Kodi kupeza ngongole ndi zoipa ngongole mbiri

Ngongole anasangalala iliyonse chachiwiri m'dziko lathu. Iwo amakulolani kugula chinthu mumaikonda mwakamodzi, popanda kuthera miyezi kapena zaka kudziunjikira. Anthu ambiri, makamaka achinyamata, tchimo mochedwa kupereka ngongole kwa. "Big zambiri, analipira kwa tsiku (a sabata) Patapita kwa foni yatsopano selo, kodi inu analipira chomwecho." Pa nthawi yomweyo iwo sakuzindikira kuti chifukwa cha delinquencies awa anapanga oipa ngongole mbiri. Anthu kuganizira momwe kupeza ngongole ndi zoipa ngongole mbiri kokha pamene mabanki kuyamba kuwasandutsa kutali. Nthawi zina chifukwa cha kupanda si chosasamala yosavuta mavuto cholinga ndalama. Munthu akhoza kungowauzira kukumbukira mavuto cha 2008 , pamene anthu masauzande anachotsedwa ntchito ndipo sadathe kulipira ndalama. Ambiri a anthu mu zaka zingapo, pamene anali osauka anali bwino, anakumana ndi vuto lalikulu bwanji kupeza ngongole ndi zoipa ngongole mbiri.

Yankho ndi chimodzi - ngongole mbiri (mwa kulankhula kwina - kukhulupirira mabanki) adzayenera kubwezeretsedwa. Mfundo si kudya, koma zenizeni. Ine sindikuganiza kuti zaka zisanu zapitazo, malipiro mochedwa kwa TV wotchipa kutha kubweza lapansi. Kuti ayambenso kukhulupirira, pamaso pa ngongole ndi zoipa ngongole mbiri, mungachite mu sitolo ngongole kwa chitsulo mtengo chotenthetsera madzi, kapena DVD- player. N'zokayikitsa kuti banki ukulephera mu nkhani iyi, chifukwa kuchuluka ngongole ndi yaing'ono. Ndi kokha kulipira pa mwezi izo anasonyeza "chunks." Kapena tiyenera kutseka ngongole oyambirira. Banks zambiri sindimakonda opereka kwambiri khama, chifukwa mu nkhani iyi iwo alibe kupindula chidwi.

Pamene ngongole woyamba bwinobwino kutsekedwa, mukhoza kutenga chachiwiri, akuluakulu, chifukwa Ndithu lathyathyathya kapena m'nyumba pali chinthu yaitali overdue kuti m'malo. Iwe ukhoza kugula plasma TV, ndi zotsukira zingalowe kapena chakudya chabwino zitseko zamkati. Yachiwiri - kutenga ngongole ndalama kubanki. Zingapo ngongole ngakhale ang'ono kwambiri tweak si wanzeru ngongole mbiri. Ndiye kale kupanga ngongole kwa nyumba kapena galimoto, ambiri, kuti ine ankafuna kuti ayambe. Kumene, mu nkhani iyi, muyenera kulipira popanda kupanda, ndiye kachiwiri kuti kuphwanya mutu wako mmene kutenga ngongole ndi zoipa ngongole mbiri.

Chabwino, mwina wina amene angagwiritsidwe ntchito - amatchula Makampani mkhalapakati. Musanayambe amatenga ngongole ndi zoipa ngongole mbiri, muyenera kulipira iwo amalipiritsa, koma nthawi ndi zedi.

Bad ngongole mbiri - si vuto yekha. Ambiri amachita chidwi ndi funso bwanji ndi kumene thamo popanda kutchula malipiro. Nthawi zina zimakhala zovuta kwambiri vuto yodalirika ngongole mbiri zoipa.

"Gray" mphotho mu envulopu kudabwa aliyense, kuphatikizapo mabanki. Ambiri a iwo kuti kukopa makasitomala, monga akusonyeza kuti kupereka ndalama popanda kutchula (nthawizina insuring mavuto guarantors), nthawi zina popanda guarantors. Kumene, Mwina otsala ufulu wa ndalama zawo ku banki mu nkhani iyi, kumaonjezera nthawi zambiri - m'mawu malipiro awo enieni sangathe anakokomeza mu nthawi 5-10, momwe tiyeni m'maganizo ndi chikumbumtima. Nthawi zambiri, wobwereka alibe cholinga koyamba kuonera banki - Iye amafuna kuti ndalama pano, ndipo kenako Sangathe kupirira ndi kuchuluka zachuma. mavuto awo mu nkhani iyi, banki compensates mlingo wapamwamba pa ngongole ya - nthawi osachepera 1,5-2 kuposa pansi chofanana, koma ndi kalata yothetsera.

Ngati simukufuna kuti overpay, m'pofunika kupempha dipatimenti mlandu kusaina chikalata 2-DZENJE malipiro weniweni kapena mwachindunji magwero angapo ndalama. njira ina imene mukhoza kupita kwa katswiri ngongole (ngakhale ngati ife sindikuyankhula za zinkafuna) - foni ku bwana, amene adzatsimikizira malipiro enieni. Nthawi zina mabanki kugwirizana (monga Mwachitsanzo, mu nkhani ya kubweza a) kuganizira revenues onse. Limafotokoza wopereka lophweka - banki akhala cikole katundu, amene sakhoza kusankha, ngati wobwereka amakhala insolvent.