Itanani pa wina okhometsa ngongole zoyenera kuchita?

Ambiri mwina, inu munali kamodzi pa moyo mwayi pa misonkhano ya dongosolo ngongole. Koma si aliyense wa amene anatenga ngongole, anatha kubweza pa nthawi yake. Pankhaniyi, kutenga ngongole ndi opereka ndi makamaka kunyalanyaza, pamafunika makampani deta. Kulankhulana ndi njonda izi kupulumutsa kwambiri mphindi zosasangalatsa. Makamaka achipongwe pamene okhometsa mlandu nongole. M'pomveka kunena kuti zimachitika infrequently, koma kulankhulana umakhala zofunika. N'chifukwa chiyani zimenezi ndi chochita - Nkhani pansipa.

Kodi okhometsa, ndi chifukwa iwo akuitana

Ndi zachilendo kwa ife, mawu akuti "wokhometsa" pomasulira zenizeni amatanthauza "wokhometsa", koma sayenera kusonkhanitsa masitampu kapena agulugufe deta, ndiponso ndalama za amakhoma misonkho motayirira. Okhometsa kumachititsa anthu kapena mabungwe lonse - makampani deta. Nthawi zina "okhometsa" komanso ali mamembala ndodo ya banki utumiki chitetezo. ntchito yawo yaikulu - mwa njira iliyonse (n'kololeka) kukakamiza wamangawa kulipira udindo wake ndalama. Nthawi zina okhazikika bwino zolephera chitsanzo zidzachitika, zingachititse zotsatira zoipa.

Itanani pa wina okhometsa ngongole, pa zifukwa zosiyanasiyana, koma zambiri zimachitika mwangozi, yolondola kuti nthawi zina zovuta. "Okhometsa" wachita kale anazolowera kugwira ntchito zinthu zachilendo, ndipo nthawi zambiri salabadira kuchonderera wanu ndi mafotokozedwe, chifukwa anthu sindikufuna kulipira ngongole, nayenso, amakonda kunena iwo alibe ubale chirichonse kwa izo.

Inu mumachita ngati guarantor ndi?

Ngati zonse kuitana pa wina okhometsa ngongole, kumbukirani, ngati inu simuli ndi guarantor kwa ngongole ya anzanu, achibale kapena anzake. Zinali? Ndiyeno amapita "wotchera" pa kwambiri mwina munthu amene watenga ngongole, anapanga ngongole olimba, ndi banki waganiza amatenga ndalama kwa guarantor, ndiko kwa inu.

Chinthu choyamba kuchita - funsani munthuyo anapereka ngongole, ndi kuyesa kupeza ngati kulephera kulipira unakhazikitsidwa ndi mmene posachedwapa ikupita kuzimitsa izo. Mwina tiyenera kupeza njira yothetsera pamodzi vuto - kukambirana ndi banki za refinancing ngongole kapena kuyesa refinance ndi gulu lina (kumene, mu nkhani iyi sayenera kuchita monga guarantor kachiwiri).

Ngati likukhalira kuti wamangawa si kwenikweni angathe kuthetsa udindo, ntchito kwenikweni anasamutsa kwa inu. Ndipo kulipira. Chinthu chabwino mungachite - kupita ku banki kufufuza olowa njira yothetsera. Mukakhala kuthetsa ndi ulemerero bungwe, muli ndi ufulu kuti achire wachibale (bwenzi) pa ngongole kuti ndinu guarantor, kuchuluka lonse wa ngongole ku khoti.

Zoipa achibale

Nthawi zambiri pali vuto pamene ngongole anali kutenga munthu ku banja lanu, ndiponso mukudziwa ndipo sindikudziwa. Monga mbali ya ntchito ya wokhometsa kuti apeze ndalama kuchokera wobwereka mwa njira iliyonse chololedwa, mu nkhani ya mapangidwe kuchedwa kuyamba pestering mafoni onse banja lake ndi anzake amene mafoni angapezeke.
M'pofunikanso kudziwa kuti ngati simuli ndi guarantor kwa ngongole, ndi alipire ngongole inu mukhoza kukhala pokha pokha awiri:

• pa nkhani ya imfa ya wobwereka, ngati ndinu wolandira munthu amene anatenga ngongole, ndipo wavomereza cholowa;
• Ngati ndinu mkazi (mwamuna) wa wokongolayo, koma mu nkhani iyi, kukakamiza inu ngongoleyo yekha ndi akhoti.

Chotero ngati okhometsa akuitana pa ngongole munthu wina, lomwe linakhazikitsidwa zanu m'bale / alongo, makolo, amalume, azakhali ndi achibale ena aliwonse, akulengeza kuti mulibe kwa ngongole kanthu kochita ndi safunikira kupereka izo.

