Lamulo la malire pa ngongole

Mwinamwake, aliyense wa ife nthawi ina ankakhala ndi ngongole. Kaya zipangizo ziyenera kugulitsidwa, kapena katunduyo anasintha, ndipo tikupuma nthawi zambiri osati ndalama zathu, koma zomwe mabanki adatipatsa pa chiwongoladzanja chachikulu. Koma sitiganizira konse ngati tingathe kuchita zimenezo. Tinalandira ndalama, ndipo nthawi zina sitingathe kulipira: wina atayika ntchito, ndipo ali ndi ndalama zina, wina sangathe kulipira ndalama zambiri, ndipo wina safuna kulipira. Ndi pamene nthawi ikubwera pamene kuli koyenera kubweza ngongole, kapena kupita ku khoti ndi kukayankha ku banki. Nthaŵi zambiri, mlanduwu umagonjetsa banki, zomwe zikutanthauza kuti chiwongoladzanja chimawonjezeka kumwamba ndipo sikutheka kubweza ngongole. Nchiyani chomwe chiyenera kuchitidwa pa nkhaniyi? Muyenera kugwiritsa ntchito chifukwa chomveka cholephera kubweza ngongole - pogwiritsira ntchito nthawi yolipira ngongole.

Koma bwanji kuti musakhumudwitse pa nkhaniyi ndipo musalowe mu ukapolo waukulu kwambiri? Ndizofunikira kuti mudziwe bwino maufulu anu, pogwiritsa ntchito lamulo la kuchepa kwa ngongole, zomwe zalembedwa mu Civil Code ya Russian Federation. Pakadali pano, ngongole imasokonekera pa ngongole ku Russia zoposa 12%. Zonsezi zikusonyeza kuti lamuloli lingagwiritsidwe ntchito ndi anthu ambiri. Chiwerengerochi chikunena kuti nzika iliyonse yachinayi ya m'dzikolo ili m'ngongole, pamene mphindi iliyonse yayiyi ili ndi mavuto ena ndi kubweza ndalama. Choncho, kungakhale koyenera kunena za chidwi chachikulu pa njira yotere ya osalipira ambiri.

Komanso ndikufuna kufotokoza, kodi izi ndi nthawi yanji ya ngongole? Iyi ndiyo njira yomwe malire a kubweza ngongole ndi zaka zitatu. Izi zikusonyeza kuti iwo omwe adalitenga ngongole akhoza kumatha nthawiyi, amangokana kulipira ngongole zonse. Koma kwenikweni, ntchito yonseyo si yophweka ngati ikuwoneka.

Izi ndi chifukwa chakuti nthawi ya kuchepa kwa ngongole imapereka zofunikira zina zovomerezeka. Kotero, mwachitsanzo, zaka zitatu izi siziyenera kukhala ndi mgwirizano pakati pa wobwereka ndi wobwereketsa: palibe zovomerezeka, palibe mayitanidwe ochokera ku banki. Pankhaniyi, banki imapitanso kumayesera onse kuti agwiritse ntchito ndondomeko ya malire a ngongole, wogonjetsa sangagwiritse ntchito. Icho chimapereka ufulu wonse kusonkhanitsa ngongole kwa osonkhanitsa, omwe kamodzi pachaka amakumbutsa ndalama zopanda malipiro. Umboni wa kuyankhulana kwanu sikungangotenga mauthenga okhudza kukambirana kwa telefoni, komanso siginecha yomwe imaperekedwa mutalandira kalata yolembedwera.

Ndiye kodi mumatha bwanji kuwerengera kuti malamulo omwe muli nawo pa ngongole yomwe muli nayo pakali pano ndi iti? Icho chiwerengedwera kokha kuchokera pa nthawi yomwe iwe umasiya kuleza kulankhulana ndi banki ndi oimira ake, izo zidzakhala pa foni kapena kukhala moyo - ziribe kanthu nkomwe. Zosatheka kulankhulana! Ndipo ngati, mwadzidzidzi, mutatha zaka zitatu mutalandira kachiwiri ku khothi, mukhoza kufotokoza chidziwitso , nthawi ino ikuyendera lamulo, lomwe limatchula nthawi ya malipiro.

Komabe, simuyenera kunyalanyaza nokha pa mabanki. Sadzakukhululukirani ngongole, choncho sangayembekezere zaka zitatu kuti afunenso kuchokera kwa inu ngongole. Adzachita izi kale kwambiri. Kapena, kuti asakhale ndi mavuto osafunikira, akhoza kugulira ngongole ku kampani ina.

Ndicho chifukwa chake zimayenera nthawi zikwi zambiri kuganiza musanagwiritse ntchito njira yopindulitsa kwa inu. Mwinamwake, kulipira pang'onopang'ono komwe kudzakuthandizani kusintha zinthu ndipo kudzakhala kopindulitsa kwambiri kuposa masewera anu obisala ndi banki kwa zaka zitatu. Chabwino, kuti mupewe mavuto ndi kubwezeredwa kwa ngongole, musagwereke ngongole nkomwe. Ndikosavuta kusonkhanitsa kusiyana ndi kuganizira za komwe angatengere ndalama kuzimitsa ngongole ina.