Kumvetsetsa bwino ngongole yaku banki

Pazachuma, ngongole ya banki ndi ndalama zomwe munthu wachilengedwe kapena wovomerezeka amabwereka kuchokera kwa munthu wina wachilengedwe kapena wovomerezeka, kuti abwezere mtsogolo ndalama zonse kuphatikiza chiwongola dzanja chomwe amalipiritsa. Ngongole yaku banki ikhoza kukulolani kutero perekani ndalama za polojekiti yanu.

Monga wopindula, mukatenga ngongole, mumakhalanso ndi ngongole pokhala ndi udindo wobwezera ndalama zomwe munabwereka panthawi yomwe mwagwirizana.

Nchifukwa chiyani ndikukuuzani zonsezi? chabwino, chifukwa chakuti anthu ambiri amadandaula za ndalama zoti zibwezedwe pa tsiku loyenera. Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

🎉 Kodi ngongole ndi chiyani?

Ngongole ndi mgwirizano pakati pa wobwereketsa, kawirikawiri banki kapena ngongole, ndi wobwereka. Wobwereketsa amapereka ndalama kwa wobwerekayo, yemwe amalonjeza kubwezera pasanathe nthawi.

Pali mitundu yosiyanasiyana ya ngongole kutengera kagwiritsidwe ntchito komanso nthawi ya ngongoleyo. THE kubweza ngongole amapereka ndalama zogulira nyumba kwa nthawi yayitali, nthawi zambiri pakati pa zaka 15 ndi 25. Malipiro apamwezi amakhala osasintha nthawi yonseyi.

Le okonzeka kudya amagwiritsidwa ntchito kugula chabwino, zida kapena ntchito. Nthawi yake ndi yaifupi, kuyambira miyezi ingapo mpaka zaka zingapo malinga ndi kuchuluka kwake. Malipiro apamwezi amakhazikika. THE Ngongole yaumwini amapereka ndalama zogwirira ntchito zaumwini pakapita nthawi pafupifupi zaka 5 mpaka 10. Zolipira pamwezi ndizokhazikika.

Pomaliza, ngongole yozungulira, monga kirediti kadi kapena njira yangongole, imalola ngongole yosinthika mkati mwa malire ovomerezeka. Kubweza kochepa kumasiyanasiyana mwezi uliwonse. Dziwani zambiri za ngongole zamabanki….

????Zinthu zofunika kuziganizira pa ngongole banki

Musanapemphe ngongole, muyenera kudzifunsa ngati ndi a lingaliro labwino kwa inu. Kubwereka ndalama ndi udindo waukulu kudzitengera nokha, ndipo muyenera kuonetsetsa kuti mudzatha kubweza ndalama zonse kuphatikiza chiwongola dzanja kapena ndalama zina zilizonse zachuma.

Ngati pazifukwa zilizonse mukulephera kubweza ngongoleyo, mutha kulandira zilango, zomwe ziri zomvetsa chisoni. Zilango izi zimatha kuyambira chiwongola dzanja chokwera mpaka kubweza katundu wanu komanso mbiri yoyipa yamilandu. M'malo mwake, musanapemphe ngongole yamtundu uliwonse, muyenera kuwunika momwe mumapezera.

Ngati ndinu wogwira ntchito, muyenera kupereka yankho malipilo ndipo mwina kalata ya malipiro yochokera kwa abwana ake. Komabe, ngati muli odzilemba ntchito, zomwe muyenera kuchita ndikupereka umboni wa ndalama zomwe mumapeza zaka ziwiri zapitazi kapena kupitilira apo komanso ma invoice ngati akuyenera.

Kuti musafike pamlingo uwu wa zilango, muyenera kuwonetsetsa kuti mumatha kubweza zofunika mwezi uliwonse pa tsiku lenileni komanso posachedwa.

Muyenera kudziwa kuti ngongole za munthu ndi gawo lofunikira kuti mupeze lipoti lolondola lazachuma. Ngongole zambiri zomwe zikuwonekera pamalipoti anu zidzawononga kuyenera kwa bizinesi kapena munthu kwazaka zingapo.

