Mangawa pa ngongole: chochita? Loan kulipira ngongole zina

Kwafalikira msika ngongole kumabweretsa mfundo yakuti anthu azolowere moyo sangaukwanitse. A mwayi weniweni yomweyo kupeza ntchito chinachake chimene sichiri mtengo ndithu, kukakamiza ambiri kubwereka limanena yaikulu popanda kuganizira kuti pakapita nthawi, ndalama adzayenera kudzapereka.

Tengani wina, ndi kulipira awo

Nthawi zambiri mwadzidzidzi kunyamuka, matenda kapena irresponsibility monga zoletsa wobwereka kukwaniritsa ngongole udindo wake pa nthawi. Koma kuyiwala ngati "ankachitira" mwachilungamo mosavuta. Kumvera angapo zina zolepheretsa munthu wabwino kwa malipiro mochedwa, m'pamenenso muyambirenso malangizo awo chuma. Koma nthawi zambiri, zinthu zonsezi zambiri zovuta. Ndi mavuto azachuma, anthu ambiri kutaya luso lawo kulipira. Kaya izi chifukwa imfa ntchito kapena zifukwa zina, si kwambiri.

Mangawa pa ngongole. Kodi kuchita? Mavuto mu moyo ndi wanu chikwama

Pambuyo powerenga pangano lililonse ngongole, ndinu wotsimikiza kupeza pali mfundo zomwe mwamtheradi ayenera awadziwitse banki kusintha kulikonse mu moyo wanu, kaya ndi kusintha kwa adiresi, malo a ntchito kapena banja. Makamaka izo nkhawa luso lanu kulipira. Chinthu choyamba inu muzichita - kupita ku banki likhale bwino kwa masabata awiri kapena atatu pamaso zikamera sikhala ngongole. Yesani kukambirana ndi amodzi kapena kusinthidwa kwa ndandanda malipiro. Kotero inu mukhoza kusonyeza banki kuti inunso nkhawa ngongoleyo pa ngongole, kuphunzira mmene kuthetsa vutolo ndi zomvetsa kochepa okha.

Kumbukirani, zokambirana zonse ndi banki iyenera kuchitikira yekha mu kulemba. Kenako, mudzatha kutsimikizira kuti kwenikweni akatulukire kwa bungwe ndi cholinga kuthetsa vuto la dziko. ntchito ndithu angagwirizanitse zikalata kutsimikizira chifukwa choncho, kuti inu mupite ku banki, ndi zabwino kwenikweni. Zimakhala kalata kuchokera bwana kuti inu adatchithisira malipiro, buku la mbiri ntchito ndi umboni wa kuchotsedwa, ndi kalata ya pakati ntchito, ndi Tingafinye mu uchi. mapu kusonyeza matenda ndipo malisiti pa njira mtengo kapena mankhwala osokoneza bongo. Antchito a banki adzakhala fufuzani ndi kanthu moyenerera.

Ngati mulibe mwayi wokaona bungwe ndalama munthu, kutumiza kalata zikalata, koma kwenikweni mbiri yabwino ndi chiphaso kubwerera anapempha.

Zingati akuchedwa

Tikhoza kunena kuti ku banki kwa nthawi ngakhale kopindulitsa 'aiwale "makasitomala, monga anayenera kulipira dipo tsiku lililonse akuchedwa ngongole ya. kukula bwino zingakhale za 0.01 3% pa tsiku, kapena lofotokozeredwa m'njira zochuluka. Pali milandu kumene banki amalipira chidwi sanangodzibweretsera ngongole, komanso pa ndalama ndi zilango salipidwa pa nthawi. Ndiye kuchuluka kwa ngongole kumawonjezera pafupifupi exponentially tsiku lililonse.

Komanso, pafupifupi aliyense pangano ngongole lili ndi mzera umene banki mwina unilaterally Umafuna alipire oyambirira ngongole chifukwa kuphwanya mfundo za pangano. Kulephera kupereka ali wotero zolakwikazo ndi.

