Pali mitundu yosiyanasiyana ya ngongole yomwe ingapezeke ngati kuti inagwiritsidwa ntchito, malinga ngati muli ndi ndalama zowonjezera monga kusowa ntchito, kulemala kapena kulipira ndalama.
Ulova umakhala ngati ndalama ndi ena ogulitsa.
Zina mwa njira zotsika mtengo komanso zowonjezera kupeza ndalama mwamsanga zimaphatikizapo kugwiritsa ntchito makadi a ngongole kuti mupeze ndalama zowonjezerapo kapena kufunsa abwenzi kapena abambo ngongole. Zosankha zina ndizo:
Kulipira Kunyumba Yanu Kapena Inshuwalansi ya Moyo
- A Home Equity Line Credit (HELOC) ndi mtundu wa ngongole yomwe ikufanana ndi kukhala ndi khadi la ngongole yokhala ndi kayendedwe ka ndalama. Ngati muli ndi ndalama zambiri mu malo ogulitsa nyumba, ndi mtundu wina wa ndalama (kusowa ntchito, alimony, etc.) izi zingakhale zosankha.
- Kuyankhulana ndi kampani ya inshuwalansi ya moyo wanu pokhudzana ndi ndondomeko yanu kungapereke ndalama zochepa. Lankhulani ndi banki lanu lanu kapena bungwe la ngongole kuti mumve malangizo.
- Pomwe ngongole ikabwezeredwa, ngongole idzadzibwezeretsanso nthawi ina yomwe mukufuna.
- Izi ngongole nthawi zambiri zimatambasulidwa kwa nthawi yaitali ndipo zimakhala zosasinthasintha ngati okongola akhoza kukonza mapangidwe a zaka 5 mpaka 25.
Ngongole ndi Olemba Zolemba
Ngati n'kotheka, bwenzi kapena wachibale amene ali ndi ngongole yabwino angakonde kulemba ngongole, ndikukupatsani mwayi wabwino wopezera ngongole ndi ngongole yaikulu.
Mudzafunikanso kutsimikizira kuti ndizochokera phindu lanji ndipo mudzapindula ndi chikalata cholembedwa kuti mutsimikizire wogulitsa ngongole amene wothandizira ndalama akupezeka.
Kusintha kwa Chuma
Makhadi ambiri a ngongole amapereka ndalama. Ndi njira yofulumira kupeza ndalama, koma zindikirani kuti chiwongoladzanja chimawoneka chapamwamba.
Zokongoletsa Mutu wa Galimoto
Ngati galimoto yanu ilipiridwa kale kapena ilipo mokwanira kuti ikhale yamtengo wapatali kuposa momwe mukulipirira, ngongole yaulere ya galimoto ndizofuna ndalama zofulumira.
Ndimasintha kusintha kwa manja komwe kampani ya ngongole ya ngongole imagwira mutu mpaka ngongole ya galimoto imalipidwa. Mofanana ndi zina zomwe mungasankhe, makampani a ngongole a ngongole amafunika ndalama zowonjezera, koma ambiri amavomereza ma cheke ngati umboni. Mapulogalamu ambiri amapezeka pa intaneti ndikukufunsani kuti mubweretse galimoto kuti ifufuze payekha, ndipo ena akhoza kuchita zonse mwakamodzi. Ndi ufulu kuti mugwiritse ntchito, koma pali malipiro oposa ngati mukuvomereza ngongole. Mitengoyi ndi yapamwamba koma osati yapamwamba ngati kulipira ngongole, ndipo mawu a ngongole nthawi zambiri amakhala motalika.
Ndalama Zothandizira Ngongole
Ngongole zolimbitsa ngongole ndi njira yochepetsera kulipira kwa mwezi ndi kulipira ngongole mosavuta, makamaka ngati palibe ndalama zobwera. Makampani othandizira kafukufuku wa ngongole kuti adziwe za ngongole kwa osagwira ntchito. Ndi ngongole yomangiriza ngongole, mutha kupeĊµa ngongole, kuchepetsa chiwongoladzanja, ndi kutha malipiro ochedwa.
Pawnbrokers
Pawnbrokers ndi gwero lina la ngongole kwa osagwira ntchito. Iwo ndi osiyana ndi makampani a ngongole zapamwamba chifukwa simukuyenera kusiya chinthucho mpaka mutabweza ngongole. Ngati mulibe ndalama iliyonse, izi zingakhale zabwino kwambiri kwa inu. Chilichonse chimene mungasankhe kuti chibweretse chidzadziwika, kawirikawiri chochepa kwambiri kuposa chofunika kwambiri.
Adzakupatsa ngongole kwa theka la, kupereka kapena kutenga, malingana ndi masitolo ogulitsa pawn payekha. Ngati simubwezera ngongole kuphatikizapo chiwongoladzanja kapena mukufuna kupitiriza kulandira ngongoleyi, adzasunga chinthucho kuti chilipire. Ngongole yanu siidzakhudzidwa ngati mukuyenera kusinthika pa ngongole.
Ndalama Zangongole / Zopereka Zowonjezera
Malo ambiri olipirako ngongole amalandira umboni wa kusowa ntchito, kulemala kapena alimony (kapena magwero ena a ndalama zonse) m'malo mwa malipiro. Iwo amangoganizira ndi umboni wa ndalama zina kulowa mu akaunti pokonzekera malipiro a tsiku la ngongole. Payday ngongole ndi nthawi yayitali ndipo ndi okwera mtengo, koma ndizosankha ngati ndalama ndi zolimba komanso zofunika nthawi yomweyo.
Ogulitsa Ena
Okwanira ena amapereka ngongole kwa osagwira ntchito popanda malemba ambiri kapena umboni wa ndalama zowonongeka ngati mutha kuika ndalama zambiri (25% kapena kuposa).
Lankhulani ndi obwereketsa osiyanasiyana (pagulu ndi zapadera) za kugwiritsa ntchito ndalama zenizeni monga malipiro a ngongole yomwe mungakonzekere.