Kuonongeka ngongole mbiri - chilango ndi zotheka

Chabwino, ine ndingakhoze bwanji kufika ngongole? Palibe banki ndi wokonzeka apereke ngongole ngati asokoneza mbiri ngongole? Kodi amazunza nokha ndi wosatha mafunso losafuna wobwereka. Ayi, kuti ngongole ndi zoipa ngongole mbiri zotheka. Koma kuwerenga pa ngongole ndi mlingo wochepa chidwi Sikuti.

sluagh zambiri kuti wobwereka amapita ambiri a mabanki pofuna kupeza ngongole ndi zoipa ngongole mbiri ndipo amalandira zolephera zonse.

Mukamakambirana ofunsira ngongole, banki kapena MFI, kodi akufuna kukayendera amene apereke ngongole, ndi zambiri akhoza ndalama zawo. Chifukwa chaichi, banki anafunsa wobwereka deta yake chizindikiritso, atumiza kwa amasinthira, kuti amadziwa chiopsezo kusakhulupirika ngongole mu munthu weniweni. The ngongole mbiri ya munthu, zimene kusungidwa pa ngongole kale inakhazikitsa, kupanda, kapena nkhani ngongole mfundo kufala mu kollektrskoe bungwe. Kumene, ngati munthu ngongole mbiri lawonongeka chifukwa malangizo ake otsika ndalama, pali Mwina kwambiri kulephera.

Koma zifukwa zomwe wobwereka wasiyidwa ndi ngongole mbiri kuonongeka kungakhale kwambiri, ndi matenda, ndi kuchotsedwa kapena banja zochitika. Komanso mabanki, monga ulamuliro, kupita kwa borrowers amene amakumana zosakhalitsa mavuto a zachuma, ndi kupereka deferral kapena otchedwa mosavuta tchuthi ngongole. The Bank angalole mbali pa malipiro lotsatira ngati wobwereka amapita ku banki pasadakhale. Pa nkhani ya maholide, banki sadzakhala amawononga zili mbiri ngongole, ndi iwo adzakhala oyera.

Koma, mwatsoka, borrowers ambiri sadziwa zimene mungachite izi, malinga ndi banki. Ndipo wobwereka si kudziwitsa banki za mavuto kwa kanthawi, analandira chifukwa cha mbiri zowonongeka ngongole.

Malinga ndi Chilamulo pa Mawu Histories, mutu wa mbiri ngongole angagwiritse ngongole mbiri zowonongeka. Kuchita izi, inu muyenera kulemba kalata amasinthira, kusonyeza zomwe mu nkhani si zoona, ndipo zaikidwa ntchito kutsimikizira mfundo imeneyi.

Pambuyo kuyezetsa, ndi amasinthira anakanena kalata wodandaulayu za zotsatira za kuyendera ndi kusintha zoyenerana ndi ngongole mbiri kale kuonongeka.

Komabe, ngati, zolembedwa zopezeka mu mbiri ngongole, mabodza, ndi kuti wodandaulayu analephera kupereka substantiation, ndi amasinthira sangathenso kuyankha mawu a gulu la.

Pankhaniyi, kukonza zoipa ngongole mbiri likhoza kukonza maganizo ake ndi ngongole ndalama. Nkhani ya ngongole mbiri kuonongeka ngakhale kutenga zinthu wosaoneka wa ogula ngongole, kulipira popanda kupanda ndipo potero kulenga mbiri latsopano mu mbiri yake, kuwonjezeka Choncho ngongole zake mlingo.