Ngongole yomaliza

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Kodi ngongole yomaliza ndi yotani?

Ngongole yomaliza ndi mtundu wa ngongole kumapeto kwa nthawi yolandira ngongole kuchuluka ngongole kuti abwezeretsedwe mu ndalama. Choncho, mawu akuti "chomalizira" amathandizanso. Ngongole yomaliza imatchulidwanso kuti ngongole yopanda ngongole m'zinenero zomwe zimagwiritsidwa ntchito chifukwa palibe kulipira kwa ndalama za ngongole zomwe zimachitika panthawi ya ngongole ndipo sichibwezeredwa. ndi. Panthawi ya ngongole, wobwereka ayenera kulipira chidwi chovomerezeka.

Mchitidwewu

Zochita chotero chipolopolo ngongole nthawi zambiri pamodzi ndi mapeto a pangano ndalama kapena mfundo mphoto, imene kenako wobwereka pa mawu a ndiye amalipira. Ngati ngongole kenako mapeto akuti ndi chifukwa, ndalamazo ndiye kutha mphoto kapena kubwera kuchokera ku nyumba ngongole n'kuikapo ndalama izi zace. The palokha mabungwe ogula chitetezo ngati couplings si oveteredwa zabwino chifukwa anachititsa kuti wobwereka ndi mapeto a mgwirizano zina zina ndi zina ndalama zaboma ndi kawirikawiri sakhala akunde kukhwima wa Mapangano amenewa ndi tsiku alipire ngongole ya. Komabe, nthawi zambiri zimagwiritsidwa ntchito pochita.

Chidwi ndi mtundu wa ntchito

Chidwi pa ngongole yomaliza chikhoza kukhazikika kapena chosinthika. Ngongole zoterezi zimagwiritsidwa ntchito pang'onopang'ono. Ndizochita mabanki kuti asiye mgwirizano womwe umagwiritsidwa ntchito kubwezera ngongoleyo. Ngongole imeneyi imagwiritsidwanso ntchito popereka nyumba. Mukamalipira ngongole, pali njira ziwiri zomwe zingagwiritsidwe ntchito kwa wogula nyumbayo. Amatha kubwezera ngongole yake nthawi ndi nthawi ngati mawonekedwe. Izi zimatchedwanso kuti ngongole yobwezera kapena annuity, Muyeso yachiwiri, ndi ngongole yopanda kubwezera (motero ngongole yomaliza). Njira yachiwiriyi ndi yokhayo yokha yogwiritsidwa ntchito ku malo ogulitsa nyumba chifukwa cha chidwi ndi msonkho wogwidwa pamenepo. Ngati ali ndi nyumba yomwe imatenga ngongole yotere, palibe kuthekera kwa kukhomera msonkho. Ichi ndi chifukwa chake ngongole yobwezera imagwiritsidwa ntchito pazochitika zoterezi.

Ubwino ndi kuipa kwa ngongole imeneyi

Ngongole yomaliza imagwiritsidwa ntchito makamaka popereka ndalama ku kampani. Kuchepetsa ntchito kumagwiritsidwa ntchito pofuna kukonzanso. Izi zimathandizanso kuti chiopsezo ngongole , kupitirira nthawi ya ngongole ikupita patsogolo. Zotsatira zofananazi zimalengedwanso ku ngongole yogula ogula ntchitoyi, yomwe imalipidwa kuchokera kwa wobwereka mwezi uliwonse.
Mofananamo, kubwezeretsanso kungapangidwe phindu la ndalama zopulumutsidwa kuchokera ku polojekiti ya ngongole. Komabe, chiwopsezo cha ngongole sichinasinthike kwa wobwereketsa nthawi yonseyo.

Zopweteka kwa wobwereka ndi kuti ngongole yamtundu umenewu imabweretsa ngongole yowonjezera yowonjezera chifukwa palibe malipiro a nthawi zonse a ndalama za ngongole. Palinso zosokoneza kuti pali nthawi imodzi yokhala ndi katundu wambiri pa tsiku limene wokongolawo akuyenera kulandira zina. Pankhani ya ndalama zothandizira ndalama, ndalama zolipirira ndalama zokhudzana ndi ndalama zingathe kuchepetsedwa kapena kuthetsedwa ndi ndalama zomwe zakhala zikuyembekezeredwa kuchokera ku kugulitsa katundu kapena chuma chokhazikika kapena potsatira ndalama zotsatila.

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