🎉 Mitundu ya ngongole zamabanki

Pali mitundu ingapo ya ngongole zamabanki. Ngongole iliyonse imakhala ndi mawu ndi maubwino osiyanasiyana, chifukwa chake muyenera kufananiza motsatana kuti musankhe yomwe ili yoyenera kwa inu komanso zosowa zanu.

✔ ngongole zaumwini 

Nthawi zambiri, mabanki onse amapereka ngongole zaumwini, kaya ndi ngongole wotsimikizika kapena ayi. Ngongole zopanda chitetezo zimatanthawuza kuti simumasungitsa chikole ngati nyumba kapena galimoto ngati simukulipira ngongole yanu.

Popeza ngongole zopanda chitetezo sizifuna chikole, obwereketsa nthawi zambiri amayang'ana malipoti anu angongole ndi masukulu angongole kuti akuthandizeni kudziwa ngati ndinu woyenera kubwereketsa.

Ambiri, anthu ndi mavoti a ngongole yapamwamba adzakhala oyenera kulandira ngongole zabwino. Mutha kulandira ngongole yanu yopanda chitetezo ngakhale ngongole yanu ili yabwino kapena yoyipa. Koma mungafune kugula mozungulira kuti muwonetsetse kuti chiwongola dzanja ndi malipiro apamwezi ndi zotsika mtengo pa bajeti yanu.

Ngati, kumbali ina, mukupempha ngongole yotetezedwa, mudzafunika kupereka chitsimikizo chamtundu wina, monga galimoto kapena chiphaso chosungitsa ndalama, kuti "muteteze" ngongole yanu. Ngongole zotetezedwa nthawi zambiri zimabwera ndi chiwongola dzanja chochepa poyerekeza ndi ngongole za anthu osatetezedwa.

Ubwino wa ngongole zaumwini ndikuti mutha kugwiritsa ntchito ndalama zomwe mukufuna. Ngongole yaumwiniyi imatha kugwiritsidwa ntchito kupita kutchuthi kapena kugula foni yamakono yatsopano.

✔ ngongole za ophunzira

Iyi ndi njira yabwino yothandizira ophunzira. Ngongole zofala kwambiri m'gululi zili nazo chiwongola dzanja chokwanira kwambiri. Monga wophunzira wanthawi zonse, simuyenera kubweza ngongolezi nthawi yomweyo. Komabe, zomwezo ziyenera kubwezeredwa mukamaliza maphunziro anu ndikuyamba kugwira ntchito.

Kuchuluka kwa ngongole kumadalira zosowa za wophunzira, nthawi ya maphunziro ake ndi mwayi wake wobwezera akalowa ntchito. Wobwereka safunikira kusonyeza kuti akugwiritsa ntchito ndalama zomwe anabwereka.

Atha kugwiritsidwanso ntchito kulipirira maphunziro, kulipira ndalama zatsiku ndi tsiku (lendi, kusungitsa, zoyendera, ndi zina zotero) komanso kulipirira kupeza zinthu zazikulu.

Mabanki ena amaperekanso kumasulidwa kwapang'onopang'ono, kutanthauza kuti ndalama zimatha kutulutsidwa pang'ono chaka chilichonse, m'malo mopezeka zonse nthawi imodzi. Fomulayi ndi yosangalatsa chifukwa ndalamazo zimaperekedwa mogwirizana ndi zosowa zenizeni za wophunzira.

✔ Ngongole zanyumba

une ngongole ndi ngongole - zoperekedwa ndi wobwereketsa nyumba kapena banki - zomwe zimalola munthu kugula nyumba kapena katundu. Ngakhale kuli kotheka kutenga ngongole kuti mulipirire mtengo wonse wa nyumba, ndizofala kwambiri kupeza ngongole za 80% za mtengo wa nyumbayo.

Ngongole iyenera kubwezeredwa pakapita nthawi. Nyumba yogulidwa imakhala ngati chikole pa ndalama zomwe wabwereketsa munthu kuti agule nyumbayo. Izi ndi ngongole zazikulu kwambiri zomwe zapezedwapo.

Pamene mukukonzekera kugula nyumba yanu yoyamba kapena malo, ngongole iyi ndi njira yoyenera. Ngongole zanyumba zimatsimikiziridwa ndi bungwe lomwe mukugulako. Onani kalozera wathu wa zonse za ngongole zanyumba.

