Kuchotsa mwapadera

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Kodi Amayi Ambiri Ambiri Ndi Otani?

Tanthauzo ndi tanthauzo

Kubwezera kwachilendo kumapangidwa pansi pa dongosolo lokonza ndalama zomwe amavomereza pa ngongole. Pachifukwa ichi, malipiro a nthawi zonse amavomerezedwa mkati mwa nthawi ina. ndi kutenga malire osaneneka amatanthauza malipiro a kubwezeredwa kupyolera mu dongosolo lovomerezeka lowomboledwa.

Kubwereka ndi kukonzekera

Pankhani yobwereka, zikhalidwe zonse za mgwirizano wa ngongole zimalankhulidwa. Nthaŵi ndi zitseko zimaphatikizidwa. Zitsulozo zimapereka pang'onopang'ono ngongole. Kusintha kwa nthawi kumapangidwira nthawi yomwe zigawo sizilipilidwe, zigawozo ziwonjezeka kapena zachepetsedwa, kapena mwadzidzidzi ngongole yonse imaloledwa ndi malipiro. Kubwezera kwakukulu kungayambitse kuthetsa msonkho kwathunthu kuti mgwirizano uwonongeke tsiku lisanafike. Pokhala ndi kuthetsa kwathunthu, wobwereka angathe kudzisankhira yekha ndalama zambiri. Mabanki amalandira ndalamazi, zomwe zimakhala panthawi yake ndikubwezera bwino.

Kuti adziteteze kuti asatayike, mabanki amavomereza kuti kubwezera kubwezera koyambirira, ngati ngongole iyenera kulipidwa msanga mwa njira yokwanira. Nthawi ndi nthawi, ngakhale malire opitirira malipiro amavomerezedwa pa kubwezera kwapadera. Malamulo awa amachititsa kuti mabanki azikhala ndi zovuta zogwiritsira ntchito. Pazifukwa izi, kubwezeredwa kwakukulu kumatchulidwanso "kubwezera kwapadera" chifukwa kumaposa kuchuluka kwa malipiro ovomerezeka pamtengo. Ngati malipiro onse akubwezeredwa ndi kubwezeredwa kwakukulu, malipirowa amatchedwanso kukonzanso ngongole.

Mawomboledwe amatsatira amadalira mtundu wa ngongole

Pogwiritsa ntchito malonda a ngongole, mwachitsanzo, pali malamulo ena a ngongole kusiyana ndi malonda a ngongole. Mwachitsanzo, kulipira kwapadera kwa mgwirizano wogula ngongole nthawi zonse kumatheka. Pamphepete mwa mabanki, komabe malipiro a ngongole ndiwo omwe amayenera kuti mabanki asawonongeke.

Pankhani ya ngongole yogulitsa nyumba, chowomboledwa chapadera n'chotheka ngati palibe chigwirizano chovomerezeka. Chifukwa chobwezera mwapadera, kawirikawiri pamakhala mgwirizano wapadera pa mgwirizano wa ngongole, womwe umatanthawuza kuchuluka kwake panthawi yake. Pambuyo pa malipiro apadera, kuchepetsa nthawi kapena kuchepetsa mawuwo kungachitike. Kulipira kwaulere kwaulere kuli kopindulitsa ngati chiwongoladzanja cha chiwongoladzanja cha kubwereka kwatsopano chatheka kuchepetsedwa ndipo wobwereketsa akugwiridwa ndi kubwereka kwatsopano kwa ngongole.

Kutsiliza

Pankhani ya kukula kosayembekezereka kwa ndalama, mwachitsanzo chifukwa cha kubwereka kwa bonasi mosayembekezereka, kubwezera kwapadera kwa ngongole ndi kuchotsedwa kungakhale kothandiza kwambiri. Zimapereka kwa wobwereka ndi ndalama zowonjezera kuti ayambitse zolinga zatsopano. Ngati chiwongoladzanja chokwanira chabwereka chikapitirirabe, wobwereka akhoza kubwereka ngongole yatsopano pamaganizo abwino kwambiri ndi kusunga ndalama. Potsiriza, kuthekera kwa kuthetsa kwathunthu ngongole kuchokera ku mgwirizano wotsiriza ndi malamulo ake kumadalira.

Malipiro a mabanki ku banki ayenera kuwonanso. Ngati chilango cholipira ngongole chokwanira pa ngongole chokwanira ndi chachikulu, ndiye kuti zikutheka kuti kuthetsa kwathunthu ngongole ndi kubwezera kopambana sikungakhale kopindulitsa. Pachifukwa ichi, zingakhale zofunikira kupanga malipiro apadera, omwe amachititsa kuchepetsa nthawi ya ngongole kapena kuchepetsa zigawozo. Zosankha zonse ziyenera kuthetsedwa musanapereke kulipira. Ngati kubwezera kwakukulu sikuli kofunika, kungakhale kotheka kuti ndalamazi zizikhala bwino kwambiri. Ndalama ndi malipiro sayenera kusokoneza kuwonjezereka kosayembekezereka kwa ndalama.

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