Ndikwabwino kubisa?

Choncho, muli mangawa pa ngongole. Kodi kuchita? Mungasankhe kuyankha funso la kwambiri, koma ndendende safuna kuchita ndi kubisa ku banki mavuto CHUMA CANU. Musati muziganiza za kuti inu muiwale ndi kukhululukira ngongole. Ngati antchito bungwe ndalama musakwiyitse mafoni anu ndi makalata, chifukwa angakhale osiyana, koma kuyiwala - monga mmodzi wa iwo. Ena mabanki alibe chiwerengero cha antchito kuchita mofulumira kuti akuchedwa pang'ono, ndi nyumba osiyana - ndi mtundu wa ntchito, titero, gwero zina ndalama. Ndipotu yaitali inu musati mupereke, m'pamene angathe potsiriza kufunsa, makamaka ngati mwatenga ngongole ndi katundu aliyense.

Mukakhala ndi malipiro angapo overdue, banki adzalemba inu mu "wakuda mndandanda" ndi mbiri ngongole imawonongeka. Ngakhale ngati mwaganiza nkhaniyi ndi alipire ngongole, pamene mavuto uka. Ndipo ngati kuchuluka kwa ngongole ngongole adzakhala upambana oposa 1.5 miliyoni rubles. Banki A kungafune kuzindikira inu dodgers. Pankhaniyi, inu kungasokoneze osati ndalama yaikulu, komanso weniweni kundende - kwa zaka ziwiri mu ndende.

Tiyeni kugwirizana! kukonzanso

Anasonkhanitsa ngongole pa ngongole? Funsani ndodo banki zokhuza kuthekera kukonzanso n'kofunika mu malo oyamba. 90% milandu akupita asintha kwa makasitomala awo amene ali ndi vuto. Izi zimachitika chifukwa mwa lamulo banki ziyenera phindu zake kulenga thumba okuta ngongole kwambiri. Izi zikutanthauza kuti amachepetsa ukonde bungwe phindu, koma osati chuma chake. Choncho, gombe lililonse n'kofunika chidwi chenicheni kuti thumba anali laling'ono kwambiri, chifukwa ndalama kugwira ntchito.

Chinthu choyamba kuchita ndicho kulemba mawu pa kukonzanso ngongole. Atatha kukambirana banki amasankha zimene mumachita lotsatira. Yabwino yothetsera mudzakhala mapeto a pangano latsopano (kapena mgwirizano zapadera munthu alipo) kwa nthawi yaitali ndi kuchepa munthawi yomweyo kuchuluka kwa alipire pamwezi.

Nthawi zina, makamaka ngati inu mungathe kutsimikizira kuti banki kuti vuto inu nthawi, mukhoza kupereka ngongole tchuthi. Izi zikutanthauza kuti alipire wa chachikulu pa ngongole ya lili ndi kulipira okha chidwi. Zindapusa ndi zilango mu nkhani iyi, nawonso, adzakhala si mlandu. Izi mabanki utumiki angapereke borrowers awo kwa nthawi ya mlungu umodzi mpaka miyezi angapo. Ngati pa nthawi iyi, vuto lanu ndalama si bwino, tifunika kupeza njira ina kunja.

Wina ngongole? refinancing

Ngati kukonzanso ngongole simunagwirapo ntchito, pazifukwa zina banki anakana, mungathe kuyesa njira ina - ngongole kulipira ngongole zina. Refinancing akhoza kuwapeza pa bungwe chimodzimodzi kapena funsani ina kwanu.

utumiki wotero zogwirizana Mwachitsanzo, kwa kubweza, kapena ngati pamene ngongole inu. Imeneyi ngongole kulipira ngongole zina kudzakuthandizani kuti asasokonezeke ndi ndalama kuti mabanki zosiyanasiyana. Pambuyo maturities onse zingasiyane, ndi chiopsezo malipiro overdue lotsatira kumawonjezera nthawi zambiri. Kungakhale bwino kutenga ngongole watsopano ndalama chokwanira kuti alipire zonse za ngongole zina zonse, ndiponso kuwayang'anira mosamala kukwaniritsidwa yake udindo wake.

