Kodi ndalama pakali pano, kapena mmene kutuluka mavuto azachuma

Anthu ambiri kamodzi pa moyo wawo ndi mavuto a zachuma. Zikuoneka kuti posachedwapa malipiro zonse, koma pa nthawiyo palibe ndalama. Kodi kuchita ndi kumene ndalama pakali pano? Mayankho a mafunso amenewa amapezeka m'nkhani ino.

Kodi ndalama pakali pano: njira zodalirika

Njira yabwino yothetsera vutoli - ndi chisanadze pambali ena ndalama kuwagwiritsa ntchito mu vuto. Ngakhale pang'ono m'chaka angakhale wabwino chitetezo khushoni kwa bajeti. Nzosadabwitsa kuti anthu wadziwa akulangizidwa kuti nthawi zonse mpaka 10% ya malipiro mwezi uliwonse mu Piggy banki. Motero, chotero Piggy banki sangathe nkhawa funso kumene ndalama pakali pano. Njira imeneyi zimathandiza inu nthawizonse ndalama, chifukwa zinthu zosayembekezereka angayambe nthawi iliyonse.

Thandizeni mabwenzi ndi anthu achinansi

Komabe, sikuti aliyense ali ndi mwayi pambali ngakhale ndalama zochepa, ndipo ena alibe kudziletsa. , M'mene analowa mu vuto la zachuma, mungathe kugwiritsa ntchito njira zotsatirazi. Ndithudi ife tonse ndi anzake, kutsimikiziridwa zaka zimene musasiye mavuto. Ndiye tikhoza angayamikire ndi pempho kubwereka ndalama. Ngati abwenzi izi ayi, mukhoza kupempha thandizo kwa abale awo. Amene ndikudabwa kumene ndalama pakali pano, mukhoza omasuka kulankhula okondedwa anu, kuthandiza pa mphindi. Mwachibadwa, ayenera nthawi malipiro chofunika, nthawi yomweyo kuthokoza mphatso yaing'ono ya utumiki. Iwo angakhale chocolate, koma pano n'kofunika kwambiri chizindikiro oyamikira, chifukwa posachedwapa abwerere amafuna thandizo la ndalama kuchokera kwa anzawo, anzawo kapena achibale.

Kodi kuchira ngongole ndi bungwe ndalama

Nthawi zina palibe chilakolako kapena mwayi ntchito kupeza thandizo la ndalama anzathu ndi achibale. Pankhaniyi, njira yabwino vuto angakhale ngongole ku banki kapena ngongole bungwe. The wokongola kwambiri mu nkhani iyi ndi banki. Pano mukhoza kutenga ngongole kwa nthawi zina pa mitengo m'munsi chidwi kuposa mu mabungwe yaying'ono-ngongole. Komabe, mabungwe banki ndi drawback - kuganizira motalika kwambiri pa ntchito. Munthu amene akufunafuna, komwe ndalama tsopano, palibe nthawi pokonza ofunsira sabata, ndi masabata zina zingapo. Ndiye ife angatanthauze mabungwe ena ngongole kumene ntchito ndi kuwunikira mkati mphindi zochepa, nthawi zina maola.

Ngati ngongole mbiri yanu imawonongeka

Nthawi zambiri pali oipa borrowers amene analowa vuto chonyansa chuma, kuyang'ana komwe kutenga ndalama pakali pano ndi zoipa ngongole mbiri. Apa kuthandiza akhoza kubwera microfinance gulu kuti akhoza kutenga ngongole kwa chaka chimodzi. Kupeza ngongole ngati ndalama zokwanira basi kusonyeza pasipoti yanu ndi fomu ya m'mbuyomu. MFI Ngopambana Pamatha ulemerero mbiri ya makasitomala awo, choncho kuti, ngati banki anakana ngongole nkhani, mukhoza bwinobwino ntchito ku bungwe ili ngongole. Komabe, dziŵani kuti chidwi pa ngongole adzakhala apamwamba kuposa mu mabanki, kotero bwino kuti ngongole kwa nthawi yochepa.

Lombard - chodalirika njira chotsimikiziridwa

Sikuti nthawi zonse chokhumba kutsatira mabungwe a zachuma. Izi zikhoza kukhala zifukwa zosiyanasiyana monga chosowa ndalama okhazikika, pamaso pa ngongole kwambiri kapena ena, kuteteza iwo kutenga ngongole. Njira kunja imeneyi akhoza kukhala pawnshop yachibadwa. Kodi nkhani, komwe ndalama pakali pano, zikhoza kukuthandizani kwambiri. Ndi chinthu chamtengo wapatali, mungathe kupatsira ndi chuma shopu. Pankhaniyi, inu simungakhoze nkhawa chidwi kukula, koma pokhapokha ngati katunduyo ali sanalinso ofunikira. Ngati mbali ndi ngale sakufuna kuti, ndiye kudzakhala kotheka kuti kugulanso pamene padzakhala ufulu ndalama. Tiyenera kukumbukira kuti phindu la ina adzakhala kukula tsiku lililonse likadutsa.

ngongole

njira ina kutsimikiziridwa kuti amalola kupeza ndalama zofunika kulikonse mu dziko, ndi ngongole. Ndi kuti mukhoza kupeza yankho la funso komwe kutenga ndalama pakali pano mu St. Petersburg kapena mu mzinda ena panthawi ina iliyonse. Ndi kokwanira kufika ATM yapafupi pakati chofunika kuchuluka kwa ndalama. Njira yabwino kwambiri chifukwa zimathandiza kupeza ngongole yaing'ono nthawi iliyonse. Makamaka yabwino kulipira ndi ngongole ku sitolo pamene mulibe ndalama zokwanira.

Ndipo ngati wobwereka angathe kale alipo ngongole, amene namwalira? Kodi kukhala imeneyi, kumene ndalama pakali pano mu St. Petersburg pamaso pa kupanda? Pankhaniyi, thandizo angafike anthu amene si mabungwe a zachuma ndiponso mwina kongoletsani zofunika ndalama. Nthawi zina ndalama zimenezo kulipira ngongole yakale, kupewa mwamsanga ndi ndalama. Choncho, kuchokera njira pamwamba kupeza ndalama mwachangu mu ngongole, mukhoza kusankha abwino kwambiri. Pankhaniyi, ndi zonse zofunika kukumbukira kuti ndalama bwino kutenga ngongole chimodzimodzi kuti kuchuluka logwirizana ndi mphamvu zanu, komanso kulembetsa nthawi yotero, kuti athe nthawi kusunga ndalama zofunikira. Ndi kotero inu mukhoza kulowa latsopano zinthu zosasangalatsa ndalama.