Momwe mungapezere guarantor pa ngongole yagalimoto
Kaya mukungoyamba kumene ntchito yanu kapena ngongole zanu zatsika pansi pamiyezo yovomerezeka, kupeza ngongole pazinthu zazikulu monga galimoto kapena nyumba kungawoneke ngati kosatheka.
Makampani safuna kugulitsa zinthu zawo kwa anthu omwe sangathe kuwalipirira. Popeza kuti ngongole yanu ndi muyeso wa kudalirika kwanu pakubweza, mutha kukhala pamavuto mukapempha ngongole yokhala ndi ngongole yoyipa.
Njira imodzi yopezera masukulu oyipa angongole ndikukhala ndi wina asayinireni ngongoleyo.
Wopereka guarantor amatenga udindo wambiri, koma nthawi zambiri ndikofunikira kuti wobwereketsa atseke mgwirizano ndi inu. Ngati simungathe kubweza ngongoleyo, wotsimikizira adzalipidwa ndalama zonse ndipo akuyembekezeka kukulipirani.
Gawo 1 la 1: Pezani wotsimikizira ngongole yamagalimoto anu
Gawo 1: Sankhani ngati ngongole yotetezedwa ndi yoyenera kwa inu. Monga lamulo, muyenera kugula ndi/kapena kulipirira zomwe mungakwanitse. Ngati mungakwanitse kugula galimoto inayake, mukhoza kulipirira popanda guarantor.
Nazi zina zomwe muyenera kukumbukira musanatenge ngongole kwa guarantor:
Gulani galimoto yakaleYankho: Mukhoza kugula galimoto yotchipa yogwiritsidwa ntchito ngati mungakwanitse kugula galimoto yatsopano. Ndi galimoto yogwiritsidwa ntchito, mtengo wake sutsika kwambiri ndi ntchito, choncho sizingatheke kuti mukhale ndi ngongole yoposa ngongole ya galimotoyo.
Tengani nthawi kuti mupange ngongole yabwino: Imitsani kugula galimoto ngati n’kotheka ndipo patulani nthaŵi yopanga mbiri yabwino yangongole. Ngati mphambu yanu ndiyotsika kale, lankhulani ndi mlangizi wazachuma za momwe mungabwezeretsere zigoli zanu.
Ngongole yoipa, ngakhale kuti si nthawi zonse imene ili vuto la munthu, imasonyeza kusasamalira bwino ndalama. Ganizirani ngati kugula galimoto ndi lingaliro labwino chifukwa cha ndalama zomwe muli nazo panopa.
Lipirani pafupipafupi kuti mumange ngongole: Ngati mulibe ngongole zambiri koma mukufunabe galimoto yodalirika, gulani galimoto yotsika mtengo yokhala ndi mtunda wochepa. Chitsimikizo chingakhale chofunikira, koma malinga ngati malipiro amaperekedwa nthawi zonse, uwu ndi mwayi wabwino wopanga ngongole yabwino.
Pezani ngongole pazinthu zosavomerezeka: Nthawi zina, anthu omwe ali ndi ngongole zazing'ono amavomerezedwa kubwereketsa popanda mawu abwino kapena chiwongola dzanja chokwera. Zikatero, wobwereketsayo angaganize momveka bwino kuti adzalipidwa chifukwa munthuyo anali kukonzekera kale malipiro a mwezi uliwonse.
2: Konzekerani kufunsira ngongole. Sonkhanitsani zomwe mukufunikira kuti muyambe kufunsira ngongole.
Gwiritsani ntchito ntchito zapaintaneti zomwe mwasankha kuti mupeze ngongole yanu ndikuwona komwe mukugwiritsa ntchito.
Chigoli chochepera 700 chipangitsa kukhala kovuta kukambirana mawu abwino, ndipo mphambu yochepera 350 ipangitsa kukhala kosatheka kubwereketsa.
