Ndi kubweza popanda chitsimikiziro ndalama zimene

M'zaka zaposachedwapa, ndi otchuka mitundu yonse ya ngongole. Zimenezi n'zosadabwitsa, chifukwa sizivuta ndi yosangalatsa kwambiri kuti kufunika, osati wofooka mu kudikira nthawi yaitali chifukwa cha kusowa ndalama, ndipo nthawi zambiri Kupereka kuzindikira maloto awo pachifukwa chomwechi.

Moyo ngongole wakhala ponseponse, ndipo sali kuopa lingaliro la kupeza kubwereka ndalama ku banki. Kuthetsa chotchinga mkati, koma ngati kupezeka ngongole akhala kuposa nthawi imene anali atangomaliza zinatchuka ake?

ndi zofunika mabanki ndi ntchito nthawi yaitali bwanji? Iwo sizinasinthe. Ena mwa iwo ndi chimodzimodzi zitupa (national pasipoti, etc.), komanso pepala, umboni wa ndalama wobwereka Mtsogolo: kalata ya ntchito, kumene kumasonyeza ndalama zonse antchito ndi kuchuluka kwa misonkho linaperekedwa kwa iwo. Ndi mbali chabe ya zofunika omaliza zikalata izi ndi amayambitsa mavuto aakulu kupeza ngongole. Chifukwa izi zikhoza kutheka. Ndi palibe chinsinsi kuti ambiri amalipidwa mu envulopu, amene sakhoza zimaonekera zofunika kwambiri thandizo kupeza ngongole ku banki. Komanso, ambiri magwero a ndalama, si anatsimikizira ndi zikalata. Kodi kukhala imeneyi?

Ngati inu mwadzidzidzi kugwera mu gulu ili, osadandaula, maloto anu angathe akwaniritsidwa. Mudzafika thandizo osati kale anaonekera pa gombe msika amapereka ngongole popanda yachinsinsi ndalama. ngongole limeneli likupezeka mabanki ambiri, izo linapereka zofuna zosiyanasiyana. Ngati zolinga zanu monga kugula nyumba, nyumba kapena katundu wina aliyense, kubweza ndi zotheka popanda yachinsinsi ndalama. Popanda kufunsa pa ndalama akalandire ndi ngongole magalimoto ndi ngongole ndalama. Sipadzakhala yekha, ndi ngongole. Popanda chitsimikiziro cha ndalama zilipo pafupifupi mitundu yonse ya ngongole.

Kumene, magombe sikuti wosalira n'zotheka kupeza ngongole popanda chitsimikizo aliyense kuti wobwereka amatha kulipira iwo. Loan popanda umboni ndalama, kupezeka makamaka makasitomala kupatsidwa zabwino ngongole mbiri. Komanso, mwachitsanzo, ndi kubweza popanda yachinsinsi ndalama n'kotheka, malinga makasitomala njira ina ndikhoza kutsimikizira kuli ndi solvency Mwachitsanzo, kupereka zikalata za umwini wa katundu aliyense mtengo, monga malo, kapena kusonyeza pamaso pa ndalama zambiri pa ake nkhani banki. Ndi malipiro chachikulu pansi, ngati amaperekedwa ndi mfundo za ngongole ndi, palinso mosavuta ayankhe abwino kugwiritsa ntchito kwa ngongole, kuphatikizapo ngati zazikulu ngati kubweza popanda yachinsinsi ndalama.

Ngongole popanda zikalata ndalama zambiri kukwera mitengo tariff, komanso wamfupi akuti, ndi chitsimikizo banki pa Mwina kutaya ndalama zawo. The kusowa mfundo ndalama mwa zikalata za kasitomala Kawirikawiri zimenezi zimaonekera mu ngongole mzere operekedwa ndi banki, monga ngongole.

Onse a malamulo, kumene, musati kuwonjezera ku mayiko mu ndondomeko chotenga kuti inu mukusowa ndalama, koma, ngakhale mavuto popereka zikalata ntchito, mumagwiritsa ntchito zosiyanasiyana ngongole, kuphatikizapo zanyumba popanda yachinsinsi ndalama.