Kukonzanso kwa ngongole
Pang'ono ndi pang'ono, makampani akuluakulu apadziko lonse lapansi akhala akulolera msika wogulitsa nyumba m'maiko omwe mabanki ang'onoang'ono anali ndi mphamvu. Chimodzi mwazinthu zokongola kwambiri m'mabanki apadziko lonse lapansi ndikupanganso ndalama (kukonzanso mu Chingerezi) za ngongole; Tiyeni tiwone zomwe akuyang'ana komanso zabwino zake.
1. Amayesetsa kuyeretsa mbiri ya kasitomala
Izi zimachitika kawirikawiri chifukwa banki ikagula ngongole, imatenga "momwe ziliri," zomwe zikutanthauza kuti ngongole zina zimakhala zovuta kapena zimakhala ndi chikole chomwe banki yapadziko lonse lapansi imawona kuti ili pachiwopsezo chachikulu. Chifukwa chake kuperekanso ndalama ndi njira yoyeretsera makasitomala, kusinthira deta (yomwe m'maiko osachita mwadongosolo ndi chisokonezo) komanso kukweza phindu la makasitomala omwe angakhalepo pazinthu zina zomwe banki ikupereka.
2. Sungani mitengo ya ngongole kumayiko akunja.
Ili ndi lupanga lakuthwa konsekonse, koma limapindulitsa wobwereka, yemwe amakhala ndi chiwongola dzanja chambiri chifukwa amawerengedwa ndi ndalama zakomweko ndipo nthawi zambiri amakhala okwera kwambiri chifukwa cha kusatsimikizika kwa kukwera kwamitengo. Monga momwe zimayendetsedwera ndi chiwongola dzanja ndi ndalama zokhazikika, kaya ndi Dollar kapena Euro, zikuwonekeratu kuti chiwongoladzanja ndi chotsika ndipo iwo omwe amapenda nthawi yayitali amazindikira kuti azilipira zochepa; ngakhale chiwongola dzanja chachikulu chalipira kale.
3. Chepetsani ngongole zanyumba.
Ngati Loan Network, amaumirira kwambiri pakubwezeretsanso ngongole, zikhale za kubweza ndalama kapena kubweza yachiwiri pa chitsimikizo chomwecho, poganizira kuti chuma sichinatsike ndipo mwina chapeza phindu lake. Izi zimawathandiza kuti apatse makasitomala njira zingapo zoperekera ndalama.
Malangizo ake ofunikira kwambiri ndi awa:
- Kubwezeretsa (kukonzanso m'Chingerezi) m'malo osavuta
Pozindikira kuti kale kuyerekeza kwam'mbuyomu, chilolezo chobwereketsa ndalama ndi kutseka, bungweli limatsimikizira kuti lili ndi chilichonse chosavuta. Zimenezo ndizabwino.
- Kusankha kulipira ndalama pasadakhale
Njirayi imasungidwa, kulimbikitsa anthu kuti asunge ndalama zambiri, kupereka ndalama komanso kuchepetsa chidwi. Chitsanzo chomwe amawonetsa ngati muli ndi ngongole ya $ 200,000 ndipo $ 2,000 imaperekedwa kwa wamkulu, mutha kuwonetsetsa kuti $ 63 pamwezi, $ 760 pachaka komanso pafupifupi $ 22,000 yonse pokhapokha chiwongola dzanja chosalipidwa. Izi zikutanthauza kuti 1/2% mu chiwongola dzanja, zikuwonekeratu, popeza zaka zoyambilira ndi pomwe chiwongola dzanja chambiri chimalipidwa, ndipo mukamachepetsa mphindikati malo okulirapo akuyerekezedwa kuposa kudulira pakati kapena kumapeto.
- Kuphatikiza Ngongole
Izi Loan Network zimapereka ngati njira ina, kwa iwo omwe ali ndi ngongole zosiyanasiyana monga ma kirediti kadi, ngongole zaumwini, ngongole yanyumba ndi zina zomwe zitha kuikidwa ngongole imodzi popanda kulipira mabungwe azachuma osiyanasiyana.
