Kalata yothokoza ndi chiyani?? Mawuwa amagwiritsidwa ntchito nthawi zambiri ndi anthu omwe akugwira ntchito yachuma. Komabe, nthawi zina zimamveka kuchokera kwa anzanu, oyandikana nawo kapena omwe amapezeka pa intaneti.
Munkhaniyi tikufotokozerani tanthauzo la kalata yobwereketsa ndalama ndi zomwe zingakhale.
Kodi kalata yonena za ngongole imatanthauza chiyani
Kalata yangongole - ngongole yanyumba yovomerezeka yomwe banki imalandila m'malo mwa wopemphayo (wolipira malinga ndi kalata yangongole). M'mawu osavuta, kalata yobwereketsa ndalama ndi imodzi mwanjira zosalipira ndalama zomwe zimagwiritsidwa ntchito pogula / kugulitsa katundu kapena malo ndi nyumba.
Ndalama zoperekedwa kuti zithandizane zimasungidwa ku banki mu akaunti yapadera yotsegulidwa ndi wogula ndipo zimasamutsidwa kwa wogulitsa pokhapokha maphwando akwaniritsa zomwe zalembedwazi.
Chifukwa chake, banki imagwira ntchito ngati mkhalapakati pakukambirana pakati pamagulu ampangano. Amatsimikizira kuti maphwando amakwaniritsa zomwe agwirizana ndikupereka ndalama. Kalata ya ngongole ndi imodzi mwanjira zolipirira, komanso kusamutsa ndalama pakati pa anthu.
Pali mitundu ingapo yamakalata ofotokoza ngongole yomwe ili yoyenera pokhudzana ndi zochitika zina. Chifukwa chake, musanamalize mgwirizano, muyenera kusankha kalata yabwino kwambiri komanso yothandiza.
Kuti muchite izi, muyenera kudziwa kuchokera kwa katswiri mtundu wamakalata a ngongole, kapena werengani nkhaniyi.
Ubwino ndi zovuta za kalata yobwereketsa
Ubwino wa njira iyi yolipira wopanda ndalama ndi monga:
- chitetezo chazogulitsa;
- kuwongolera kutsata zigawo zonse za mgwirizano, pomwe banki imakhala ngati guarantor;
- ndalama zimasamutsidwa kwa wogulitsa pokhapokha zigawo zonse za mgwirizano zitakwaniritsidwa;
- ngati sizikwaniritsidwa pamilingo iliyonse, ndalamazo zimabwezedwa kwa wogula;
- Ndalama za kubanki ndizotsika kwambiri poyerekeza ndi ngongole zandalama.
Zoyipa za kalata yobwereketsa zikuphatikiza kufunikira kolipira ntchito zomwe banki imapereka, mfundo zoyendetsera ntchito, zomwe ndizovuta kuti makasitomala azimvetsetsa, komanso chikalata chovuta kutuluka.
