Zilango ndi zanyumba

Pamene munthu afuna kugula katundu ndi kubweza ndalama, pali zambiri mavuto ofunika kuti aunikiridwe. Ngakhale kuti chilango zotchulidwa mu mgwirizano, ndi zina ndi bwino kufotokoza momwe iwo amasiyana Chrixitu. Ndipotu, ngakhale kusungira ndi udindo wobwereka mwina zinthu zosayembekezereka.

Zilango - izo chinanena mu mgwirizano ndi kuliika milingo ndalama chipukuta misozi, amene wapatsidwa munthu kuphwanya mgwirizano, ndi mawu contractual. Monga nthawi zambiri zoikidwa ndi ngongole lina kukwaniritsidwa mochedwa udindo, kuswa kupereka ndalama Zithunzi. Mu ndondomeko ya amafuna kupereka chilango, ndi ngongole ali ndi ufulu osati kutsimikizira kuli kumawononga. Komanso, iye akhoza kufuna kupereka chilango kukachitika kuti wamangawa si udindo malonjezo a.

Chabwino - mtundu wa chilango, chimene umagwiritsidwa ntchito zochitika zonsezi ndi kuti, amene anapereka pangano kapena malamulo. Izo ndi chimafotokozera akonzedwa kuchuluka kapena kuchuluka kwa ndalama onse a udindo contractual omwe breached. Zilango anawaikira ndi kubweza mgwirizano ndipo yoyenera muyeso wa udindo, omwe amaperekedwa kwa kuphwanya udindo. Zilango mlandu kupitiriza kukhumudwa ndi amaonetsa ngati kuchuluka kwa ndalama okwana wawo breached. Nthawi zina, n'zotheka kupereka zochuluka. Choncho chilango umagwiritsidwa ntchito zofunikira ziwiri mitundu: ndalama ndi ndalama. Zikhalidwe kugwirizana nazo izo, amafotokozedwa aliyense ngongole kapena ngongole mgwirizano.

Pali zinthu pamene wobwereka chifukwa cha mmene zinthu kuphonya malipiro mwezi, ndi banki mukuganiza kuti zifukwa zimenezi khalidwe chomveka. Mwachitsanzo, ngati inu kusintha kapena kuchotsedwa ntchito ayenera kwenikweni eni kuchenjeza banki. Pangani ndizofunikira pamaso pa gulu lokha pamaso amati wobwereka, monga zokhudzana ndi nkhaniyi ali kupangidwa, kusintha kwa bwino mu tsogolo kudzakhala kovuta. Choncho, imeneyi kungakhale akuchedwa ndalama ndi refinancing. Komabe, ntchito otsiriza, pamene wobwereka alibe ndalama kudzakhala kovuta kwambiri.

Zikatero, ngati banki mukuganiza kuti chifukwa cha kulephera kulipira yake kuchuluka chofunika ulemu, monga mwa pangano ngongole, chilango cha amalipidwa mu malo oyamba. Choncho, pamene amalipira lotsatira adzakhala okutidwa ndi chilango, ndiyeno yekha kulongosola ngongole. Choncho m'pofunika kuonetsetsa kuti chachikulu ndi kuchuluka pamwezi anali zonse, mwinamwake labwino chilango kulipira kwa mwezi wamawa.

Mu zinthu ngati kuphwanya mfundo za malipiro pa kubweza ndi mwadongosolo, gombe akhoza Umafuna oyambirira alipire ngongole ya. Nthawi zambiri izi zimachitika ngati wobwereka amalephera kupereka ngongole, ndi sapereka chilango pansi mgwirizano m'chaka katatu kapena overdue masiku oposa 90.