Kodi mungabwezere bwanji ngongole mwachangu?
Ngongoleyo idakulolani kuti mugule zofunikira ndikulipira zosowa zanu zachangu, koma tsopano zikulendewera ngati katundu wolemera? Ndizovuta makamaka kwamaganizidwe kwa iwo omwe ali ndi ngongole kubanki zimawalepheretsa kukhala omasuka. Ngongole imatha kusokoneza mkhalidwe wamaganizidwe, kumabweretsa kupsinjika kwakanthawi kapena ngakhale kukhumudwa.
Ngati mukufuna kutuluka ngongole mwansanga ndikubweza ngongole, konzekerani bajeti yanu mosamala, phunzirani momwe mungasungire ndalama ndikuwongolera ndalama zonse zomwe zilipo kuti mubweze ngongoleyo. Ndikosavuta kusiya ndalama zosafunikira tsiku lililonse ngati mungaganizire momwe zingagwiritsire ntchito ndalama kulipira ngongole zomwe muli nazo, ndikugula zinthu zazing'ono ndi ndalama zanu, zomwe mudzakhale nazo mukadzabweza ngongoleyo.
Kuti mudziwe momwe mungaperekere ndalama zosafunikira, taganizirani kuti munabwereka ma ruble 100-200 kapena zikwi zingapo kubanki, mwachitsanzo, kugula sofa, ndipo muyenera kulipira ndalama zomwezo kuti azigwiritse ntchito monga ngongole yomwe ilipo kale. Kuwerengera koteroko kumakulepheretsani kugula zinthu zazing'ono zosafunikira, zomwe zimawononga ndalama zambiri (nthawi zambiri 2-3 kuposa mtengo) kulipira kwambiri.
Momwe mungathandizire kubweza ngongole?
Kuti mulipire ngongoleyo tsiku lomaliza lisanachitike, mverani malangizo awa.
- Lipirani lisanaperekedwe tsiku lomwe mwabwezeretsedwe - ndalama zochepa zobwereketsa zikagwiritsidwa ntchito, chiwongola dzanja chochepa chimapezeka. Zotsatira zake, kulipira konsekonse kumakhala kocheperako, zomwe zingakuthandizeni kuti muchotse ndalama zomalizira ndikulipira ngongoleyo pasanapite nthawi;
- Kulipira ndalama zazikulu kuposa momwe munapangidwira munthawiyo - zikuluzikulu zomwe mumapanga, ngongole zambiri zimazimitsidwa, zomwe zimakupulumutsirani kulipira chiwongola dzanja chowonjezera pa ngongole yayikulu.
Ngakhale ma ruble owonjezera 10 zikwi omwe amalipira mopitilira malipiro oyenera adzathandiza kupulumutsa pafupifupi 1-2 zikwi za ruble pachaka, ndipo zaka 5-10 ndalama zofanana ndi zolipira zina. Ndiye zidzapezeka kuti mutolere kukhitchini. Kulipira tsiku limodzi lokha m'mbuyomu kubweretsa ndalama za 0.05-0.1% ya ngongole yonse.
Momwe mungabwezere mwachangu ngongole zingapo?
Pomwe ngongole zingapo zilipo, ndipo muyenera kulipira ngongole mwachangu, mutha kugwiritsa ntchito njira izi:
- Kubwezera ngongole yaying'ono koyamba - njirayi ndioyenera kwa iwo omwe akufuna kubweretsa zotsatira za zomwe achita, mwachitsanzo, m'malo mokongoletsa atatu mutalipira ngongole zochepa kwambiri, awiri okha atsala, kenako m'modzi;
- Kubweza ngongole ndi zolipira zabwino kwambiri pamwezi - njirayi ithetsa vuto lalikulu pa bajeti, koma simudzawona zotsatira zake nthawi yomweyo, chifukwa nthawi zambiri pamakhala ngongole zazikulu pamwezi ngongole yomwe imaperekedwa kwakanthawi;
- Bwezerani ngongole yotsika mtengo kwambiri. Yankho labwino kwambiri ndikulipira ngongole yoyamba, yomwe ndi yokwera mtengo kuposa ina, ndipo siyopindulitsa kuyigwiritsa ntchito kwanthawi yayitali.
Mutha kugwiritsa ntchito njira ina yofulumizitsira malo okhala ndi obwereketsa angapo - kuyambiranso ngongole kapena kuphatikiza.
M'malo mokongoletsa 2-3 m'mabanki osiyanasiyana, lembetsani ndalama ku banki yomwe imapereka zinthu zabwino kwambiri komanso chiwongola dzanja chochepa. Izi zidzakuthandizani kuti muchepetse ndalama zanu pamwezi. Mutha kulembetsa ngongole zoterezi ngakhale patsamba la banki, osachokamo.
Kodi banki ingaletse bwanji kubweza ngongole mwachangu?
Sizopindulitsa kwa wobwereketsa kubanki kuti obwereketsa amabweza ngongole zawo pasadakhale komanso kulipira chiwongola dzanja chochepa pakugwiritsa ntchito. Pofuna kupewa kubweza ngongole pasanapite nthawi, mabanki atha kuchita izi:
- Kugwiritsa ntchito kuchotseredwa kubweza koyambirira ndikuletsa kubweza ngongole zonse kwa miyezi ingapo yoyambirira, kapena kuletsa kubweza msanga, koma izi ndizoletsedwa ndi malamulo aku Russia apano.
- Zilango zamakomishini ndi chindapusa chobweza pang'ono kapena kubweza ngongole zonse ndichinthu choletsedwa chomwe chitha kutsutsidwa mosavuta kukhothi.
- Chepetsani ndalama zomwe zimalipiridwa kuti mubweze ngongoleyo, kuyiyika pamlingo, mwachitsanzo, ma ruble makumi masauzande, zomwe zingasokoneze zomwe wobwereka yemwe akufuna kuwonjezera pang'ono zolipira pamwezi kuti asunge chiwongola dzanja.
- Kulemba ndalama zobweza ngongole kuchokera ku akaunti yangongole yokha kuchuluka kwake komanso patsiku lomwe lafotokozedweratu. Ziribe kanthu momwe kasitomala amayesera kubweza ngongoleyo koyambirira, banki sangavomereze pasanathe tsiku linalake.
Ndizotheka kubweza ngongole mwachangu ndipo, mwachitsanzo, kulowa Chaka Chatsopano popanda ngongole, ngati mutagwiritsa ntchito imodzi mwanjira zomwe tatchulazi, mutagwiritsa ntchito kalembedwe kakale.