Kodi makalata a ngongole ndi ati?

1. Wofunsira
Munthu amene amafunsira kubanki kuti apereke kalata yangongole, yomwe imadziwikanso kuti ndi wopereka kalata yangongole;
Zoyenera:
① Perekani satifiketi malinga ndi mgwirizano
②Lipirani ndalama zolipirira kubanki
③Lipirani dongosolo la chiwombolo munthawi yake
Ufulu:
①Kuyendera, kuyitanitsa chiwombolo
②Kuyendera, kubwerera (zonse kutengera kalata ya ngongole)
Zindikirani:
① Ntchito yoperekayo ili ndi magawo awiri, omwe ndi pempho loperekedwa ndi banki yomwe idapereka komanso chikalata ndi chitsimikizo ndi banki yomwe idapereka.
②Chilengezo chakuti umwini wa katundu musanalipire chikalata chowombola ndi wa kubanki.
③Banki yomwe ikupereka ndi banki yake ndiyomwe imayang'anira chikalatacho.Udindo wotsatira
④Banki yomwe idaperekayo ilibe vuto lililonse pakubweretsa zikalata
⑤Osakhala ndi udindo wa "force majeure"
⑥Chitsimikizo cha malipiro osiyanasiyana
⑦Banki yopereka ikhoza kuwonjezera ma depositi nthawi iliyonse ngati satifiketi ilipo
⑧Banki yoperekayo ili ndi ufulu wosankha inshuwaransi yonyamula katundu ndikuwonjezera kuchuluka kwa inshuwaransi Ndalamazo zimaperekedwa ndi wopempha;

2. Wopindula
Amatanthauza munthu amene watchulidwa pa kalata ya ngongole yemwe ali ndi ufulu wogwiritsa ntchito kalata yangongole, ndiye kuti, wogulitsa kunja kapena wogulitsa weniweni;
Zoyenera:
①Mutalandira kalata yangongole, muyenera kuyang'ana ndi mgwirizano munthawi yake.Ngati sichikukwaniritsa zofunikira, muyenera kufunsa banki yomwe ikuperekayo kuti isinthe kapena kukana kuvomereza posachedwa kapena funsani wopemphayo kuti alangize banki yoperekayo kuti isinthe kalata yangongole.
②Ngati zivomerezedwa, tumizani katunduyo ndikudziwitsa wotumiza., konzani zikalata zonse ndikuzipereka ku banki yokambirana kuti akambirane mkati mwa nthawi yodziwika.
③Khalani ndi udindo wowona zolembedwazo.Ngati sizikugwirizana, muyenera kutsatira malangizo a banki yoperekayo ndikuwongolera zikalatazo mkati mwa malire anthawi omwe afotokozedwa m'kalata yangongole;

3. Banki yotulutsa
Amatanthauza banki yomwe imavomereza kupatsidwa kwa wopemphayo kuti apereke kalata ya ngongole ndikukhala ndi udindo wotsimikizira kulipira;
Zoyenera:
①Kupereka satifiketi molondola komanso munthawi yake
②Khalani ndi udindo pamalipiro oyamba
Ufulu:
①Sonkhanitsani ndalama zoyendetsera ndi ma depositi
②Kanani zikalata zosagwirizana ndi omwe adzapindule kapena banki yomwe akukambirana
③Pambuyo pa kulipira, ngati wopempha woperekayo sangathe kulipira chiwombolo, zikalata ndi katundu zitha kukonzedwa;
④Kuchepa kwa katundu kutha kubwerezedwa pamlingo wopereka satifiketi;

4. Kulangiza banki
Zimatanthawuza kupatsidwa udindo ndi banki yomwe ikupereka.Banki yomwe imasamutsa kalata yangongole kwa wogulitsa kunja imangotsimikizira kutsimikizika kwa kalata yangongole ndipo saganiziranso maudindo ena.Ndilo banki kumene katunduyo ali;
Udindo: muyenera kutsimikizira kuti kalata ya ngongole ndi yowona
Ufulu: Bank yotumiza katundu ndi yomwe ili ndi udindo wosamutsa

5. Kukambirana banki
Zimatanthawuza banki yomwe ili yokonzeka kugula zolemba zomwe zimaperekedwa ndi wopindula, ndipo kutengera chitsimikiziro cha malipiro a kalata yopereka ngongole ku banki ndi pempho la wopindula, kupititsa patsogolo kapena kuchotsera zolemba zomwe zimaperekedwa ndi wopindula malinga ndi Zomwe zili m'kalata yangongole, ndipo zimapereka kalata yangongole ndi banki komwe mabanki amalipira (yomwe imadziwikanso kuti banki yogulira, banki yolipirira ndi banki yochotsera; nthawi zambiri banki yolangizira; pali kukambirana kochepa komanso kukambirana kwaulere)
Zoyenera:
①Unikaninso zikalata
② Zolemba zapatsogolo kapena zochotsera
③ kalata yotsimikizira za ngongole
Ufulu:
①Zokambirana kapena zosagwirizana
② (katundu) zolemba zitha kukonzedwa pambuyo pokambirana
③Pambuyo pa zokambirana, banki yoperekayo imasowa ndalama kapena kukana kulipira pachifukwa choti abweze ndalamazo kwa omwe adzalandira.

6. Banki yolipira
Amalozera ku banki yoperekedwa kuti ilipire pa kalata yangongole.Nthawi zambiri, banki yolipira ndi banki yopereka;
Banki yomwe imalipira wolandila zikalata zomwe zimagwirizana ndi kalata yangongole (poganizira banki yomwe ikupereka kapena banki ina yomwe ili nayo)
Ufulu:
①Ufulu wolipira kapena kusalipira
②Ikalipidwa, palibe ufulu wopita kwa wopindula kapena yemwe ali ndi bilu;

7. Bank yotsimikizira
Banki yopatsidwa ndi banki yoperekayo kuti itsimikizire kalata yangongole m'dzina lake;
Zoyenera:
①Onjezani "malipiro otsimikizika"
②Kudzipereka kolimba kosasinthika
③ Kudziyimira pawokha pakalata yangongole ndikulipira voucha
④Mukalipira, mutha kuyitanitsa kubanki yomwe ikupereka
⑤ Ngati banki yoperekayo ikukana kulipira kapena kugwa, ilibe ufulu wopempha wopindulayo Recourse ndi banki yomwe ikukambirana.

8.Kuvomereza
Zimatanthawuza kubanki yomwe imavomereza zomwe zaperekedwa ndi wopindula komanso ndi banki yolipira

9. Kubweza ndalama
Zimatanthawuza banki (yomwe imadziwikanso kuti banking bank) yomwe yapatsidwa ndi banki yoperekayo m'kalata yangongole kuti ibweze zomwe zaperekedwa ku banki yomwe ikukambitsirana kapena kulipira banki m'malo mwa bankiyo.
Ufulu:
①Ingolipirani osawunikanso zikalata
②Ingolipirani popanda kubweza
③Banki yomwe ikupereka idzabweza ngati sibwezeredwa