Vuto ndi ngongole kubanki ndi njira zake

The mavuto azachuma mu dziko, yodziwika ndi kugula mphamvu otsika ndi malipiro otsika, anthu amakakamizidwa kugula katundu pa ngongole. Komabe, kodi n'zotheka lero kugula yaitali nyumba popanda kutenga ndalama ku banki? Yankho la funso limeneli ndi lodziwikiratu.

Mawu: kutenga kapena ayi?

Komabe, akatswiri amanena kuti ambiri borrowers angathe poyamba akufuna awapatsa kukwaniritsa kudzipereka kuwonjezera ngongole: bungwe banki kubwerera olemekezeka ndi chidwi adadza akuthamanga. Komabe, pambuyo kusaina munthu zambiri anakumana ndi zinthu zimene simumaziyembekezera: iye sangathe ntchito, iye anachotsedwa ntchito, iye akapanda magwero a ndalama ... Inde, Pamenepa, wamangawa sangakwanitse kubweza dongosolo la zachuma, ndipo vuto ngongole ya.

Chinthu chowopsya kuti akhoza kukula ngati snowball a. Kuchuluka kwa zilango ndi chidwi kukula tsiku lililonse, ndipo pamapeto pake, wobwereka zikhale, iwo amati, "palibe mathalauza". Yankho A banki pa nkhaniyi ndi zosavuta kuoneratu. Iye sanali ndi chidwi vuto ndi ngongole, amene linachokera ku wokongolayo, iye amafuna kuti ndalama zawo kumbuyo, choncho amakopeka yothandiza magulu bungwe, nthawi zina sakubwerera kwa njira iliyonse: onse malamulo ndiponso mwachiphamaso kuti "gwetsa" ngongole kwa wobwereka lapansi. Inde, malo amene iye si enviable kwambiri. Kodi pali njira, pafupi pali vuto ndi Kuyamikira chiyani? Taganizirani funso ili mwatsatanetsatane.

Kodi kuchita

Kotero, zoyenera kuchita ngati muli mu msampha ngongole? Chinthu chachikulu - si kuti mantha kukhala malingaliro tisaledzere. Yesani ngati kuli kotheka kukhudzana pafupi ndi ogwira ntchito za bungwe ngongole ndi kufotokoza akamanena za mavuto anu ndalama.

N'zotheka kuti iwo adzatha kukumana nanu, ngati inu mungandiuze zambiri zokhudza chifukwa inu muli ndi mavuto ndi kupereka ngongole kwa. Kunena zoona kuwunika mlingo awo solvency ndi ogwira ntchito ku banki ozvuchte pafupifupi masiku a alipire ngati funso ya kukonzanso ngongole zithetsedwe ndithu. Kumbukirani kuti ngati mumasonyeza kuti sinditi manyazi maudindo awo ndipo akufuna kubwerera ndalama ku banki, mwayi kuti renegotiate mawu a pangano ngongole adzakhala ndithu mkulu.

chithandizo cha akatswiri

Ngati mapazi anu kuti vutoli ndi kupereka ngongole kwa akhala bwino, muyenera kufunafuna malangizo kwa katswiri. Pankhaniyi, mukufunika loya odziwa. Sikuti iye kutiyendera ndi machenjerero olondola a khalidwe ndi antchito a m'banja banki, komanso kukutetezani kuchimwa wa okhometsa.

Onani kuti vuto ndi ngongole ya ayenera kuthetsedwa akatswiri apadera, amene kale anathana ndi nkhani zofanana. Musakhale aulesi ndi kumupempha kuti amatsimikizira zimenezi.

Monga mmene mitala, pali njira zingapo zimene mavuto ali anathana ndi alipire cha ngongole. Tiyeni tione aliyense wa iwo.

Akuphedwa ngongole watsopano

Panopa, nambala yaikulu intermediaries mu msika kubanki. Osinthitsa anachoka ndi ufulu kupereka njira zawo vuto ngongole. Kodi? Inu kuzilongosola ngongole watsopano kulipira chakale. Chotero muyeso amatchedwanso ngongole refinancing. Chabwino, sitingathe kunena kuti zosinthika ichi ndi oyenera borrowers zonse koma osati Kuchotsera. Chinthu ndi kuti pogwiritsa ntchito njira imeneyi, mukhoza "kupha mbalame ziwiri ndi mwala umodzi" pa nthawi yomweyo, ngati ndalama kongoletsani ku bungwe lomwelo kubanki.