Udindo woyandikana nyumba

Nthawi zambiri, okhometsa kufuna kukwaniritsa chimene mukufuna, n'kuyamba kutsatira amadzibisa onse. Ambiri a iwo, popanda kukwaniritsa chilichonse mwachindunji ku ngongole kapena banja lake, anayamba kulira onse oyandikana nawo, anzake komanso anzake wobwereka, mu chiyembekezo kuti zimenezi "kuukira amadzibisa onse" zidzabweretse zotsatira yofulumira. Zikatero, pamene mukundiitana ndi okhometsa za mangawa ena, amene muli naye chilichonse, mwaulemu ndi molimba kufotokoza kuti alibiretu udindo kapena ndi "okhometsa" kapena kasitomala awo. Ndipo anawafunsa kuti kuitana panonso. Ngati izi sachiza - ndiye musazengereze mabungwe yazamalamulo.

Ine sindikumudziwa iye

Komabe nthawi zina zimachitika kuti okhometsa kuitana pa ngongole mlendo wina kwa inu munthu. Izi zimachitika chifukwa zifukwa zosiyanasiyana - mwachitsanzo, foni nambala yanu kale wa munthu wina, kwenikweni ngongole, kapena inu asamukira nyumba, mwiniwake amene anatenga ngongole, chonde monga adiresi yanu yakale. Nthawi zina pali typos m'dzina banal, nambala ndi deta zina.

Mwatsoka, mu nkhani iyi, kuchotsa okhometsa chosavuta kufotokoza ndi chodziwikiratu - adzayenera kuchita khama kwambiri. Kuyamba, tikupeza deta anthu, umene inu mwalandiridwa, ndiye kupempha kubanki, kuti ndi woyimba. Mu kalata tisonyezeni kuti mfundo yanu kukhudzana zalembedwa molakwa kwa mlendo kwa inu ndi kumufunsa kuti kusintha Nawonso achichepere. Kudikira yankho. Ndi bwino kutenga zina pa chikalata ichi banki ponena kuti uli palibepo pa ngongole ngongole ya. Chotsani makope a zikalata onsewa ndi kuwatumiza makalata olembetsedwa ku adiresi ya kampani deta. Ngati, pambuyo pa zonse za pamwamba mpheto chizunzo sadzaleka - kulemba mawu ndi wozenga ndi apolisi.

Ngati okhometsa kuyimbila achibale anu

N'zoona zosasangalatsa kwambiri mu mkhalidwe kumene okhometsa kuitana pa ngongole za anthu ena. Makamaka ngati ngongole alidi wanu, monga amaimba akukhudzidwa Mwachitsanzo, makolo ukalamba.

Choyamba m'pofunika kufotokoza banja kuti muzikhala ndi ngongole, inu kulipira posachedwapa ndi kuwafunsa iwo kuti sayenera nkhawa. Kenako, muyenera kufunsa okondedwa kukumbukira zimene mungathe sangakhoze kuyankhula kwa okhometsa ndi mmene kumanga kukambirana. Kupewa mavuto pokha, Mulimonsemo, musati kuulula nkhani aliyense payekha za iwowo kapena wachibale wa wokongolayo. banja lanu alibe kuuza wokhometsa mfundo iliyonse: dzina latsopano, adiresi, nambala ndi deta zina - ndi malonda anu. Ndi bwino moleza kubwereza kuti iwo alibe nanu kulankhulana mwachindunji, sankalankhula ndi sikukutanthauza kumene mungapeze. Ngati banja lanu kutsatira njira zimenezi, posapita nthawi, okhometsa adzamangidwa.

"Chimwemwe" Letters

Kuwonjezera kuti okhometsa kuitana pa ngongole wina, nthawizina iwo komanso kuchita "yobereka akulimbana". Tsiku lina m'mawa mungaone mu bokosi la makalata anu kalata yofotokoza kodi ndi zimene banki mukufuna, komanso uthenga womwe ngongole umasamutsidwa ku kampani deta. Pa nthawi Kalatayo angaoneke ndi zambiri, ndi Uwerenge iwo apitirize kuwonjezera. Nkhondo za ntchito okhometsa za mangawa lophweka - samva kwa izo. Nthawi zambiri, monga "katswiri" Kungoti zimasindikizidwa chosindikizira ofesi ndipo salolera aliyense wa zisindikizo ndi anasaina, kutanthauza izo zangokhala pepala kuti alibe mphamvu malamulo.

