Okhometsa akufuna kuchita zimenezo? Kodi wokhometsa ufulu zingasokoneze?

Chuma kunena kuti ngongole - ndi injini ya vuto la zachuma. Komabe, mfundo zimenezi n'zoona kokha pamene zinthu wamakhalidwe ngongole ndi ntchito yabwino udindo wawo mwa magulu onse nawo mbali.

Ngati zinthu izi ndisanakumane, ndiye mavuto ayamba, amene pa nthawi yake wakhala akumenya mwamphamvu ndi ndalama umoyo wa maiko ambiri ndi chuma cha padziko lonse wonse.

Pamene banki anayamba chonena pa ngongole, munthu wa nthawi sizikutetezedwa pamaso makina ndalama. M'nkhaniyi tiona momwe zinthu pamene okhometsa alonjezedwa, choti achite ndi kumene kupita thandizo.

N'chifukwa chiyani vuto?

Anthu kutenga ngongole makamaka pa zifukwa - palibe njira kulipira ndalama zonse mwakamodzi kugula chinthu zofunikira. Posankha ngongole borrowers kusankha nthawi imene mlingo wa malipirowo mwezi adzakhala otsika zokwanira insignificantly bwanji bajeti.

Komabe, patangotha wam'bwebwe amadziwa chimene akuyembekezera aliyense wa ife kubwera. Ndipo nthawizina pali zoterezi pamene revenues ndi kuloŵa pansi, ndipo simungathe kukwanitsa malipiro pa ngongole mu nthawi. Pankhaniyi pali mwamsanga ngongole ya.

Pali nthawi zina pamene banki panokha kwezani chiwongola dzanja pansi mgwirizano, ndipo izo siziri pa mapewa kale.

Pamene zinthu izi zidzachitika, gombe kugulitsa ngongoleyo wokhometsa. Ndipo njira zawo ntchito silingakhoze kokha kukhudza boma wanu wathanzi, komanso thanzi. Ngati mudzagwa mu mkhalidwe umenewu, ndipo akufuna okhometsa, zoyenera kuchita, ife adzamvetsa zina.

Chidziwitso cha malamulo - chida chanu

Anthu amene mwaukadaulo chinkhoswe ngongole kuchira, ankakonda kutenga kuwazunzawo unceremoniously. Kumuopseza zachiwawa, akuitana pa achibale usiku ndi zipangizo zina othandizira awo.

Komabe, mphamvu zawo, deta boma ndi zodziwika bwino mu malamulo. Nkhani zogwirizana angapezeke mu Chilamulo RF "Pa ogula ngongole" imene chotkom utoto wokhometsa bwino. Choncho, ngati inu alonjezedwa ndi okhometsa, chochita mu nkhani iyi? Choyamba kuwerenga kalata za lamulo.

Mwachitsanzo, pali ulamuliro bwino lolamulira nthawi imene mungathandizire kuitana "racketeers": mkati mwasabata ku 8:00 kuti 22:00, ndi kumapeto kwa sabata - kuchokera 9:00 kuti 22:00.

Komanso Dziwani kuti gulu la chopereka ngongole ali ndi malamulo yachibadwa kuti ndi Makampani ena malonda ndi makampani. Izi zikutanthauza kuti chirichonse chosiyana ndi chilamulo, kuzichita inu simungakhoze. Pakumvetsa izi zidzakuthandizani kupsa anu pamene inu okhometsa pangozi. Kodi ngati aswa malamulo amenewa?

Iwo ayenera akulengeza kuti iwo kupitirira chilamulo, ndi moto bwino nkhani inayake. Ndikhulupirireni, sayembekezera izi.

zingasokoneze singathe kufotokoza za malamulo a boma latsopano la Russia

Sikuti kugwirizana ndi kumapitirira za "kulanda." Kodi wokhometsa ufulu zingasokoneze? Kumene ayi. Ziribe kanthu momwe chidali maonekedwe kapena mawu wokhometsa, iye saloledwa mwachindunji kapena ayi kukuopsani.

Ndipo izi Umutu ndi chida chachikulu cha "kulanda." Chiopsezo chachikulu ndi kuchepetsedwa chakuti inu akulangizidwa osati kuyenda usiku mu makwalala mdima kukatenga ana kusukulu nthawi ndi kunyamuka kupita kunyumba zipangizo zamagetsi.

Mu malemba amenewa, mfundo ndi kumuopseza chobisika:

• Mbali yoyamba, inu kuopseza kuvulala;

• mu Baibulo chachiwiri umanena pa chakuti ana akhoza kubedwa;

• pa nkhani lachitatu kulankhula kwa anachita kuwotcha dala zotheka.

Mosakayikira, zonsezi mungathe munthu kuchokera kulikonse bwino. Pankhaniyi, okhometsa mwina mlandu malinga ndi nkhani 163 wa Code Wachifwamba, limene limafotokoza zinthu kulanda kuopsezedwa chiwawa kapena kuvulaza katundu. Timapereka kwa kundende zaka 4 ndi wabwino wa rubles 80 chikwi.

Kuopsa kwa kosamalira ndalama

Ngati banki akuopseza kwa okhometsa, sitingathe kupulumuka. Choyamba, malamulo. Ndipo kachiwiri kusonyeza woyenera ndi kothandiza ntchito, ntchito okhometsa angakwanitse si mabanki onse.

Kumene, n'zomveka kuti vuto la kukula ngongole nthawi yomweyo, kufika mgwirizano ndi banki zina kukonzanso ngongole ya. Pankhaniyi, n'zotheka kuti mumalankhula ndi bungwe ndalama adza kwa wolembedwa ntchito yakulipidwa okhometsa zambiri yafupika.