✔ ngongole zamagalimoto 

Ngongole yamagalimoto si kanthu koma ndalama zomwe inu, monga wogula, mumabwereka kumabanki kapena mabungwe azachuma kuti mukwaniritse maloto anu ogula galimoto.

Ngongole yamagalimoto ndi ngongole ya ogula, imaperekedwa kwa munthu (kapena kampani) yemwe akufuna kugula galimoto yatsopano kapena yogwiritsidwa ntchito. Popanda ndalama zogulira zoterezi, munthuyu amafunikira ndalama ndipo amatembenukira ku bungwe la ngongole kuti amuthandize.

Bankiyi imalipira wogulitsa m'malo mwa wogulayo ndipo posinthana ndi womalizayo amabwezera ndalama zomwe amalipira mwezi uliwonse monga malipiro a mwezi uliwonse. M'malo mwake, mumalipira ngongole yovomerezeka ndi chiwongola dzanja chodziwika.

Kulipira kwathunthu kwa ogulitsa magalimoto kumapangidwa ndi banki ndipo inu, monga wogula, mupitiliza kulipira banki pakanthawi ndi chiwongola dzanja ndi chindapusa. Nayi nkhani yomwe amalankhula nanu momveka bwino za ngongole zamagalimoto.

✔ ngongole zolipira

Ngongole za Payday ndi ngongole ku nthawi yochepa komanso yokwera mtengo zomwe nthawi zambiri zimayenera kulipira tsiku lotsatira. Mayiko amawongolera obwereketsa tsiku lolipira mosiyana, kutanthauza kuti ngongole yanu ilipo, ndalama zangongole ndipo nthawi yobwezera ingasiyane malinga ndi kumene mukukhala. Ndipo mayiko ena amaletsa ngongole zamasiku onse.

Kuti mubweze ngongoleyo, nthawi zambiri mumafunika kulemba cheke kapena kuvomereza wobwereketsayo kuti achotse ndalama zomwe munabwereka, kuphatikiza chiwongola dzanja chilichonse kapena chindapusa, ku akaunti yanu yakubanki. Ngongole za Payday zili ndi chindapusa chokwera chomwe chingakhale mitengo yapachaka yomwe ingathe kufika ku 400%.

Kupeza ngongole yolipira kungakhale kothandiza ngati muli m'malo ovuta ndipo mulibe ndalama kapena mulibe mwayi wopeza ngongole zotsika mtengo. Ndikupangira nkhaniyi kuti mumvetse bwino za ngongole za tsiku lolipira.

✔ ngongole zanyumba

Ngongole yanyumba ndi mtundu wa ngongole yotetezedwa komwe nyumba yanu imagwiritsidwa ntchito ngati chikole. Ndalama zomwe mungabwereke zimadalira ndalama zomwe zili m'nyumba mwanu. Zimatengeranso kusiyana pakati pa mtengo wamsika wa nyumba yanu ndi ndalama zomwe muli nazo panyumba yanu.

Nthawi zambiri simungabwereke ndalama zopitilira 85% za ndalama zomwe zili m'nyumba mwanu. Popeza mukugwiritsa ntchito nyumba yanu ngati chikole, chiwongola dzanja chanu ndi ngongole yanyumba chikhoza kukhala chochepa kusiyana ndi ngongole yanu yopanda chitetezo.

Mutha kugwiritsa ntchito ngongole yanu yanyumba pazifukwa zosiyanasiyana, kuyambira kukonza zapakhomo mpaka ndalama zachipatala.

✔ Ngongole za kirediti kadi

Mukamagwiritsa ntchito kirediti kadi, muyenera kumvetsetsa kuti mudzafunika kubweza zomwe mwagula kumapeto kwa nthawi yolipira. Makhadi a ngongole amavomerezedwa pafupifupi kulikonse, ngakhale popita kunja. Monga imodzi mwa njira zosavuta zolipirira ngongole zanu, yakhala mtundu wotchuka wangongole.

Kuti mulembetse ndi kuyeneretsedwa kulandira kirediti kadi, zomwe muyenera kuchita ndikulemba fomu yofunsira yosavuta yoperekedwa ndi wopereka khadi. Mukhozanso kusankha kulembetsa kirediti kadi pa intaneti. Makhadi apulasitikiwa amapereka mphotho zazikulu ndi zopindulitsa. Iyi ndi ngongole yomwe muyenera kubweza pa nthawi yake. ndi overdraft banki.

