Kodi n'zotheka thanani yovomerezeka ngongole ngongole?

Mwatsoka, ambiri a ife tiri pamene ntchito kwa ngongole pa kuchuluka mwachilungamo wamakhalidwe sangathe bwino ganizilani maluso a zachuma. ife zambiri kuiwala kuti ngakhale tsiku limodzi la kuchedwa kungachititse ndalama waukulu ndi chidwi zotsatira. Malinga ndi zomwe zilipo, kulandilidwa ndi mphambu ziwili za chiwerengero cha borrowers mu arrears. Choncho n'zosadabwitsa kuti ambiri a iwo ndi chidwi, kodi n'zotheka kuti mwalamulo kulemba ngongole kubanki.

Kodi ife ndi kulangidwa si kulipira ngongole?

Ngati wobwereka pa nthawi yaitali sizikupanga chofunika ndalama, oimira banki ali kupita miyeso kwambiri. Chinthu chokha chimene iwo angakhoze kuchita Zikatere, ndi kuyambitsa chiyambi cha mlandu. Pambuyo bwalo adzalamulira pa chopereka ngongole, chisankho m'malo adzaikidwa mu manja a bailiffs. Kuyambira tsopano, izo Musiyeni iwo mosasamala wobwereka. Koma mwamwayi, mphamvu zawo kwambiri yotakata. M'malamulo panopa, ndi bailiffs ali ndi ufulu:

• kudzera mu ofesi yokhomera msonkho kupeza malo ovomerezeka ntchito ya wobwereka pa mwezi ndi kuwerengera theka la zasungidwa wake;
• kuti akawamange nkhani ya ngongole, ngati, ndi kwa iwo kulemba pa kuchuluka kwa ngongole;
• mmangeni Ndiyeno pa galimoto wobwereka a.

Wakumvera lamulo, apolisi alibe ufulu kutenga nyumba, umene uli pogona yekha. Ngati wobwereka si mwalamulo ntchito paliponse ndipo ali nkhani palibe banki ndi chuma chamtengo wapatali, chinthu chokha chimene chingakhoze kutenga bailiffs, ali pafupi kupita kudziko lina. Wapolisi, wotsimikizira za chiyembekezo kuchira, atumiza kwa chikalata banki kutsimikizira mfundo imeneyi. Imeneyi, gombe ali kugwirizana kwa Kulipira mlandu ngongole. Koma sindikuganiza kuti ndi zofala. Childs, izi zimachitika mu nthawi zina kwambiri.

The zimathandizadi kwambiri zimayambitsa oyambitsa wochita oterowo

Monga ulamuliro, magombe zikuwavuta kwambiri thanani sanali kuchita ngongole yovomerezeka. Kuyamba ndondomeko imeneyi, tiyenera nkhani amphamvu kwambiri. Banks kugwirizana amenewa akumane okha sitepe pokha pokha kumene:

• ngongole ya linaperekedwa pamaziko a zikalata wopeka. Zikatero, nkhani ya chinyengo anayamba kuchita ndi mabungwe yazamalamulo.
• The bungwe ndalama ali zedi cha ngongole zoipa ndi ndodo anaphonya lamulo zofooka.
• banki anataya khoti lomwe linalamula kuti iye achite Kulipira mlandu ngongole ngongole.

zifukwa zina wamba chiyambi cha njirayi ndiyo imfa kapena mofulumira a wobwereka lapansi. Ngati wakufayo kumanzere cholowa kuti akhoza kugawidwa pakati pa banja lake, palibe amene adzalipira ngongole yake, ndi banki adzayenera kuyamba yovomerezeka ngongole ngongole Kulipira. Yemweyo amapita kwa borrowers akusowa. Ngati patatha zina za lamulo Kukwanilitsa mabungwe kupeza iye, wosindikiza chikalata banki kutsimikizira mofulumira wake.

A mawu ochepa zofooka

malamulo zoweta amapereka kwa chinthu monga malamulo a zofooka. Ndicho timatha borrowers kudalira pa yovomerezeka Kulipira ngongole ngongole. Motero, nthawi imene bungwe chuma ali ndi ufulu kuti khoti kusonkhanitsa ngongole kwa borrowers opanda khalidwe, ndi zaka zitatu. Komabe, m'kati kudziwa nthawi ino tiyenera kuganizira angapo zina zabwino zofunika.

Choyamba muyenera kudziwa kuti poyambira ndi tsiku amalipira kotsiriza. Komanso, oimira Bank ayamba kugwira ntchito ndi borrowers wobvutika kumapeto kwa masiku 30. pambuyo pochedwetsa. Patapita miyezi itatu, ndondomeko izi zikugwirizana dipatimenti malamulo. Ngati patapita masiku 90, ndi ngongole sanapange malipiro zofunika, gombe adzakhala kugonjera bwalo. Choncho, pali ziro Buku mfundo. Kuyambira nthawi limayamba latsopano achiyesa malire.

Kodi poyambirira pa lemba-pati?

Ena borrowers molakwa kuti ndi yovomerezeka ngongole ngongole utalembedwa-kutali - ndi ndondomeko yosavuta. Zochita izo yoyamba zingapo zoyezera yeniyeni. Musaiwale kuti banki akhoza kuyamba kusonkhanitsa, pogwiritsa ntchito m'madi- wapadera, okhazikika mu ntchito ndi chuma lovutali. Komanso ali ndi ufulu lichotse ballast ndalama kugulitsa zosonkhanitsira ngongole ofesi yake.

Kodi kuchita ngati banki anagulitsa okhometsa ngongole?

Pamaso kuvomera uncollectible, kosamalira ndalama akhoza kutenga wina, nthawi imeneyi ulendo omaliza osachepera kuti amupatsa kanthu ngongole imeneyi overdue. Posachedwapa, panali mndandanda wa maudindo wamba, limene kwa nyimbo kugula katundu maganizo. N'zotheka kuti banki kusankha kugulitsa ngongole yanu ndi kampani ina yotero. Choncho, wamangawa ayenera kukhala okonzeka msonkhano latsopano ndi okhometsa. Monga ulamuliro, ulendo omaliza kukambirana njira yamtendere, popanda wakulimbira kuthamanga kwambiri pa wobwereka ndi. Angapereke kukonzanso pa mawu mwachilungamo yabwino kapena ngakhale kukhululukira ena ngongole. Koma ngati wobwereka Pankhaniyi sindingakhoze akhudzidwa ndi odzitcha, ndiye pali komaliza mwalamulo thanani ngongole ngongole.

Pomaliza

Kupanga ngongole, muyenera bwino ganizilani maluso awo. Asananyamuke ku banki, muyenera amapenda zinthu ndi zaimfa ndalama zingati sudzatha kwa inu yolemetsa zosatheka. Amene anali akadali mu anaima mutu, tingakhale amalangiza pofuna thandizo kwa loya oyenerera amene tinene zimenezi. Kuyembekezera kwa ngongole utalembedwa-kutali, sitingathe kuyiwala za zingachitike. Monga ulamuliro, oipa borrowers omwe alowa mu otchedwa wakuda mndandanda, kotero kuti doko si ngongole wake mbiri, komanso mbiri.