Chifukwa chiyani mabanki amakana ngongole?
Palibe mabanki omwe adzawonetse zifukwa zakukana ngongole. Ogwira ntchito okhawo omwe ali ndi ngongole angabweretse chinsinsi ndikuthandizira kudziwa chifukwa chake mabanki amakana ngongole, ngakhale atakhala ndi mbiri yabwino ya ngongole. Ndikofunikira kudziwa zifukwa zazikulu zakukana kukongoza kuti timvetsetse ngati zingatheke kuti mutenge ngongole musanalankhule ndi banki.
Zifukwa zokanira kubanki kubanki
Kupanda solvency
Powerengera solvency ya wobwereka, mabanki amagwiritsa ntchito zidziwitso pamalipiro a kasitomala. Omwe amalandila malipiro awo ngati ma bonasi mu maimvulopu, ngakhale pakampani yayikulu, sangapeze ndalama zambiri. Mulingo wokwanira wa ndalama umaganiziridwa kuti ungakwaniritse zolipirira mwezi uliwonse pangongole yomwe wapempha, poganizira chiwongola dzanja, ndalama zolamula kuti aphedwe ndi alimony, ndipo kwa aliyense m'banja la wobwerekayo azikhala ndi ndalama zochepa.
Zolinga zina
Solvency imakhudzidwa ndi ngongole zina, chifukwa banki imaganizira zolipira zawo poyesa kukwanira kwa ndalama.
Kumbukirani, wobwereketsayo adzaganiziranso zomwe simukukhala wobwereka kapena wobwereketsa, komanso monga guarantor.
Kupezeka kwa malire pakhadi kumatha kukhalanso chifukwa chokana, ngakhale ngati khadi la ngongole silikugwiritsidwa ntchito, koma limangokhala ngati ndalama zosungika mwadzidzidzi ngati mungafune kukulitsa thanzi lanu kapena kupumula kunja.
Mbiri yoyipa ndi mbiri yoyipa ya ngongole
Atalandira ngongole ya wobwereka, banki iwona kuphwanya zomwe akuchita, zidziwitso zachinyengo kapena lingaliro la woweruza loti atolere ngongole - madandaulo a kulipidwa, kulipira ndalama, komanso kubweza ngongole kwa anthu amalingaliridwa. Kuchedwa kwakanthawi kamodzi, kovomerezedwa pazifukwa zaukadaulo, sikokayikitsa kukana kukana, koma ngati pakhala kuchedwa mobwerezabwereza, simuyenera kudikirira kuvomera pempholo, popeza banki iwona kuti ndi wobwereka osakwanira.
Zambiri zolondola pakugwiritsa ntchito
Ngati wobwereka, akuyembekeza kutsimikiziridwa kosakwanira kwa wobwereketsayo, awonetsa mu fomu yofunsira zambiri zomwe sizikugwirizana ndi zenizeni, ayesa kunama za kuchuluka kwa ndalama zake, kubisa zofunikira kubanki ina, kapena kungoiwala chilichonse kapena kungolakwitsa, banki itha nthawi yomweyo kutaya chidaliro ndikupanga chisankho cholakwika chotulutsa ngongole.
Zambiri zomwe zafunsidwa pamafunso, banki itha kufunsa kuti mutsimikizire zolemba, kuphatikiza kufunsa satifiketi ya ndalama kapena buku la ntchito.
Banki silingavomereze pempho la ngongole ngati itazindikira kusakhulupirika kwa wobwereketsayo, abale ake, omwe amapereka ngongole. Pali zifukwa zina zakukana zomwe sizidalira wobwereka:
- banki ilibe ndalama zaulere pakadali pano,
- kukana kupereka ngongole kwa amalonda,
- ziwerengero zakusabwezera ngongole kubanki ndi gulu lina la makasitomala - achinyamata azaka zosakwana zaka, ophunzira kapena ogwira ntchito m'malo operekera zakudya pagulu.
Ngati zonse zikuyenda bwino ndi mbiri ya ngongole ndipo zina zikukwaniritsa zofunikira kubanki, koma zikakanidwa, mutha kulumikizana ndi wobwereketsa wina, kapena kulembetsa ku banki yomweyo.
Momwe mungakulitsire mwayi wopeza ngongole
Palibe amene adzapereka chitsimikizo cha 100% chakuyankha kwabwino pempho la ngongole, koma ndizotheka kuwonjezera mwayi wovomerezedwa ndi ngongole. Ndizofunikira:
- Molondola komanso moona mtima momwe zingathere, lankhulani zambiri kwa amene angakubwerekeni.
- Dziwani bwino za mbiri yanu pobweza ngongole pofunsa ku ofesi ya ngongole.
- Perekani chitetezo chowonjezera pa ngongole yomwe mwapempha - chikole cha katundu wamadzi, chitsimikizo cha anthu odalirika komanso osungunula, kukopa kwa omwe amabwereka ndalama, inshuwaransi.
- Chitani zomwe munalandira kwa omwe amakongoletsani kwakanthawi, ndikupeza mbiri yakubwereka chikumbumtima.
Mutha kuchita zosiyana - kupita ku banki, komwe sikungosankha makasitomala, ndikupeza ndalama osayang'ana mbiri yanu ya ngongole, popanda ziphaso ndi ma guarantor, popanda chikole. Poterepa, konzekerani chiwongola dzanja chowonjezeka komanso ma komiti apamwamba okwereta ngongole.