Arrears pa ngongole: chochita? General kupereka ndi nsonga

Mu zikhalidwe za mabungwe banki zachuma amakakamizidwa kupirira zomvetsa yaikulu makamaka chifukwa chosakhwima ndi zoipa chikhulupiriro borrowers. Pamene zimenezi kumathandiza kuti revitalization wa ngongole chinyengo. Zoperewerazo mavuto azachuma ambiri a mabungwe ngongole anapereka mitengo kwambiri chiwongoladzanja pa ngongole ndi kulipira kuti borrowers usilikali.

Komabe, akatswiri ena anapeza kuti chiwerengero cha anthu amene analandira ndalama za ngongole, koma kusonyeza kusasamala wathunthu pa nkhani ya kubwerera kwawo pa nthawi, sanali utachepa.

Woopsa vuto

mwanjira ina, koma funso kuti: "Ndili ndi kuchedwa pa ngongole - zoyenera kuchita?" Akhala zogwirizana, ngakhale panali akuchedwa kupanga malipiro a tsiku limodzi.

Komabe, mfundo malo ambiri kuti ngati wobwereka kwa masiku 2-3 mochedwa ndi malipiro, palibe cholakwika ndi zimenezo. Koyamba, zingakhale ndi kuvomereza. Inu muyenera kuti SMS uthenga ndi pempho kulipira ndalama chifukwa cha ngongole, ndi kuti chochitikacho amakhala atatopa. Komabe, palibe wina adzachotsa kwa banki lamanja akaonekere kwa amasinthira, ndipo ngati mukufuna kugwiritsa ntchito kwa ngongole watsopano, anu "cholakwa" ntchito yoyamba aziona angongole onse. Pankhaniyi, inu kwenikweni kwa kwambiri angadzifunse kuti: "Ndili ndi mwamsanga ngongole ya. Ndichite chiyani? "

Nkofunika kukumbukira kuti mofulumira inu kulipira ngongole zanu ku banki, chindichepere aakulu zotsatira adzakhala inu.

Mwachitsanzo, ngati muli kale theka chaka sapereka pa ngongole, ndi bungwe ndalama zambiri posachedwa apitirira Kukhala wokhulupirika kwa inu ndi kuyamba kugwiritsa ntchito zida malamulo imene choncho akhoza kubwera mlandu. Pankhaniyi, amafunsa kuti: "Ndili ndi mwamsanga ngongole ya - zoyenera kuchita" adzakhala mochedwa kwambiri. nkhaniyi kungavute chifukwa chakuti chuma kwanu kugwidwa.

Zotsatira za ngongole mochedwa malipiro

Kaya kuopseza mavuto ngongole overdue ndi chochita zinthu izi? Inde, wobwereka ali mavuto angakhalepo, ndipo nthawi zambiri ndi a chikhalidwe zakuthupi.

Iye osati kupereka chiwongoladzanja pa ngongole, koma chidwi umene ochokera kwa malipiro a mwadzidzidzi. Monga gawo la mabungwe a banki kuti amakhazikika mu ogula ngongole chilango akhoza kukhala wokwera ndi upambana kuchuluka kwa ngongole yaikulu.

Anthu amene makamaka nkhawa funso kuti: "Ndili ndi mwamsanga ngongole ya. Ndichite chiyani? "Tiyenera kumvetsetsa kuti, kupereka malipiro mochedwa ali kungasokoneze mbiri ngongole. Kodi izi zikutanthauza chiyani? Only kuti mwayi wanu kuti apereke ngongole watsopano pa ulemu kwa zinthu linanena bungwe adzakhala pafupi ziro. Chabwino, za pulogalamu ya kubweza kukongoza ambiri simungathe kulota pa nkhaniyi.

Komanso, wobwereka kulipira ndalama zonse ndalama zokhudza Kukambirana za amanena amakakamizidwa zosonkhanitsira ngongole.

mabungwe banki zambiri kugulitsa mabungwe zosonkhanitsira ngongole amene antchito ntchito amphamvu maganizo kuthamanga, usana ndi usiku kukumbutsa borrowers udindo ndalama. Pankhaniyi, ndithudi, funso n'lakuti: "Kodi ine kuthetsa ngongole ngongole ya. Kodi kuchita? "Kodi yofunika kwambiri.

Kapangidwe ndalama pochedwetsa si kopindulitsa

Mwachibadwa, bungwe lililonse ndalama alibe chidwi yomweyo, ngakhale kuti cholinga cha patsogolo mwa imposition la zilango.

