Kodi mgwirizano ayenera anasaina pamene kulandira ngongole galimoto

muno naivety ndi mosavuta ngongole galimoto, komanso njira iliyonse kupeza ndalama "ufulu ola" nthawi zina zodabwitsa. Kulemera mabanki ndi mabungwe ngongole amapereka ngongole pokhapokha kusainira mgwirizanowo. Mu mau, ndi ndalama ngongole kwa kukwaniritsidwa kwa kufunitsitsa Chioneke motero: ndife inu - ndalama, ndi inu ndi ife - ndalama, ndalama zathu, kuchuluka wathu wa ndalama zimene ntchito ndi ndalama zambiri kwa ife chakuti kutipatsa kupereka ndalama zawo. A pang'ono zachilendo, koma maonekedwe akukhudzidwira ndi lonse galimoto ngongole alipire chiwembu. Car Loan - choyimira cha ngongole ya ndalama, makamaka ochokera ku bungwe ngongole kwa ogulidwa galimoto ntchito. Kuti, kugula njinga yamoto, basi kapena magalimoto - ndi galimoto ngongole. The peculiarity a mtundu umenewu ngongole ndi kuti pasipoti galimoto akhala ndi wobwereka lapansi. Title ayenera kunditumiza ku banki mu nthawi imene inafotokozedwa mu mgwirizano, ndipo ngati izi sizichitika, izo woyikidwa ndalama. Amachititsa Mfundo yoyamba sitingakane - kuyamba mbiri ngongole ndi mbali zoipa, ndipo sakhulupirira banki wodzikweza. Ngati iwowo chikuchitika mu Chipinda Cowonetsera, kumene ali oimira banki kuti anaperekeranji ngongole ya galimoto, mavuto ndi kulanda zikalata Kodi osadzuka. kutenga galimoto ngongole ndalama kapena ngongole galimoto popanda malipiro n'zosatheka. Imeneyi ndi malonda yomwe ogulitsa malonda.

banki woimira ofesi mu Chipinda Cowonetsera amatenga pa ntchito zotsatirazi - chisanadze ovomerezeka ntchito kugoletsa - Kafukufuku creditworthiness wa wobwereka ndi, kusaina ngongole ya ndalama, pokonza zikalata ndi kusamutsa iwo ku banki.

Kugoletsa - ichi ndi mfundo yofunika kwambiri pa nkhani banki wobwereka ndi mphambu Mzimuyo mmene ndikhoza kulipira zochokera ndalama. Kunena zoona anamaliza zikalata akhoza kulitsimikizira katswiri koma amafuna kutsimikizira.

Ngati akuluakulu a banki ali mu chipinda chomwecho ndi ogulitsira magalimoto, ndiye malo kugula ndi kugulitsa pangano yolembedwa ndi galimoto ndi katswiri ngongole. Makasitomala zambiri anataya galimoto ndipo amakhulupirira kuti m'pofunika kulemba pangano. Ndipotu zimenezi ndi awiri - mgwirizano wina ndi malo ogulitsira a malonda ndi malipiro a zopereka kuti poyamba ndi pangano kuti apatse kwa wina kuchuluka kwa ngongole lonjezolo banki. Nthawi zambiri, gombe akhoza kusintha kuchuluka kwa ngongole ndi, anafuna kugula galimoto mu malangizo a momwe ndichepe monga kuwonjezeka. Tsimikizani ku kugula galimoto ndi lonse la bwino kale mu Chipinda Cowonetsera lapansi. Pali Angagwiritsidwenso chinachititsa kukhazikitsa zida zina - paki mtunda kulamulira, navigation, mpweya. izo zambiri m'gulu la ndalama za ngongole galimoto. mafunso onse okhudzana kulembetsa ngongole galimoto akhoza kutchulidwa ngongole dipatimenti Chipinda Cowonetsera kapena ku banki.

Tanya Steinberg, katswiri wa