Komabe, ngati simungathe kukambirana ndi banki mwamtendere, ndipo adzaitana akufuna okhometsa amatchula njira imene ili pansipa. Kutsatira mfundo zimenezi kudzakuthandizani kulankhula "oledzera" monga alenje koma ovutika.

ntchito zawo

Ngati akufuna okhometsa ndi khoti kapena chinachake, palibe kufunika mantha. Sitepe yoyamba ndi kumvetsa bwanji kuti ngongole ubwenzi wanu ndi banki.

Ndipotu, munthu walembapo pangano la ngongole ndi gombe, osati ndi kusonkhanitsa ngongole kampani. Choncho, fufuzani ndi iwo zimene kampani akuimira kodi inu kudzatenga ndipo maziko zimene amalowerera iwo.

Malinga mayankho awo tisowa kusankha bwino kuitana machenjerero. Zimakhala awiri njira zosiyanasiyana. Choyamba, pamene gombe ndi "oledzera" lalembedwa ndi bungwe pangano. Chachiwiri, ngati banki anagulitsa ngongole unawasonkhanitsa kampani.

pangano pakati pa gombe ndi okhometsa

Vuto loyamba, ali oyenera okha amakutchani inu ndi kukukumbutsani inu ngongole yanu ku banki. Palibe zotsatira malamulo a mafoni amenewa kwa inu, ngakhale okhometsa alonjezedwa mwa bwalo, n'zotheka iwo sakudziwa nkomwe kuyankha.

Ngati mudzalandira kuyitana kuchokera nambala yosadziŵika ndipo inu mukuzindikira kuti izi wokhometsa, zikunenedwa kuti nkhani iliyonse kukhala mwa bwalo, ndipo dulani. Pomwepo kuwonjezera nambala iyi kuti mndandanda wakuda kuti sizikanatha Musiyeni ndi izo.

Powona kuti ndinu sanachitire, kapena oletsedwa manambala awo, mukhoza kuyamba kutumiza SMS imene okhometsa alonjezedwa imfa. Iwo akhoza kukhala a chikhalidwe chosiyana. Mwachitsanzo, pali mungachite:

• munanditumizira mofulumira Poyankha gulu, kukhala okonzeka mu maminiti 15 kutsegula chitseko;

• mawa ukhala ndi nyumba appraiser, ife kusankha mmene mukhoza kugulitsa malo anu;

• ngati simufuna kukhala ndi mabvuto ndi matenda, kenako nkubwerera ndalama mkati mwa sabata.

Pali ena ambiri mwano mawu.

ntchito yawo - kuopsyezera inu

Tanthauzo la zonsezi ndi kuopsyezera inu ndi kulenga kuthamanga abwino. Simufunikanso kumvera uthenga awa, kuzisunga mu foni kukumbukira ndi kusindikiza pa mapepala kuti inu mukhoza kuwona tsiku ndi chiwerengero kumene anatumizidwa. Zimenezi zingakuthandizeni kukhoti kutsimikizira siudzalandilidwa ngathi lamulo kuti analola okhometsa mu njira ya ntchito yawo.

Ndipo ngati anapita ku nyumba kwanu ndi kukagogoda pa khomo, nthawi yomweyo kulankhula ndi apolisi. Chovala yazamalamulo alonda chidzazirala Changu awo. Musachite mantha zimenezi, chifukwa ngongole apolisi anu palibe nkhawa mwamtheradi, ndipo iwo sadzatha kuchita chilichonse. Koma kupezerera kenako ndi ndegeyo angathe ndithu.

Ngati ngongole wanu anagulitsidwa kwa okhometsa

Ngati gombe, kuchotsa olimba, ngongole zanu resold ngongole zosonkhanitsira bungwe, zinthu kukhala penapake zovuta. Ndipotu, yotsirizira mwalamulo yakuti kukakamiza ku mubwerere ngongoleyo.

Komabe, mabanki si nthawi zonse ali ndi ufulu kutero ndi borrowers awo. Pankhaniyi, pamene mukufuna kopita, pamene kuopsezedwa ndi okhometsa, ndi bwino kusankha loya amene imakhazikika Zikatero.

Kawirikawiri, akatswiri akulangizidwa yomweyo kudandaula zimenezi. A review wa deta ndi drafting cha kuletsedwa processing iwo akhoza poyamba kuziziritsa Changu cha "kulanda."

Inunso kulangiza ndi kuthandiza kuti mu chochitika kuwaopseza kwa achibale anu analemba mawu kuti apolisi ndi ofesi khoti linalamula.

Ife kutengapo maganizo

Choyamba, musati mantha. Pezani ndani wantchito amene akukuitanani ndi nkhani za ngongole, funsani momwe zikugwirizanirana ndi ngongole yanu.

Ntchito lemba la chilamulo, kuti okhometsa za kuyan'anila awo. Ngati sachiza, ndiye funsani kumabungwe oyenera kutumiza "oledzera" mabuku a mawu.

M'pofunikanso Kudandaula loya amene kuthana ndi mavuto. Pakuti iwo sikovuta bwino chotheka pofuna kusangalatsa okhometsa ndi kukambirana kukonzanso ngongole zanu kuti kuchepetsa katundu pa bajeti. Komanso, pali zochitika zina pamene iwo anatha thanani gawo la ngongole overdue mogwirizana ndi chizindikiritso cha kuyan'anila yosiyanasiyana banki.