Zomwe mungachite ngati kulibe ndalama zolipira ngongole ndipo pali kuchedwa kwa ngongole
Moni, ndili ndi funso kwa akatswiri a Maganizo a Moyo! Nanga bwanji ngati kulibe ndalama zolipira ngongole? Chifukwa cha zochitika pamoyo, kuyambira 2014, ndimayenera kutolera ngongole zambiri (katundu adaperekedwanso ngongole).
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Ndakhala ndikulipira kwa zaka zingapo, ndatsala ndi pafupifupi chaka kuti ndilipire, koma ndikusowa ndalama, pali kuchedwa, komanso, ndalama zanga zatsika kwambiri posachedwa. Ndikuganiza zopeza ntchito yachitatu, koma mwakuthupi sindingathe. Ndiuzeni, kodi pali njira zothetsera vutoli?
Ramil, wazaka 38, rep. Tatarstan
Masiku ano, nzika zambiri zimakhala ndi ngongole zingapo nthawi imodzi. Ngati zaka zingapo zapitazo, kukhala ndi ngongole zitatu kapena kupitilira apo kunali kosayenera, tsopano zakhala zachizolowezi. Wobwereka amatha kukhala ndi makhadi angapo, ndipo nthawi yomweyo amakonza katunduyo pangongole.
Izi nthawi zambiri zimabweretsa zotsatirapo zoyipa. Ambiri mwa obwereketsawa amagwera mumsampha wa ngongole. Pali mavuto kubanki, yomwe itha kugulitsa ngongoleyo kuntchito yosonkhanitsa, zomwe ziziwopseza kuyimba kwa wobwereka yekha ndi abale a wamangawa. Zotsatira zake, ziwonekere mavuto kuntchito, ndi anzanu ndipo achibale.
Tiyeni tione njira zina zothetsera vutoli.
1. Yesetsani kukambirana ndi banki
Ngati wobwereka ali ndi ngongole zambiri, ndiye kuti, monga lamulo, amaperekedwa kamodzi m'mabungwe angapo. Izi zithetsa vutoli, chifukwa muyenera kukambirana osati ndi banki imodzi, koma ndi zingapo nthawi imodzi. Zitenga nthawi yayitali, koma pamapeto pake mupeza njira yolondola yochokera ku banki.
Mabungwe angongole angakupatseni:
- Kubwezeretsanso ndalama. Banki pankhaniyi itha kupereka ngongole yobweza ngongole. Timalimbikitsa kuti tiwerenge zolemba zokhudzana ndi kubweza ngongole zanyumba komanso kuyambiranso ngongole yanyumba.
- Maholide pa ngongole... Tchuthi cha ngongole chimatanthauza kubweza ngongole, pakadali pano simungathe kulipira ngongole yonse. Ndikofunikanso kuganizira kuti kubweza ngongole kumakhala kokwanira komanso kopanda tsankho. Nthawi zambiri, mabanki amavomereza kubweza pang'ono ngongoleyo, zomwe zimatanthawuza kubweza chiwongola dzanja, ndipo ngongole yayikuluyo siyingalipidwe mpaka kumapeto kwa nthawi yomwe bankiyo idapereka. Izi zidzakuthandizani kuchepetsa mavuto anu azachuma pang'ono.
- Kukonzanso... Poterepa, banki idzawonjezera nthawi yobwezera ngongole, zomwe zimachepetsa kwambiri kuchuluka kwa zolipira pamwezi. Tinafotokoza kale zakusintha kwa ngongole m'nkhani ina.
Kodi mabanki nthawi zambiri amakumana ndi omwe amakhala nawo ngongole theka?
Kukumana ndi wamangawa theka kapena ayi ndi nkhani yabizinesi yabizinesi yangongole. Lamuloli silimapereka izi munjira iliyonse, ndipo silikakamiza iwo kuti athandize ngati wobwereketsayo ali ndi zovuta pakubweza. Koma bungwe loyendetsa ngongole limakhala ndi chidwi chobweza ngongolezo, chifukwa chake amapita kumsonkhano.
Ngati mukukumana ndi mavuto azachuma ndipo mungopita ku banki kukapempha thandizo, ndiye kuti bankiyo silingakumane theka.
Koma, ngati muwonetsa zovuta zanu Zolembedwa (wogwira ntchito ndi chisonyezo pakuchepetsa, tchuthi chodwala ndi ena), kenako banki iganiziranso pempho lanu.
2. Kulemba milandu kukhothi motsutsana ndi wamangawa
Ngati mwasiya kulipira ngongoleyo, ndiye kuti bankiyo ikakamizidwa kuti ipite kukhothi kukatenga ngongoleyo kwa inu. Koma, poyambirira adzatembenukira ku bungwe losonkhanitsa, lomwe nthawi yake itheka gulani ngongole yanu... Pokhala ndi ngongole zingapo nthawi imodzi, osonkhanitsa kuchokera kumabungwe onse obwereketsa adzakusokonezani, momwemonso inu Ndikofunika kusintha manambala konse ndipo sinthani malo okhala.
Banki iliyonse imagwira ntchito mosiyanasiyana. Wina adzaperekanso milandu pakapita nthawi, pomwe winayo apita kwa osonkhanitsa.
3. Khothi - yankho lavuto
Simuyenera kuopa bwalo lamilandu, chifukwa khothi lingakhale yankho lavuto lanu. Ngati muli ndi ngongole zambiri ndipo simungathe kubweza, ndiye ndibwino kuti mutenge mlanduwu ndipo dziwonetseni kuti ndinu olephera. Werengani za bankirapuse m'nkhaniyi.
Palibe nzeru kulipira banki pang'ono, chiwongola dzanja chikupitabe, ndipo zomwe zikuchitikirani sizingasinthe mwanjira iliyonse. Khothi, komabe, limakonda kuchotsa ngongole zambiri.
A Zotsatira zake, khothi likonza chiwongola dzanja china chomwe sichidzapitiliranso.
Mlanduwo utatha, mlanduwo upita kwa omwe amapereka ndalama, omwe nawonso, safuna komanso amakhala okhulupirika kwa wobwereketsa kuposa banki yomwe.
Wothandizira bailiff atha kukakamiza kuchotsera pamalipiro 50% peresenti, naponso alanda katundundipo landa maakaunti onse.
Mlandu wanu uyang'aniridwa ndi nyambo m'modzi, yemwe nawonso, akamadzapereka ndalama zina kubweza ngongoleyo, sangakusokonezeni ndi mafoni ake.
P.S. Muthanso kugwiritsa ntchito lamulo la bankirapuse la munthu wina. Werengani zambiri zamomwe njira za bankirapuse za anthu zimachitikira mu imodzi mwazolemba zathu.
Onaninso kanema wazomwe zingachitike ngati simulipira ngongole:
Maganizo a Life Life akuyembekeza kuti athe kuyankha funso lanu. Ngati muli ndi mafunso, afunseni mu ndemanga pansipa. Mpaka nthawi yotsatira pamasamba a magazini athu!