Werengerani ndalama zomwe mumapeza pamwezi ndi zomwe mumawononga. Pogwiritsa ntchito izi, muyenera kuwerengera ndalama zomwe mungakhazikitse mwezi uliwonse pakubweza ngongole zanu.
Pezani mitundu ingapo yamagalimoto yomwe ingabweretse ndalama zomwe mungakwanitse. Izi zidzakupulumutsani nthawi ndi mphamvu mukakhala kumalo ogulitsa kufunafuna galimoto.
Gawo 3: Pezani wotsimikizira. Ngakhale izi zitha kuwoneka ngati imodzi mwamasitepe osavuta, ndikofunikira kuti muchepetse ndikuwerenga manambala onse okhudzidwa musanapange chisankho chomaliza ndi chitsimikizo chanu.
Kodi mungakwanitse kulipirira izi pakapita nthawi? Ngati ndinu wachinyamata, mukhoza kuphonya mwayi m’tsogolo chifukwa simungachepetse malipiro kapena kusiya ntchito kuti mupite kusukulu osakulipirani ngongole.
Ganizirani za ndalama zomwe zagwiritsidwa ntchito ngati ndalama imodzi yaikulu. Tinene kuti $15,000. Zikutengerani nthawi yayitali bwanji kuti muyambe kupeza ndalama zotere? Tsopano onjezerani mfundo yakuti chidwi chidzawonjezeka pakapita nthawi.
Ganizirani zomwe zimachitika ngati simungathenso kulipira ngongole yanu ndipo wobwereketsa ayenera kutenga malipirowo. Kodi zidzawakhudza bwanji? Kodi adzatha kulipira okha ndalama zonse?
Anthu omwe ali pafupi ndi inu nthawi zambiri ndi omwe amatha kulemba ngongole ndi inu, kotero pakhoza kukhala chiopsezo chochuluka kusiyana ndi ngongole yoipa ngati ngongoleyo siinalipidwe. Kusamvana kwakukulu ndi sewero labanja kudayamba chifukwa cha kusaina limodzi kwa ngongole.
Khalani pansi ndikulankhula ndi guarantor ndikukhazikitsa bajeti yomwe ingagwire ntchito osati kwa inu nokha, komanso bajeti yawo ngati adzatha kutenga malipiro. Izi zitha kuchepetsa ndalama zomwe muyenera kuwononga pagalimoto, koma ndikwabwino kuposa kusaina pangano langongole.
Khwerero 4: Dziwani Mitundu Yanu Yamitengo. Sankhani galimoto yomwe ili pamitengo yanu pamene msonkho ukuphatikizidwa pamtengo. Yang'anani kuchuluka kwa ndalama zomwe zikubwerekedwa ndipo ganizirani momwe ndalama zowonjezerazo zingakhalire mwezi uliwonse.
Ngati ndalama zomwe mumawononga ndi $900 pamwezi ndipo mumapeza $1,600 pamwezi, ndiye kuti kulipira $300 pagalimoto kungakukakamizeni kusankha pakati pa moyo wokangalika ndi akaunti yosungira.
Ntchito yanu iyenera kukhala yokhazikika kuti muthe kulipira ndalamayi mpaka galimoto italipira mokwanira. Ndikosavuta kusintha ntchito kapena ntchito zaka zinayi kapena zisanu, choncho kumbukirani izi poganizira ngongole.
Inu ndi guarantor wanu mutagwirizana pa kuchuluka kwa ndalama zomwe muyenera kulipidwa komanso mfundo zangongole, sainani zikalata ndikugunda msewu!
Mungafunike thandizo la guarantor kuti muyenerere ngongole yofunikira. Ndikofunika kwambiri kuti musamalire bwino akaunti yanu yomwe mwasaina nawo mwanzeru. Onetsetsani kuti mumalipira pamwezi monga momwe mwavomerezera.
Kumbukirani kuti guarantor wanu akukuchitirani zabwino, ndipo ngati mwatsala pang'ono kulipira, kuchedwa kudzawonekera pa lipoti la ngongole ya guarantor wanu komanso lanu.
