Ngongole ndi ngongole: Ndi kusiyana kotani ndipo ndi ofanana bwanji?

Nthawi zambiri timakumana ndi mawu akuti "ngongole" ndi "ngongole". Kodi kusiyana kotani pakati pawo munthu wamba sikungakhale kovuta. Kawirikawiri, ngongole imatchedwa "ngongole ya banki". Komabe, pali kusiyana kwakukulu pakati pa malingaliro awiriwa. Kuti mudziwe momwe ngongole imasiyanirana ndi ngongole, muyenera kudzidziŵa bwino zachuma pazinthu ziwirizi.

Kusiyana kwakukulu pakati pa ngongole ndi ngongole

Kawirikawiri, ngongole ndi ndalama zomwe zimaperekedwa ndi bungwe kwa nthawi ndithu. Makhalidwe apamwamba a ngongole ndi malipiro, changu ndi kubwezera. Izi zikutsatila kuti ubale umenewu sikutanthauza kuti kuchoka kwa ndalama zabwereka kwaulere kapena kwa nthawi yopanda malire. Zomwe sitinganene ponena za ngongole, yomwe sizingatheke pokhapokha ndalama, koma ndi mawonekedwe a katundu. Kuonjezera apo, izi zingaperekedwe pazifukwa zosabweza, ndipo zimaperekedwa. M'munsimu, lingaliro la "ngongole" ndi "ngongole" likufotokozedwa mwatsatanetsatane. Kusiyanitsa kotani kumatha kumvetsetsa, ngati kungowerenga zigawo zawo zazikulu.

Ndalama

Ngongole ili ndi zizindikiro zotsatirazi ndi zizindikiro zosiyana ndi ngongole.

• Chiyanjano pakati pa wobwereka ndi bungwe la ngongole lomwe limapereka ngongole likulamulidwa ndi Civil Code ndi malamulo a ndalama.
• Pambuyo powerenga mfundo za "ngongole" ndi "ngongole", kusiyana kotani pakati pao kungawoneke ndi omwe ali nawo pachibwenzi ichi. Wokongoza ngongole akhoza kukhala bungwe lalamulo lomwe liri ndi chilolezo cha Central Bank kuti achite ntchito za ngongole. Zikhoza kukhala mabungwe a mabanki, mabungwe a zachuma komanso ena. Ngongole ikhoza kukhala bungwe lalamulo ndi anthu achilengedwe.

• Ngongole ikhoza kuchitika kokha.
• Wogulitsa ngongole sali ndi ndalama zongobwereka, amachititsa udindo wa mkhalapakati, ndipo ndalama zowonongeka ndizopatsidwa ndalama zadongosolo la magawo atatu ndi kuchuluka kwa chiwongoladzanja chochokera kwa ena okongoza ngongole zina.
• Chigulitsiro cha ngongole pakati pa banki ndi wobwereka ndi chovomerezeka kuti chigwirizane ndi malipiro alionse.
• Ngati mukuyang'ana zachuma cha malingaliro a "ngongole" ndi "ngongole", kusiyana kotani kumatha kumvetsetsanso kuti kukongoza ngongole kuyenera kulipidwa, ndiko kuti, wobwereketsa ayenera kukhazikitsa chiwongoladzanja chofuna kugwiritsira ntchito ndalama zongobwereka. Kuphatikiza apo, ali ndi ufulu kuphatikizapo malipiro operekera ngongole. Ngongole ikhoza kukhala yaulere ndi malipiro.
• Mtengo wa chiwongoladzanja suyenera kukhala wochepera kusiyana ndi kuchuluka kwa ndalama pa nthawi yopereka ndalama, mwinamwake wogulitsa ngongoleyo adzawonongedwa, popeza ali ndi udindo wake m'dongosolo la debit ndi ngongole.

