Nsonga kuti borrowers. Kodi ndiyenera kulipira ngongole ngati banki anakomoka?

Mu nkhani ya mavuto azachuma padziko lonse, tili tsiku lililonse, timaphunzira za bankirapuse wa bungwe ndalama. borrowers ambiri, podziwa kuti awo banki mwadzidzidzi unatha, naively amakhulupirira kuti sipafinikanso kuti abwerere ndalama atengedwa. Komabe, chisangalalo chawo penapake msanga. Nditawerenga nkhani imeneyi, muphunzira zimene mungachite ngati banki anakomoka, ndiyenera kupereka ngongole ndi amene muyenera.

bankirapuse ndi chiyani?

Choyamba, tiyenera kuona kuti ndondomeko izi sizodabwitsa. zodabwitsazi zimachokeradi mu kamphindi. Ofuna, ndiyenera kupereka ngongole ngati banki mkangano muyenera kukhala zothandiza kudziwa kuti bankirapuse imatengedwa mtundu wa chizindikiro cha insolvency wa bungwe chuma ndi inefficiency njira zake ntchito. Komanso mabanki eni kuyambira kuzindikira zowagwera, iwo kale kudziwa za makasitomala ake. kasamalidwe bungwe wakonda gloss pa mavuto, poyesa remediation zofooka za banki zopatsidwa kwa iye. Nthawi zina, zochita izi chifukwa ena, zikubweretsa ndi kusintha kwa ndalama bungwe. Koma nthawi zina zimachitika ndi kuti akatswiri kwambiri oyenerera khama sikumachititsa kuti zotsatira anakhumba ndi utsogoleri kofunika kuyamba bankirapuse yovuta, nthawi zambiri chimafika pa nthawi mokwanira yaitali.

Kodi udindo afika ngongole pambuyo bankirapuse?

Borrowers, amene akuda nkhawa zoyenera kuchita ngati banki anakomoka (ngati mukufuna kulipira ngongole mu Zikatero), izo ayenera kumvetsa kuti dongosolo - chimodzi cha asapita chuma pakati mayunitsi lapansi. Onse kupereka ngongole ya ndalama sizimaoneka kunja kwa mpweya wochepa thupi, kotero Mulimonsemo, iwo adzayenera kubwereranso. The bankirapuse si kuthetsa wobwereka kutenga udindo. Choncho, muyenera kukwaniritsa udindo wawo.

Amene ndi liti amafunika kuuza wobwereka za nkhaniyi?

borrowers onse akudabwa ngati mukufuna kulipira ngongole ngati banki amapita zinatha, posapita nthawi, kupeza chidziwitso olembedwa pa kampani, chinkhoswe mu liquidation mabungwe "akuphulikira". Choncho makasitomala Ngodziwa kuti ufulu wokatenga wakhala kunditumiza ku ngongole ina. Chikalata chimene boma ayenera muli mfundo zokhudza kusintha mu dongosolo la alipire ngongole wogwila.

Nthawi zina, wobwereka angapereke kwa adzikonzenso mgwirizanowo. Musanayambe kuika siginecha anu pansi chikalata latsopano, muyenera powerenga mawu ndi zinthu zotchulidwa m'menemo. Anthu amene ali ndi chidwi, ndiyenera kupereka ngongole kuchita ngati banki anakomoka, ayenera kumvetsa bwino lomwe kuti ndi bwino kugwirizana kwa latsopano zinthu zochepa yabwino. Nthawi zina wokongoza kwatsopano kumayambira kukakamiza alipire oyambirira a ngongole chosinthana pakafukufuku chidwi ndi Kulipira zilango onse. Wobwereka ali ndi ufulu wokana, koma ngati pali kuthekera, komabe bwino kulipira ngongole yanu mu malipiro wina.

Zochita za wobwereka, kuti mudziwe za bankirapuse a banki

Atalandira zidziwitso boma cha liquidation wa bungwe ndalama wotsegulira ngongoleyo, wobwereka azitenga ena zosavuta kuthandiza kupewa mavuto zotheka. Choyamba, usakhale ndi kuganizira kapena kulipira ngongole ngati banki anakomoka kutero. Ziyenera kukhala posachedwapa kuti akonze ofesi chapakati cha bungwe zinatha. Ndiko kumene mukhoza kupeza otchedwa oimira utsogoleli wogwirizira. Pambuyo pa ulaliki wa pangano lake ngongole, m'pofunika kupeza zinthu zatsopano, zomwe ziyenera tsopano anasamutsidwa ndalama. Sikuti kupereka ngongoleyo pa mfundo wakale. Ndi zinadzala ndi mavuto yaikulu, chifukwa ndalama zanu akhoza kungoyankha popachika mu dongosolo.

Ngati pazifukwa zina simunakhala anapereka mfundo yatsopano, ndi nthawi yomwe amalipira winawo akupitirizabe likuyandikira, muyenera amatenga ndalama kuti nkhani yakale ndipo onetsetsani kupulumutsa ndipa. M'tsogolo zikuthandizani kuti atsimikizire kuti zopelekazi anapanga.

Pomaliza

Tsopano, inu mukudziwa, ine kulipira ngongole kuchita ngati banki anakomoka. Sikuthandiza tikungotaya ankaganiza kuti za inu muiwale kapena kukhululukira ngongole. Palibe amene anatha kupewa malipiro pa ngongole, kutengedwera mu banki zinatha. Inu Mulimonsemo kubwereranso kuchuluka watenga. Komanso, malipiro mwezi ayenera zigwirizana osati wa mphunzitsi wamkulu komanso chifukwa cha chidwi mlandu. Izi ndi zofunika kwambiri chifukwa bankirapuse - chodabwitsa chimene kuyimitsidwa wa onse zinafotokozedwa chilango mgwirizanowo. Koma iwo adapitiriza atangomva bwino kuti mutengeko ngongole adzakhala umasamutsidwa ku wokongoza latsopano. Choncho, kupewa mavuto, muyenera kwathunthu yake kulipira malipiro chofunika.