Mbiri ngongole ndi mochuluka bwanji awasungira kumene?

Nkhani akuuza zaka zingati anapitiriza mbiri ngongole, imaonetsa mfundo mbiri, kumene mungapeze mudziwe wammadzi ndiponso ngati chikalata ntchito kukonza.

Kodi ngongole mbiri?

Pamaso kuyankha funso mmene awasungira mbiri ngongole, tiyeni kuthana ndi maganizo kwambiri. mbiri ngongole - mndandanda wa mfundo za wobwereka yeniyeni, panopa ake ndi alipire ngongole, ndi pamaso pa ngongole zoyipa ndi arrears. Kuyenera akuti ngakhale amakhoma misonkho amene anatha analipira ngongole mosazengereza, naonso BCH mbiri ngongole.

History amayamba ku ntchito koyamba kwa ngongole ku banki. Gawo mutu kakunena zoyambirira za munthu pa pasipoti ndi chiwerengero inshuwalansi penshioni, msonkho chizindikiritso nambala. Chigawo chachiwiri ndi zambiri voluminous, chifukwa ndi kumene mfundo kusungidwa pa milandu ndi mphindi maganizo mu ngongole ubwenzi ndi banki. Khalidwe la Chigawo chachiwiri deta amakhudza ngongole ubwenzi nkhani iliyonse. The gawo lotsiriza ndi pansi loko, chifukwa lili ndi zachinsinsi za olemba ndi kuwonjezapo pempho kuti nkhaniyo.

Kodi ine ndikuwona nkhani yanu?

Ngati inu mukufuna kupeza munthu ngongole mbiri, muyenera kugwiritsa ntchito thandizo la banki lalikulu la dziko, kuti kulongosola zimene bungwe makamaka ndi ngongole mbiri, mmene chikalata amasungidwa, ndi zina zotero. Mukhozanso kutumiza kungofunsa kudzera e-mail, kutchula nkhani munthu code. Code akapatsidwa yomweyo pambuyo chonse cha pangano ngongole, monga ambiri ogwira ntchito za mabungwe banki chabe chete. Office ndi ntchito kuti afotokoze pempho la munthu pa udindo ngongole za boma. nzika A ali ndi ufulu kwa chaka chimodzi ufulu kupeza mfundo zokhudza mbiri ngongole. Nkhani kapena kutumiza ku adiresi imelo mu mawonekedwe kusindikizidwa kapena imelo. kafufuzidwe processing nthawi ndi masiku 10. atafunsira mobwerezabwereza zimagwiridwa pa maziko analipira.

Inu mukadali angatanthauze amasinthira iliyonse ngongole kapena ntchito yokonza banki. Ngati pempho watumidwa ndi makalata, zikalata ayenera kukhala notarized ndi kudikira yankho ndi makalata.

utali tidzakhalabe chikumbukiro?

Tsatirani funso, mochuluka bwanji mukusungira ngongole mbiri amasinthira, ziyenera ananena kuti mudziwe aliyense kasitomala amasungidwa Nawonso achichepere kwa zaka khumi kuchokera tsiku kulowa otsiriza, kenako deta atachotsedwa. Chotero nthawi yaitali chifukwa kufunika mabungwe banki kutsatira chiopsezo malamulo minimization pamene opereka ngongole. Yankho la funso limeneli, mochuluka bwanji awasungira zoipa ngongole mbiri, adzakhala yemweyo - zaka zosachepera 15. Akamaliza kwa zaka khumi ndi zisanu zaka zambiri mbiri kusinthidwa, zomwe zimapereka mwayi anachimwa wodandaulayu lingaliro zabwino ku banki.

Deta pa kasitomala lilipo okha mabungwe ngongole, komanso yazamalamulo mabungwe kuchititsa kayendetsedwe mu ulemu wa nkhaniyi.

Kodi amasinthira ndalama?

The Bureau ndi bungwe ndi ulamuliro chomveka ntchito zochita ndi mpheto mwachibale kwa ngongole mbiri ya anthu. Pali mabungwe angapo boma ankaimira boma m'kaundula.

