Kukonzanso ngongole. Njira mwa mavuto

Pali zambiri mu moyo wa zochitika zosiyanasiyana zovuta zimene zimabweretsa kuwonongeka kwa ndinapeza ndalama. Izi zikhoza kukhala ntchito yatha, matenda, imfa ya yopezera ndalama. Ndipo ngakhale china chirichonse muyenera ngongoleyo, ndiye ndi nthawi yoti mupite ku banki ndi kukambirana ngongole kukonzanso. Malinga ndi maganizo a wobwereka ndi, njirayi imatengedwa zovuta kwambiri ndiponso malamulo. Komabe, siziri choncho. Nthawi zina ngongole kukonzanso kwa gombe ndi njira yabwino vuto ndi wobwereka kuposa pamtima ntchito yosonkhanitsa kapena bwalo. Makamaka, ngati wobwereka ali wabwino ngongole mbiri ndi kulipira ngongole yanu sataya.

ndi ngongole kukonzanso Kodi

Malinga ndi ogwira ntchito ku banki, otchedwa «kulimbitsa thupi chida" - mutu m'malo ovuta ubale chuma ndi masamu. Nthawi zina ngakhale anakumana osunga ndalama "kusambira" mu izo. Kukonzanso ngongole ya - izi ndi mwayi kuchepetsa katundu ngongole mu mawonekedwe a kuchepetsa kuchuluka kwa ndalama. Izi chimasintha zikhalidwe za ngongole mgwirizano, kumene mfundo za zokambirana kapena phindu limene kubanki ndi.

kukonzanso chiwembu

Pa nthawi, banki amagwiritsa zingapo zimene mungachite muyezo kusintha malipiro ndi ndemanga ya mgwirizano ngongole. Kuwonjezeka nthawi ngongole ndi imodzi mwa njira lililonse wa bungwe ngongole. Pankhaniyi, ulemerero kukonzanso n'zotheka anapereka yekha kuti nthawi malire sadzakhala upambana zotchulidwa mankhwala yogwira. Mwachitsanzo, ngati wobwereka ali ndi ngongole kwa ogulidwa magalimoto anaikira zaka 5, ndi pazipita analola mawu - zaka 7, n'zotheka kutambasuka kwa zaka 2 okha. M'njira zotsatirazi kuti magawowa malipiro akuchedwa ndi alipire ndalama za ngongole za thupi, kapena otchedwa "tchuthi ngongole". Aliyense banki Pankhaniyi ali pulogalamu yake, lomwe lili ndi zapakati pa miyezi 3 ndi sikisi. Pa mawu yaitali ukugwirizana mgwirizano ndi chikalata, ngati kasitomala amafuna kugulitsa katundu aliyense kapena kulandira ndalama za izo, zomwe zalembedwa. Koma Mulimonsemo, ngati thupi lili kupereka ngongole ndi, wobwereka ali kulipira chidwi nthawi zonse. Kukonzanso ngongole angathe kusintha mu alipire ndandanda. Kapena mu nkhani iyi ndi njira ophatikizana a alipire (pa pempho). njira sagwirizana nazo ya kukonzanso ngongole zingaphatikizepo kuchepetsa chiwongola dzanja ndi chiyembekezo chakuti la zilango. Pakuti onsewa, kubanki ndi monga paokhapaokha.

kukonzanso cha ngongole - ndi zinthu zina zaikidwa mgwirizano waukulu banki. Ndipo yolembedwa ndi onse mosamalitsa ndi mgwirizano wa umodzi wa onsewo. Komabe, kukonzanso kwa kumasuka Mulimonsemo sangakhale pambuyo kusaina mgwirizano. Ndipo pa mfundo imeneyi wobwereka ndi ngongole akuti ndi mabvuto. Ndithudi, palibe zosasangalatsa foni mafoni, apolisi sadzakhala pitani, koma Mulimonsemo, banki utumiki arrears kasamalidwe adzakhala "pensulo" wa kasitomala.