Loan Kakuleta

Lowani kuchuluka ndi liwu la ngongole, chiwongola dzanja ndi mtundu wa malipiro.
Werengetserani adzakhala kuwerengera ndalama za malipiro, ngongole ndi mtengo wa ngongole.

More anthu zazikulu kugula pogwiritsa ntchito misonkhano ya ngongole. Banks ndi sanali banki mabungwe kupereka kupeza ngongole kwa zosiyanasiyana zinthu. Pamene inu kutenga ngongole yaikulu Mwachitsanzo, kugula nyumba, galimoto ngongole kumanga nyumba, kapena kukula kwa ntchito yawo, ndikofunika kudziwa kuti ngongole mudzatha kuchita. Kunena zoona yosankha ngongole pulogalamu, timapereka kuti ntchito yathu ngongole Werengetserani. Lowani mu yoyenera minda ngongole ndalama, mawu a alipire wa ngongole ku miyezi ndi chiwongola dzanja, komanso mwachindunji mtundu wa malipiro - annuity kapena kusiyanitsidwa, ndipo mukhoza kupeza chimene mbali ya malipiro pa ngongole ntchito kubweza ngongole ndiponso zimene alipire chidwi pa ngongole, muyezo zake ngongole ndi miyezi, kuchuluka kwa overpayment ngati mwezi, ndi ngongole yonseyo akuti, ndi weniweni chiwongoladzanja pa ngongole.

Kusiyanitsidwa malipiro

Pamene kusiyanitsidwa njira alipire wa mangawa pa ngongole kuchuluka kwa ngongole agawidwa magawo ofanana. Awa ndiwo magawo chochuluka cha ndalama. Yotsalira gawo akuimira chidwi pa osalipidwa bwino ngongole. Choncho mwezi ndi mwezi kuchuluka kwa ndalama amachepetsa.
Mu njira alipire ali zolakwika.
Chief mwa iwo kuti ngongole kubweza ngongole m'njira kovuta kupeza.
Banks ndi kuwerengera pazipita kuchuluka kwa ngongole, zochokera Ndipotu ngati wobwereka amatha kulipira chigawo choyamba. Izi zikutanthauza kuti kupeza amenewa ngongole chofunika kukhala mkulu mokwanira ndalama. Nthawi zina zikhoza kukuthandizani belo guarantors kapena co-borrowers kukopa.
Wina drawback n'chakuti zoyambirira za mawu a malipiro aakulu kwambiri kwa wobwereka. Ngati yaikulu ngongole mukhoza kukhala ndi katundu wolemera kwa wobwereka. Koma m'tsogolo izi chilema akhale ukoma. Kufufuma ndi kuchepekela chidwi malipiro anapanga zochepa olemetsa.

Annuity malipiro

Pamene annuity njira alipire wa mangawa pa ngongole agawidwa ofanana mbali izo si kuchuluka kwa ngongole, komanso chidwi pa izo wonse ngongole akuti. Choncho, wobwereka amalipira ofanana waukulu zopereka lonse akuti ndi ndalama. Today, njira malipiro ntchito kwambiri malonda mabanki. Waukulu sangathe annuities n'chakuti kuchuluka kwa overpayment pa ngongole adzakhala kuposa mu kusiyanitsidwa dongosolo. Kuwonjezera Annuity malipiro dongosolo amaganiza kuti zoyambirira za ngongole akuti inu kulipira makamaka chidwi pa ngongole. Mfundo zikuluzikulu kuchuluka kwa ngongole pa nthawi imeneyo akhala pafupifupi n'komwe.

Linanena bungwe

Ngati inu mukufuna kutenga ngongole yaikulu ndalama ndi mulibe kukonza kubweza izo asanakalambe, mungalole ngongole ndi annuity malipiro dongosolo.
Nthawi zina, makamaka pankhani yaitali ngongole, ndi bwino kusankha banki umene opambana ngongole ndi kusiyanitsidwa malipiro.