Perekani ngongole

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Perekani ngongole

Panthawi imodzi Perekani ngongole ndi thandizo lapadera lakutsatila. Mwachitsanzo, ngati chithandizo chotsatira chikafunidwa pakatha mapeto a chiwongoladzanja, chiwongoladzanja chamtsogolo chikugwiritsidwa ntchito apa. Ngongoleyi imayamba nthawi yomweyo kutha kwa ngongole mpaka pano ndikubwezera kubweza kwa ngongole ndikuchotsa.

Mothandizidwa ndi mawonekedwe a ngongoleyi, mgwirizano wothandizira ovomerezeka ukhoza kuvomerezana ndikufotokozera chisanafike mapeto a ngongole yoyamba. Malingana ndi chiwerengero cha chiwongoladzanja chomwe amavomerezana ndi malingana ndi khalidwe la bungwe la ngongole, izi zikhoza kukhala miyezi 60 pasadakhale. Ngati, mwachitsanzo, ngongole yobwereketsa kumapeto kwa miyezi ya 36, wobwereketsayo akhoza kale kale ngati mawonekedwe a ngongole yobwera ngongole kale. Ndalama zamakono zomwe zingakonzedwenso zingakonzedwenso pa tsiku lomaliza.

Njirayi pakuchita

Chigwirizano chovomerezeka pa ngongoleyi chikuvomerezedwa ndi banki. Ngongole yotereyi imayamba pa tsiku lovomerezeka mu 24, 36 kapena 48 miyezi. Pamene mgwirizano ukatha, deta yofunikira, monga yogwira ntchito komanso chiwongola dzanja mwadzina, Kukula kwa ngongole, mawu, chiwerengero cha chiwongoladzanja ndi chiwongoladzanja chobwezera. Zowonjezera zikhoza kuphatikiza, mwachitsanzo, kusintha kwa kusintha kwawomboledwe komanso mwayi wokhala ndi ufulu wapadera wa kubwezera panthawi ya kukula.

Pamene zothandiza?

Ndalama yobwera ngongole imakhala yopindulitsa ngati chiwongoladzanja chokwera chiwongoladzanja chikuchepa kwambiri pa nthawi yayitali ndipo chiyembekezero cha chiwongoladzanja chikukwera mmwamba muzaka zikubwerazi. Ngati mgwirizano wa ngongole watha zaka zisanu ndi zingapo zapitazo, pali kuthekera kokonzanso chiwongoladzanja chokongoza chiwongoladzanja cha mtsogolo. Izi zikuphatikizapo zomwe zikuchitika masiku ano chifukwa akatswiri akuyembekeza kukwera mitengo ya chiwongoladzanja pazaka zikubwerazi.

Chotero ngongole ali osavomerezeka ngati muli ziwawa chidwi ndi mitengo chidwi ndi apamwamba kwambiri poyerekezera yaitali chifukwa mavuto ndiye adapereka kwa ndalama malangizo.

Ubwino

Pa gawo lochepa la chiwongoladzanja, mothandizidwa ndi mawonekedwe a ngongoleyi, obwereka angapezeko chiwongoladzanja chabwino cha chiwongoladzanja cha ndalama zotsatila pambuyo pake. Izi zimachepetsanso ndalamazo ndipo ndalama zowonetsera zikhoza kuwerengedwa kwa zaka zambiri. Ngati tsono chiwerengero cha chiwongoladzanja m'zaka zotsatira chikukwera, munthu akhoza kupulumutsa zambiri. Mwachitsanzo: Kuwonjezeka kwa chiwongoladzanja cha chiwongoladzanja ndi awiri peresenti poyerekezera ndi ngongole yoyamba kumawonjezera ndalama zowonjezera ndalama kudzera mu 150.000 Euro pafupi ndi 250 Euro mwezi uliwonse. Ngati ndalama zotsatila zikugwera zaka 10, pali ndalama zina za 30.000 Euro.

Zoipa

Mawu oterewa ndi omveka komanso amavomerezedwa. Ichi ndi disadvantageous pamene akuganizira chiwongola dzanja adzagwa ndi sadzauka chotero kulipira kwambiri kuposa ngati anali kuyembekezera, ndiye kuti amalize pa mtengo kwambiri m'munsi chidwi.

Mtengo

Mabanki amalipiritsa ndalama zomwe zimadalira nthawi kuti zikhazikitsidwe nthawi yayitali. Chiŵerengero cha chiwongoladzanja cha ngongole imeneyi chimadalira pa msika ndi nthawi yoyenera. Monga lamulo, chidwi chimachokera ku 0,01 mpaka 0,05% mwezi uliwonse mpaka ngongole ikulipidwa.

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