1. Musatenge mawu
Mukakongola kubanki, ndikofunika kuyang'ana zonse zomwe antchito a ku banki akukuuzani. Mwachitsanzo, mumalonjeza kuti muli ndi ngongole 13% pa chaka, ndipo pambuyo pake padzakhala kuti chiwongoladzanja chomwe chidzagwiritsidwe ntchito, kapena kuti chiwerengero chomwe chidzagwiritsidwe ntchito ndi kubweza ndalama zonse zomwe banki amatenga pogwiritsa ntchito ngongole, 25%, kapena zina zambiri. Mphamvu zowonjezera zimakhala ndi mabungwe osiyanasiyana omwe mabanki amalipira pokhudzana ndi kukambirana, kutsegula akaunti, kusunga akaunti, inshuwalansi, kutumiza ndalama ku akaunti. Ndipo zonsezi simungathe ngakhale kuyankhula, ndiyeno zidzathira mu makombola zikwi zambiri. Kawirikawiri anthuwa, omwe amabwereka amatha kuwona pokhapokha atayina panganolo. Ndichofunika kwambiri kupempha kuti adziŵe pasadakhale kuchuluka kwa chiwongoladzanja chokwanira komanso kupanga pulogalamu ya malipiro - banki iyenera kuchita.
2. Onetsetsani mavuto aakulu
Pamene mutenga ngongole yaikulu, monga ngongole kapena ndalama zokhazikitsidwa ndi malo ogulitsa katundu, banki imafuna kuti katunduyo akhale inshuwalansi. Muyenera kupeza kampani ya inshuwaransi yomwe imapangitsa kuti pakhale ngozi zambiri ndi zochepa. Mgwirizano wa inshuwaransi umasonyeza kuti milandu si inshuwalansi. Werengani ndimeyi mosamala kwambiri. Mungathe kuganiziranso za inshuwalansi ngati mukulephera kuchepetsa ntchito, kulemala chifukwa cha matenda kapena ngozi.
3. Ndipo muthamangitse chigamulo
Ngati mutapemphedwa kukhala guarantor ngongole, ndipo simukumvera kukana, werengani mosamala. The guarantor ndi munthu amene amachititsa kuti munthu azikongoza ngongole yake. Izi zikutanthauza kuti ngati wobwereka sangakwanitse kukwaniritsa zomwe akuyenera kubweza ngongoleyo, amagwera pamapewa a guarantor. Ili ndilo lamulo - luso. 361 ya Civil Code. Kodi mumapeza bwanji mtengo wa "kukana kovuta"?
Zoona, guarantor ali ndi mwayi wobwezera ndalama zake mtsogolo. Koma, monga momwe akuwonetsera, ndizovuta kwambiri. Pachifukwa ichi, katundu wokhotakhota osatumizidwa adzakhala pa iwe, ndipo iwe udzaperewera ndi umoyo wathanzi. Zopeka, pamene guarantor amalipira ngongole, amatha kupereka chigamulo chotsutsana ndi wobwereka wosayenerera "pom'pempha" ndikumufunsira malipiro kuchokera kwa iye chifukwa cha zovuta zonse zomwe adavutika chifukwa cha iye. Panthawi imodzimodziyo, mutha kupempha khoti kuti mumange katundu ndi katundu.
BTW! Ngati guarantor mwiniyo atenga ngongole kubanki, funso la wobwereka liyenera kusonyeza kuti ali wotsimikiza. Ndipo izi zidzatsimikizira kuti pamene mukukambirana zofunikira, banki ikhoza kuchepetsa ndalama za munthu ndi kuchuluka kwa malipiro a mwezi uliwonse kwa ngongole, zomwe adafuna.
4. Kulemba bwino mapepala
Ngati muli ndi ngongole, tengani vuto kuti mukonze mgwirizano. Malamulo oyambirira a "ngongole zotetezeka" ndi kupezeka kwa malemba oyenera. Izi ndizo, muyenera kuthana ndi kupanga mapepala ndi mapepala a ngongole. Kumbukirani kuti mukufunika kujambula zonse ziwiri. Kachilitsiko kamatsimikizira kokha za kusintha kwa ndalama, ndi mgwirizano - chilolezo cha maphwando kutumiza ndalama mu ngongole, komanso ndondomeko ya kusintha. Mwachitsanzo, mgwirizanowu umatchula chidwi, kusinthanitsa kwa tsiku la kubwerera, ngati mukukongoza ndalama zakunja, ndi maonekedwe ena. Pano pali data ya pasipoti ya wobwereketsa ndi wobwereketsa.