Mwachiwonekere, pali misampha yokhudzana ndi mtundu uwu wa ngongole. Muyenera kumvetsetsa kuti pali chiwongola dzanja chochuluka pandalama zomwe mumabwereka pa kirediti kadi yanu. Ngati simukulipirira mabilu anu pa nthawi yake, chiwongola dzanja chidzawonjezeka. Zingakhale zovuta kusamalira ndalama zanu ndi kuwonjezeka kwa ndalama zomwe mwatsala.

Koma ngati mugwiritsa ntchito khadi la ngongole mwanzeru ndi kuchotsa ngongole zanu zonse panthaŵi yake, zingatsimikiziredi zimenezo kwa bwenzi lanu lapamtima m’thumba mwanu. Ndikukupemphani kuti muwerenge nkhaniyi kuti mudziwe momwe mungachepetsere ndalama kubanki.

✔ Ngongole zamabizinesi ang'onoang'ono

Ngongole zamabizinesi ang'onoang'ono ndi ngongole zomwe zimaperekedwa kwa mabizinesi ang'onoang'ono ndi apakatikati kuti akwaniritse zofunikira zamabizinesi osiyanasiyana. Ngongolezi zitha kugwiritsidwa ntchito pazifukwa zosiyanasiyana zomwe zimathandizira kukula kwabizinesi.

Zina mwazo zingaphatikizepo kugula zida, kugula zinthu, kulipira malipiro a antchito, ndalama zotsatsa, ndi zina.

Njira zoyenereza kubwereketsa mabizinesi ang'onoang'ono zimasiyana kuchokera kwa wobwereketsa kupita ku wobwereketsa. Zodziwika kwambiri ndi zaka za eni bizinesi, zaka zomwe bizinesi yakhala ikuchita, kubweza misonkho, komanso mawu ogulitsira chaka chatha zomwe zatsimikiziridwa ndi Chartered Accountant (CA).

✔ ngongole zowongolera nyumba

Obwereketsa ambiri amapereka ngongole zopangira nyumba. Izi zitha kugwiritsidwa ntchito kulipira ndalama zokhudzana ndi kukonzanso, kukonzanso kapena kukonza nyumba yomwe ilipo.

Kutengera ndi wobwereketsa, pali zambiri zosinthika zomwe mungachite ndi ngongole yowongolera nyumba. Mutha kugwiritsa ntchito kugula zinthu kapena kulipira ntchito.

Mwachitsanzo, mutha kugwiritsa ntchito kulipira ntchito za kontrakitala, womanga nyumba kapena wopanga mkati. Mutha kugwiritsanso ntchito kugula mipando, zida zapakhomo monga firiji, ndi zina. Itha kugwiritsidwanso ntchito kupenta, ukalipentala kapena ntchito yomanga.

✔ Ngongole zaulimi

Ngongole zaulimi ndi ngongole zomwe zimaperekedwa kwa alimi kuti athe kulipirira zolipirira tsiku ndi tsiku kapena zaulimi wamba. Ngongole izi zitha kukhala zazifupi kapena zazitali. Zitha kugwiritsidwa ntchito kuonjezera ndalama zogwirira ntchito zokolola kapena kugula zida zaulimi.

✔ Ngongole zamagalimoto zamawiro awiri

Galimoto yamawilo awiri ndiyofunika kwambiri masiku ano. Kaya ndi ulendo wautali kapena msewu wotanganidwa mumzinda - njinga ndi ma scooters amakuthandizani kuyenda mosavuta.

Ngongole yagalimoto yamawilo awiri ndiyosavuta kufunsira. Ndalamayi yomwe mumabwereka pansi pa ngongole yamtunduwu imakuthandizani kugula galimoto yamawilo awiri. Koma ngati simukulipira ndalamazo panthawi yake ndikuchotsa ngongole yanu, inshuwaransi idzakutengerani mawilo awiri kuti mubweze ngongoleyo.

