Ndi kutambasuka kwa gawo pa gombe chiyani? zopereka mawu rollover

Posachedwapa, nthawi imene munthu amene wabwera ku banki kwa gawo lako, anadabwa kumva ndodo bungwe chuma wake kutambasuka zodziwikiratu a gawo lapansi. Kodi izi ndipo zimatheka kusiya ndondomeko, mudzaphunzira ndi kuwerenga nkhaniyi.

Kodi akutanthauzanji prolongation ya dipo ndi kumene limatchula zikhalidwe

Ichi sichina ngati kutambasuka kwa pangano gawo anatsirizika. Monga ulamuliro, izo ikuchitika pa mawu lomwe lija gawo linatsegulidwa. Anthu amene amaganiza zimene kutambasuka chopereka Zilibe kuwawa kudziwa kuti ndi zodziwikiratu ndipo sanali basi. Mbali yoyamba, makasitomala amapulumutsa nthawi ulendo ku banki, koma akuthamanga mosavuta, chifukwa nthawi zina mabanki amangosankha kusintha mfundo za mgwirizano watsopano. Kotero musati mwachimbulimbuli kudalira chikumbumtima ndodo, ndipo ndi bwino kupita ndi renegotiate pangano. Ngati chachiwiri, kasitomala ayenera kubwera ku banki ndi kulemba pangano zapadera za pangano lakale kapena adzathe kulembetsa wina watsopano masiku ochepa kuti tsiku lotha wa pangano gawo.

Monga ulamuliro, mawu a prolongation cha chopereka zotchulidwa monga item osiyana mgwirizanowo makamu, ndi kapangidwe zomwe depositor ayenera kudziŵitsa zokhuza kuthekera basi watsopano. Komanso, ogwira ntchito ayenera poyamba kukambirana ndi kasitomala mavuto akhoza imakula.

Pa kodi zinthu mgwirizano kutambasuka

Amene akufuna kukhala chete chifukwa chitetezo cha gawo lanu, muyenera osati mukudziwa chimene chiri zopereka rollover, koma zosachepera lingaliro akhakula mavuto iwo anachita.

Choyamba, muyenera khutu ku watsopano mawu a mgwirizanowo latsopano. Sitiyenera upambana zimene pangano choyambirira yosainidwa. Ndipo watsopano akuti iyamba pa tsiku kwa deti la lotha wa gawo lakale mgwirizano.

chiwerengero cha renewals akhale malire kapena zochepa. Mbali yoyamba gawo angandisindikizirenso mpaka ndiye, mpaka kasitomala aganiza kuti mupewe ndalama. Ngati chachiwiri chiwerengero cha renewals zotheka Kwalamulidwa monga item osiyana. Komanso, gawo ndalama pambuyo akamaliza nambala inayake renewals ali basi kunditumiza ku nkhani ya akumufuna. Antchito a banki, amene si yeniyeni ukugwirizana mgwirizano adzakhala kukhala ndi udindo kukumbutsa makasitomala pasadakhale kuyandikira kwa mapeto a gawo yaitali.

Ndingatani kuletsa mgwirizano watsopano

makasitomala ambiri, mwangwiro chikuimira chiyani kutambasuka kwa gawo mu banki, ndikudabwa ngati ali ndi ufulu wokana utumiki uwu. M'malamulo panopa, ndi Investor ali ndi ufulu kutsirizitsa pa prolongation nthawi iliyonse. Pofuna kuchita izi, zokwanira amangobwera ku banki ndi kulemba ntchito wokwanira kutsirizitsa pangano gawo. Komabe, musanasankhe zoti abatizidwe, muyenera kuganizira mofatsa zonse. Inde, mu nkhani ya kutseka gawo isanafike deti limene amaliza wa zonse mawu a pangano chidwi adzakhala masamu malinga chiwembu ndi zofanana kwa amene wapatsidwa pa gawo "pa kufunika". M'mawu ena, kasitomala adzalandira zosakwana 1% pa annum. Ngati gawo la zidzatsekedwa pa lotha wa nthawi yotsatira, chiwerengero adzalandiridwa mu zonse.

