Chidwi pa ngongole: bwanji ndalama yokha?

Anthu ambiri amaopa kuti thamo chifukwa cha ziwawa chidwi. Komabe, tisaiwale kuti popanda kudziwa kaye m'dera lino, ngakhale wozama chidwi ngongole kungachititse zomvetsa kwambiri.

Choyamba, tiyeni tione nthawi yomweyo, kodi chidwi accrual. Iwo anaganiza kuonetsetsa zofunikira ziwiri: muyezo (chakale) ndi annuity. Onse monga thupi la ngongole ndi chidwi okha.

Mu muyezo chiwembu cha chidwi accrued pa muyezo zonse pa ngongole ya. Ndipotu, pa nthawi yomweyo yafupika ndi chidwi pa ngongole, ndi thupi lake.

Koma annuity chiwembu, ndi pang'ono zovuta kwambiri kuposa masiku. Pankhaniyi, wobwereka limalipirira mwezi lathyathyathya amalipiritsa. Koma mfundo ndi yakuti mu zoyambirira nyengo ambiri a kuchuluka zikugwirizanirana chidwi, ndipo pamapeto - thupi la ngongole ya.

Omwe machenjerero awa ndi yopindulitsa kwambiri? Tiyeni tione iwo kuchita. Ndipo muyezo poyamba, yemwe ali ofunika kulipira chidwi ndi kuthekera alipire oyambirira. Mwachitsanzo, mwezi uno inu kulipira $ 800 ($ 500 - thupi, ndipo $ 300 - chidwi ngongole ya). Pankhani ndondomeko muyezo, ndiye, kupanga nkhaniyi si $ 800, ndipo $ 900 mu mwezi wamawa inu kulipira $ 100 zochepa. Pokhala ndi chikhumbo ndi mphamvu, mukhoza kale kwambiri ku ngongoleyo.

Ngati inu kusankha annuity, luso ngongoleyo patsogolo ndandanda ndi pano. Komabe, sikungakuthandizeni kuchotsa kufunika kulipira chidwi. Ndipotu zambiri za iwo inu kulipira mu miyezi ingapo. Plus, mukhoza mavuto okhudzana chakuti mabanki si makamaka okondwa woumba zolinga kutembenuka.

Mfundo ina imene muyenera kulabadira kuphunzira chidwi pa ngongole ndi profitability wa ntchito imeneyi. Musati tizidalira chakuti mabanki kupereka amadwala pafupifupi musatenge ndalama ya utumiki. Nthawi zambiri, pamaso a mabungwe osiyanasiyana adzadziwa pambuyo mapeto a mgwirizano. Kumene, ngati pamaso adula inu kufunsa funso mwachindunji za ndodo iyi, inu mupeza yankho woonamtima. Komabe, iwo amakonda kuganizira ubwino okwanira ndi zingasokoneze ku zolakwa zake. Kuphatikizapo ku komishoni. Kuyambira mfundo imeneyi ndi yopindulitsa kwambiri monga kulipira lalikulu nthawi zingati, kuposa kulola banki kwa zaka zambiri tinyamuke chidwi chanu pa utumiki.

Komanso, onetsetsani kuwerenga nthawi yomweyo, chifukwa kodi ayenera kupanga ndalama. Mwachitsanzo, ngati chisomo nthawi zinthu banki ndi masiku 45, sikuti zikutanthauza kuti mukhoza malipiro lotsatira pasanathe masiku 45 pambuyo pa m'mbuyomu. Zikuoneka kuti tili mu malingaliro kufunika kotsatira malipiro pamaso pa 15 mwezi uliwonse. Ndiye izo kanthu, ndi 1 kapena 31 TH inu anatenga ngongole - mpaka 15 muyenera kusankha malipiro.

Samalani! Accrual chidwi pa ngongole ndi phindu banki a. N'chifukwa chake alipire ndalama chidwi izo mu malo oyamba. Ndiko kuti, ngati mulibe ndalama zokwanira kuti zonse malipiro mwezi, chidwi adzakhala analipira ngongole woyamba, ndipo ndi ena ndalama apita ku kuchepa thupi. Kuti ndi thupi "popachika" mu chikhalidwe chomwecho, ndi banki adzapitiriza akumuimba mlandu chabwino ndi zilango.

Powerenga mawu a pangano ngongole, kenako mudzatha suwononga ndalama zambiri ndiponso nkhawa!