✔ ngongole zagolide

Ngongole ya golide ingagwiritsidwe ntchito kukweza ndalama, kukwaniritsa zosowa zadzidzidzi kapena zomwe zikuyembekezeredwa. Itha kuthandiza pakukulitsa bizinesi, maphunziro, zadzidzidzi zamankhwala, zolipirira zaulimi, ndi zina.

Ngongole yolimbana ndi golidi ndi ngongole yotsimikizika pomwe golide amayikidwa ngati chikole pamtengo wolingana ndi mtengo wake wamsika pa tsiku lomwe golideyo adalonjeza.

✔ Ngongole zokhazikika za ogula

Ngongole zokhazikika kwa ogula ndi ngongole zomwe zimagwiritsidwa ntchito pogulira zinthu zokhazikika monga zida zamagetsi ndi zida zapanyumba. Kutengera ndi wobwereketsa, atha kugwiritsidwa ntchito kugula chilichonse kuchokera pamafoni am'manja kupita pawailesi yakanema.

✔ Mutual fund ndi stock loans

Ena obwereketsa amapereka ngongole motsutsana ndi mtengo wa mutual fund ndi mtengo wa masheya anu. Komabe, simungathe kubwereka ndalama zambiri pansi pa ngongole zamtunduwu.

🎉Ngongole yanthawi yochepa

Ngongole yanthawi yochepa, yomwe imatchedwanso ngongole yaifupi, imatanthawuza ngongole yomwe imatengedwa kwa zaka ziwiri. Ngongole zazifupi ndizo:

🎯 Ngongole ya ogula

Zimapangitsa kuti zitheke kupereka ndalama zogulira zinthu zogula (galimoto, zida zapakhomo, mipando, ndi zina zotero) kapena ntchito, nthawi zambiri pakati pa miyezi 6 ndi zaka ziwiri. Ndalamazo ndi ma euro zikwi zingapo.

🎯 Ngongole yozungulira

Ndi ndalama zosungiramo ndalama, monga khadi la ngongole kapena mzere wa ngongole, zomwe zingagwiritsidwe ntchito mosinthasintha mkati mwa malire a denga. Nthawi yake nthawi zambiri ndi zaka 2 zongowonjezedwa.

🎯 Kubweza ndalama kubanki

Ndikuchulukira kwakanthawi, kuyambira masiku angapo mpaka miyezi ingapo, kwa ndalama zonse za banki yololedwa ndi banki.

Ngongole zongongole zanthawi yochepa zimagwiritsiridwa ntchito kubweza ndalama zomwe zangotsala pang'ono koma zosakhalitsa, osapereka nthawi yayitali. Chiwongola dzanja ndi chokwera kubwezera pakanthawi kochepa.

🎯 Ubwino ndi kuipa kwa ngongole yanthawi yochepa

✅ Zopindulitsa	❌ kuipa
✔️ Kutalika kwakanthawi kogwirizana ndi zosowa zaposachedwa (miyezi 6 mpaka 24)	✔️ Mtengo wapamwamba wokhala ndi chiwongola dzanja chokwera (nthawi zambiri kuposa 5%)
✔️ Ndalama zomwe zilipo kuyambira ma euro mazana angapo mpaka masauzande angapo	✔️ Kubweza mwachangu komanso kokakamiza kwazaka zingapo
✔️ Zapezedwa mwachangu m'masiku ochepa chabe	✔️ Chiwopsezo cha kukonzanso pafupipafupi komanso kuchuluka kwa ngongole
✔️ Zinthu zimasintha kwambiri kuposa nthawi yayitali	✔️ Osayenerera kulipirira ntchito zofunika pamoyo (nyumba yayikulu, ndi zina zambiri)
✔️ Yankho kwakanthawi kochepa pakafunika ndalama mwachangu	✔️ Sizipanga chopereka chaumwini pazambiri zina (zogulitsa nyumba, etc.)
✔️ Imakulolani kuthana ndi zochitika zosayembekezereka kapena kuchepa kwa ndalama	✔️ Kugulitsanso katunduyo sikutheka musanabweze ndalama zonse

Chidwi cha nthawi yochepa chagona pa kupezeka kwachangu. Koma kukwera mtengo ndi zoopsa zomwe zimagwirizanitsidwa nazo zimafunikira tcheru.