Ine Belo ...

mafoni kwa okhometsa pa ngongole wina akhoza kupulumutsa vuto zokhudza kwambiri, chifukwa nthawi zambiri iwo abwerezedwa tsiku lililonse ndi nthawi iliyonse tsiku. Ngakhale ngati kuitana pakati woyendetsa yekha aulemu, kuitana wachisanu kale kuchititsa kuyabwa ndi lakhumi infuriating.

Nthawi zina foni si yafupika chabe kulankhula ndi wantchito banki (wokhometsa kampani), ndipo akutenga khalidwe wokongola amphamvu, ndi ntchito kutukwana ndi kumuopseza motsutsa wamangawa ndi banja lake. Kumbukirani kuti zimenezi ndi oletsedwa ndi zinkatanthauza udindo chigawenga pansi Article 163rd ndi nambala 119 Wachifwamba Code (kulanda ndi kumuopseza kuvulazana motero).

zotsatira thupi

Ngakhale n'kukhala okhometsa kuopseza nongole ndi kunditumiza ku siteji ya yogwirana Mwachitsanzo, mukhoza Takulandirani kunyumba kapena kuntchito. Ngati ofesi akadali malo onse, kwambiri kuti mukhoza zingasokoneze Pankhaniyi - manyazi chowopsya, ndi sidelong kuyang'anitsitsa anzake. Koma kuno kwathu ayenera kusamala makamaka:

• Mulimonsemo, musati mulole alendo asanaitanidwe kuti nyumba ya;
• kuyesa kuti alembe kucheza pa foni kapena chojambulira mawu;
• kukambirana zonse zimalambira yekha pamaso pa mboni, monga anansi.

Okhometsa kuitana pa ngongole wina - chochita ndi mmene tingakhalire

Ngati inu simuli mwayi ndipo akukumana ndi antchito mukusowa banki kapena chopereka bungwe choyamba musati mantha. Kuti mwamsanga kuti asiye kulankhula zosasangalatsa, m'pofunika kukhala strategy bwino, chifukwa chiyembekezo kuti adzasiyidwa okha, izo si koyenera.

Chotero kodi ngati maitanidwe ku banki pa ngongole wina:

• woyamba wa zonse muyenera kupeza amene inu kulankhula, kudziwa dzina ndi patronymic wa gwero lake, komanso malo ake;
• anapitiriza kuyesa kupeza dzina zonse za gululi, adiresi ake zoona komanso malamulo komanso manambala a foni kukhudzana;
• kulemba deta ya ngongole, amene akuyembekezera wokhometsa (banki wantchito);
• mwakachetechete kumvera zosowa woyimba ndi kuwafunsa kuti funsani inu mtsogolo;
• Ngati woyimba akukana ndikuuzani deta pamwamba, bwinobwino tsekani kukambirana, ndi kuchenjeza kuti akufuna kutsatira akuluakulu yazamalamulo.

Lotsatira lidzakhala ndi kuchita zinthu mogwirizana ndi mmene zinthu zilili:

• Ngati pamene pali kuitana kwa m'munsi ndi (mwachitsanzo, munali guarantor kwa pangano ngongole womdziwa), anzeru tipezekemo kuthandizidwa ndi ngongole wazamalamulo, ndi ndodo ya chopereka bungwe (Bank) kupereka kupita ku khothi;
• Ngati inu monga anachita kukhudzana munthu pa mapeto a mgwirizano, ndipo makamaka pamene mulibe kuti wobwereka sikuthandiza - funsani banki kulongosola zimenezi, okhometsa pa lipoti kuitana chachiwiri ntchito atengedwa ndi zinthu zimene inu musavutike;
• kukachitika kuti adzaitana adzakhala kulimbikira - yesetsani kulemba kukambirana pa tepi, ndipo funsani apolisi ndi zinadziwika kulanda;
• ndipo ngati si kuthandiza - kulemba kuti wozenga ndi kudandaula chilichonse cha yazamalamulo.

Ngati zonse zalephera

Ngati kumene njira pamwamba musataye zotsatira anakhumba, ndi okhometsa pestering anthu usiku ngongole wina, njira yokha yothetsera woona ndikaonekere ku khoti. Mothandizidwa ndi loya oyenerera, tikhoza amanena reparation ku banki makhalidwe, ndi zina ngakhale kuvulaza mwakuthupi. Mwachitsanzo, ngati, adatha kulankhulana ndi okhometsa kuti kwambiri kuthamanga magazi ndi anafunikira thandizo la kuchipatala, gombe adzakhala unkayenera azilipira ndalama za chithandizo. Choncho ngati kulankhulana ndi okhometsa ngongole anakutulutsani "kusamalira", musaiwale kupulumutsa thandizo onse ku chipatala ndi macheke kwa mankhwala.