Chindapusa mathandizidwe Loan, kapena mmene ndalama zimene thamo

Mawu - ichi ndi bwino zikuluzikulu za moyo wamasiku ano. Iwo akupereka kulikonse: ku mabanki, masitolo, boutiques, Makampani. yomanga ndi kumalizitsa aliyense katundu, zovala zapamwamba, zipangizo banja, ma TV, makompyuta, mipando, galimoto ndi nyumba - zonse izi ndi zina zambiri mosavuta kutheka "ngongole." Mungathe, ndithudi, kupsyinjika ndi kupulumutsa ndalama chofunika, koma woyandikana ali uwu, koma sakhala kuposa inu, ndipo tchera iye chimodzimodzi.

Kuuza amalenga okwanira. mapulogalamu Mawu a mabanki zosiyanasiyana, ndi mndandanda ikukula chaka chilichonse. Kusochera mu zosiyanasiyana n'zosavuta kudziwa ubwino ngongole ku banki yomweyo, ndipo kumasiyana ndi ntchito zina zovuta.

Tiyeni tiyambe ndi choona kuti banki - bungwe malonda, amene waukulu cholinga - phindu. Zingatanthauze kuti chidwi pachaka pa ngongole ya - phindu okwanira kuti banki amalandira wobwereka lapansi. Koma si onse mophweka. Aliyense banki ngongole iliyonse limodzi ndi mabungwe omwe sanatenge makamaka "lengezani". Kupezeka kwa ena kasitomala awa akudziwa kale anasaina mgwirizano ngongole kapena kulipira malipiro oyamba, ena anadziwiratu (mwachitsanzo, ngongole amalipiritsa utumiki), ngakhale sakumvetsa cholinga awo.

Chotero kodi bungwe akhoza alembedwa mu mgwirizano ngongole kwa ang'ono ndi lalikulu wosasintha? Zotsatirazi komishoni: Commission kwa issuance wa ngongole, ndi zingati kuti ntchito ngongole kwa amalipiritsa utumiki ngongole, kutsegula amalipiritsa ndi nkhani ya ngongole, kwa oyambirira milandu extinguishment etc. Mabungwe sizovuta maina owerengeka, ndi zoti nawuza ambiri a iwo mu 2009, anazindikira mwa boma oletsedwa. Banks anavomera ndipo ... anasintha dzina la Commission.

Isanafike kulandira ngongole ngongole manenjala wa banki aliyense ayenera kudziŵitsa makasitomala ndi mlingo ogwira chidwi. mlingo Izi zikuphatikizapo onse chidwi ndi banki milandu. Udindo waukulu - thupi la ngongole, ndicho, kuchuluka kuti kasitomala zimatengera pa gombe. chiwongola dzanja pachaka - mwezi chidwi ngongole ya. Loan chindapusa mathandizidwe ndi milandu ina banki - ndi kuwonjezera phindu banki a likuvutika overpayments kovuta explainable. Ngati ntchito atengedwa kamodzi kokha pamene kulandira ngongole, izo si kuonjezera chiwerengero ngongole. Chinthu china, ngati ntchito ndi kuchuluka enieni kuchuluka zonse ngongole, ndi kulipira pa mwezi, ndiye overpayment ngongole adzakhala ndalama wodalirika kwambiri.

Amalipiritsa cha ngongoleyo utumiki - mmodzi wa zambiri mlandu chindapusa mabanki. dzina ikhoza ena kusintha, akhoza ndalama zonse za ngongole kapena zotsalira kukhala mwezi kapena nthawi. Lamulo limeneli akhoza anatembenuka pa onse Commission yapita, kuyambira mabungwe onse amatchedwa "Utumiki ngongole." Zilango kuti kutenga mabanki kwa malipiro mochedwa kapena tsankho ikutha wa mwezi kuchuluka ngongole N'kutheka kuti afotokoze kuchepa bankka ngozi. Fotokozani zolipira zina ndi kovuta kwambiri, mwinanso kosatheka.

Popeza 2009, magombe akhoza kulipitsidwa ngati mlandu zolipira pa borrowers, ambiri mabanki lalikulu pafupifupi mabungwe onse zimafika. Tsopano "inasanduka yapamwamba" inshuwalansi moyo ngongole, zomwe zikuoneka kuti yaufulu, koma mwanjira ndithu. Koma kukana wa banki inshuwalansi zambiri kumawonjezera chiwongola dzanja. Osati kutchula kuvomerezedwa galimoto inshuwalansi kapena anagula nyumba. inshuwalansi moyo sangathe kupereka kamodzi kwa lonse ngongole akuti ndi kupeza obwezeredwa zonse, kapena mukhoza kulipira pachaka, pa muyezo wa ngongole yaikulu.

Poti chachilengedwe: ziribe kanthu momwe anavutika ndi mabungwe a mabanki, iwo m'njira wina kalekale, pansi maina osiyana ndi mosiyanasiyana, chifukwa mayesero kupeza phindu zosavuta ndi lalitali kwambiri.