Choyamba, ngati inu angakonze ngongole watsopano, ndiye malipiro wina adzakhala anachedwa kwa masiku 30. Chachiwiri, ngati ngongole watsopano nthawi yaitali, ndiye mtengo wa mwezi "tranche" yafupika. Komabe, mukhoza kubwereka ndalama ku bungwe lina ngongole. Chinthu chachikulu ndi osiyana: ngati inu mumaganiza a defaulters njiru, ndipo muli ndi mwamsanga alipire ngongole, ndiye pa ndondomeko ya ngongole watsopano sangathe kuwerenga. Information za khalidwe lililonse mbiri ngongole ali m'kaundula wapadera makasitomala, ndi banki pa nthawi iliyonse akhoza kukhala woyanjana nawo. Koma ngati ndodo kuti osakhutira ndi izo, inu mukhoza ntchito misonkhano ya intermediaries ndi mbiri wopanda, limene kwa amalipiritsa avomera kuti apereke ngongole latsopano kwa inu.

ngongole kukonzanso

Inu simukudziwa mmene angathetsere mavuto ndi ngongole? Pali njira ina wamba. Amene ntchito amalandira madalitso ena ku banki: ndi kusintha kwa zingati pamwezi, nthawi ya malipiro ngongole, tsankho Kulipira ndalama ngongole. Kuti athe kulandira tatchulawa zokambirana, muyenera kukaona bungwe ndalama kudziŵitsa antchito za mavuto a zachuma ndi kulemba dzina la kasamalidwe ka ulemu m'banja ntchito yoyenera.

Monga mmene kumapeto, makampani banki, zina zabwino kusankha kulipira ndalama, zilango ndi ngakhale pang'ono kuti "mutikhululukire" kuchuluka yaikulu.

inshuwalansi

chenicheni lero ndi kuti pafupifupi obwereketsa onse amakonda kutsimikiza okha ndi mavuto a zachuma. Komabe, si borrowers zonse powerenga mawu a pangano inshuwalansi ngongole. Ndipo mu chikalata ichi zinalembedwa mfundo zofunika kwambiri, ndicho - imene milandu insurer kulipira ngongole m'malo wokongolayo. Childs, izi ndi mphamvu majeure: kulumala, kuchotsedwa imfa. Koma ngakhale mu milandu banki sikungathetseretu zonena za inshuwalansi kampani ndipo wobwereka. Ngati chochitika mwachindunji kwachitika, yotsirizira ayenera kutsatira kuti insurer, kuti kum'patsa zikalata zina, kenako yekha adzakhala ngati wokongolayo. Ndipo ayenera kuti analemba umboni kuti chochitika inshuwaransi amapezeka. Tiyenera kukumbukira, ndipo zinthu zina inshuwalansi kampani mwadala kuzemba udindo wake. Apanso pali mavuto ndi ngongole. Kodi kuchita? Choyamba muyenera kuteteza ufulu wao mu kampani ya inshuwalansi.

N'chifukwa chake n'zotheka kuti wobwereka adzazindikira nthawi yocheza pa litigation ndi insurer, ndipo apa m'pofunika kupempha thandizo oyenerera.

Kodi muyenera kukumbukira koma

Choncho, muli mavuto ndi kupereka ngongole kwa. Kodi kuchita imeneyi? Chinthu chachikulu si kutenga kudikira ndi kuona malo, poganiza choncho zithetsedwe palokha. Tiyenera kuchita khama kwambiri. apilo zonse bungwe ngongole ayenera kulemba. Chonde dziwani, mwamsanga mudzayamba "kusuntha", m'pamene angathe kuchepetsa ndalama ndi zilango. Musaiwale kuti gawo la mikango mabacteria ngongole zosowa ogula imapereka "wadzaoneni" ziletso, ngakhale kuti lamulo la mtengo ayenera musapyole malire ndi kukhala kwambiri kuposa Uwerenge ngongole yaikulu.

