Standby chidwi

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Kodi mlingo wamapereka ndi wotani?

Kuonjezera apo, ndalama zowonjezera zimatchedwa kuti kupereka ndalama kapena kusungira ndalama. Pankhani ya ngongole ya ngongole, chiwongoladzanja cha ndalama chikaperekedwa pokhapokha pakati pa tsiku la malipiro loperekedwa ku mgwirizano wa ngongole ndi kubwezeretsedwa kwavomerezana kuchuluka ngongole nthawi yayitali. Njira ziwiri zowerengera zimagwiritsidwa ntchito ndi mabanki omwe ali ndi ngongole komanso osakongola. Ndalama zokhazokha zomwe sizingagwiritsidwe ntchito zidzasinthidwa mwa njira yokongoletsera, kupatulapo gawo ili la ngongole Standby chidwi pa. The njira sanali compensable, mlingo provisioning suona mbali ya drawdowns ngongole ndipo amapereka ndalama provisioning kwa kuchuluka okwana ngongole mlandu. Omanga latsopano creditable analamula njira ankakonda chifukwa gawo la ndalama ngongole kuti analandira mu njira ya kutha, pamene kuwerengetsa mlingo provisioning. , Chifukwa kuti ndekha, chifukwa kawirikawiri yaitali ikuchitika pakati pa tsiku la malipiro a kukhwima ndi disbursement lenileni la tranche, ndi banki mu njira sanali creditable wapatsidwa.

Kutaya kuchepa kwa ngongole kumabweretsa ndalama

Kwa sing'anga ndi yaitali ngongole, amene Mwachitsanzo ntchito pomanga nyumba, ndi incongruities pangakhale ngongole ayenera kugwiritsidwa ntchito payokha zambiri chifukwa nthawi ya malipiro akhoza kuloza pa zomangamanga chifukwa monyanyira. banki ali Choncho nthawi zambiri chidwi mlingo sangathe chifukwa nthawi zambiri zochepa chidwi linaperekedwa pamene pakuika ndalama, monga Kugawilidwa kwanthaka ngongole. Mlingo provisioning zoperewerazo kusiyana izi, kotero gombe alibe mwayi chuma ndi refinancing. Kamodzi mbali ya ngongole mu pamapeto pake sanalinso ofunikira chifukwa ntchito yomanga kutha yabwino kuposa anakonza ndi ngongole otsala ali ofunika kuwachotsa, kuchuluka ngongole yafupika ngati banki akuvomereza. Kuyambira nthawi anavomera, mlingo provisioning kwa gawo ngongole kuti mwadzidzidzi palibe kufunika kulipira banki. Wobwereka kenako kupulumutsa mu Zikatero kobiri kudzipereka chidwi ndi mitengo kukongoza otsalira kuchuluka ngongole.

Kodi chiwongoladzanja cholipira chilipi?

Banki yosankhidwayo imasankha ngati chiwongoladzanja chilipira kapena sichinali choyenera. Mu mgwirizano wa ziwalo ngongole yomanga ndi contractually mwachindunji ngati analamula chidwi uyenera kulipidwa. Kuyambira panopa payout kukhwima wa ngongole provisioning Chidwi adzakhala sonyezani ngati zafotokozedwa mu mgwirizano ngongole kuti. The chidwi potipatsa ngongole ya mopitirira kwa nthawi kumaliza katengedwe kuchuluka ngongole. Wogulitsa ngongole amapereka nthawi inayake yomwe palibe chiwongoladzanja choyenera. Nthawi yopanda chidwi popanda chiwongoladzanja zimadalira kampani ya ngongole ndi kuchuluka kwa ngongole. Ena mabanki zokulitsa wokonzeka malo ufulu nthawi popanda chiwongoladzanja ndi mlandu, koma ena sasiya nthawi anakonzeratu nthawi. Ngati palibe ntchito ngongole lafika pa nthawi yoikidwiratu, magombe kupereka mlingo provisioning wa peresenti 0,25 pamwezi mu nkhani kuchuluka leni zimasiyanasiyana banki ku banki. De chidwi potipatsa ngongole zikhoza kupewedwa ngati anagwirizana ndi bungwe la ku banki Mwachitsanzo, kuti chiwerengero chonse cha ngongole ndi kwathunthu analipira pa malipiro kukhwima ndi kunditumiza ku nkhani gawo la wobwereka lapansi.

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