Kubwezeretsanso ndalama ndikukonzanso: ndi zosiyana motani ndipo zimakhazikika motani?
Osati kusokonezeka kukonzansokuchokera Kubwezeretsanso ngongole... Izi ndi zinthu ziwiri zosiyana zokhudzana ndi kubweza ngongole kwa wobwereka. Ngakhale amafanana, palibe kufanana pakati pawo. Ntchito iliyonse yazachuma imakhala ndi zolinga zake. Nthawi zomwe zimakhudzana ndi kusiyana pakati pa njirazi ziyenera kulingaliridwa mwatsatanetsatane.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
1. Kodi pali kusiyana kotani pakati pa kukonzanso ndalama ndikukonzanso
Pokonzanso, wobwereketsa amasintha zomwe agwirizana. Kuti mulandire ntchitoyi, muyenera kulumikizana ndi banki kapena MFI komwe ngongole idaperekedwa. Tidalemba za kukonzanso ngongole zomwe zili m'nkhaniyi.
Njira zoyendetsera ndalama zimaperekedwa ndi kampani ina yamalonda. Ichi ndi ngongole yosavuta yomwe imaphatikiza ngongole zingapo. Cholinga ndikubweza ngongole yomwe idalipo, koma pazabwino kwa kasitomala. Kuti mumve zambiri zakubwezeretsanso ngongole, onani nkhaniyo kulumikizana.
Njira zonsezi zimathandizira munthawi zosiyanasiyana. Kubwezeretsanso ndalama kumatha kuwonedwa ngati chida chowonjezera pakubweza ngongole. Kulipira kwathunthu kumatha kuchepa kapena ngongole ingachepe pochepetsa kukula kwa zolipiritsa pamwezi.
2. Kodi kubwezeretsanso ndalama kumagwiritsidwa ntchito liti
Mabanki atabweretsa chida ichi kumsika wamalonda, cholinga choyambirira chinali kukopa obwereketsa odalirika, kuwapatsa mwayi wabwino pokwaniritsa ngongole zawo. Malingaliro amenewa adawonetsa kuthekera kochepetsa chiwongola dzanja. Nthawi yomweyo, zachidziwikire, kubweza kwathunthu ngongole kubweza.
Kuphatikiza apo, nthawi ya mgwirizano wamalipiro idakulitsidwa. Pangano latsopano la ngongole lidachitidwa pa Zaka 5-7... Zotsatira zake, wamangawa adalandira maubwino awiri (awiri) nthawi imodzi.
Yakovleva Galina
Katswiri wa zachuma.
Ntchito yofunsanso ndalama ikawunikiridwa, wobwereketsayo amalingalira za zomwe kasitomala amayenera kuchita kuti athe kubweza ngongole yake. Potero, amafanizidwa ndi ndalama zake.
Ngati ndalama zimapitilira 50% ya ndalama, ndiye kuti kutenga ngongole ndizovuta. Ngati ngongole ikukula, ndiye kuti, kukula kwa zolipira pamwezi kumatsika.
Koma izi ndizotheka pokhapokha ngati ndalama za wobwereketsazo zatsika pang'ono. Ngati wobwereka ataya ndalama zonse kapena zochuluka, ndiye kuti kubwezeretsanso ndalama sikungathetse vutoli.
Ngati wobwereka ali ndi zankhanza, palibe banki yomwe ingaperekenso ndalama zandalama. Ngongole yokhala ndi mwayi waukulu imatha kuperekedwa ndi MFI. Koma mabungwewa alinso ndi malire. Kuchedwa sikuyenera kupitirira masiku 30.
3. Kukonzanso kumagwiritsidwa ntchito liti
Chida choterocho chimasinthasintha. Ntchitoyi itha kugwiritsidwa ntchito motere:
- Maholide a ngongole. Wobwereka amapatsidwa ufulu kuphonya kamodzi kapena kangapo pamwezi.
- Chiwongola dzanja chikuchepa.
- Kukula kwa zolipira pamwezi kumachepetsedwa pakuwonjezera nthawi yobweza.
- Mtundu wa zolipira ukusintha. Annuity imalowetsedwa m'malo ndi malipiro osiyanasiyana.
- Malipiro oyenera amaperekedwa mpaka tsiku lina.
Pogwiritsa ntchito kukonzanso, mutha kusintha ngongole iliyonse yomwe mungakhale nayo. Ngati wobwerekayo watayikiratu ndalama zake chifukwa chothamangitsidwa, atha kufunsa wobwereketsayo tchuthi. Panthawiyi, amatha kupeza ntchito ina. Poterepa, wobwereka salandira kuchedwa.
Ngongole imatha kuchepetsedwa ngakhale ngati osintha ngongole asasinthe. Mwachitsanzo, munthawi imeneyi pamalipiro ena kubanki pamalipiro adatsika. Wobwereketsa amathanso kuwachepetsa kwa wobwereka omwe alipo. Koma izi ndizofala pangongole yanyumba, popeza imakhala ndi ngongole yayitali. Munthawi imeneyi, zambiri zimatha kusintha.
4. Momwe kubwezeretsedwanso ndalama ndikukonzanso zimayendetsedwa
Kulembetsa ntchito zoterezi kumakhala chimodzimodzi ndi ngongole yanthawi zonse. Ndikofunikanso kupanga fomu yofunsira, kukonzekera zikalata zofunikira, kutumiza fomu yofunsira ndikudikirira kuti iganiziridwe.
Ngongoleyo, ikavomerezedwa, idzakonzedwanso ndi wobwereketsa yemweyo. Ntchito yothandiziranso ndalama idzaperekedwa ndi bungwe lazachuma lazipani zina.
Mwa njira, mutha kuwona momwe kusintha kwa ngongole kuli muvidiyo ili pansipa: