Loan kuti ngongoleyo ndi bankiyo - Kodi masewera ofunika kandulo?

Pa solvency makasitomala a angakhudzidwe ndi zinthu zosiyanasiyana. Iwo akhoza kukhala: kusintha ntchito, matenda, wasamuka, ndipo ngakhale ulesi kwambiri wamba. Ambiri a iwo kutha pambuyo angapo malipiro chilango, koma ena ndi zovuta pochitika. Pankhaniyi, muyenera kutenga ngongole kuti ngongoleyo ndi bankiyo.

Ngati inu kuganizira malamulo a mabungwe a zachuma poyerekezera ndi ngongole, akhoza motsimikiza kuti iwo ali wokonzeka kupita pa zokambirana yoopsa kwambiri anapereka omasukirana wathunthu pa mbali ya wobwereka lapansi. Choncho likukhalira osati chifukwa cha chikondi obwereketsa anthu, koma chifukwa cha chidwi wawo. Ndipotu ngongole vuto lililonse limakhala zimenezo kuphwanya loyamba la ulamuliro wa alipire ndi liyenela Kugawilidwa kwanthaka wa kuchuluka kwa ndalama malo, lomwe likukhudza mlingo ndalama za bungwe ndalama. Ngati simuchita ngongole kuti ngongoleyo ndi banki ina, iye asamukire ku zoipa. Pankhaniyi m'pofunika kukopa okhometsa ndi kulipira mautumiki awo.

Kodi kukonza tchuthi

Choyamba, wobwereka ayenera kudziwa kuti ali pafupi kuyamba mavuto ndi ndalama. Kuona msinkhu wawo, angagwiritse ntchito ku banki thandizo kwa masabata pang'ono isanayambike nthawi yovuta. Kuti akhale ndi nthawi yokwanira kupeza njira zothetsera vutoli. An anawonjezera bonasi Pankhaniyi sikudzakhalanso kufunikira kulipira ndalama kwa malipiro overdue kapena kuwonjezeka mu mitengo kwa kuphwanya mfundo imodzi ya pangano ngongole. Alipire wa ngongole ya gombe lina mothandizidwa ndi ngongole watsopano sikungathetse mavuto yaikulu ya kasitomala, koma wosamasula ndi pulogalamu utumiki kwa miyezi ingapo - kwathunthu. Childs, banki kumapereka mpata osati kupereka thupi ngongole kwa nthawi yaitali vuto la kusintha kwa malo a ntchito wobwereka. Choona chidwi ndi mabanki ambiri ayamba monga njirayi mu mgwirizano wake muyezo kubweza.

Zikavuta, banki angathandize makasitomala ake deferral lathunthu la malipiro chopangidwa. Pankhaniyi, muyenera chisakhale ndi kutenga ngongole kuti ngongoleyo ndi bankiyo. Mwina, popereka deta mabuku pa za ndalama chilli wobwereka adzapereka mwayi kwa miyezi 3 sizikupanga malipiro popanda chilango chilichonse.

refinancing

Today ife tikhoza kuwona malonda kulikonse akhazikitse pa gulu la "Tinkoff Bank". Alipire cha ngongole ina likuvutika ndalama zawo ankaimira mwayi kwambiri kwa anthu. Komabe, izi sizolondola kwathunthu. Kuthetsa mavuto a ngongole si ofunika kuphunzira ngongole imodzi ndalama bungwe kupereka ngongoleyo ndi bankiyo. The njira yabwino vuto limeneli lidzagwiritsidwa kupanga ngongole watsopano ndi mavuto komanso moyo wautali. Zoperekedwa kuti mbali yaikulu ya ngongole kale mudzalipidwa, gombe adzakhala wosangalala kukumana kasitomala wake. Chifukwa Pankhaniyi apeza ndalama zambiri ndipo dzipulumutse vuto wolembedwa ntchito yakulipidwa okhometsa ndi Kudandaula kubwalo lamilandu kupeza umwini wa chinthu chikole.