🎉 Ngongole yanthawi yayitali

Ngongole zazitali ndi mitundu ya ngongole zomwe zimakhala ndi nthawi yayitali yobweza, nthawi zambiri zaka zoposa zisanu. Nthawi zambiri amagwiritsidwa ntchito ntchito zazikulu monga kugula nyumba, kugula galimoto kapena kulipira bizinesi.

Ubwino umodzi wa ngongole za nthawi yayitali ndikuti malipiro a mwezi uliwonse akhoza kukhala ochepa, chifukwa nthawi ya ngongole ndi yaitali. Izi zitha kukhala zothandiza makamaka pazinthu zazikulu zomwe zimafuna ndalama zambiri.

Komanso, chiwongola dzanja kwa ngongole yaitali ikhoza kukhazikitsidwa kapena kusinthika. Chiwongola dzanja chosasunthika chimatsimikizira kuti chiwongoladzanja sichidzasintha pakatha nthawi ya ngongole, zomwe zimapereka kukhazikika kwachuma kwa obwereketsa.

Komabe, ngongole za nthawi yayitali zimakhalanso ndi zovuta. Choyambirira, chiwongola dzanja chingakhale chokwera pa nthawi ya ngongole, zomwe zikutanthauza kuti mudzalipira chiwongoladzanja chochulukirapo pa ngongoleyo.

🎯 Ubwino ndi kuipa kwa ngongole yanthawi yayitali

Nayi mndandanda watsatanetsatane wa tebulo lofananizira zabwino ndi zoyipa za ngongole zanthawi yayitali:

✅ Zopindulitsa	❌ kuipa
✔️ Nthawi yobwezera yofunikira ya zaka 5 mpaka 25, mpaka zaka 30 pazogulitsa nyumba.	✔️ Kudzipereka kubweza kwa zaka zambiri
✔️ Ndalama mkulus kuchokera pa makumi angapo mpaka mazana angapo a masauzande a mayuro	✔️ Zinthu nthawi zambiri zimakhala zovuta kuposa nthawi yayitali
✔️ Chiwongola dzanja chochepa kuposa ngongole yanthawi yochepa, pafupifupi 2%	✔️ Kutenga nthawi yayitali, kuyambira miyezi 1 mpaka 6
✔️ Zoyenera kulipira ntchito zazikulu: nyumba yayikulu, maphunziro ...	✔️ Mtengo wonse kuphatikiza chiwongola dzanja pa nthawi yonseyi
✔️ Zimapanga chopereka chanu pazambiri zina, makamaka malo ndi nyumba	✔️ Kulipira mwachangu komanso kokwera mtengo
✔️ Imakulolani kuti musunge ndi kubweza ndalama zomwe mwapeza	✔️ Chiwopsezo changongole cholemera kwambiri komanso chovuta kupirira
✔️ Kupititsa patsogolo kufalikira kwa cholowa chokhazikitsidwa	✔️ Kugulitsanso zosatheka musanabweze ndalama zonse

Phindu la nthawi yayitali limakhala ndalama zambiri ndi mitengo yochepa. Koma kukhala ndi ngongole kumafuna kusamala.

🎉 Ndi liti pamene mungakomere chimodzi kapena chimzake?

Ngongole zazifupi nthawi zambiri zimakhala zabwino kuposa ngongole zazitali nthawi zina.

Mwachitsanzo, ngati mukufuna ndalama zachangu zowononga zosayembekezereka kapena ngati mukutsimikiza kuti mutha kubweza ngongoleyo pakanthawi kochepa, ngongole yanthawi yochepa ingakhale yoyenera.

Kuonjezera apo, ngongole za nthawi yochepa zimagwiritsidwa ntchito pazinthu zazing'ono. Pazifukwa izi, ngongole ya nthawi yayitali sichikhoza osalungamitsidwa chifukwa cha chiwongola dzanja pa moyo wa ngongole akhoza kukhala apamwamba kuposa mtengo wa ndalama zomwezo.

Pomaliza, ngongole zanthawi yochepa zitha kukhala zoyenera kwa anthu omwe ali ndi mbiri yocheperako yangongole kapena omwe sangathe kubweza. Obwereketsa akhoza kukhala ochulukirapo wokonzeka kuvomereza ngongole yochepa chifukwa alibe chiopsezo chochepa kusiyana ndi ngongole za nthawi yaitali.