• Wogulitsa ngongole akhoza kukhala ndi ngongole, zomwe zimaphatikizapo kusamalidwa kwa ndalama zomwe alandirayo, pokhapokha pazinthu zomwe zili mu mgwirizano wa ngongole.
• Mukhozanso kuzindikira momwe ngongole imasiyanirana ndi ngongole kubanki - ndiko kuti, ngongole ya ngongole imalipidwa nthawi imodzi, ndi ngongole - muzitsulo, malinga ndi ndondomeko yomwe yalembedwa mu mgwirizano wa ngongole.
• Wogulitsa ngongole ali ndi ufulu pazifukwa zomveka kuti afunse kwa munthu amene angathe kubwereka chikole monga mawonekedwe kapena chitsimikizo cha anthu ena, komanso kulipira ngongole yobwezera ngongoleyo.
• Malo omwe ali osungiramo ndalama amaonedwa kuti ndi ochepa, ndipo ufulu wa wobwereka uli wochepa mpaka ngongole ikubwezeredwa. Ngati kuwonongeka kwa katundu kubwera, banki ili ndi ufulu kufunafuna malipiro okwanira kwa wobwereka , ngakhalenso wobwereka nthawi yake akulipira ngongole yonse ya ngongole.
• Kusiyanitsa pakati pa ngongole ndi ngongole ndikuti, ngati ali ndi ngongole, wobwereketsayo ali ndi ufulu, ngati wobwereka akukana kubwezera ndalama yobwereka, kuti afunse kubwalo la khoti kubwezeredwa kwathunthu kwa ngongoleyo pamodzi ndi malipiro onse.
• Ngongoleyi ikudziwika ndi kupezeka kwapadera kogulitsa ngongole ndi chithandizo cha boma, chomwe chimalola kuti magulu ena a wobwereka alandire ndalama mwachindunji.

Ngongole

Ponena za "ngongole" ndi "ngongole" kusiyana ndiko kuti ngongole siyeneranso kulipidwa pamalipiro. Ngongole ndi imodzi mwa njira zomwe mungagulitsire ngongole ndi banki kapena malo ena a ngongole. Ngongole ikhoza kupezedwanso, mwachitsanzo, mu ntchito imene munthu amagwira ntchito, ndi zina zotero.

Mitundu ya Ngongole

Kotero, lingaliro la "ngongole" likugwiritsidwa ntchito kwambiri kuposa "ngongole", ndipo ili ndi mitundu yotsatirayi:

• Ngongole ya ogulitsa.
• Ngongole ya banki.
• Phindu la katundu.

Ngongole ya katundu imatanthauza kusamutsidwa kwa katundu, kubanki - iyi ndi ngongole ya banki pamalipiro, ndipo wogula ngongole amaperekedwa pamene munthu agula chinthu, mwachitsanzo, zipangizo zam'nyumba, galimoto, ndi zina zotero.

Ndipo ndikufuniranji ngongole?

Nchifukwa chiyani mukufunikira ngongole, ngati mungathe kutenga ngongole ndikulipira chiwongoladzanja? Kuti tiyankhe funso ili nkofunikira kumvetsetsa kusiyana pakati pa ngongole ndi ngongole zomwe ali nazo.

Kuti mutenge ngongole kapena kubwereketsa ndalama kwa wina, muyenera kukhala ndi chikhulupiliro ndi wobwereketsayo, kuti mukwaniritse ubale umene mukufunikira kuti muthe kuyesa. Ndipo pofuna kupeza ngongole, muyenera kungotsimikizira kuti muli ndi ngongole ndi ngongole yanu. Masiku ano, mabanki apanga mapulogalamu a ngongole omwe amakulolani kupeza ndalama zochepa ndi pasipoti imodzi. Zoona, kubwereka kotereku kumaphatikizapo kuchuluka kwa chiwongoladzanja, chomwe chikukhudzana ndi chiopsezo chomwe banki imabala.

Kufananirana ndi Ngongole ndi Ngongole

Pali mfundo zofanana ndizo "ngongole" ndi "ngongole". Kodi kusiyana kuli kovuta bwanji kwa wowerenga. Ndipo iwo ali ofanana ndi chiyani?

Zonsezi zimaganiza kuti ndalama zongobwereka kapena katundu (pakakhala ngongole) ziyenera kubwezeretsedwa. Ngongoleyo imayenera kulipira ngongole, komanso kuitanitsa kugwiritsa ntchito ndalama. Pankhani ya ngongole, mgwirizano ungaperekenso misonkho inayake ya malo osamalidwa, omwe angathe kuwonetsedwa ndalama.