Kodi wabwino ndi kubweza popanda malipiro?

Ambiri borrowers lero akufuna kubweza popanda malipiro mu 2013 yagwiridwira bwinobwino. Imeneyi, zambiri zimadalira zimene munthu palokha. Komanso udindo wofunika kwambiri kuti zochita adzapatsidwa ku bungwe ena ndalama pa ntchito opereka ya kubweza ngongole.

Kodi ndi kubweza ngongoleyo, ndipo kodi ubwino wake?

Izi mtundu wa ngongole ndi yaitali ndalama kugula nyumba zawo, amenenso amachita monga chitsimikizo. ubwino ndi kuti zilipo, popereka chidaliro m'tsogolo ndipo kwambiri opindulitsa.

Chifukwa kuwonjezera chidwi pa kubweza chiyani?

Pamene wobwereka si ndalama zawo, ndi chiopsezo cha banki. Ndalama mwapatsidwa kwa nthawi yaitali imene wobwereka mosavuta kukhala insolvent. Umboni angatchedwe mavuto posachedwapa, amene mwamsanga inasanduka chuma zidutswa achabechabe pepala, ndi ovomerezeka borrowers insolvent.

Kufika kutenga sitepe monga kubweza popanda malipiro, magombe amakakamizidwa kutsimikiza
ngongole. inshuwalansi Ichi ndi kuyamikira ngongole mothandizidwa cha kuchuluka chidwi ngongole ya. Ngakhale lero chiopsezo izi si chovomerezeka kwa osunga ndalama, ndipo kupeza obwereketsa wokonzeka kupereka mautumiki awo popanda njira yake, N'zosatheka.

Kodi chofunika n'chiyani kuti kwavomelezedwa ndi kubweza popanda malipiro?

Wosuta ayenera kukhala gawo la mtengo wa malowo akufuna kupeza. Mu mawu ena - amalipiritsa koyamba, zomwe ziyenera kukhala pansi kubweza lapansi. Kawirikawiri ali kuchokera pa 0 ndi 90. Apo ayi, ndi kubweza popanda malipiro kutenga
zosatheka. Pachifukwa ichi, ngati pali kufunika ngongole zimenezi, monga chopereka, mungagwiritse ntchito ogula ngongole kapena ndalama zimene anali analandira kwa kugulitsa katundu.

Pamene ndingapeze kupatsidwa ndalama?

A yabwino kuchuluka kuchita masamu kokha pamene lalikulu malipiro koyamba. Ngati mukufuna kusankha njira yabwino, ndi kukula kwa nthawi ngongole, muyenera kugwiritsa ntchito Chiwerengero wapadera kuti wakhala mwapadera analenga Mwaichi, kapena mungagwiritse ntchito ku malo kubweza ngongoleyo.

Amene banki ndi otchuka kwambiri?

Kukachitika kuti ngati wobwereka kuthekera ngati kubweza wopanda malipiro, mpaka kulembetsa ake kubanki ayenera kudziwa kuti utumiki limapereka Mabwana ndi kutukula Mabaibulo osiyanasiyana. Pakali pano, wakhala akugwira ntchito angapo mu mabungwe. Iwo ali otchuka kwambiri pakati pa anthu, ndipo amatchedwa "kubweza ngongole popanda malipiro kuchokera ndalama Bank." Izi ndi kuwala pamapeto a m'ngalande mabanja wamng'ono chabe anaonekera, ngakhale kuti anthu achuluka. Ndi zothandiza ngati pali kuthekera kwa kukonzedwa ka njira ndalama. Pali, ngati inu choyamba ogula ngongole, ndiyeno nkutenga wina wotchedwa "kubweza ngongole popanda malipiro." Koma musaiwale za mawu ndi ayenera kuchita masamu, momwe mudzakhala ngongoleyo pa mwezi, moti kenako palibe mavuto.