Chiwerengero wotsikitsitsa ngongole ya - momwe ndingayendere?

Kufunika kwa ndalama zina limapezeka ambiri nzika. Imodzi mwa njira zabwino kuti vuto ndi ngongole ku banki. Koma kulipira palibe amene amafuna, ndi kuyamba kufunafuna malo lonjezo liri kuchuluka wotsikitsitsa ngongole ya.

Kodi mlingo pa ngongole ya?

The ngongole malamulo a mabungwe banki aumbike mwa njira iyi. Bank amapeza ndalama ku Bank ku Central Akuluakulu a ku Russia mu nkhani zabwino pa mlingo refinancing, pa zikachitika - a mlingo kiyi.

Pakuti thandizo la ngongole angagwiritsidwe ntchito ndi ndalama unachitikira pa gawo, koma kwathunthu ndikupeza ndalama ndi zosatheka. Akuti ndalama choncho unayendera kuchuluka pang'ono apamwamba mitengo pa madipoziti. Ilo likadali adzakhala opindulitsa. Komabe, osunga ndalama amakonda kupanga yunifolomu mfundo ngongole osati kugawanitsa zomwe zilipo. Chifukwa, otsika kuchuluka kwa ngongole ya udzakhalabe kuposa mlingo chifungulo cha Bank ku Central peresenti 30-40. Izi ndi zenizeni.

Kodi ndi makhalidwe ati amene wobwereka kuchepetsa chiwongola dzanja?

Wobwereka udzadutsa magawo angapo kuyesedwa. banki ngakhale analenga zochitika zapadera mwamsanga pamaziko a mafunsoka anapereka kuyambirira kukula kwa mlingo chidwi. Chifukwa cha zimenezi, kupeza ngongole yabwino, ochepa kuti "kupeza".

Choncho, tiyeni tiwone mfundo ziti kuchepetsa chithunzi ichi, ndi amene M'malo mwake, kuonjezera.

Tiyeni tiyambe ndi ubwino:

• Wopambana alipire ngongole, kutengedwera mu banki yomweyo, kuti "kukambirana" peresenti ochepa.
• Wopambana kubwerera ngongole anatengedwa ku banki ina, osati kwambiri, koma kumathandizanso.
• A gawo mu banki, kuchuluka yabwino ndithu amalankhula mokomera wobwereka lapansi. Kukhalapo Kwake - pafupifupi 100% ya chitsimikizo ngongole ndi chikalata.
• Katundu umwini, makamaka ngati chokongoletsedwa yekha obatizidwayo.
• The makina pa chuma. Izi zidalira pa mtundu wa galimoto, amene amatha.
• Zabwino chinthu - nduna ntchito, makamaka ngati kuntchito waukulu ndithu.
• Chithandizo cha mtundu 2-DZENJE.

ndi makhalidwe a wobwereka zingakhudze kuwonjezeka kuchuluka chiyani?

Wachisoni zizindikiro komanso chokwanira. Tiyeni tiyambe ndi amene kwathunthu kukusalani n'zotheka kupeza ngongole:

• Bad ngongole mbiri.
• Pamaso pa kutsutsika ndi.
• Kupanda ndalama (palibe ntchito, malonda).
• Pamaso pa chuma anamangidwa ku khoti.

mndandanda wina wa zinthu sizikutiyendera mwalamulo kuti kufunika ndalama ngongole, koma ngongole pa mlingo wotsikitsitsa chidwi kungotenga musalole:

• Small ananena ndalama pa malo a ntchito kapena malonda.
• Kupanda malo mu chuma.
• Chosowa agule galimoto.
• The kukhoma thandizo mwana.
• Wobwereka wamng'ono, ndiye, zaka zake pang'ono kuposa zaka 21.
• Pakhala kuchedwa ndi alipire ngongole m'mbuyomu.
• Pa ndalama inanena ndi Federal Tax Service si kupanga ndi satifiketi banki, wodzazidwa pakalibe ndalama boma.

Kumene, njira imeneyi ndi wopereŵera kwambiri. Ndipotu, mungachite zambiri.

Kodi kuonanso wobwereka a m'tsogolo?

Kuti mlingo wotsikitsitsa chidwi pa ngongole, nthawizina zoyenerera zofunika yotsimikiza Multilaterial. Kuyamba ndi deta onse ku mbiri ya woyang'anira dipatimenti ngongole amalowa kompyuta, kumene msonkhano wapadera udzabala kusanthulidwe ka deta. Ngati ife kulankhula za mabungwe microfinance, kawirikawiri onse ndipo itha pa nthawi imeneyi. Pakuti zinthu zambiri mabungwe amenewa kukoka. Koma pamtengo pali chidwi.

Ngati tikulankhula Mwachitsanzo, kufuna kupeza ogula ngongoleyo, kuchuluka otsikitsitsa a mabanki angapereke kudya, kuti kuzengereza wogula. Mu mode ntchito, choyamba anagonjera zikalata ali zili lodalirika, ndiyeno - ndi mbiri ngongole. bwana ngakhale kuitana kampani kumene wodandaulayu akugwira ntchito pa mfundo anagonjera. Koma kawirikawiri zimenezi zingachititse kuti zolakwa chifukwa kuipitsidwa. Ndi zambiri zosavuta kuti kupita Fund ndi penshioni ya Nawonso achichepere ndi kuona milandu onse, omwe anapangidwa monga malipiro boma. Kotero tsopano yachitika.

Zingati kupeza?

Kuti tizidalira kuchuluka wotsikitsitsa ngongole ndi, wobwereka ayenera kukhala ndi ndalama zimene wakumana ena i chikhalidwe. Otchuka mabanki zochokera chakuti malipiro pa ngongole sayenera oposa 40 peresenti ya malipiro. Apo ayi, wobwereka sadzakhala zokwanira moyo, ndipo amayamba kuzengereza malipiro.

Likukhalira mtundu uwu kudalira: zinthu zabwino pa ngongole kupereka okha ndalama wolemera nzika malo. Ngakhale monga iwo angakhoze ndalama zambiri. Koma choncho anatsegula.

Kodi kusankha banki?

Ife anatsogolera zinthu imene mabanki atenga "wochezeka" makasitomala. Koma pali muyezo umene kusankha bungwe ngongole angathe kupereka ngongole ndalama ndi mitengo otsika chidwi.

Chinthu choyamba ndi kukhala oleza mtima, ntchito imeneyi si zophweka kwambiri, ndipo amafuna nthawi yokwanira. The pafupifupi chiwembu cha ntchito chiri motere:

1. Ri zinthu mu ogula ngongole msika.
2. Timaphunzira maganizo a mabanki. Mabungwe ndi nawo boma chiwerengero zinthu zing'onozing'ono koma wowawa.
3. Kutumiza Intaneti ntchito ku mabanki mumaikonda.
4. maganizo ndi poyamba ndipo kenako - pa maudindo.

Mpaka kusankha, kusonkhanitsa zikalata ndi kuyamba kulembetsa.