Kodi kudzala omwe sanali kupereka ngongole: onse mokoma ndi ovuta nkhani

Lero iliyonse banki akhoza kutenga ngongole popanda vuto. kuti zimenezi ntchito ndi zambiri monga njira ina kugula katunduyo mtengo monga galimoto, ndi kovuta.

Vuto si onse borrowers akhoza mwabwinobwino kuwunika mphamvu zawo ndalama. Chifukwa cha zimenezi zimadzetsa chakuti iwo anaphwanya ndandanda ya malipiro ndipo amakumana ndi zilango. Ena anayamba kudabwa: "Kodi kudzala omwe sanali kupereka ngongole"?

Kuwonjezera bungwe ili ngongole zambiri amakhazikitsa ndi chiwongola dzanja mpweya, kuti mwanjira azilipira kwa zomvetsa amene angakhalepo chifukwa cha kuyenda udindo ndi wokongolayo.

Ndipo komabe, funso kaya kudzala omwe sanali kupereka ngongole ndi, phindu la aliyense yemwe akufuna kubwereka ndalama ku banki. Tiyeni tione mwatsatanetsatane kwambiri.

Kodi akatswiri amanena

Ndithudi, m'munda wa akubwereketsa akatswiri poyankha funso ngati kudzala omwe sanali kupereka ngongole, mu chiphunzitso si amapatula ntchito kumangidwa mu ulemu wa wobwereka lapansi. Koma masiku ano mchitidwe wofanana milandu - m'chipani.

Banki bungwe pa siteji oyambirira kusakhulupirika zinthu ngongole ya mgwirizano wobwereka uyamba kanthu kuonetsetsa kuti kudza kwa ndalama ndi chidwi chawo pomwepo. Pa nthawi yomweyo mabungwe a zachuma sindikufuna kuti kuchita "kugodomalitsa" ndalama kwa ngongole mwini mwina amagulitsa ngongoleyo mabungwe deta. Mwachibadwa, opanda pake polekanitsa ndi ndalama zawo, ndipo amapeza ofesi zatchulidwazi pokha pokha kwambiri.

Otsiriza, ndithudi, si nthawi zonse ntchito malamulo, komanso kuti zikachitika olakwa komanso sindikufuna. Choncho, nthawi zambiri kokha chida awo - kuopseza ndi foni. Ndipo izo ziri apa kuti borrowers ndi kuganiza kaya kudzala omwe sanali kupereka ngongole kwa.

Udindo sanali kupereka ngongole

The malamulo a boma lilibe ndizigwirizana kuti kodi m'ndende chifukwa cholephera kupereka ngongole. Komabe, mu yazamalamulo akhala nthawi imene defaulters anamangidwa, koma zochita zawozo anayenerera chinyengo.

Pa nthawi yomweyo iwo analibe katundu aliyense amene kotheka zoika chilango.

Yesani kuthetsa vuto nokha ndi banki

Ngati ndinu ina kuzindikira kuti mukhale nawo mavuto ndi malipiro a ndalama abwereka, ndi bwino kuthetsa nkhaniyo ili ndi gombe popanda mikangano iliyonse. Ndiye inu mulibe pachithandara ubongo wawo kaya atamangidwa sanali kupereka ngongole kwa. Kupewa ntchito miyezo banki kwambiri, kuti akhutire kuti mulibe kusiya alipire ngongole ndi kufotokoza zovuta zimenezi. Ndithudi banki adzapita kukumana nanu ndi kusintha alipire ndandanda ya malipiro.

Ngati gombe si wokhulupirika kwa inu, ndiye kulankhulana ndi kusonkhanitsa bungwe inu mwatsoka sangathe kupewedwa.

Choncho Mulimonsemo, musalole mawonekedwe kuphwanya udindo, monga sanali kupereka ngongole kwa. Kodi likuoneka ndalama nevozrat - inu ankadziwa.

litigation

Komabe, kulankhulana ndi ndodo ya ofesi ya wamba - si chizindikiro chabe cha mphamvu pa wokongolayo. Kumene, mabungwe banki kuti akalowe ku makhoti kuteteza zofuna zawo.

Ambiri mwina kufunsa funso zomveka: "Ngati ife kukhala sanali kupereka ngongole Kodi likuoneka mwina kuphwanya zikhalidwe za mgwirizano ngongole ngati, ngati izo zifika ku bwalo lamilandu"? yankho ndi lodziwikiratu: wobwereka ali kwambiri anakhudzidwa mu ulemu zakuthupi: pambali chakuti iye adzafuna kubwezera gawo kapena onse ngongole, izo kuyala kukhoma zilango ndi chidwi. Ndipo pamene izo zifika ku kuzemba achinyengo ngongole mwaunyinji (oposa 250 zikwi), khoti kuti sanali kupereka ngongole zingachititse kuti munthuyo chilungamo.

Pambuyo kuchuluka kwa kanthawi kulowa mu mphamvu ya kuchita zotuluka amasankha Kuthi malamulo, ndipo chuma chonse chopezeka cha wokongolayo anamangidwa mokakamizika.

Mulimonsemo, mu zinthu za kusakhulupirika ngongole, simungakhoze kuchita popanda thandizo la loya odziwa. Iye adzatha kuchepetsa zilango ndi anthu ena ngakhale kuzindikira ndikupeleka yosagwira pa kukongoza.

Chabwino, ngati chiweruzo kale zadutsa, ndiye loya adzayesa kupeza chifukwa kuchedwa kwake.

Pomaliza

Kuchepetsa mavuto a zachuma ndi banki, kuganizira mosamala tisanasankhe ngongole. Ngati mulibe chikhulupiriro cholimba kuti mudzatha popanda kuwononga yokha mwezi uliwonse kusiyana ndi ndalama nth cha ndalama, ndiye, ndi ngongole, muyenera kudikira. Kumbukirani kuti ndalama muyenera kubwereka mwanzeru pasadakhale kuwerenga mphamvu majeure mavuto onse amene angakhalepo pankhaniyi.