Chigulitsiro cha ngongole chiyenera kuperekedwa pasadakhale, ndipo malandilawo, mosiyana, ayenera kulembedwa panthaŵi ya kusamutsidwa kwa ndalama. Iyenera kukhala ndi chidziwitso chokhudza yemwe amapereka ngongole kwa yemwe, ndi liwu lotani, ndalama zingati komanso pamene kubwezera ngongole kuyembekezera. Malemba onsewa angaperekedwe mwaufulu, ndipo wobwereketsa akhoza kuwapanga okhaokha. Komabe, kuti tipewe zolakwa ndi zolakwika, ndi zabwino kuti tipeze thandizo la loya. Siyeneranso kutsimikiziranso zolembedwa ndi notary, koma muyenera kudziwa kuti mapepala osadziwika ndi khoti ndizosemphana kwambiri kuposa zosatsimikiziridwa.
Ngati mumabwereka, mwachitsanzo, kuchokera kwa munthu wapadera, kenaka ndikulembetseni zikalata molingana ndi ndondomekoyi. Malemba olembedwa bwino ndi chitsimikizo chakuti simudzafunsidwa kubwezera ndalama mwamsanga kapena kuti musayambe kukonda chidwi. Pankhani ya ngongole ya banki, chinthu chachikulu ndikuwona ngati pali chinyengo champhamvu mu mgwirizano umene umapatsidwa kuti uzisayina. Mwachitsanzo, chinthu chololeza banki kuti isinthe unilaterally malingana ndi mgwirizano. Ngati muwerenga mgwirizano ndipo simungathe kudziwa chomwe chiri, mungathe kufunsa banki kuti akukumbutseni za wobwereka. Bungwe lalikululi linalimbikitsa mabanki onse kuti alandire memos omwe, omwe amajambula pa mfundozo, zomwe ziyenera kuyang'aniridwa mu mgwirizano.
5. Tengani zochuluka zomwe mungathe kupereka
Ndipo kuti mumvetse ngati mungathe kupereka ngongoleyi, muyenera kuwerengera kuti ndalamazo zidzakhala zotani. Musaiwale kufunsa woyang'anira banki kuti asindikize ndondomeko ya ngongole ya ngongole. Amawonetsera ndalama zomwe mumalandira mwezi uliwonse, tsiku limene mukufuna kulipira, ndi ndalama zonse. Funsani kuti muwerenge zomwe kulipiritsa kwa ngongoleyo idzakhala ngongole, ndipo ganizirani ngati mukufuna. Zitha kuchitika kuti mutha kukongoza ngongole kwafupikitsa, kapena mudzatha kubwezera mwamsanga (pakalipa, kubweza ngongole kumakhala kochepa). Mabanki ena amapereka chidwi chowonjezera pa kubwezera koyambirira, mwa ena - palibe.
6. Musagule ngongole yotsika mtengo
Ngongole zopanda phindu kwa wobwereka ndizo zomwe zimakhala zosavuta kupeza. Ngati mwalonjezedwa kuti mudzatenga ngongole kwa theka la ola limodzi, ndipo ngakhale opanda guarantors, ndi chikalata chimodzi kapena ziwiri pa dzanja, ndiye kuti chiwongoladzanja chokwanira cha ngongole chidzakhala chapamwamba kwambiri. Zina zamanuha - chopereka choyamba cha 0%. Kawirikawiri amapezeka m'masitolo ogulitsa zamagetsi komanso zovala zapamwamba. Zikuwoneka kuti ndizopindulitsa kwambiri, koma zowonjezera kuti chiwongoladzanja chokwera pa ngongoleyi ndi 30-50% pachaka. Ku banki, ngongole ya ndalamayi ingatengeke pamtengo wapatali kwambiri. Zilibe zopindulitsa kutenga ngongole za katundu ndi ntchito zomwe sizikukwera mtengo: za tchuthi, zogula zapakhomo, za kugula galimoto ... Zomwezo zimakhala kugwiritsa ntchito pa makadi a ngongole ngati simungathe kutseka ngongole nthawi yachisomo (kawirikawiri ndi masiku 30-60). Komabe, ndi kuwerengeka kochepa kwambiri pa makadi a ngongole, mungathe kupeza.
