoza sanali malipiro, anawerengedwa mwa pangano ngongole ndi kufunika powerenga chikalata ichi pamaso panu amavomereza izo. Mu chochitika cha mavuto osakhalitsa kwa ngongole yaikulu zopereka Apadera akhoza kulipira gulu lina, kupereka pasipoti ake ogwira ntchito ku banki.

Kotero ine anaopseza chifukwa cholephera kupereka ngongole? Tsiku lotsatira pambuyo inu kuphonya tsiku malipiro, ngongole okwana anawonjezera kuti kusakhulupirika chiwongola dzanja la 0.01% ya yaikulu kuchuluka ngongole. Zingatanthauze kuti anthu kupusa, koma ndi bwino kuganizira chifukwa chimene kuchuluka iye wapatsidwa tsiku. Iwo likukhalira kuti inu kulipira kwambiri.

Bank bwino

Tikumbukenso kuti udindo pa chigawenga si zingasokoneze defaulter. Komabe, mukhoza kutaya chuma chanu ndi kusankha bwalo, izo adzachoka mokomera banki. Ngati muli kubweza ndipo muli mangawa a masiku zoposa 60, oyang'anira bungwe chuma ali ndi ufulu kuika nyumba yanu kwa yobetcherana. Kuchuluka yaikulu adzapita ngongole ya ngongole ya. ndalama malamulo nawonso kulipira ngongole ya.

Ngongole Kusangalala kampani atagwira ngongole kubwerera, iye amalandira ku banki 50% ya ndalama, choncho nkhani magulu chingatilimbikitse kuchita kampani zovuta kwambiri. Iwo ayenera kumvetsa kuti adzawalanga sudzatha sanali kupereka ngongole kwa - zotsatira zake zikhoza kukhala wachisoni kwambiri.

Kuvutitsa wokongolayo

Zinthu malinga ndi lamulo, okhometsa kuyamba ndi alipidwa nkhani ofotokozera pa nkhaniyi kuti likuoneka kuti sanali kupereka ngongole kwa. Komanso zochita zawo kukhala amtopola. Malinga ndi olimba chilamulo, adatenga pa udindo, akhoza kuzigwiritsa ntchito bwalo. chuma cha munthu, si kulipira ngongole, kodi kutchulidwa ndi kumugulitsa ku ogulitsira malonda pa mitengo kuthungo.

Komabe, ena okhometsa kupewa zotuluka wofiira tepi, anayamba kuukira makhalidwe a wokongolayo. Mu mpikisanowo njira zosiyanasiyana: mabelu zoterozo, chenjezo, apakamwa ku malo a ntchito kapena yolambalalitsira onse oyandikana nawo nkhani za ngongole yanuyo.

Pa nyengo ya ngongole nthawi anapatsidwa pamaziko a mawu osavuta ndi pempho la Loan. Sindinali mfundo zoonjezera, koma zochitika zasonyeza kuti banki ayenera kudziteteza ngongole sanali malipiro. Kuti zambiri za ndalama si "zii," utsogoleri anali kumangitsa zinthu kukongoza.

Scammers ndi "defaulters chokoma"

Banks ndi mosamalitsa m'kagulu amangawa m'magulu awiri. Choyamba - ndi fraudsters kutenga ngongole pa zikalata linapanga ndi chikopa ku oimira m'banja. Iwo amakhulupirira kuti simungathe ngongoleyo - palibe chifukwa izo sizidzatero. Gulu lachiwiri - nzika wamba, kukanirira mwadzidzidzi mu mavuto ambiri. sangathe kulipira ndalama mwezi kwa khumbo lake onse. Nthawi zambiri, nzika iwonso (kumene, osati ufulu) mwa anticollection mwamphamvu kuti musayandikire adani awo monga nawo Kodi sizikumuonekera bwino. Choncho, zikuonekeratu kuti mavuto aakulu sanali kupereka ngongole limafulatira. Kodi likuoneka, ndipo kuchitika mwa phukusi la milandu?

kuchedwa

Ngati pali mphamvu majeure vuto ndi itadutsa chifukwa malipiro pa ngongole, muyenera kubisa ku banki. Ndi bwino kukambirana mwakachetechete ndi anthu ake, fotokozani vutolo ndipo pamodzi kuganizira momwe Zitatero m'tsogolo. Nthawi zina kasitomala angadalire tchuthi yaing'ono. Koma musachite mopepuka deferral kupatsidwa - kuchuluka uyenera kulipiridwa zofunika, mwinamwake banki adzapita miyeso kwambiri. amangawa ambiri poyamba ndithu kumvetsa zimene sanali kupereka ngongole kuposa nkhope zikatero ndi zotsatira angachotsedwe.

yobetcherana

Ngati ngongole zanu akutengedwa pa chitetezero cha chuma, banki ali ndi ufulu wotilamula kuti agulitse posachedwapa. Oimira gulu adzakhala mu khoti kufunafuna ndi yobetcherana. Sikuti kubweretsa kwa izo, kotero kuti chuma chanu amazigulitsa pa mtengo kochepa. Ndipo si zoona kuti chimaposa kuphimba ngongole okwana ndi kusakhulupirika chidwi ake ndi zilango. Ngati khoti waganiza kuti asanene ayambe malipiro, ndi ngongole akanali mtengo yekha wa moyo, ndi zina ndalama adzakhala basi mlandu ku banki chifukwa cha alipire ngongole ya.

Anthu ena kugawana zawo, mafunso zimene ana amakumana ndi kulephera kulipira ngongole, kuposa ngozi. Forum nthawi zonse kukambirana onse okhudzidwa pa moyo wathu. Apa, anthu onena mmene iwo anatuluka Zikatero, ndi kupereka malangizo. Kumene mukhoza kupeza yankho la funso ngati ngongole sangathe kulipira konse. Koma kodi n'kofunikira kutero? Chifukwa tsopano inu mukudziwa chimene izo zikutanthauza.

Lamulo amalola banki kusamutsa maganizo ngongole kwa deta ngongole ku bungwe lina. About nthawi yomweyo iye afunika awadziwitse kasitomala motayirira. Apo ayi, wamangawa akhoza kutsutsana ndi maganizo amenewa.

Ngati Bank amakhutitsidwa kuti kasitomala ndi chinyengo, kungafunikire yazamalamulo mabungwe kutsegula mlandu pa mfundo imeneyi. Komabe, mu Zikatero, anthu a bungwe chuma ndi ngongole kutsimikizira kuti mfundo koteroko sikunachitike.