Lamulo la kuchepa kwa nyumba
Malipiro a ngongole yanyumba amakhala ndi nthawi yachisomo ya masiku 15 kuchokera tsiku loyenera kulipira. Ngati kutha kwa nthawi ya masiku 15 kudzakhala Loweruka, Lamlungu, kapena tchuthi, nthawi yachisomo imawonjezedwa mpaka tsiku lotsatira lantchito. Pambuyo pa nthawi yachisomo iyi, ndalama zochedwa zidzagwiritsidwa ntchito monga momwe zafotokozedwera papepala lanyumba.
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Kubweza mochedwa kubweza pa nthawi ya covid
Kusiyana kwakukulu pakati pa nthawi yachisomo ndi kuchedwetsa ndi nthawi yomwe wobwereka akuyenerera chilichonse mwazolipira zomwe zachedwetsa pangongole yomwe wapatsidwa. Nthawi yachisomo ndi nthawi yoperekedwa yokha pangongole pomwe wobwereka sayenera kulipira wopereka ndalama zilizonse zangongole, ndipo wobwereka sadzalandira chilango chilichonse chifukwa chosalipira.
Malipiro atha kupangidwa panthawi yachisomo komanso kuchedwetsa, koma sizofunika. Kulipira ngongole za ophunzira panthawi yachisomo ndi kuchedwetsa kumachepetsa kuchulukana komanso kuchulukitsa chiwongola dzanja.
Nthawi zachisomo ndizofala pa ngongole zachitukuko, monga ngongole za ophunzira ku federal, zomwe zimakhala ndi nthawi yachisomo ya miyezi isanu ndi umodzi mutasiyana sukulu, ndi ngongole zagalimoto kapena zanyumba, zomwe nthawi zambiri zimakhala ndi nthawi yachisomo.
Munthawi yachisomo, chiwongola dzanja chikhoza kukwera kapena sichingachitike, kutengera zomwe wabwereketsa. Ngongole za Stafford zothandizidwa ndi boma sizimapeza chiwongola dzanja, pomwe ngongole za Stafford zosathandizidwa zimachita panthawi yachisomo.
Malipiro anyumba osalipidwa
Nthawi yachisomo ndi nthawi yoikika pambuyo pa tsiku lomwe malipiro angapangidwe popanda chilango. Nthawi yachisomo, nthawi zambiri masiku 15, nthawi zambiri imaphatikizidwa ndi ngongole zanyumba ndi inshuwaransi.
Nthawi yachisomo imalola wobwereka kapena kasitomala wa inshuwaransi kuchedwetsa kulipira kwakanthawi kochepa kupyola tsiku loyenera. Panthawi imeneyi, palibe malipiro ochedwa, ndipo kuchedwa sikungabweretse kusalipira kapena kuchotsedwa kwa ngongole kapena mgwirizano.
Komabe, ndikofunikira kuyang'ana mgwirizano kuti mudziwe zambiri za nthawi yachisomo. M'mapangano ena a ngongole palibe chiwongola dzanja chowonjezera chomwe chimaperekedwa panthawi yachisomo, koma ambiri amawonjezera chiwongola dzanja panthawi yachisomo.
Pofotokoza za nthawi yachisomo ya ngongole, ndikofunikira kukumbukira kuti makhadi alibe nthawi yachisomo pakulipira kwawo kochepa pamwezi. Chilango chobweza mochedwa chimawonjezedwa tsiku lomaliza litatha ndipo chiwongola dzanja chimachulukirachulukira tsiku lililonse.
Komabe, mawu akuti grace period amagwiritsidwa ntchito pofotokoza zochitika pangongole ya ogula: nthawi yomwe chiwongola dzanja pa zogula zatsopano chitha kuperekedwa ku kirediti kadi imatchedwa nthawi yachisomo. Nthawi yachisomo ya masiku 21 imeneyi cholinga chake ndi kuteteza ogula kuti asatengedwe chiwongoladzanja pakugula ndalamazo zisanakwane.
Kodi nthawi yachisomo pa ngongole ndi yotani
Kodi mumadziwa kuti pali kusiyana pakati pa wobwereketsa wanu ndi manejala wanu? Wobwereketsa ndi kampani yomwe mumabwereka ndalama, nthawi zambiri kubanki, mgwirizano wa ngongole, kapena kampani yobwereketsa nyumba. Mukalandira ngongole yanyumba, mumasayina mgwirizano ndikuvomera kulipira wobwereketsayo.
Woyang'anira ndi kampani yomwe imayang'anira kasamalidwe ka akaunti yanu tsiku ndi tsiku. Nthawi zina wobwereketsa amakhalanso wothandizira. Koma nthawi zambiri, wobwereketsa amakonza zoti kampani ina ikhale ngati woyang’anira. Ndikofunikira kudziwa wobwereketsa nyumba chifukwa ndi kampani yomwe
Nthawi zambiri, woyang'anira ayenera kubweza ndalama ku akaunti yanu tsiku lomwe mwalandira. Mwanjira imeneyi, simudzayenera kulipira ndalama zowonjezera, ndipo malipirowo sawoneka mochedwa kwa wobwereketsa. Zolipira mochedwa zimawonekera pa lipoti lanu la ngongole ndipo zingakhudze kuthekera kwanu kopeza ngongole m'tsogolomu. Kulipira mochedwa kwambiri kungayambitse kusakhulupirika ndi kulandidwa.
Unikaninso makalata, maimelo, ndi ziganizo zonse mukalandira kuchokera kwa omwe akubwereketsa nyumba. Onetsetsani kuti zolemba zanu zikugwirizana ndi zanu. Oyang'anira ambiri (kupatula ang'onoang'ono) amafunikira kuti akupatseni kabuku kakuponi (nthawi zambiri chaka chilichonse) kapena chiganizo chilichonse cholipira (nthawi zambiri mwezi uliwonse). Othandizira amayenera kutumiza ziganizo pafupipafupi kwa onse obwereketsa omwe ali ndi ngongole zanyumba zosinthika, ngakhale atasankha kuwatumizira mabuku akuponi.
