ngongole cheke

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Kodi chitsimikizo cha ngongole n'chiyani?

Kuwerengera ngongole kapena kupereka ngongole kupangidwa kudzera mwa ngongole cheke zosasintha ndi zolembedwa. Ngati mutenga ngongole nokha kapena pemphani ngongole, ndiye kuti ndi choncho. Zokongola za mayiko, makampani ndi inu ngati munthu nthawi zonse amawunika pamene mukupempha ngongole. Iwe monga wogula sudzazindikira chirichonse cha mayeso awa, koma mosakayikira mudzayang'anitsitsa kutero kwa ngongole yanu pa ngongole ndi nkhaniyi. Kodi ndiwe wotani ndipo ndi wotetezeka bwanji kuti ukubwezera ngongoleyi kwa iwe? Iyi ndi mutu womwe wabisika kuseri kwa lingaliro ili.

Chiŵerengero cha chiwongoladzanja cha ngongole chikutsogoleredwa ndi chekeni cha creditworthiness

Ndalama zoperekedwa ndi ngongole zomwe zimagwiritsidwa ntchito ndi banki zimakhudzidwa ndi kufufuza ngongole. Zopereka zambiri zimapereka chitsanzo cha mayesowa ngati chitsogozo chokhazikitsa chiwongoladzanja. Kuopsa kwa ngongole kumatsimikiziridwa apa. Ngati inu mukuyimira chiopsezo chachikulu ngati wobwereka monga makasitomala, mudzalandira mawu abwino a ngongoleyi. Monga tanenera, komabe mitengo ya chiwongoladzanja cha banki imatsimikiziridwa ndi kafukufuku wa creditworthiness. Chofunika kwambiri kuposa chiwongoladzanja cha chiwongoladzanja ndicho kupereka kwa ngongole. Apa ndikuonekeratu kuti mayesero ndiwo maziko a chisankho. Mabanki amagwiritsa ntchito maofesi a ngongole, monga data kuchokera ku Schufa kapena deta ku Creditreform. Banki ikuyang'ana deta yosungidwa pa iwe ku Schufa, kaya pali zifukwa zina zosokoneza kubwezeredwa ndi chiwonongeko choyembekezeka. Kumbali inayi, munthu amakulowetsani panthawi ya kufufuza ngongole. Izi zikuphatikizapo deta monga malo okhala ndi tsiku lanu la kubadwa. Inde, katundu wanu wina adzaphatikizidwanso mu kafukufukuyu ndipo ndalama zanu zidzaphatikizidwa mu chiwerengerochi. Kulemba kumeneku kungayambitsenso zodabwitsa ndipo pazomwe mukukumana nazo mutangolandira chiwongoladzanja cha chiwongoladzanja monga chopereka chokhudzidwa.

Mfundo zomwe zimakhudza kafukufuku wa ngongole mwatsatanetsatane

Malipiro enieni osayang'aniridwa ndi ndalama yamalonda yam'nyumba yam'mbuyo angakuthandizeni ndi kufufuza ngongole kwa ngongole kale akukhala chiwonongeko. Deta zonsezi, monga malo anu okhala komanso msewu kumene mumakhala, zingakhale zogwirizana ndi pempho la ngongole. Mabungwe amadalira zolemba izi zomwe n'zovuta kuziwona mwatsatanetsatane kwa inu. Koma chidziwitso chonse ichi ndi statistically chofunika. Banks amagwiritsa ntchito njira yake, yotchedwa Basel 4. Pano, chiŵerengero cha kugwirizana kwa wobwereka ndi deta ina yofunikira ikuwerengedwera mwatsatanetsatane. Banki imagwiritsa ntchito chidziwitso ichi ndi deta kuchokera ku ofesi ya ngongole. Kuwonetsa izi ndi chitsanzo, chifukwa ngati ndinu ovomerezeka, muli ndi malo apamwamba ndi abwino, monga wogwira ntchito yusowa mu chuma chaulere. Anthu omwe amatetezedwa mosasamala kanthu za ndalama zabwino amagawidwa ndi mabanki mu mayeso ofanana ndi creditworthiness. Izi zikukhudzana ndi zolemetsa zathu pazokha, monga mabanki amagwiritsira ntchito chiwerengero cha chiwerengero cha kuunika kwa mayeso. Kufufuza ngongole kumaperekedwanso kumalo anu. Mwachitsanzo, funso la malo okhala ndi kusagwirizana kumene kulipo komwe kumapezeka m'dera lanu kungakhudzidwe kwambiri ndi pempho lanu la ngongole. Kuyesedwa kwa ngongole kwakhala kukudziwikiratu kuti ndizosatheka kumvetsetsa ndi makasitomala ambiri, koma malamulowo amakhala omveka ku ngongole ya ngongole ndipo palinso zosiyana.

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