Zamkatimu
Kodi pali kusiyana kotani pakati pa dongosolo lamagawo ndi ngongole mukamagula katundu m'sitolo
Ngati mumagwiritsa ntchito zolipira pang'onopang'ono mukamagula chinthu, muyenera kudziwa momwe zimasiyanirana ndi ngongole. Ndikoyenera kudziwa ngati simulipira.
Kodi pali kusiyana kotani pakati pa dongosolo lamagawo ndi ngongole ya chinthu chogulidwa m'sitolo
Ndondomeko yamagawo ikuphatikizapo kugula zida kapena zinthu zina zodula zokhala ndi ndalamazo posachedwa popanda kulipira chiwongola dzanja. Njira yolipirayi ndiyosiyana ndi ngongole yopanda chiwongola dzanja.
Musanasaine mgwirizano, muyenera kudziwa momwe mapulani amasiyana ndi ngongole
Kusiyana kwakukulu ndi izi:
- ngati mutagula chinthu pang'onopang'ono, wogulitsa ndi wogula okha ndi omwe amapezeka mgwirizanowu. Palibe gulu lachitatu. Ngati mukufuna kukonza masheya kudzera kubanki, ndiye tikukamba za ngongole;
- zambiri zokhudza kugula ndi ndalamazo zachedwa kubweza sizipita ku Credit Bureau. Ngati simukutha kulipira, ndiye kuti mabanki sadziwa za izo;
- Mosiyana ndi ngongole, palibe chindapusa kapena chiwongola dzanja pomwe ndalama zimachedwa, koma pakhoza kukhala zilango zakubwezera mochedwa ndalamazo.
Sizowona kuti potenga dongosolo lamagawo, mudzalandira maubwino azachuma. Nthawi zambiri, ntchitoyi imangoperekedwa kutsatsa kokha, komwe kumatsitsa mpaka 40%. Koma kupereka koteroko kumathetsedwa ngati zolipiritsa zachedwa. Ngati mukulephera kugula ndi ndalama, mudzakakamizidwa kulipira zonse.
Zowopsa ndi zopindulitsa mukamagula pang'onopang'ono
Palibe liwu loti "dongosolo lokhazikitsira" pamakonzedwe amilandu. Amagwiritsidwa ntchito kutsatsa kuti akope ogula.
Kugula pang'ono pang'onopang'ono kumayang'aniridwa ndi Civil Code. Chifukwa chake, ngati mupeza zina zowonjezera mu mgwirizano wogulitsa womwe udasainidwa, muyenera kuteteza zofuna zanu kukhothi. Mukamapempha ngongole kudzera kubanki, maubwenzi onse azachuma amayendetsedwa ndi Bank of Russia. Poterepa, zoopsa zanu zimachepa.
Mukamagula zinthu pang'onopang'ono, werengani mosamala zomwe zatsimikizidwa mgwirizanowu. Ndi chikalata chovomerezeka mwalamulo
Pangano logula ndi kugulitsa liyenera kukhala ndi gawo lomwe limafotokoza ubale wazachuma pakagulidwa chinthu cholakwika.
Pogulitsa pang'onopang'ono, wogulitsa amakhala ndi zoopsa zazikulu, chifukwa wogula sangasungire ndalama munthawi yoyenera.
M'malo mwake, dongosolo la ngongole ndi ngongole yomweyo, pokhapokha kubweza chiwongola dzanja. Wogulitsayo amaliza mgwirizano wopindulitsa ndi banki, kuti athe kupatsa wogula kuchotsera chiwongola dzanja cha ngongole.