ngongole munthu

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Kodi ngongole yaumwini ndi yotani?

Pali mitundu yambiri ya ngongole, izi zidzakhala zokha

Nthawi yogwiritsiridwa ntchito, mtundu wa chitsimikizo, malinga ndi mlingo wa ngongole (Information Schufa).

Ngongole yaumwini ndi yosiyana ndi Realkredit.
Ngongole yeniyeni imatetezedwa ndi ukhondo (nyumba, galimoto), ngongole kapena ndalama.
Ngongole yaumwini imatchulidwa ngati ngongole chifukwa cha creditworthiness (= kudalirika kwachuma) akusowekapo ngongole kapena ndi chitsimikizo cha ngongole.
Pali mitundu yosiyanasiyana ya ngongole za antchito, zitsanzo za ngongole yaumwini ndi:
- kutolera ndalama
- wogulitsa ngongole

Ngongole yaumwini ndi yotchedwa ngongole yabanki yosatetezedwe, yomwe imaperekedwa chifukwa cha creditworthiness (= kuthekera kubweza) kwa wogula banki, zomwe zimagwira banking trust.
Zowonjezera zowonjezera za wobwereka kapena zapakati sizingatheke.

Kwa ndalama zambiri, ngongole imeneyi siidapatsidwa mphoto, chifukwa imadalira zambirimbiri zokhudzana ndi chidziwitso ndipo osadulidwa kapena omwe akudziwa nthawi yaitali ayenera kukhalapo kuti atsimikizire kuti banki ikhoza kulipira ngongoleyo.
Pulogalamu yamalonda ndi phindu ndi phindu la akaunti (zopindulitsa ndi kuwonongeka kwa akaunti) nthawi zambiri zimakhala zovuta pano.
Komabe, izi zimakhudza ogulitsa malonda.

Kwa anthu apadera, umboni wa kuchuluka kwa ndalama ndi nthawi zonse ndizofunikira.
Kuzindikira zinthu zomwe munthu akufunayo akufunikanso.

Ndalama zamakono zomwe zili ngati ngongole, komanso overdrafts, zomwe zikulekerera ndi banki zilibe ngongole.
Ndalama zing'onozing'ono zogula (kugula ngongole) kapena ngongole za tchuthi amaperekanso kwa makasitomala abwino a banki popanda kupereka kapena kugwira ntchito yachitsulo.

Kuwonjezeka kwa ngongole yaumwini ndi mawonekedwe ake osiyanasiyana

Palinso chomwe chimatchedwa kuwonjezeka kwa ngongole, zomwe zimafuna ndalama zowonjezera (zogulitsa) za wobwereka.

Zitsanzo za dalitso:
- Kutumizirani chiphaso cha galimoto kuti mukonzekere galimoto
- cession za malipiro

Ambiri ogulitsa ngongole * akuwonjezeka ngongole zaumwini (mwachitsanzo ngongole zogulira galimoto).
* "Ndalama zogulira katundu ndi ntchito (ntchito yaumwini)"

Mtundu wapadera wa owonjezeka ogwira ntchito ngongole ndizokwanira ngongole.
Nazonso, chokwanira sikokwanira.
Zina zowonjezera zokha zimayenera ndi anthu ena, omwe angathe kulembetsa ngati wogwirizana naye.
Pogwiritsa ntchito malonda oterewa amaperekedwa nthawi zambiri.

Ngongole yachinsinsi imatanthauzidwa kuti amatanthauza ngongole yodziwika bwino, choncho ngati munthu wobwerekayo akugwira ntchito ngati ndalama.
Nthaŵi zambiri amatchulidwa kuti ngongole za eni nyumba ndipo kawirikawiri amagwiritsidwa ntchito kuchita zinthu zosiyanasiyana zowonongeka ndi zamakono.
Kugwiritsira ntchito ngongoleyi kwa katundu amene salipobe ndizosatheka.
Mtundu uwu wa ngongole ndi wofanana ndi Realkredit kapena ngongole ya ngongole, koma kubwezeredwa kumakhala kosavuta kusiyana ndi izi.
Mabungwe amakonda kugwiritsa ntchito mitundu iyi ya ngongole chifukwa ndi imodzi mwa zovuta kwambiri.
Ngati wobwereka sangathe kulipira, akhoza kupeza malo.
Zopindulitsa kwambiri kwa wobwereka ndikuti izi zikhoza kukhala zabwino kwambiri.

Malipiro apadera angapangidwe nthawi iliyonse, ndipo kuwonjezeka kwa mgwirizano wamwezi uliwonse kumatha kukhazikitsidwa.
Izi zingachititse kubwezera mofulumira kwa ngongole ndipo motero kuchepetsa ndalama (ndalama zothandizira ndalama, malipiro a ntchito, mitengo ya chiwongoladzanja, etc.).

Kuti mumve tsatanetsatane, apa pali vidiyo yomwe ingayankhe mafunso omasuka.
Muyenera kukhala ndi mafunso alionse, musazengereze kulankhulana ndi mlangizi wanu wa zachuma.

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