Kukonzekera zikalata cha ngongoleyo

Pamene wobwereka amapita ku banki kupeza ngongole, wogwira ntchito limanena za zinthu ndi ndondomeko opereka, ndipo limaperekanso mndandanda wa zikalata wofunikila kulembetsa.

Background Documents kwa ngongole

Zikuphatikizapo mapepala kuchuluka kwa ndalama, pasipoti ntchito, komanso zikalata zina mitundu ina ya ngongole.

Statement ndi wobwereka ndi mayina banki wantchito amene amachita ndi ngongole mawu mlandu wa magaziniyo. Iwo n'chakuti pa nambala ndi tsiku. Komanso, makope zopangidwa zikalata zonse mudzabwezedwa. Antchito ndi mndandanda wa mapepala analandira, omwe chili kapena pa pepala osiyana kapena kuseri mawu. Documents kwa ngongole opatsidwa ndi wobwereka adzachotsedwa, opatsirana, lolembedwa ndi kusungidwa mogwirizana ndi malamulo a banki. Kamodzi mapepala onse anasonkhana pamodzi chokongoletsedwa, iwo akuuzidwa kuti anayendera chachikulu.

Yotsimikiza koyamba wobwereka ndi

The lililonse la funso la ngongole zimadalira mtundu ndi kuchuluka, koma sayenera upambana masiku khumi. Kuwerengetsa kumayambira tsiku kugonjera mapepala. Ngati ife tikulankhula za ngongole zosowa wofunika chisankho amaperekedwa masiku khumi.

Documents cha ngongoleyo anapereka kwa wobwereka, ndi wantchito banki adafikapo. Izi zachitika kuti kulamulira mfundo mafunsoka. Pogwira yotsimikizira za zikalata agonjera wantchito ikulowa mu ngongole mbiri ya wobwereka ndi guarantor (chikole), kuchuluka kwa ngongole pa ngongole kale analandira (ngati), kapena ukutitsimikizira anapatsidwa ntchito Nawonso achichepere anthu. Ngati ndi kotheka, iye iyankha zopempha kuwonjezera ngongole kwa mabanki ena, mabungwe ndi makampani.

Zikanakhala bwino kuti monga mwa guarantors wa anthu amene umanena kuti aliyense zimakhalira pachibale ena: wamkulu ana, makolo, makolo omulera, akazi, komanso owasamalira. mlingo ndalama zilibe kanthu. lamulo limeneli likukhudza okha ngati palibe guarantors yekha. Pambuyo kuyenderako anatsimikiza mtima creditworthiness wobwereka ndi pazipita zotheka kuchuluka kwa ngongole ya.

Pambuyo dipatimenti ngongole amatumiza anasonkhana pepala thumba mu dipatimenti malamulo. Malinga ndi kusanthula ndi kutsimikizira zikalata chifukwa kugawikana chitetezo ngongole ndi kutha kulemba, amene imafalikira ku dipatimenti kukongoza.

dipatimenti Mawu angatengere mbali pa ntchito ya appraiser palokha kapena wantchito wa logwirizira , (mu nkhani ya kukhazikitsidwa kwa lonjezo la galimoto, malo kapena chuma zina, kuona phindu la chuma). Pambuyo mumayesto katswiri amalenga maganizo Katswiri, omwe amaperekedwa mu dipatimenti ngongole. Monga chikole angagwiritsidwe ntchito ndi sheya, n'zotheka kulandira kudziwa akatswiri banki a. Iwo kupanga katswiri maganizo amene imafalikira mu dipatimenti ngongole. zikalata zonse anafufuza mosamalitsa, chifukwa izo zimatengera iwo creditworthiness wa wobwereka lapansi.

Kafukufuku wa creditworthiness wa wobwereka ndi

Potaya chinthu ichi, ku ndalama za munthu deduct onse a awa mafunso ndi kuthandiza malipiro ena. Zikuphatikizapo thandizo mwana, zopereka, msonkho, kupereka chiwongoladzanja pa ngongole zina ndi alipire ngongole pa iwo, kuwonongeka malipilo, etc. Kuti aone creditworthiness wa wobwereka ndi guarantor banki wantchito osati amafufuza mbiri, komanso kuchepetsa zikalata ntchito kapena kupelekedwa ndi boma matupi zodzitetezera pa umoyo wa anthu kuchuluka kwa amachotsera komanso ndalama. Kukonzekera zikalata kwa ngongole ya mtundu wina uliwonse, mapepala izi zifunika.

Chomaliza

Popeza ndatsiliza cheke, munthu wogwira ntchito ku banki, pochita zinthu ndi nkhani imeneyi, kupanga pepala thumba ndi zochita zake, umene adavomereza ndi mutu wa Dipatimenti. zikalata zimenezi zimatumizidwa ku dipatimenti kasamalidwe ngongole, zomwe zimachititsa chigamulo chomaliza pa kukana kapena extradition. Pa nkhani ya ndalama m'ndende kapena ntchito chinafotokoza kasitomala chifukwa.

Pambuyo malipoti kukondweretsa ngongole, makasitomala ayenera kudziperekera okha ndi zikalata kwa ngongole, kubwera ku banki.