Ngati ena siteji ya "kukambirana" ndi banki muli mavuto, muyenera yomweyo kupempha thandizo kwa katswiri. Ndipo apa m'pofunika kuganizira kuti ena maloya mautumiki awo amafuna chisanadze malipiro, pamene ena kupempha ndalama pambuyo adzakhala kuonekera chifukwa.

Loan kwa ogulidwa nyumba

Masiku ano anthu ambiri anakakamizika kubwereka ndalama ku mabanki kugula nyumba. Chabwino, cholinga cha zabwino, koma musanayambe kusankha pulogalamu makamaka a kubweza kukongoza, mosamala ndi "ubwino" zonse ndi "kuipa." A ziyenera amaona maluso chuma, kuyambira mitengo mwezi ayenera analipira kwa zaka zambiri. Apo ayi, n'kutheka kuti muli ndi vuto ndi kubweza ngongole.

Kodi kuchita

Kumbukirani kuti kusakhulupirika kwa pangano ngongole pa kugula nyumba malo banki ndi amphamvu kwambiri ndipo bwino.

Apa ndi zokayikitsa asintha kuti wobwereka, chifukwa ndi "zazikulu" ndalama. Ngati ngongole kwa miyezi 2-3 mochedwa kupanga malipiro gombe, monga ulamuliro, ntchito "lipenga khadi" - ufulu kugulitsa nyumba ili chikole cha. Ndithudi, iye anali kwambiri kulangidwa wobwereka. Komabe, ngati pali njira pake?

Zodabwitsa, koma inde. Ngati iye ali ndi wopanda ngongole mbiri, pa kayendetsedwe ka gulu ndalama akhoza kutenga lingaliro zabwino kupereka nthawi chisomo chachikulu mpaka masiku 180. Pa nthawi imeneyi, wamangawa asabwezere kokha chidwi, kenako compensates kwa malipiro alionse anaphonya kapena kusintha ngongole ndi akupereka tsiku lomalizira zopereka. Komabe, funso kapena kupereka ufulu kusintha, anaganiza payekha.

Ngati banki angathandizidwe ndi bwalo ndi kulipira kanthu?

Komabe, zimachitika kuti banki sakufuna kukumana wamangawa wake, kuwadziwitsa zimene wopekayo litigation. Mu zina zoterozo ndi maganizo, ndipo kenako anayamba abwezere ngongole. Komabe, njira imeneyi khalidwe sizimatanthauza, chifukwa kuchuluka kwa ndalama pochedwetsa ikukula tsiku ndi tsiku, ndi nthawi choncho anafika m'bwalo kuchuluka kwa kukula zina zoopsa. Choncho, akatswiri osati kuzimitsa gawo la ngongole: ngongole mbiri wakhala akadali kutali yabwino, ndi ndalama adzakhala pachabe, chifukwa tsiku lotsatira kukula kwa ngongole adzakhala kachiwiri mtengo wakale. Sayenera makamaka mantha litigation. M'malo mwake, ayenera potsiriza kuthetsa ubale wanu ndi banki. Chisankho bwalo adzaika chiwerengero cha ngongole, zimene sadzakhalanso accrue zilango ndi chidwi. Ndipo kukula awo pa mlandu M'malo mwake, zikhoza kuchepetsedwa. Chifuniro cha bwalo adzakhala ndi bailiffs, amene kwambiri wokhulupirika kuposa ogwira ntchito mabungwe deta. Ndipo kuyambira nthawi imeneyo, mukhoza njira kuti osachepera pang'ono kubweza ngongoleyo. Ndipo ngati inu kutenga maganizo chabe, ndi bailiffs akhoza kukakamiza wanu katundu kudwala. Choncho ndi bwino kuti akapereke chigamulo cha bwalo, pang'onopang'ono kupanga ndalama. Ndipo ngati inu adzatha kwathunthu kulipira ngongole kubanki, ndi bwino kunyalanyaza njirayi.