Kodi kutenga ngongole ndi ochepa? Low ngongole

Anthu ambiri a m'mayiko a Azungu kwa nthawi yaitali ntchito moyo pangongole, ndipo mu Russia moyo ngongole kukhala bwino chaka. Kwa anthu ambiri kudziunjikira kuchuluka chofunika, makamaka lalikulu, ndi zovutitsa ntchito - zosavuta kubwereka. Pa nkhani imeneyi, funso mmene kupeza ogula ngongole pansi chidwi yaing'ono m'maganizo mwa anthu ambiri a m'dzikoli anzathu. Koyamba, si zovuta - kuphunzira maganizo a mabanki anasankha nambala yaing'ono komanso imatumiza zolembalemba lapansi. Ndipotu, mavuto ambiri zobisika m'magazini ino. Choncho tiyeni kumvetsa pamene kutenga ngongole kwa ochepa, osati tripping zopinga zooneka.

Ndani ayenera ngongole wotchipa

Choyamba ndi kudziwa cholinga chimene mukufuna ndalama. Mwachitsanzo, ngati mukufuna kutenga ngongole yaikulu ndi ochepa kuti kupeza chuma, ndi bwino bwinobwino maganizo pa ngongole kubweza - kenako kubetcherana laling'ono mokwanira, ndi alipire kwa nthawi yaikulu ya nthawi.

Ngati mwaganiza kugula galimoto, ndi bwino kusankha banki, ntchito pa pulogalamu ya gosavtokreditovaniya ŵakwenera, mu nkhani iyi, ena chidwi inu kulipira pa boma. Koma ngati mwaganiza kuyang'ana, komwe kupeza ngongole pa ochepa zolinga zina - kukonzetsa zina, kusintha kotheratu kwa zovala kapena kugula mtengo zipangizo banja, ndiye nkhaniyi ndi inu. Choyamba, tione maganizo mabanki 'ndi kusankha amene mungaganize yoyenerera. Ngati ndalama muyenera si mwamsanga - mukhoza kudikira kuti holide Mwachitsanzo, madzulo a Chaka Chatsopano, mabanki ambiri kupereka mitengo m'munsi chidwi ndi zosiyanasiyana mabonasi.

Kodi kuchepetsa chiwongola dzanja

Ngati kumene simukufuna kudikira, mungathe kuyesa kuchepetsa mlingo anapereka gombe. Mwachitsanzo, ngongole otsika chidwi akhoza zopezera kosamalira ndalama pamene inu muli yatsopano khadi malipiro. mabanki otchuka zambiri asintha makasitomala awo nthawi zonse.

Njira ina yochepetsera overpayment ndi kamangidwe ka ngongole pansi pa chikole cha zabwino kapena okhudzidwa chimodzi kapena guarantors angapo. Yesani ngati nkotheka kuti apereke ngongole akulimbana - mitengo pa iwo nthawi zonse m'munsi.

Choncho njira yabwino kuchepetsa overpayment ndi mpata wobwerera ndalama posachedwapa, kotero pamaso panu kulowa pangano ndi banki, funsani ngati mungathe ngongoleyo patsogolo ndandanda ndi imene zinthu.

Ngati mukufuna pang'ono kwa nthawi yochepa, kutenga ngongole - pafupifupi zonse ndi nthawi chisomo imene chidwi si mlandu konse. Nthawi zina amafika kwa miyezi iwiri, Chofunika kwambiri, kubweza ndalamazo pa nthawi yake.

Alembe abwino ngongole wotchipa

Pezani ngongole ndalama kwa ochepa, umamumvera zofunika zina n'zosavuta zokwanira. Nawa zofunika zochepa zimene idzatsogolera ku zabwino:

• Pangani ngongole kwa osachepera zotheka nthawi;
• kusonkhanitsa phukusi yonse zolembedwa;
• kupereka mmalo zikhudze ngongole;
• kupereka uthenga ku banki, natsimikiza mlingo wa luso lanu kulipira;
• kuphatikiza adzatumikira monga ntchito boma;
• kupereka banki madzi ina;
• penyani ngongole mbiri yanu - mwaukhondo kupanga malipiro ofunika;
• Yesani ntchito ndi banki yomweyo ngati n'zotheka - kukhala kasitomala zonse;
• Ngati inu kutenga ndalama pa chitukuko cha mlandu wake, onetsetsani kugonjera banki wabwino dongosolo ntchito ndi kubweretsa guarantors angapo.

