Kodi kuwerengera ngongole: akukonzekera ndalama.

Chiwerengero cha katundu ndi ntchito ankadya ikukula chaka chilichonse monga zinthu poyamba kufikako kuti anali kusiya kaye zaka, munthu sangathe kugula "pano". Ndi zokwanira kutenga ngongole ndi kulipira pang'ono mwezi uliwonse, ndi kale anapeza kufunika, ndipo palibe kudikira ndi ndalama kwa nthawi yaitali. mfundo zake mikangano imeneyi kumeneko, koma pamaso panu kuthamanga ndi kutenga ngongole ku banki woyamba, umene amapereka "otsika chidwi", tiyenera kuwerengera pazipita ngongole ndalama. Kenako yerekezerani ngongole anatipasa ku mabanki osiyana ndi kusankha njira yoyenera.

Mukhoza kuyamba ndi mawerengedwe a pazipita kuchuluka kwa ngongole Chiwerengero, amene mabanki kupereka pa awo Websites boma. Kuchuluka chomaliza cha ngongole ndi iwo amayembekezera yovuta kwambiri, koma inu mukhoza kuyenda pa izo. Osachepera, mukhoza kuona kuchuluka imene mukuona kuti agwirizane mumapeza anatsimikizira. webusaitiyi banki angathe kufika ndi mawu a ngongole ndi ndi mitengo panopa chidwi. chidwi ziperekedwe kwa mabungwe banki, zilango ndi kufunika inshuwalansi.

Ngati inu mukudabwa momwe kupeza ngongole wanu, muyenera deta onse. Kukwera banki wina kuchuluka, muyenera kubwerera ndi chidwi. Chidwi kuzimitsira differentially zambiri masamu pogwiritsa ntchito mfundo zotsatirazi:

Chidwi kuchuluka = (kuchuluka kwa ngongole * chiwongola dzanja lapachaka) / 100 * 12

Musaiwale kuti kuwonjezera kuchuluka uyu wa olemekezeka, komanso onse a mabungwe awa. Zilango mabanki ambiri amalowerera kwa mochedwa ngongole othetsa kapena kuthetsa wa limanena kakang'ono kuposa anthu zafotokozeredwa dongosolo. Ngati muli ndi chidwi mmene kuwerengera ngongole, koma koposa m'mene inu mukhoza kupempha banki kuti pazipita, mungathe kugwiritsa ntchito mfundo zotsatirazi:

SP = P / (T 1) * pachaka chiwongola dzanja pa ngongole ya mu rubles / 2 * 12 100 *

Kodi SP - kuchuluka pazipita ngongole, P - ndi solvency wa borrowers, ndipo T - crediting nyengo mu miyezi lonse. Kumbukirani kuti ndalamazo aliyense banki idzasintha malangizo a kucheperachepera, malinga m'badwo kasitomala, kutalika ntchito, pamaso pa zabwino ngongole mbiri, mtendere wa ndalama zake, kupezeka kwa inshuwalansi, amadalira, etc. creditworthiness wa makasitomala kuchita masamu ndi chilinganizo osiyana:

P = Qh * K * T, kumene

Qh - pafupifupi ndalama (ukonde) kwa miyezi 6 pambuyo deducting malipiro yonse yokakamiza, K - Chinthu umagwiritsidwa, ndipo T - Miyezi. Lamulo malipiro - ndi msonkho, kuthandiza mwana ndi ndalama zina. Pakuti pensioners ndalama amatengedwa ngati penshioni pamwezi.

Pakuti munthu amalonda solvency kuchita masamu malinga chiwembu osiyana. Kwa amene atapereka ngongole adzafika mu zaka zopuma pantchito, luso kulipira adzakhala pang'ono m'munsi chifukwa "miyezi penshioni" amaonedwa, pa maziko a zochuluka za penshioni osachepera.

njira munthu aliyense kasitomala, kuwonjezera china chirichonse, ndi monga kugwiritsa ntchito zinthu zoyenera chilango kuwerengetsa ndalama pazipita ngongole.

Kuwerengetsa ngongole ndendende momwe kuti banki, zimakhala zovuta. Choncho, pafupifupi mabanki onse mwamphamvu akulimbikitsidwa onani kapitawo ngongole ku banki tikupeza mafunso onse pa malopo. Monga ulamuliro, ngakhale pa upo choyamba, kapitawo ngongole ukhoza kuitana weniweni "denga" kuchuluka ngongole.

Asanapite ku banki, kuyesera mwabwinobwino kuwunika mphamvu zawo. Osati kanthu pa chiyambi cha nkhaniyi akufuna kuwerengera ngongole, koma kuchuluka kwa zimene muyenera kubwerera. Mwina cholinga chanu kuti zonse nthawi imodzi, osati malinga ndi zosowa koma akufunira yosavuta. Kupereka ndalama ndi ovuta kwambiri kuposa kulandira.