Borrowers zambiri ndikudabwa kumene BCH zambiri pa chikhulupiriro chawo chabwino pankhani ya malipiro a ngongole, ndipo ngakhale anayamba kupanga madandaulo za kufalitsa nkhani zachinsinsi. Komabe, iwo amayiwala kuti iwowo kuika mudzichonga mu ngongole mgwirizano yoyenera. Deta za wobwereka anafika ku Nawonso achichepere, inu muyenera Aminoni zosonkhanitsira, processing ndi kufalitsa nkhani zaumwini. Kasitomala sigwirizana, koma mu nkhani iyi mwayi wake kupezako chiyanjo ngongole ali ang'ono.

Munthu amathanso kupeleka pempho kwa Catalog chapakati kuyang'aniridwa ndi Bank ku Central kuti apeze mfundo imene masitolo ndi njira Bureau deta yake. Ngati wobwereka wakhala analipira bwino payables akhale ndi chidwi zomwe za Kuyamikira kutseka anabwera zakafukufuku wa Bureau. Banki ngongole ayenera kupereka uthenga kusungidwa mu ofesi, pa mankhwala onse chatsekedwa ritelo, pa pempho.

Kodi n'zotheka kuchotsa zolemba zosafunika m'mbiri?

Anthu ambiri molakwa kuti ngati CRAs nyumba malonda, ndiye nawo pamtengo winawake, inu angalumikizane ndi mbiri bwino pa chochitika zosokoneza. Koma izi sizili choncho. Pa pempho angathe kukhala woyera ngongole mbiri. Kodi mfundo zambiri amasungidwa Nawonso achichepere, ndipo ambiri adzatsala kwa zaka 15. dongosolo lakonzedwa kuti palibe mwayi woti kusintha mwanjira mbiri yakale. Ngati wobwereka ndi kupereka zithandizozi, limatanthauza polimbana ndi scammers, pofuna ndalama pa umbuli wa makasitomala hapless. Pali mwayi imodzi yokha kukonzanso nkhani - ngati mfundo sizoona.

Ngati deta zoipa zinkaperekedwa zikalata wokwanira (monga kuti khoti), wobwereka ali yekha kwinaku - nthawi khumi zokha, pambuyo mfundo zake zichotsedwa. Ngati pali kukayikira zotuluka pa kuwonetsera deta, m'pofunika amatanthauza kusintha gwero deta ndi kuwonjezapo Mwachitsanzo, mu bwalo chifukwa chotsutsa zochita.

Kodi ndingatani kuti kukonza mbiri ngongole?

Ngati munthu ali ndi mfundo yosatsutsika yakuti cholakwa mu Nawonso achichepere, kuyenera kukanena kwa amasinthira. Institution adzamuika cheke utumiki pasanathe masiku makumi atatu pambuyo chiphaso cha mawu akeake. BCI mu nthawi ya kufufuza pomtuma pempho ku banki kupezeka ndi chikonzero cha ngongole zoyipa. Pamene jambulani uli wathunthu, zojambulidwazo kusinthidwa, ndi zinthu pachithunzichi zichotsedwa. Pa pempho unafunika kusankha lolembedwa ndi kulungamitsidwa mwatsatanetsatane.

Wobwereka akhoza ntchito mwachindunji ku banki, ngati akudziwa kuti kulakwitsa wakwawira izi bungwe makamaka ngongole. Kuti tichite zimenezi, muyenera kupereka kalata pempho mutu wa dzina banki a.

Borrowers ayenera kukumbukira kuti kubanki, ndithudi, zofunika ngongole mbiri. Ndi angati masitolo mbiriyakale, mukudziwa kufunika, koma zimenezo sizitanthauza kuti ngati pali akuchedwa pang'ono kubanki ndiye akutumiza maganizo oipa mu CRB lapansi. Bank mpaka posachedwapa kukumbutsidwa ngongole popanda kupanga kuwonjezapo iliyonse. Komanso, pamaso panu mantha kufunsa funso "mochuluka bwanji ngongole mbiri awasungira?" Inu mukudziwa kuti mabanki ndi magawo awo kwa "woyera" nthawi, kuti ngongole ovomerezeka. Mwachitsanzo, ngati wobwereka angathe panalibe ngongole vuto zaka zitatu zapitazi, zikuoneka kuti Bank amakhutitsidwa.