Pezani ngongole yamagalimoto ndi ngongole zoyipa

Kupeza ngongole yamagalimoto tsopano kulipo kuposa kale. Pali makanema ndi nkhani zambiri pa intaneti za momwe alangizi aku banki amavomerezera ngongole osati kwa anthu omwe akukumana ndi mavuto osakhalitsa azachuma, komanso kwa anthu omwe ali ndi insolvent - omwe alibe ntchito, mabanja akulu, komanso anthu opanda malo okhala - kungolankhula chabe. opanda pokhala .

Inde, mfundo zotere zimatsimikizira kuti mabanki amalemba ntchito anthu omwe sadziwa bwino zamalamulo, ndipo milandu yotereyi ndi yosowa.

Kawirikawiri, banki imayang'ana mbiri ya ngongole ya obwereketsa mosamala kwambiri, talemba mobwerezabwereza pamasamba a Vodi.su kuti banki ingafunike kuchokera theka la ola mpaka masiku angapo kuti tiganizire ntchitoyo, ndipo mbiri ya ngongole ya kasitomala imakhala yofunika kwambiri. udindo popanga zisankho.

Si chinsinsi kuti anthu ambiri aku Russia masiku ano ali ndi ngongole zamabanki. Wina amatha kubweza ngongole pa nthawi yake komanso mosazengereza, wina akhoza kukumana ndi zovuta - munthu wachotsedwa ntchito, malipiro ake adadulidwa, ndalama zina zidawonjezedwa chifukwa cha kubadwa kwa mwana kapena matenda a m'banjamo, ndi zina zotero. pa. Aliyense wa ife ali ndi dossier - mbiri yangongole, yomwe ikuwonetsa:

• kuchuluka kwa ndalama zomwe timapeza;
• mapangano onse a ngongole omwe tidachitapo kale;
• mfundo zonse za kuphwanya mfundo za mgwirizano.

Kutengera izi, onse obwereketsa mabanki amagawidwa kukhala abwino ndi oyipa. Mbiri yangongole imasungidwa ku ofesi ya ngongole kwa zaka 15 ndipo nthawi yonseyi imakhudza mwayi wopeza ngongole zatsopano.. Koma chinthu chimodzi chiyenera kumveka bwino:

• ngongole za ogula ndi magalimoto ndizopindulitsa kwambiri kwa mabanki, kotero mameneja nthawi zonse amayesa kupeza zifukwa zomwe kasitomala sakanatha kulipira ngongole zake panthawi yake.

Zoonadi, ngati munthu anali ndi vuto lachuma zaka 5 zapitazo, lero zinthu zikhoza kusintha kwambiri - munthu wasamukira ku ntchito ina, yolipidwa kwambiri, anachita ndi ngongole zake zakale - ndiko kuti, pogwiritsa ntchito zikalata zoperekedwa ndi iye, banki waganiza kuti kasitomala ndi kwathunthu adzatha kulipira ngongole yatsopano kwa ndalama zina.

Kodi akatswiri akulangiza chiyani?

Ngati mwasankha kugula galimoto pa ngongole, koma m'mbuyomu munakhalapo ndi mavuto ndi mabanki, simuyenera kuchita mantha - pali njira zingapo zopezera ngongole ya galimoto ndi ngongole yoipa.

Choyamba, oyang'anira ngongole aziwona momwe zimakhalira komanso zomwe zimayambitsa kuphwanya uku:

• kuchedwa kwa malipiro kwa masiku angapo ngakhale masabata (kuchedwa kwa nthawi imodzi kwa masiku 29 kumaonedwa kuti sikulakwa kwambiri, kuchedwa kwafupipafupi ndi kuchedwa kwa masiku 29 mpaka 120 kumakhala koopsa kwambiri - banki ikhoza kusamutsa mlanduwo);
• lamulo la malire - ngati panali kuchedwa kwanthawi yayitali zaka zingapo zapitazo, banki ikhoza kunyalanyaza izi;
• ngati kasitomala angatsimikizire kuti zolakwazo zinayamba chifukwa cha zifukwa (kutayika kwa ntchito, matenda, kubadwa kwa mwana), ndiye kuti ngongoleyo idzavomerezedwa.

Kachiwiri, chinthu chabwino ndi kupezeka kwa ngongole zotsekedwa zomwe zimaperekedwa pambuyo pophwanya malamulo. Mwachitsanzo, mudatenga ngongole ndikukumana ndi zovuta pakubweza kwake, ndipo mutayitseka, mudapereka ngongole zatsopano, zomwe mudalipira pa nthawi yake, potsimikizira kuti mwabweza ngongoleyo.

Chachitatu, chikole cha ngongole ndi kukhalapo kwa otsimikizira kudzakhala kuphatikiza kwakukulu. Pankhani ya ngongole ya galimoto, galimotoyo yokha idzakhala chikole, tinalemba kale pa tsamba lathu la Vodi.su kuti chifukwa chakuti galimotoyo ndi chikole, mabanki ali okonzeka kupereka ngongole ya galimoto.

Otsimikizira ndi anthu omwe amakhulupirira munthu, ndipo pamenepa, kudalira n'kofunika, chifukwa pakakhala mavuto ndi malipiro, kulemera kwake kwachuma kumagwera pa iwo.

Chonde dziwaninso kuti makasitomala omwe ali ndi mbiri yoyipa ya ngongole amaperekedwa ndi chiwongola dzanja chokwera. Kuonjezera apo, pali zoletsa zina pa ngongole ya ngongole - ngati mutenga ndalama zokwana 200-500 zikwi, ndiye kuti ngongoleyo idzavomerezedwa, koma ngati zilakolako zanu zimayambira pa milioni, ndiye banki idzayang'ana deta yonse. pa solvency yanu kwa nthawi yayitali kwambiri.

Tiyenera kudziwa kuti mabanki amakhudzidwa kwambiri ndi momwe chuma chilili m'dziko.

Pofika pamavuto omwe akubwera, makasitomala ochulukirapo akukanidwa, ngakhale mbiri yawo itakhala yosadetsedwa. Ngakhale kupeza kirediti kadi kapena ngongole yobwereketsa kumabweretsa zovuta zambiri.

Nthawi zambiri, ngongole zobwereketsa ndi makhadi a ngongole zimawonedwa ngati njira ina yopezera ndalama - munthawi yabwino, mabanki amawagawira kwa aliyense mosasankha, osayang'ana kwambiri zandalama za munthu.

Choyipa chokha ndicho chiwongola dzanja chokwera.

Kuphatikiza pa mbiri ya ngongole, banki imawunikanso zinthu zina zambiri: zaka, kutalika kwa ntchito, ndalama zomwe amapeza m'banja, kapangidwe ka mabanja. Choncho, akatswiri amalangiza, ndipo timawathandiza ndi mphamvu zathu zonse - yesetsani kukonza mbiri yanu ya ngongole, ngakhale mutapereka malipiro oyambirira a 20-50 peresenti ya mtengo wa galimoto - izi zidzakhala kale zowonjezera zowonjezera kwa inu.

Osatenga ngongole ngati mulibe chidaliro pa luso lanu.

Tikutsegula...