Msonkhano "tchuthi ngongole": malamulo a kamangidwe, ntchito, zikalata ndi ndemanga

Mwatsoka, ambiri a anthu amene sangathe bwino kupenda maluso awo ndalama, amakhala mabungwe banki mangawa zisakuyenda bwino. Chinthu chowopsya kuti angacititse munthu kukhala ndi vuto limeneli, ndi kuvutika ndi zochitika kale zovuta, wambirimbiri mangawa. Anthu amene alibe mwayi yomweyo choipitsa dziko lonse mukhoza kupita ku gombe ndipo ntchito kwa "tchuthi ngongole". Nthawi zambiri, obwereketsa asintha kuti borrowers, chifukwa ndi disadvantageous kusonkhanitsa amangawa, ndalama accrued osati kulandira malipiro alionse.

ndi "tchuthi ngongole" n'chiyani?

Umenewu ndi ndalama mtsogolo, kulola mabungwe banki kuti kasitomala, amene alibe ndalama pa nthawiyo, kutenga yochepa kupuma ku katundu kwambiri ndalama. Nthawiyi amaperekedwa kwa munthu akhoza kuthetsa mavuto onse obwera ndi kusintha kwa malo okhala, chisamaliro kapena kupeza gwero okhazikika ndalama.

Mu zina, kuchedwa kwa ndalama?

M'nkhani ya sichikuyenda mwapang'onopang'ono zachuma, anthu ambiri, zaka zingapo zapitazo analandira malipiro apamwamba, sali pantchito. Ambiri a iwo ndi kubweza kapena ngongole ina iliyonse ngongole kubanki, amene wasanduka katundu amene tikukumana nawo. Pofuna kupeza ndalama yaikulu kwambiri ngongole yosalipidwa, mukhoza kupita ku banki ndi kupeza momwe kuti "ngongole tchuthi." Nthawi zambiri, mabungwe ndalama kudzakumana anthu amene ali pa mavuto. Choncho n'zotheka deferral akaundula mu Mapangano ambiri kubweza. Nthawi zina, wobwereka akhoza kusankha limene njira panopa zilipo zigwirizane iye koposa enawo - ndi tsankho kapena wathunthu.

Atalandira kuyankha zabwino, sitiyenera wosachangamuka kuyembekezera kuti banki adzakhululukira ngongoleyo. Mfundo yodalirika yomweyo, monga ulamuliro, kumabweretsa nyamuka kwambiri mtengo wa ngongole ya. Nthawi zambiri, pambuyo ngongole tchuthi zinatha, gombe adzakhala recalculate malipiro kuchokera kuwonjezeka mu kukula. utumiki izi zikhoza anapereka kwa borrowers amene ziyeneretso angapo. Choyamba, ndi ngongole ntchito kwa malipiro mtsogolo, pasakhale kupanda, osati bungwe ili. The chikhalidwe chachiwiri oletsa wobwereka, ndi pamaso pa nerestrukturizirovannogo ngongole mpaka alipire lonse pali osachepera atatu malipiro kuvomerezedwa.

Nthawi zina, banki safuna kuti apereke deferment?

Chifukwa chakuti kulembetsa a "tchuthi ngongole" kungakhale kuchedwa kwa chofunika zingati pamwezi. Komanso, mabungwe a zachuma ndi ufulu osati kutsatira pempho la munthu wopanda mavuto a zachuma, matenda ndi sanataye ntchito zawo. kamangidwe ka "tchuthi ngongole" zikhoza anakana kukachitika kuti tsiku chiphaso cha ngongole ndi panapita miyezi itatu.

Aligorivimu kwa malipiro mtsogolo

msonkhano "tchuthi ngongole" angathe kuperekedwa pambuyo umboni zopelekedwa kuti wobwereka amakhala ndi mavuto a zachuma komanso kanthawi analephera kubweza ngongole. Komabe, m'zochitika kwapadera, magombe kupereka deferral ya malipiro pa chifuniro anthu. Komabe, utumiki uwu si ufulu. Anthu amene ali ndi chidwi mmene kukonza "tchuthi ngongole" ayenera kuchitapo kanthu.

Chinthu choyamba kuchita ndicho zolankhulirana banki awadziwitse iye za mavuto awo. Pambuyo pake, inu azipereka umboni wotsimikizira zovuta ndalama obatizidwayo. The kope la buku ntchito kapena kalata ku chipatala angagwiritsidwe ntchito ngati umboni zopelekedwa. antchito Bank ayenera kupereka complainant ndi mawu amene Amawapatsa "tchuthi ngongole". Musanayambe kulemba pangano latsopano, tiyenera kuonetsetsa kuti sasamalira kuwonjezeka mlingo wa chidwi, accrual la zilango kapena chidwi kwa nthawi deferment kanthu. M'pamene angathe timapita pa kulemba ofunsira ndi "tchuthi ngongole" m'dzina wotsogolera bungwe kubanki. Atatha kukambirana kugwiritsa ntchito munthu walandira ayankhe zabwino, ayenera kubwera ku banki kusaina mapepala zogwirizana ndi kulandira ndandanda latsopano la malipiro.

