Ogula ngongole kwa anthu - pang'ono choonadi kwa katswiri

The ntchito wotchuka anapereka mabanki malonda - ichi ndi ogula ngongole anthu. Ndipo n'zosadabwitsa, chifukwa mtundu wa kukongoza akhoza kubweretsa ndalama wabwino kwa mabungwe a zachuma cha dziko lathu. Ichi ndi chifukwa kwambiri chiwongola dzanja. Choncho, kwa chaka, kutenga komishoni chifukwa ndi chidwi ingalemetsedwe ogula 40% ngongole ya.

Ogula ngongole kwa anthu: makhalidwe ena

msika - anthu ganyu. Mawu chikalata yekha waganyu. Kuchuluka ngongole zimadalira zamitundu malipiro lomaliza. Ngakhale malonda banki amanena kuti theoretically mukhoza kupeza kwambiri kuchuluka kwa ndalama, ngongole pang'ono masamu kokha pamaziko a mumapeza. Kwenikweni, pazipita ngongole kuchuluka ndi za zitatu malipilo pamwezi. Ndiyeno, ngati wolipira mu nthawi kukwaniritsa udindo wake, banki angafunse malire asanu malipilo pafupifupi mwezi wa wobwereka lapansi.

The chiwongola dzanja pa ogula ngongole kwa anthu zachilengedwe ndi apamwamba kuposa mankhwala ena ngongole. Ichi ndi chifukwa mkulu ngongole chiopsezo: Ndipotu, mtundu wa ngongole si wotetezedwa mwa ina. Komanso, pali chiopsezo anthu zipolopolo kuchokera ku ntchito, kenako pakutchulidwa ya malipiro overdue. Palibe chinthu chotero monga ogula otsika ngongole - ndi malonda yomwe makampani ndalama. Ndi mitengo otsika chidwi kudzakhala opanda pake kwa gombe.

Makamaka pamaso pa ngongole kusankha banki bwino ndi mawu a kukongoza. Pali milandu kuti munthu chiwongola dzanja yekha angamvele malonda, koma zoona pali mwezi ntchito, inshuwalansi ndi zina zotero.

Macheke ngati wobwereka banki pamene mupanga ngongole?

Lililonse banki akuyesera kusewera otetezedwa ndi kuchepetsa mavuto awo. Choncho, pamene borrowers ali anapempha kuti apereke ogula ngongole kwa anthu, banki akuyendera kuyendera mabuku.

Woyamba kutsimikizika kudzera wobwereka amasinthira (CRB). Ngati inu kale anatulutsa ngongoleyo, amasinthira adzakhala apereke pempho mumve banki za chiwombolo wake, komanso kupanga kuvota kwanu. Kuchokera zambiri zimadalira chisankho winanso wa banki akubwereketsa wobwereka angathe.

Aliyense njira banki kwa mbiri ngongole ndi osiyana: ena kutenga mauthenga kwa zaka ziwiri zapitazi, winayo zaka zisanu.

Tikufuna osanenapo ogula ngongole popanda kufunsa pa ndalama. Kuchuluka kwa ngongole ngati n'chozama kuposa ndi kufunsa ndi mitengo - apamwamba. Choncho, ntchito ngati ngongole bwino pokha pokha kwambiri.

Mfundo kuganizira borrowers kuthekera

• Musanayambe amatenga ngongole, muyenera kuganizira bwino nthawi ino. Poponya Sikuti kuti achitenge icho.
• Samalani zimene ali omasuka malipiro pa ngongole, amene alibe upambana 25% ya malipiro anu ukonde. Pankhaniyi, wobwereka silidzakhala ndalama, anafuna kuti ntchito zina.
• Musamalandire ngongole "kuti eyeballs ndi", kuyambira kusintha malipiro anu pansi chingandithandize kupanda ngongole ya.
• Khalani diso pa ngongole mbiri yanu, chifukwa inu konse zimene zingachitike moyo, kusamalira m'tsogolo.