Zolinga	M'masiku ochepa patsogolo	Nthawi yayitali
Kutalika	2 Turo  Ngongole pakanthawi kochepa	5 kwa zaka 25  Mpaka zaka 30 kubweza ngongole
Ndalama	Mazana ochepa mpaka masauzande a € Amakwaniritsa zosowa zochepa	Makumi masauzande mpaka mamiliyoni angapo ma euro Ndalama zama projekiti akulu
Chiwongola dzanja	Mitengo yambiri, nthawi zambiri > 5%  Mtengo wokwera wangongole	Mitengo yotsika, 2 mpaka 5%  Mtengo wa ngongole kuphatikiza zomwe zili
Kagwiritsidwe	Zofunikira kwakanthawi Kuyenda kwa ndalama, zongochitika ...	Ntchito zofunika Nyumba yayikulu, maphunziro…
Zoyenera kupeza	Zosinthasintha zoperekera Kufikika	Zotsimikizika zoperekera Zitsimikizo zimafunikira
Nthawi zotsogolera	Masiku ochepa Kuyankha mwachangu kwambiri	Miyezi 1-6  Foda yovuta kuti isonkhanitsidwe
Kulipiratu	Ntchito yosavuta yotheka ndi malipiro	Ovuta komanso okwera mtengo Zilango zosokoneza

Gome ili latsatanetsatane limapangitsa kuti kukhale kosavuta kumvetsetsa ma nuances pakati pa lalifupi ndi lalitali pamuyeso uliwonse.

🎉 Mapeto

Pomaliza, nkhaniyi yatithandiza kumvetsetsa bwino za ngongole zamabanki komanso kufunika kwake pochita ntchito zathu komanso akatswiri. Tidasanthula magawo osiyanasiyana ofunsira ngongole, kuyambira pakukonza fayilo yolimba mpaka kukambilana ndi banki.

Tidawonetsanso kufunikira kopereka dongosolo labizinesi lokakamiza, kufufuza mabungwe oyenera azachuma, ndikukonzekera misonkhano ndi oyimira mabanki. Kuonjezera apo, tidakambirana za njira zina ngati akukana ngongole, kulimbikitsa owerenga kufufuza njira zina zopezera ndalama.

Ndikofunika kumvetsetsa kuti kupeza ngongole kubanki kungakhale njira yovuta komanso yovuta, koma potsatira njira zabwino komanso kukonzekera bwino, ndizotheka kukulitsa mwayi wanu wopambana.

🎉FAQ

Kodi ngongole yanthawi yochepa ndi chiyani?

Ngongole yanthawi yochepa ndi mtundu wangongole womwe umayenera kubwezeredwa munthawi yochepa, yosakwana zaka zisanu.

Kodi ngongole yanthawi yayitali ndi chiyani?

Ngongole yanthawi yayitali ndi mtundu wangongole womwe umakhala ndi nthawi yayitali yobweza, yopitilira zaka zisanu.

Kodi pali kusiyana kotani pakati pa ngongole zazifupi ndi zazitali?

Kusiyana kwakukulu pakati pa ngongole zazifupi ndi zazitali ndi nthawi yobwezera ndi chiwongoladzanja.

Ngongole zazifupi zimakhala ndi nthawi yayitali yobweza chiwongola dzanja chochepa komanso chochepa. Ngongole zanthawi yayitali zimakhala ndi nthawi yobweza chiwongola dzanja chotalikirapo komanso chokwera.

Ndisankhe liti ngongole yanthawi yochepa?

Ngongole zanthawi yochepa nthawi zambiri zimakhala zabwino kwambiri pazowonongera zing'onozing'ono. Zitha kukhalanso zoyenera kwa anthu omwe ali ndi mbiri yocheperako ya ngongole.

Ndisankhe liti ngongole yanthawi yayitali?

Ngongole zanthawi yayitali nthawi zambiri zimakhala zabwino pamapulojekiti akuluakulu monga kugula nyumba kapena kulipirira bizinesi.

Akhozanso kupereka malipiro ochepa pamwezi koma amakhala ndi chiwongoladzanja chokwera pa moyo wa ngongoleyo.