"Mawu maholide" mu Bank ndalama: mmene tingagwiritsire ntchito?

Bungwe ili ndalama amapereka utumiki wa kukonzanso ngongole ndi kuchepa kuchuluka kwa malipiro apamwezi. Kuti asonyeze ufulu wanu, lemberani oimira banki ndi ntchito yoyenera. Onse amene akufuna kupeza "tchuthi ngongole" mu Bank ndalama, ayenera kupereka umboni zopelekedwa za mavuto ndi mavuto. Nthawi zina, kasitomala akhoza kupereka kutambasuka kwa nthawi mgwirizano ndi kuwonjezeka mlingo chidwi. Munthu ntchito kwa deferral ya malipiro, ayenera kukhala angwiro mbiri. "Kupumako ngongole" akhoza apatsidwe kwa miyezi 12. Komanso, mgwirizanowo wokha sukhalira anawonjezera zaka ziwiri, ie, amachepetsa chiwerengero cha malipiro apamwezi.

Nthawi zina, kosathandiza kukhazikitsa reprieve?

Ngati wobwereka amene sangathe kulipira ngongole, pali kubweza ngongoleyo, kulandira muima yekha kukulitsa vuto kale kovuta. Pankhaniyi bwino mwabwinobwino mmene zinthu zilili pamoyo ndi kuyesera kugulitsa katundu phunziro kwa ngongole ya. Pambuyo kugulitsa ina ya ngongole Kuwonjezera tichotse mumamva ngongole, komanso kuti udzabwerera gawo la ndalama zake. Kuchedwa kwa otsiriza ndipo osati kulipira ngongole, munthu adakali anakakamizika kugulitsa katundu cikole. Only kudzakhala ndi mayesero yaitali, chifukwa chimene wobwereka adzautaya kwambiri ndalama zawo kuti kuchuluka kwa ngongole zidzawonjezedwa chilango malipiro mochedwa malipiro apamwezi.

Ubwino wa utumiki ndi mayankho za izo

borrowers ambiri amachita chidwi "tchuthi ngongole" mu Bank ndalama. Kodi kupanga akuchedwa amenewa ndipo kuti limapereka, ife akufotokozedwa. Iwo ayenera kumvetsa kuti utumiki uwu zimathandiza munthu kuti mlandu pamaso pa mayesero yaitali ndipo nthawizina manyazi ndi zimamuthandiza nthawi angathetsere mavuto awo. Reviews makasitomala amene amagwiritsa ntchito "chisomo nthawi", lagawidwa awiri m'misasa kosiyana. Mmodzi wa anthu oyamikira kwa mabanki, amene anawalola mongoyembekezera kumbuyo kusiya kupereka zopereka ndi kusintha awo vuto la zachuma. Ena M'malo mwake, koma kulimbikitsa ndi zochitika kale kovuta, kwambiri kuwonjezera kuchuluka kwa ngongole. Choncho kusankha kugwiritsa ntchito msonkhano uno kapena ayi, muyenera kokha wobwereka. Nkofunika kuti mosapita kuwunika mphamvu thupi ndi kuti zimenezi si kanthu koposa akuchedwa, amene amapereka mwayi kupeza njira yothetsera vuto limeneli.

Ndiyenera ntchito "chisomo nthawi"?

Iwo ayenera kumvetsa kuti akuchedwa mu kukhwima mwa kutsogolera kumamkongoza ponso overpayment. Pa zochitika kuimitsa kaye yaikulu kuchuluka kwa ngongole si kuchepa kapena khobidi Choncho, si kuchepetsedwa ndi chidwi. Yaitali "tchuthi" m'pamenenso kuwonjezeka mtengo wa ngongole. Choncho, zabwino kugwiritsa ntchito utumiki uwu pokha pokha yapadera.

Osati kubweza ngongole ndi yopanda kunja ikuchedwa, munthu akhoza kukumana kwambiri kuposa vuto. Iye adzayamba accrue chilango. Komanso, m'zaka zaposachedwapa milandu pamene mabanki pochitika ngongole zoipa maofesi zosonkhanitsira, ogwira ntchito ndi kuyamba chabe kwa nkhanza maulendo a wamangawa ndi mafoni ndi kumuopseza. Ndipo mwamsanga pamene nthawi ya pochedwetsa kuposa 90 masiku, ndi banki bungwe ali ndi ufulu kuyambitsa ntchito ndi azamalamulo ndi zonena. Atalandira kusankha bwalo insolvent wobwereka akhoza kutaya ina.