Ngongole msonkhamsonkha ku khoti: katswiri malangizo, maganizo amangawa

Ndi zovuta kupeza kampani kapena bungwe limenelo palibe amene ayenera. Mwatsoka, nawo ntchito, ndi makasitomala zina sanachite zinthu moyenera kwambiri ndipo musati kukwaniritsa kudzipereka kwawo. Popeza mabanki ambiri zilili: iwo amangawa ndipo nthawi zonse anali nazo, ndipo pambuyo mavuto 2008 , iwo anaonekera mu ambirimbiri.

Poyamba, mabungwe a zachuma ayesetsa kuthetsa sanali malipiro paokha (kudzera poimba telefoni, makalata), ndiye, pozindikira kuti ntchito imeneyi ndi operewera, anayamba kukopa mabungwe deta. Koposa zonse, njira yokhayo yotulukira ali ambiri deta milandu ngongole kukhoti.

Kubanki, ichi chiwembu cha alipire ngongole, ngakhale mophweka kwambiri, koma osachepera zilipo. Ndipotu aliyense bungwe chuma ali ndi ndodo ya maloya woyenera kuti sangathe kokha zonena komanso kuteteza kukhoti. Ngati wokongoza ndi gulu laling'ono kapena munthu payekha, iye mwina zingaoneke zovuta kwambiri. Kuthandiza kuthetsa mavuto a zachuma a utumiki otere akhale ngongole chopereka (Collection Agency), imene tsopano kwambiri ndithu pa msika. Wogwila makampani ntchito mu magawo onse, kuyambira foni makalata ndi maulendo kunyumba (mu ofesi) kuti defaulter, ndi kutha ndi limodzi mwa bwalo.

Nthawi zina, kumene ngongole alibe nthawi kuti "gwetsa" ngongoleyo ulemerero n'kukagulitsa mu malo omwewo, ndi ngakhale kuchuluka aang'ono, koma nthawi yomweyo. Ndipo kale iwo ndiye kusonkhanitsa mangawa paokha, kubwezeretsa zawo ndi kupeza.

Ngati wokongoza ndi banki, zosonkhanitsira ngongole kukhoti sadzafika nthawi yomweyo. Choyamba, yesetsani kuthetsa vutolo mwamtendere, lodziwa chifukwa cha kuchedwa mu malipiro, ndi kuyesera kuti zimakhudza maganizo. Ichi ndi chifukwa chakuti chopereka ngongole amanena - ntchito mwachilungamo yaitali ndi mtengo ndithu (kuti kulipira ndalama malamulo, ntchito loya, mwinanso mtundu wa bwinobwino ngati bwalo adzamuika). Pomaliza, chifukwa inu mukhoza kutenga, ndi kukana, ichinso zimachitika.

Koma ngakhale ali pa dzanja kusankha m'khoti mtima wawo, wokongoza sangathe nthawi zonse kukatenga ndalama. M'njira imeneyi zosonkhanitsira ngongole ikuchitika kukhoti, ziyende bwino komanso zimadalira ntchito aluso boma. Ndi utumiki uwu adzapereka kufufuza ndi kulingalira pa chuma, chifukwa chimene kudzakhala kotheka kukwaniritsa zonena zonse angongole. Popeza wamangawa ndi zina pachabe kutenga, kotero likukhalira kuti chisankho pa chilango uli, ndipo palibe tanthauzo lake.

Komano, mulibe choonadi nthawi zonse pa mbali ya wobwereketsayo. Nthawi zina, ndi ngongole si osalakwa, koma wolakwiridwayo. Chabe munthu payekha kutsutsana ndi lalikulu ka bungwe zovuta, ndipo ngakhale mu khoti kuteteza choncho sangathe kusangalatsa aliyense. Ena safuna ngakhale podziwa kuti mwayi kuwina ndi ang'ono, ndi kupitiriza kupereka zovuta kuzimvetsa kuchuluka chidwi apamwamba ndi zolipira zina mlandu ndi banki.

Koma wobwereka ngati banki mozemba amafuna iye kuchuluka zina ali ndi ufulu chotsutsana, ngakhale pambuyo alipire zonse ngongole yake. Ngati iye akukana kuti ndalama za overpayment, zosonkhanitsira ngongole kukhoti akanali njira yokhayo yotulukira. Ndithudi, izi bwino kuchitidwa kwayekha, koma amachita chithandizo cha zamalamulo. Ndipo ndi wolakalakika monga malipiro awo misonkhano kuchuluka kwa chonena.