Grace nthawi. Kodi kugwiritsa ntchito mwanzeru

Malonda mosalekeza limatitsimikizira kuti chofukizira aliyense wa ngongole angathe kupeza ndalama pa ngongole popanda chiwongoladzanja kwa nthawi ndithu, zimene angakhale zopanda mwezi umodzi kapena iwiri, ndipo nthawi zambiri. Ambiri kuzemba panyumba kukayikirana kuti izi ndi nkhambakamwa chabe kukopa nkhani. Komabe, magombe kwambiri ngati mwai akhoza kwambiri kusokoneza fano. Palibe chinyengo pano. Ndikofunikira pamaso kusainira mgwirizano ndi bungwe ngongole kuphunzira mawu mosamala. Choncho zimene zili pansi pa wokongola akuti "chisomo nthawi"?

Kulankhula kwenikweni, ndi nthawi mpaka mapeto a amene mungagwiritse ntchito anakongola ndalama popanda kulipira chidwi kwa izo. Akuti zonse ndi yosavuta, koma amachita zimenezi ngongole ndi nthawi chisomo ngongole wosindikiza mabanki osiyanasiyana amagwira ntchito m'njira zosiyanasiyana.

Kodi muyenera kulabadira

Choyamba, mfundo ndi "chisomo nthawi ngongole", monga ulamuliro zikhudza wotuluka mwa kulipira kugula ndi khadi, osati withdrawals ndalama. Kuchotserapo, ndithudi, pali, koma pamaso panu kulowa mgwirizano, onetsetsani kuti kumveketsa mfundo imeneyi.

Kulakwitsa chachiwiri chomwe anthu ambiri a makadi, akuti kuti ntchito amachotsedwa khadi ndalama "ufulu" ngati nkotheka panthawi ananena mu malonda. Ndipotu, izi sizichitika nthawi zonse. Choncho, ngati nthawi chisomo ndi masiku 60, sikuti amatanthauza kuti ndi kuchotsa khadi ndalama nthawi iliyonse, inu mukhoza kubwerera pasanathe nthawi imeneyo si kulipira ndi chidwi.

Mwatsatanetsatane, ndi "chidwi-free" ntchito ndalama anabwereka tichipeza awiri magawo:

• Pamudzi (nthawi pamene inu mukhoza ndalama kuchokera khadi);
• malipiro (akuyamba kutsatira Pamudzi ndi kupatsidwa kunja kulipira ngongole zake zonse).

Ndi zigawo ziwiri izi kuwonjezera kwa chithunzi yolonjezedwa ya masiku 50, 60 kapena kuposa ntchito chidwi wopanda ndalama. Gawo lachiwiri ndi yosavuta, ndi kuliika chiwerengero cha masiku, banki anasonyeza, nthawi zambiri wofanana 20. Koma nthawi ndi kuthetsa akhoza kumatanthauza m'njira zosiyanasiyana. Ngati mudzalandira watsopano ngongole, nthawi chisomo mukhoza kuyamba pa nthawiyo?

• khadi kutsegula;
• choyamba kuchotsedwa njira zake.

M'tsogolo, akuti izi zikhoza limanenedwa ngati osiyana ndi wofanana:

• otsalira kufikira mapeto a kalendala mwezi chiwerengero cha masiku;
• ndi kuliika chiwerengero cha masiku kuchokera tsiku kanthu ndi mapu (nthawizina wofanana nthawi malipiro).

Choncho, m'nkhani yoyamba, ngati kuchuluka anali kudzipatula 1 chiwerengero, nthawi chisomo chidzakhala masiku 50 (a kalendala mwezi + masiku 20 malipiro nthawi), koma ngati inu kuyendetsa opareshoni manambala 15, kugwiritsa ntchito njira kumanzere (masiku 15 lisanathe mwezi + masiku 20 nthawi zolipiritsa = masiku 35).

Ngati chachiwiri, ndipo lililonse la pulasitiki wotchipa, nthawi chidwi-free akhoza kukhala otsika monga masiku 20.

ndi phindu banki Kodi

Likukhalira: kuchuluka kwa nthawi mungathe kugwiritsa ntchito ndalama anabwereka kwaulere. Chifukwa obwereketsa pitirani? Ndipotu, nthawi chisomo - ntchito zothandiza mbali zonse. wosuta ali mwayi kugula pa mawu yabwino (ngati muli ndi nthawi ngongole pa nthawi). Chabwino, banki adzalandira kuchuluka m'malo aakulu (pa 20% pa annum), ngati kasitomala Kodi Osabwezera ngongole kumapeto kwa gawo chidwi wopanda. Mwa njira, ngati khadi wapatsidwa kuchuluka kwa rubles 30,000, ndipo asanafike mapeto a nthawi chisomo anali chimatha 25,000, kuchuluka kwa ntchito ndalama alibe kulipira 5,000 rubles, ndi pa kuchuluka lonse.

Choncho, popeza ankaphunzira mawu a ndalama, tikhoza molondola kutaya iwo.