Kulanter ngongole

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Kodi kulanter ngongole ndi chiyani?

ndi ngongole ndi ngongole yomwe siikonzedwe malinga ndi mgwirizano. Izi zidzakhala zatsopano kwa inu, ndipo mukutheka kuganizira za ubwino umene kampani ya banki ikukumana nayo mukamapereka ngongole. Mudzazindikira kale kuti ngongole nthawi zambiri imakhala ndi zosiyana kusiyana ndi kawirikawiri ngongole yomwe imapatsidwa nthawi zonse. Mawuwo enieniwo ndi ofunika kwambiri komanso omveka pa phunziroli. Mkhalidwe wokondweretsa mu munda wa ngongole ndi kukula kosiyana, chifukwa kugwiritsira ntchito kasitomala kukufotokozedwa apa. Ngati kasitomala wokhutira ndikutamanda ku banki, ndiye izi zili ndi chifukwa china. Ngongole ndi ngongole yomwe, mwa dzanja limodzi, sichigwirizananso ndi zovomerezekazo ndipo kukwaniritsa kwake ndi kasitomala sikungathenso kudalitsika. Mabanki ena amalola makasitomala anu kuti achoke ngongole yachizolowezi komanso kukhala ngongole yophikira. Izi zikukhudzana ndi kubwezeredwa kwa mgwirizano wogwirizana, koma kulanzerkredit nthawi zambiri imakhala yosiyana nthawi zonse.

Tanthauzo la mawu akuti kulanter ngongole

Monga momwe tafotokozera kale, mabanki amalengeza ndi ubwino wawo. Khalani chiwerengero cha chiwongoladzanja, mitengo ndi zinthu zina. Ndalama zambiri zimakhala zovuta kwambiri. Izi ndi zokhudza kudalirika kwa makasitomala ndi obwereka. Mawu akuti credit risk amatanthauza kuti chiwopsezo cha ngongole. Anthu omwe ali ndi zolakwika za Schufa angapatsenso mwayi wodalirika panthawi zina. Apa ndi pamene lingaliro la "kulanterkredit" lidayamba kale pamene mgwirizanowu wagonjetsedwa, popeza banki yomwe ili mu funsoyi ikhoza kupindula makamaka chifukwa cha ngoziyi. Palibe banki yomwe ingakonde kubwereketsa ngongole yomwe ngozi yake yowonjezereka imawerengedwa ngati yapamwamba kwambiri. Choncho, ngongoleyi sikuti imayendera ngongole, koma imatchedwa ngongole. Ngongole iliyonse yodalirika ikhoza kukhala ngongole yotere ngati kasitomala sakulephera kutsatira malonjezo. Zomwe zimayambitsa zotsatilazi za mitengo ya chiwongoladzanja ndi zakuthupi n'zosiyana kwambiri. Choncho, mungathe kukumbukira mfundo iyi ya kubwereketsa ngongole ndikupeza kuti nthawi zonse zimakhala zolakwika komanso zopanda malipiro kwa ngongole zonse. Monga momwe tafotokozera kale, ngongole iliyonse yomwe imakhalapo nthawi yomwe ikhoza kubweza ngongole ikhoza kukhala ngongole-

Kulanter ngongole ndi zotsatira ku banki ndi makasitomala

Lingaliro lakuti "kulanter Kredit" nthawi zonse limapeza ntchito ndikutanthauza kubanki. Palibe amene anganene kuti ngongole ndi yaulesi kapena yachikhalire ku bizinesi yowonongeka. Lero pali mabanki ndi makampani omwe amagwiritsa ntchito mtundu umenewu wa ngongole. Pano ziri mu malonda a malonda popanda Schufa komanso pankhani ya creditworthiness amaloledwa kupatulapo. Ndipo zomwe zikugwirizana, ndizofunika kwambiri, chifukwa, monga ananenera, makampaniwa akhoza kukhala owopsa kwambiri kuti apereke chiopsezo chawo. Ngongole zokongola ndizokwanira ngongole nthawi zonse, panthawi ya mphoto, kampani ya banki imayang'anitsitsa ndalama zomwe amalitenga amapeza. Pali ngongole popanda Schufa, koma imodzi iyenera kunenedwa. Ngakhalenso mabanki sangakhale ndi chiopsezo chilichonse chomwe chimakuwonetserani chitsimikizo kuti makasitomala sakufuna kulipira magawo pamene mgwirizano wa ngongole waperekedwa. Liwu lakuti "kulanterkredit" likuwonetsanso kwambiri m'mabanki komanso ndi kulanterkredit nthawi zonse ngongole zimangosankhidwa ngati kasitomala sangathe kupeza ndalama zambiri. Banki idzachotsa ngongole iyi ngakhale ngakhale kulanzer ngongole itha, ndiye kasitomala akhoza kutsutsana. Mtundu uwu wa ngongole yowopsa, ungaperekedwe kwa anzanu, mabwenzi komanso banja.

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