Kodi kusintha zinthu kusungiramo chopereka

Amene akufunitsitsa kumvetsa zimene kutambasuka kwa gawo la, tiyenera kumvetsetsa kuti kusakhazikika kwa zinthu ziliri msika zambiri amakakamiza mabanki kupita kusintha mitengo pa madipoziti. Ngakhale kuti mwina zingakhale zothandiza kwa makasitomala, maofesi chithandizo adzafufuza mwachindunji kudziŵitsa depositors za kusintha. Zikafika poipa, iwo akhoza kutumiza imelo. Koma si zoona kuti depositor konse muuzindikire Uthenga ndi kuwerenga izo. Choncho, anthu amene ali ndi foni Ufumuyo gawo, kodi wodwala nthawi chidwi m'chigawo cha nkhani zawo.

Kodi chimachitika n'chiyani ngati Investor sangathe kubwera ku banki

Makasitomala, kumvetsa, kuti kutambasuka zoterozo gawo la, Tiyenera kuzindikira kuti pansi kasamalidwe mgwirizano nkhani ya banki sangathe zopatsidwa kwa munthu wina. Ngati chifukwa ena moyo zochitika Investor sangapite banki m'njira yake kuwonjezera kapena kutsirizitsa mgwirizanowo, iye ayenera patsogolo kulemba ulamuliro kwa munthu kwa anthu kumuyandikira. Izi zikhoza kuchitika mu ofesi odziwitsa kapena ku banki.

Kodi chimachitika n'chiyani ngati Investor satenga ndalama

Anthu ambiri masiku ano bwino kuti ukugwirizana izi kwa gawo lapansi. Mu ndalama Bank amangoona kuti amapereka basi watsopano wa madipoziti akuti zinachitikira kulowa mu mphamvu ya zitani zosayembekezereka, zotchulidwa mu lamulo. Koma kunena zoona, onsewa ayenera kuwaganizira payokha. Mwa zinthu izi kuyenera monga:

• Pakagwa masoka achilengedwe
• zinthu zokhudzana ndi moyo wa anthu (nkhondo, miliri kunyanyala, kusintha, ndi zina zotero);
• oletsa ndi akuluakulu onse.

Kaya banki afunika kupereka kasitomala pangano latsopano ndi kutambasuka basi wa gawo la

Nthawi zina moyo salola munthu kudziwa bwino zimene kutambasuka kwa chopereka, mu nthawi ndalama zawo. Nthawi zambiri ndiye nthambi Ngopambana anakana kasitomala buku la pangano latsopano, kutchula chakuti utumiki uwu sasamalira kutambasuka zodziwikiratu a gawo lapansi. Kodi yovomerezeka ndi malongosoledwe ndi kuti padzakhala chopereka ngati banki mwadzidzidzi amapita zinatha? maloya ambiri utatha makasitomala awa, anawatsimikizira kuti palibe kalipokalipo. Malinga ndi iwo, mgwirizano wakale, amene amathandiza kuti n'kutheka kuti basi watsopano, ayenera sizinatchulidwe osati tsiku kuchotsa gawo, komanso tsiku limene chiwongola dzanja koyamba chomveka.

Kumene, pali nthawi banki chimasintha mlingo panopa unilaterally. Kuti asasokonezeke zotheka za izi, maloya odziwa amalangiza kuti ndalama kwenikweni amafuna banki kuti anawapatsa kalata, kalata kapena mabuku ena nkhani, imene deta latsopano idzaonetsedwa.

Mu nkhani ya bankirapuse wa bungwe ndalama pamaso pa gawo akhoza kukhala ndi umboni ndi kupereka mgwirizano lonjezolo banki pa nthawi ya gawo. Monga chitsimikizo chakuti ndalama likukula kunditumiza ku nkhani, mungagwiritse ntchito ndi passbook kapena chikalata zina zotchulidwa mawonekedwe.