kukopa guarantor

Muli mangawa pa ngongole: chochita? Pezani guarantor odalirika. Iyi ndi njira ina vuto, amene angapereke iwe msilikali ngongole. Bola ngati mulibe peregruppiruete ndalama zawo ndi kuyamba kukwaniritsa udindo wawo mu zonse, ndi guarantor adzachita monga guarantor luso lanu kulipira. Kumene mudzakhala ndi kutsimikizira solvency wa guarantor zimenezo amafuna phukusi zonse zolembedwa, zambiri mofanana wobwereka lapansi. Komabe, kumbukirani kuti ngati inu simungathe kulikonza ndi banki, katundu onse a udindo adzagwa pa guarantor lapansi.

Amapita kusaka: okhometsa ndi depressants

Ngati ngongole ndalama zoposa khumi, ndi kulankhula ndi antchito a banki inu Dodge, ngongole yanu kunditumiza ku makampani deta. Nthawi zina nyumba izi kwathunthu awombole ngongoleyo ku banki pa ngongole, koma okhometsa kwambiri kugwira naye ntchito pa mawu a kupeza ntchito zina kunja. Ndiko kuti, munthu wina wa nthawi zonse pa nkhani iliyonse. Kulankhulana ndi makampani ndi zambiri kwambiri zosasangalatsa kuposa kukambirana ndi ogwira ntchito kubanki. Ngakhale iwo ayenera kuchita mkati chimango malamulo, mu Zochita izi sikuti zimachitika nthawi zonse.

Mwa lamulo, wokhometsa ayenera kufunsa nanu pa foni ndi kuyesera kutsimikizira kuti abwezere ngongole mwaufulu. Komanso, ndithudi ndi makalata mwachindunji. Wokhometsa ayenera awadziwitse inu mu kulemba kuti banki anamulangiza kuti achire ngongole kwanu pa ngongole ndi, mwachindunji kuchuluka kwa ngongole ndi maturities. Ngati akuwalimbikitsa anali ananyalanyaza ndi inu, ndodo ya makampani zosonkhanitsira yesani kukumana nanu mwa munthu. Kuti tichite zimenezi, iwo akhoza kubwera kunyumba kwanu kapena ntchito. Ngati palibe kanthu anabweretsa zotsatira zabwino, zosonkhanitsira kampani akhoza kuzigwiritsa ntchito bwalo la mokakamizidwa mndandanda wa mangawa.

Ngati zimenezi zachitika, mukhoza kugwiritsa ntchito misonkhano ya antikollektorov. Awa ndi mabungwe malamulo, akamanena za ntchito ndi kuteteza borrowers ku mabanki kapena okhometsa. Komanso nkhawa angathe kuthandiza kuchepetsa chabwino ndi kukwaniritsa kutembenuka kwa chilango pa ngongole ya.

M'khoti?

Ngati inu simungakhoze kugwirizana mwamtendere ndi banki, ndiye m'kupita kwanthawi kudzalimbikitsa Kuthi kuti bwalo. Ine mantha Sikuti, ngongole utalembedwa-offs pa ngongole ndi chodziwikiratu kuti chichitike, koma pa nthawi ya mayesero kuchuluka ngongole adzakhala atapanga. Izi zikutanthauza kuti salinso accrue zilango ndi ndalama ndi kuchuluka okwana adzaleka kuwutsa bwinobwino. N'chifukwa chake mabanki zambiri kupita kukhoti kokha monga yomalizira. Ndipotu, mpaka kuti chimachitika, kuchuluka kwa ngongole zanu akuchulukirachulukira, choncho, umachuluka ndi ndalama N'kuthekanso banki. Nthawi zina amabwera chakuti chiwerengero cha zilango ndi chidwi kwambiri kuposa ngongole yokha. Ngati mukudziwa zimene inu sangathe kupereka ngongoleyo posachedwapa, ndi mgwilizano ndi banki sangathe - womasuka kupita kukhoti paokha. bwalo, zoona, kusankha ngongole inu, koma ndi thandizo la loya odziwa, mudzatha kukwaniritsa zoyenerera okha zikhalidwe za alipire.

