Mission zotheka: mmene ngongole ndi zoipa ngongole mbiri?

Kamodzi kusweka okha, n'zovuta zina kucheza ndi mabanki. Pamene pali kufunika kutenga ngongole ndi mbiri zoipa ngongole, khama adzayenda kwambiri kuposa pamaso pa zabwino sankakhala zinachitikira.

Kwa zaka zingapo, wotuluka onse ndi mabungwe ena azachuma nkhani mmodzi dziko Nawonso achichepere - pa amasinthira ngongole, choncho ngati ndinu wamangawa ndi kuteteza zosayembekezereka wa mwamsanga ngongole limodzi la mabanki mu dziko, n'zosavuta kuti athe kuphunzira mabungwe ena onse. Komabe, kupeza ndalama ndi zoipa ngongole mbiri akadali zotheka.

Pali njira zitatu zikuluzikulu n'kuyamba zinthu vuto:

• kupeza wokongoza amene sasamala za yapitayi, ndipo iye safunsa kwa ngongole file;
• kupeza wokongoza ngati amene amalolera kuti atseke maso awo ndi machimo anu;
• kutsimikizira wokongoza amaona kuti nthawi imeneyi inu siidzatha sadzakhala akuphwanya mawu a pangano ngongole.

wosakhudzidwa wokongoza

Chophweka njira kupeza njira pamene ngongole zanu mbiri sikuthandiza. Ngongole ndi zoipa ngongole mbiri apereke mabungwe ambiri microfinance, chifukwa iwo alibe ngongole wanu wakale zambiri mabungwe ena. obwereketsa zikuphatikizapo kampani "Home ndalama" kapena "MigKredit", "nano-Finance" kapena "Ndalama".

Inde, mtengo wa pobwereka kuchokera chidwi ndi zachuma zakale adzakhala kwambiri kuposa Pamene ntchito ku banki, koma pa chiopsezo chawo, iwo amafunsa moyenerera amalipiritsa zina. Mlingo wa totere yaying'ono-ngongole zilipo angafikire 1-2% patsiku.

kumvetsa wokongoza

Palinso okhulupirika kwa makampani banki, kupereka ngongole ndi zoipa ngongole mbiri, kwa amene amatanthauza mabanki "Tinkoff", "OTP", "Apeza", "Home Loan", "Kubadwa Kwatsopano Mawu" , "Russian Standard". Iwo onse kuvomereza kukhalako m'mbuyomu mavuto kupanda zazing'ono ndi udindo wa alipire. Komabe, ngati inu mlandu waukulu mu gawo la ndalama, ndipo chitseko zidzatsekedwa kwa inu. chiwongola dzanja pa ngongole ku mabanki awa akhoza upambana 30-50% pa annum, koma zambiri zovomerezeka.

aluntha wokongoza

A ngongole ndi zoipa ngongole mbiri angathe kumwedwa mu makonzedwe a ukutitsimikizira zina obwezeredwa banki. Pamene ntchito kwa ngongole ku banki aliyense, inu phukusi ake voluminous zolembedwa
ndi zikalata kutsimikizira mphamvu yanu panopa kulipira, ndipo lilinso pulogalamu - kubweza, chitsimikizo, inshuwalansi kapena njira zina kuteteza banki tisataye ndalama.

Poyerekeza ndi kuwatsimikizira banki kulembetsa a malo monga ina, ndiye kudzakhala kotheka kubwereka ndalama zambiri kwa nthawi yaitali ndipo pansi kuchuluka osachepera 15-20% pa chaka, ndi overpayment adzakhala kochepa chifukwa ngati ngongole. ngongole zochepa yabwino ndi chitsimikizo, koma kukopa kwa wachibale zosungunulira kapena bwenzi adzalola ntchito ndalama anabwereka pansi pa 20-25% pa annum, ngakhale inu sizipangitsa kubanki. Chinthu chachikulu - salakwa guarantor lapansi.

Choncho, mphamvu za ngongole ndi zoipa ngongole mbiri alipo, ndi kokha zimadalira inu momwe izo zikhale zopindulitsa kwa inu. Sankhani njira yabwino kwambiri ndi kutenga kuchuluka kwa ngongole.