Kodi ndingapeze mwayi abwino

Masiku ano, anthu ambiri kuphunzira nkhani Otomi, komwe kupeza ngongole pa ochepa, atembenukira ku misonkhano Internet. Inde, bwana pa intaneti ndalama zosaneneka, koma njira imeneyi ali ndi ubwino ndi kuipa. Zoyambazo n'chakuti, pafupifupi malo ali ngongole yake Chiwerengero, mungathe kuwerengera kuchuluka kwa overpayment, popanda kusiya kwanu. Komanso, inu mukhoza osati kuwerenga chipangano ngongole, komanso kusindikiza izi mogwirizana ndi loya. Choncho n'zotheka kuphunzira maganizo ambiri mabungwe ena azachuma, popanda kuwononga nthawi pa maulendo yaitali ndipo motsatana.

Komano, pa Intaneti, inu simungakhoze kufunsa banki za kuchotsera ndi kutaya mwayi wolankhula ndi munthu moyo. Nthawi zina anthu anapereka ku Bank, amadalira zinachitikira bwanayo munthu. Mwa njira, pali milandu kumene wantchito banki angakuuzeni njira ya ngongole imene mauthenga pa webusaiti banki panobe (mwachitsanzo, kukamba za adziwitse malonda ndawala).

Dodge mabanki

Tsopano tiyeni tikambirane zimene wopindulitsa nthawi zonse kuti ngongole otsika chidwi. Oddly zokwanira, koma mlingo yaing'ono chidwi ndi zimene zili malonda kuchita, zambiri zimachitika kukhala overpayment lowoneka.

Kodi tikambirana kusakumvekamveka chidwi? Taonani zitsanzo zingapo:

• 1% patsiku;
• 11% pamwezi;
• 10% nkhani pa + 0.8% kukonza;
• 16% (palibe malipiro).

Kuyang'ana manambala, inu mukhoza kuganiza kuti mlingo wotsikitsitsa - 1%, ndi apamwamba - 16%. Choncho kaya ndi mfundo, tiyeni kuwerenga:

gawo limodzi patsiku mu chaka adzakhala 365% pa annum. A zambiri, pomwe? Ndipo ngati mukufuna ngongole kwa zaka 2 kapena 3? Anaonedwa?

A chimake kuti: 11% 12 miyezi × = 132% pa annum. Kwambiri.

Kenako, tili 10 okha% pachaka - zikuwoneka kuti pang'ono, koma ngati ife kuwonjezera amalipiritsa kwa yokonza nkhani m'chaka cha 0,8% × miyezi 12 = 9.6%, chifukwa ife zosakwana 20%. Ndipo onse anayamba bwino ...

Tsopano tengani kwambiri pa mlingo koyamba 16%. Ngati pansi mgwirizano kwenikweni palibe mlandu chobisika kwa utumiki, zosiyanasiyana ntchito ndi zina zotero. E., zosinthika Izi kuchita adzakhala yotsika mtengo.

Kuti iyoyomwe kuchuluka otsika kanthu iye akutero. Kupeza mwayi kwambiri zaphindu, muyenera kudziwa ndi mosamala kuwerengera ndalama zonse adzagwa pa mapewa anu.

m'malo epilogue ndi

Pomaliza, Ndikufuna kuti ndingapeze banki, kumene kupeza ngongole pa ochepa sadzakhala kovuta, akhoza anafika nkhaniyi mozama. Kumbukirani, kapena bungwe lina ndalama sadzakhala ntchito pa imfa, ndipo ngongole kwa chiwongola dzanja yaing'ono sakutanthauza "ufulu." Choncho kufufuza "ubwino" ndi "kuipa", tiphunzire zambiri monga bwana zotheka. Ndipo ndinu wotsimikiza kuti mupeze chiwongola dzanja bwino, amene adzakhala "wodzichepetsa" ndi kwa inu.