Zilinso kuti Bank of Russia kulamula, chimene aliyense bungwe ngongole ayenera kukhala ndi nkhokwe zazikulu chuma, ngati tikulankhula za ngongole overdue. Ngati kulephera ndalama udindo adzabweretsa imfa ya bungwe la ku banki ziyenera zoperewerazo m'dera limeneli. Koma ngati kuwonongeka zinthu ngati palibe, malo - izo ziri mophweka ndalama inshuwaransi, umene uli pafupi kopanda phindu. Kumene, mabungwe a zachuma akuyesera kuti kukula kwa malo monga laling'ono monga zotheka.

Mungasankhe kuthetsa vutolo

Kotero, zoyenera kuchita ngati ngongole yadutsa nthawi yake? General kupereka ndi malangizo pa nkhani imeneyi zagona mu chimodzi: kuyesera kupereka ngongole nthawi osati monyanyira. Makamaka kupenda mosamalitsa kusankha akubwereketsa ndalama zambiri. Muone ngati mungathe kupereka ngongole zimenezi, ngati inu muti zipolopolo inu kuchepetsa malipiro kapena mwadzidzidzi inu amakhala mongoyembekezera wolemala.

Mwatsoka, ili zambiri zimachitika, m'pofunika kukhala okonzeka.

ndondomeko refinancing

Ngati muli ndi ngongole ngongole ndi, chochita mu nkhani iyi, inu mwamtheradi sindikudziwa, ndi lanzeru - kupanga refinancing.

M'mawu ena, inu angakonze ngongole watsopano pa pakafukufuku chidwi kulipira olemekezeka. Choncho mukhoza mwamsanga kutuluka ukapolo ndalama.

ngongole kukonzanso

Kumene, funso n'lakuti: "Ndili overdue ngongole, osati kulipira ngongole ya - zoyenera kuchita?" Pakuti ambiri apakhungu. Monga angachite bwino kulankhula ndi bungwe chuma ndi pempho kusintha, ndipo yesetsani ndinazisiya izo mu chipinda monga njira kuti athetse vutoli. Choncho mukhoza kuchepetsa kukula kwa ndalama ndi nthawi zina, kuti reprieve. Ife kutsindika kamodzinso sibwino kuti vutoli zinthu mwachangu kulankhula ndi antchito a banki ndi kupewa miyezi opulukira.

Kubweza ngongole nthawi

Komanso, muyenera kukumbukira kuti kamodzi muli chimodzi tsiku mochedwa malipiro, mudzakhala mlandu chidwi. Komanso, kuwonjezera pa izi, banki kulephera kukwaniritsa udindo wake akhoza ziletso pa chabwino wobwereka a.

Monga kale ananena pamwamba, ngati akuchedwa masiku 2-3, banki adzakumbutsa inu pogwiritsa ntchito mauthenga SMS. Ngati inu zawozo, sitepe yotsatira ndi kuthetsa vuto inu mumawatcha munthu wogwira ntchito ku banki. Iye akukufunsa bwino kuchita ngongole maudindo awo, kuopseza kuti chilango ngati inu simumachita amafunika chiyani inu.

Choncho, muli mwamsanga ngongole, ndi kuchedwa mu ngongole kubanki. Kodi kuchita imeneyi, mulibe lingaliro lililonse? Ngati inu asanapange malipiro pa nthawi chifukwa matenda kapena kunyamuka kukachita bizinesi, zingakhale mulingo woyenera kuuza anthu ogwira ntchito banki za tsiku lenileni pamene malipiro lotsatira.

Zikatero, pamene inu sangathe abwezere ndalama za ngongole chifukwa chatsika vuto la ndalama, ndi bwino kusiya kaye ulendo zokakamiza banki ndi kukambirana ndi ogwira ntchito za amodzi zosakhalitsa kapena kukonzanso. Komabe, kapangidwe ndalama mukuvomereza asintha, ngati chifukwa cha akuchedwa malipiro adzakhala kwambiri: chilema osakhalitsa, kuchotsedwa ntchito.

Ngati wobwereka adzakhala chabe mu ubale ndi banki, yotsirizira ali ndi ufulu kugulitsa okhometsa ngongoleyo.

mungachitepo malamulo

Chomaliza kuthetsa mavuto ndi borrowers oipa - kuchonderera kukhoti. Monga ulamuliro, ndi litigation kuti achire mangawa lapitali miyezi ingapo chaka chimodzi. Ngati kuyambira mfundo malamulo a view pangano ngongole anaphedwa molondola, bwalo la milandu ayenera kutenga mbali ya odandaula ndi wotsutsana posapita nthawi adzafuna kubweza ngongole ku banki. Komabe, izi kusintha kwa zinthu kungakhale koyenera kwa wobwereka, chifukwa ulamuliro milandu mwina thanani kuchuluka kwa ndalama, kukakamiza wozengedwa azilipira yekha kuchuluka kwa ngongole yaikulu.