amalipiritsa kudzipereka

0
1275

Komiti yopereka chithandizo ndi chiyani?

Der amalipiritsa kudzipereka (komanso Standby chidwi ) ndi ndalama zomwe wogulitsa ngongole angapereke ndalama kwa zigawo za ngongole za zomangamanga zomwe sizinaitanidwe. Chifukwa cha ichi ndi chakuti nthawi iyi ndalama zoperekedwa sizipereka phindu lililonse, potsiriza zimatsimikiziridwa.

Kodi ntchito yowonetsera ikupezeka liti?

Pali zochitika zosiyanasiyana zomwe wobwereka akudziŵa kuti akusowa ngongole mwamsanga, koma nthawi yake siidatchulidwe. Ngongole imeneyi imatchedwa ngongole yoitanidwa: ndalama "amatchedwa" pa nthawi inayake ndi wobwereka. Zingatheke kuti wobwereka akuyembekeza kuwonjezeka kwa katundu wake. Banki imapereka ndalama kudzera mu makonzedwe, omwe angaperekedwe kudzera mu komiti yopereka. Ngati ngongoleyo itangothamangidwanso, banjali likanatha kulandira chidwi. Pali alendo awiri ku ngongole yoitanidwa: tsiku limene ngongole ikuyendetsa, komanso ngati wogula banki adzafuna ngongole nkomwe. Pachifukwa chachiwiri, banki idzakhalabe pamalipiro ake; Choncho, zimapereka mautumiki othandizira kuchokera kwa makasitomala awo. Banki ikulinganiza komiti yopereka thandizo la ngongole yachitsulo yomweyo pa ntchito yake.

Nchifukwa chiyani makonzedwe amaperekedwa?

Monga lamulo, nyumbayo siyikugulitsidwa kwa makasitomala atatha kumaliza, koma pang'onopang'ono. Makampani akumanga kapena amisiri ayenera kulipidwa pa nthawi zosiyana. Choncho wobwereka safunikira dongosolo lonselo kuchuluka ngongole, koma mbali zina za ngongole. Chifukwa chache, chidwi chochepa chimalipidwa kuposa pamene ndalama zonse za ngongole zikuyitanidwa. Wogulitsa ngongole amatenga gawo la ngongole kwa makasitomala, ndipo sangathe kupeza phindu lililonse ndi ndalama zimenezi. Wokongola amatsegula kuwonongeka kwa banki mwa kuwonjezera pa milandu yothandizira. Kawirikawiri zimakhala kuti kumanga kwatsopano kwa nyumba sikungathe kutha nthawi. Wogulitsa ngongole akhoza kuperedwa chifukwa chakuti ali ndi ngongole ya ngongole yaitali kuposa momwe adagwiritsire ntchito ngongole kuti abwerere.

Kodi chiwongoladzanja chimakhala liti?

Kaya analamula chidwi mlandu zimadalira mawu a anavomera ngongole yomanga. Chidwi adzakhala sonyezani pomwepo chobwezera cha kukhwima wa ngongole yomanga. The Bank linaŵerengera kuti chidwi mpaka katengedwe zonse za kuchuluka ngongole. Ambiri, wobwereka afika anakonzeratu nthawi, zidzawonjezedwa kwa kudzipereka chidwi. The okonzeka malo chidwi-free nthawi imasiyana malingana ndi kuchuluka ngongole ndipo akhoza zosiyanasiyana, kuyambira mwezi umodzi zaka 2. Ena mabanki kuwonjezera malo chidwi-free nthawi ino okonzeka kupereka yambiri, ena, kutsatira nyengo anakonzeratu nthawi. Mlingo provisioning zikhoza kupewedwa ndipo anagwirizana ndi obwereketsa ake kuti anasamutsidwa ndalama ngongole pa kukhwima malipiro pa nkhani yogwira gawo.

Mawerengedwe owerengetsera

Chiwerengero cha chiwongoladzanja chimawoneka ndi njira ziwiri zosiyana.
a. Chiwongoladzanja chimawerengedwa pambali ya gawo losatetezeka la ngongole.
b. Ndalama za chiwongoladzanja zilipira pa ndalama zonse.
Kawirikawiri, chiŵerengero cha chiwongoladzanja ndi ziwiri kapena zitatu peresenti ya gawo losagwiritsidwa ntchito la ngongole ndipo amalipira mwezi uliwonse.

Pankhani ya ngongole yomanga

Amakhasimende ayenera kuyang'anitsitsa mawu a mgwirizano wa ngongole asanatine chikalata. Pachifukwa ichi, mlingo wa chiwongoladzanja cha chiwongoladzanja ndi nthawi ya nthawi yopanda chidwi iyenera kuganiziridwa. Zomwe zimaperekedwa pafupipafupi sizinaphatikizidwe muyeso wogwira ntchito pachaka. Kwa wobwereka, mtengo wogwiritsira ntchito ndi ndalama zina, zomwe ziyenera kuwerengedwa ngati ndalama zogulitsa nyumba komanso pomanga ngongole yomanga. Kawirikawiri, obwereketsa amapindula phindu la chiwongoladzanja chawo komanso nthawi yopanda chidwi. Wokongola kotero ali ndi mwayi wokambirana.

Kodi makonzedwe apatsamba angakhalepo msonkho?

Wokongola akhoza kuchepetsa chiwongoladzanja chake ngati sakukhala mwiniwakeyo pambuyo pomanga koma adalanda. Ngati ndi choncho, chiwerengero cha chiwongoladzanja chimayambitsidwa monga mbali ya ndalama zogulitsa. Komabe, iwo sangabwererenso ngati momwe ndalama zogulitsa zimakhalira.

mlingo: 5.0/ 5. Kuyambira pa voti ya 1.
Chonde dikirani ...