Kodi pali mabanki omwe samawona mbiri ya ngongole?
Momwe mungapezere banki yomwe siyiyang'ana mbiri ya mbiri yanu yobweza ngongole yomwe ingabweretse ngongole ngati mwaphwanya kale ngongole?
Mabanki sawunika mbiri ya ngongole pokhapokha ngati mukufuna
Palibe banki yomwe imayang'ana mbiri ya mbiri ya ngongole popanda chilolezo cha wobwereka. Pali gawo lapadera pakufunsira ngongole, lomwe linganene kuti banki ili ndi ufulu wowunika fayilo ya ngongole, kapena kufunsa wofunafuna kuti awone. Popanda lamulo lotere, wobwereketsa alibe ufulu wofunsa zambiri ku Credit Bureau.
Ngati simukufuna kuti banki ikumbukire zakale, mutha kukana mwa kuyika yankho kuti "ayi" pafunso loti: "kodi mungakonde kufunsa mbiri yakubwereketsa ngongole," kapena lembani pamanja kuti simuloleza izi kutsimikizira kuti ndinu ndani. Kukana kulemba polemba mbiri yakubwereka sikungatsimikizire kuti bankiyo siziwunika ubale wanu ndi mabanki ena kudzera munjira zawo, ndikupereka cheke kwa achitetezo.
Nthawi zambiri, machitidwe otere amawopseza kukana kupereka ngongole, popeza banki imaganiza kuti muli ndi chobisa, ndipo mbiri yanu ngati wobwereka siyabwino konse.
Ndi banki iti yomwe muyenera kuyikapo ndi mbiri yoyipa ya ngongole?
Kuti muwonjezere mwayi wopeza ngongole, muyenera kusankha banki yomwe ilibe chidwi ndi zovuta zam'mbuyomu ndi obwereketsa.
Osakhulupirika kwambiri ndi mabungwe omwe amapereka ngongole zachangu m'maola ochepa. Mtengo wa ngongole zotere ndiwokwera kwambiri kuposa pazogulitsa zomwe zingachitike pokhapokha ngati chigamulocho chitengera chidziwitso chathunthu chazomwe angabwereke. Ngongole zachangu zitha kupezeka pamtengo wotsika ngati mungatolere zikalata zathunthu pasadakhale ndikupereka satifiketi ya ndalama ndi buku la ntchito. Izi zithandizira banki kuphunzira zambiri za solvency ndikuchepetsa chiopsezo, zomwe zingathandize panjira yobwereketsa.
Palinso njira ina yochepetsera zoopsa ndikuwonjezera mwayi woti musayang'ane mbiri yanu yangongole. Kuti muchite izi, muyenera kulumikizana ndi banki komwe mumalandila ndalama ngati wapolisi kapena wofukula zakale. Mwachitsanzo, Sberbank idzawunika mbiri yolumikizana nayo mukamachita nawo ntchito yolipiritsa ndipo ingaganizire zofunsira mu mphindi zochepa. Chifukwa chake, sitikulankhula za kutsimikizika kulikonse kwa mbiriyakale ndi pempho ku BKI.
Njira yothetsera mavuto azachuma mwina ndikulumikizana ndi bank yomwe imapereka ma kirediti kadi. Malire a kirediti kakhadi amakhala ochepa, koma ngati mumagwiritsa ntchito khadi nthawi zonse ndikulipira ngongoleyo munthawi yake, mutha kufunsa kuti muwonjezere malire.
Monga lamulo, pambuyo pa miyezi 3-6 yogwiritsira ntchito khadi, malirewo amatha kuwonjezeka kuchokera pa masauzande angapo mpaka ma ruble zikwi 100 kapena kupitilira apo.
Kubwereketsa makhadi mwanzeru kumakupatsani mwayi wopeza ngongole zomwe mwalandira kwa zaka 1-3 ndipo simuyenera kuyitananso ku banki. Kugwiritsa ntchito nthawi yachisomo kukulolani kuti musunge ndalama zolipira chiwongola dzanja.
Kodi ndiyenera kuyankhula za mbiri yoyipa ya ngongole?
Ngati simukufuna kugwiritsa ntchito ndalama zomwe munabwereka ndi chiwongola dzanja chowonjezeka, lemberani ku banki yomwe imapereka ngongole zabwino, koma onetsetsani kuti mwayang'ana mbiri yanu yobweza ngongole.
Malangizo othandiza. Ngati kale m'mbuyomu panali zovuta pakubweza ngongole kumabungwe angongole, onetsani moona mtima izi pamafunso amafunso kapena pokambirana ndi munthu wobwereketsa ndalama ndikufotokozerani zifukwa zomwe zaphwanya mfundo za mgwirizano. Izi zingakhudze kuvomerezedwa kwa pempholi, koma zikuwonjezera chidaliro cha banki mwa inu ngati wobwereka.
Chitsimikizo chofunikira chaumboniwu chidzakhala umboni wazolemba pazifukwa zakuchedwetsako, mwachitsanzo, zolemba mu kalata yantchito yothamangitsidwa, tchuthi chakudwala, satifiketi yakusudzulana, satifiketi yoti sananene chilichonse kuchokera kwa yemwe adakongoza kale mpaka pano.
Onetsani kuti mavuto omwe akuchedwetsani atha, komanso kuti mwapeza kale ntchito yatsopano, yolipira, kapena yopulumuka mavuto am'banja. Pomwe vuto la kulowa kolakwika mu ngongole ya ngongole lili ndi banki yokha kapena kuchedwa kunachitika pazifukwa zamaluso, mutha kupeza chitsimikiziro cholembedwa kuchokera kwa omwe adakubwerekani kale.