7. Yang'anani kutsutsana
Nthawi ina mukakumana ndi zovuta komanso osakhoza kubweza ngongoleyo, musabise. Onetsetsani kuti mum'dziwitse wokongoza ngongole za zochitikazo ndikufunsani kubwezeredwa. Izi ndi zofunika ngati wokongoza ngongole sakukumana nawe, koma apita kukhoti. Woweruza adzawona kuti inu ndinu woona mtima ndipo mukuyesera kuthetsa vutolo, ndipo mwinamwake mudzaima pambali panu. Ndiye mukhoza kuyesa kudzera m'zigawo za khoti kapena kubweza ngongole. Ngati liri funso la ngongole pansi pa ngongole ya ndalama, n'zotheka kulemba mawu pa kukonzanso ngongole. Banks akuyandikira nkhani zotero payekha, koma kuyesa sikukuzunza. Ngati wobwereketsa ayesa kukhazikitsa ndondomeko yobwezera ngongoleyo m'zigawo zokhudzana ndi kubwezera ngongole za malo ogwira ntchito komanso magalimoto kapena magalimoto. Panthawi imodzimodziyo, ndi bwino kusonyeza kuti simukuyesera kupewa ngongole mwanjira iyi - chifukwa ichi mukhoza kubwezera mwamsanga gawo la ngongoleyo.
8. Musapse moyo wotsiriza
Wopanda nzeru kwambiri ndi kubwereketsa ngongole ya nyumba yokhayokha. Makamaka panthawi yovuta, pamene nthawi iliyonse mukhoza kusiya ntchito. Ndalama zotetezedwa ndi katundu wamba ndi zopanda phindu. Chitsanzo choyambirira ndi pawnshop. Mumapereka ndolo chifukwa cha theka lawo, ndipo mumagula kawiri. Nthawi zina kupatukana ndi msewu kwa inu ndi chinthu choipa kwambiri kusiyana ndi ngongole zosadziwika - kutaya umoyo kumachokera kuno.
9. Pewani ngongole
Ngati pali vuto la kubweza ngongole, banki ikhoza kubweza ngongole kwa osonkhanitsa - osonkhanitsa ngongole. Ndi mabanki, osonkhanitsa amagwira ntchito kumakomiti (15-40% a ngongole yomwe inasonkhanitsidwa), kapena pogula phukusi la kubwezeredwa kwa mabanki. Kawirikawiri ufulu wa mabanki kusamalitsa ngongole kwa anthu achitatu akulamulidwa mu mgwirizano wa ngongole. Koma ngati palibe mgwirizano woterewu mu mgwirizano, ndiye banki alibe ufulu kutumizira zambiri za iwe kwa wokhometsa. Ndipotu mabanki amayenera kusunga chinsinsi cha eni ake, ndalama zake, makamaka za vuto la ngongole. Choncho werengani mgwirizano mosamala musanayambe kusaina.
10. Pempherani ku khoti
Kawirikawiri, "kuponyedwa" ngongole kapena obwereka omwe ufulu wawo ukuphwanyidwa ndi banki, mwachidule safuna kupita kukhoti. Ena amakhulupirira kuti chilungamo sichitha kupezeka kukhoti, ena amaopa kuthetsa maubwenzi, pamene ena akufuna kupulumutsa pa ndalama. Pakalipano, pamakangano ambiri a ngongole, khoti ndilo njira yokhayo yothetsera vutoli, ngakhale ngati muli ndi zolembedwa bwino komanso nthawi mkati mwa miyezi 3-5.
BTW! Zomwe amadandaula kuti azilipiritsa ntchito za nthumwi zimapezedwa kuchokera ku phwando losowa.