malangizo

Musati kwambiri kudalira chakuti pa lotha wa nthawi malire (zaka 3) a inu muiwale. Zimenezi akhoza kuimba ndi inu nthabwala njiru. Patatha zaka 3, ntchito ku khoti kuti athe osati banki, koma ndinu. Choncho kumene iye sangathe achire ngongoleyo. Koma palibe amene kusokoneza iye kugulitsa okhometsa ngongoleyo. Ndipo njonda awa adzatha kusokoneza moyo wanu kwa nthawi yaitali, chifukwa iwo alibe lamulo zofooka. Ndipo kotero ambiri adzatha kutenga ndi iwe okhometsa, Mulungu akudziwa.

Loan anapanga kulipira; momwemo

Ngati mwatenga ngongole ndi galimoto, nyumba kapena katundu wina, woyamba Kupatsila chinthu adzachokera mwa kugulitsa chuma. Ngati kuchuluka sikokwanira, ndi bailiffs maso anatembenukira kwa ndalama ndalama dziko kapena yachilendo, ndi kuti. Ndiye, mu nthawi ya mpumulo wa chuma ngongole atero, ngati lilipo. Osachepera zowawa malipiro anu okha nduna ndipo osati oposa 50%.

Ndipo kuti sadzatha kukatenga

Musati anagwidwa kuti abwezere ngongole ngongole ndi:

• chakudya, ndalama wofanana ndi mtengo wa moyo m'banjamo;
• katundu wa m'nyumba ndi katundu wa m'nyumba - .. zovala, nsapato, zofunika mipando, etc., kuwonjezera pa zinthu zapamwamba, sipangakhalenso wachinsinsi monga makina ochapira, mayikirowevu, purosesa chakudya, juicer, TV, etc..
• zinthu ofunika ntchito zawo, mwachitsanzo, ngati ndinu woyimba zeze, ndi zeze adzakhala pamodzi ndi inu;
• zinthu za thupi ndi munthu wolumala - ndodo, chikuku (ngakhale mtengo kwambiri);
• ziweto, ziweto, nkhuku, pokhapokha ngati ayipanga zosowa zawo;
• mphoto, mphatso, mphatso dziko, mendulo;
• ankamvetsa chikhalidwe, ubwino ndi malipiro Mwachitsanzo, anapulumuka.

Mwa njira, nyumba kwa ngongole ya ngongole amapita ku pokhapokha ngati kuli - osati malawi, oyenera kukhazikikamo banja kapena chikole pa kubweza lapansi. N'chimodzimodzinso m'nyumba ndi dziko.

Kodi ndingapewe bwanji izi m'tsogolo

N'zokhumudwitsa kwambiri pamene pali mangawa pa ngongole. Kodi kuchita kupitiriza izi sizinachitike, aliyense kudzisankhira yekha. Komabe, kutsatira malamulo osavuta, tingayese kudziteteza ku zoterezi.

1. Musanayambe amatenga ngongole, ganizirani mmene muchitire ndi kupereka.
2. Musamalandire ngongole angapo nthawi imodzi. malipiro Mwina m'kupita akhale unaffordable.
3. Werengani pangano ngongole, makamaka malo, wolembedwa mu kusindikiza yaing'ono. Ndiye zilango ndi mitengo sadzakhala anadabwa inu.
4. Ngati kuchuluka ngongole ndi opondapo, yeserani kutsimikiza, m'tsogolo zingakhale zothandiza.
5. Mu chochitika cha vuto lililonse zosayembekezereka ayenera yomweyo funsani banki ndi kuyesa kuthetsa nkhaniyi mwamtendere.

Malangizo amenewa, ndipo inu kuyiwala za mavuto, mpaka nthawi imeneyi mpaka mutapeza ngongole watsopano.