Zitsanzo zotsatsa zazing'ono
Kufunsira ngongole yabizinesi ndikuivomereza kungakhale njira yayitali. Nthawi yeniyeni yovomerezeka imasiyanasiyana malinga ndi mtundu wa ngongole, zovuta zake, ndi nthawi yake ya wobwereka popereka chidziwitso chofunikira. Titha kukuthandizani kusonkhanitsa zolemba zoyenera, kaya mukufunsira ngongole ya SBA kapena ngongole yabizinesi yokhazikika.
Koma kudziwa ndendende zomwe mukusaina ndikofunikira monga kulemba tsatanetsatane ndikulemba zolemba molondola. Ngati munagulapo galimoto ndikudabwa kupeza zinthu zowonjezera zomwe zikuwonekera pa ndondomeko yanu ya mwezi uliwonse, mudzadziwa momwe mukumvera. Pankhani ya makontrakitala a ngongole, zambiri sizili zophweka. Ichi ndichifukwa chake ndikofunikira kulabadira zolemba zabwino, zomwe nthawi zambiri zimapezeka m'makalata otsimikizira kapena gawo la mgwirizano.
Zina mwazinthu zazikulu zomwe zimapanga mgwirizano wa ngongole sizikhala zomveka monga momwe mungayembekezere. Mwachitsanzo, zolembazo zimatha kukhala ndi luso latsatanetsatane komanso zovuta, ziyeneretso kapena zoletsa zamalonda, komanso chidziwitso chofunikira chokhudza momwe mungabwereke ngongole. Zinthu zofunika kuziganizira ndi izi:
zitsanzo zazing'ono
Ngati kusankha kubwereketsa bwino kunali kufuna kupeza chiwongola dzanja chotsikitsitsa, anyamata ngati ine sakanakhala ndi zambiri zoti alankhule. Kupatula apo, chinthu chilibe masiyanidwe amakhalidwe, ndichifukwa chake mbiya imodzi yamafuta otsekemera opepuka imakhala yabwino ngati ina. Koma ngongole zanyumba zimakhala ngati matayala a galimoto, chifukwa muzochitika zonsezi, kusiyana kwa khalidwe sikungayamikiridwe mpaka mochedwa. Tiyeni tiwone mbali za zolemba zabwino zomwe muyenera kuzisamala komanso chifukwa chake.
Ngati muli ndi chiwongola dzanja chosinthika ndikusankha kutseka, kodi mgwirizano wanu ukunena kuti mudzaperekedwa bwanji? Gulu la obwereketsa lidzakupatsani chiwongola dzanja chawo chabwino pa nthawi iliyonse yokhazikika yomwe ndi nthawi yotsalira pa ngongole yanu yanyumba. Gulu lina lidzakupatsani kuchotsera kokhazikika pamitengo yawo yamakono, yomwe ingakhale yochepa ngati 1%. Kuti tiwone bwino, kuchotsera kwa 1% pamtengo wokhazikika wazaka zisanu kudzakhala 5,25% poyerekeza ndi chiwerengero cha 4,35% chomwe gulu loyamba lingapereke. Pa ngongole ya $300.000, ndiko kusiyana kwa $150 pamwezi pachiwongola dzanja.
Chitsanzo Chodzikanira Chosindikizira Chaching'ono
"Fine print" ndi liwu lomwe limatanthawuza ziganizo ndi zikhalidwe za mgwirizano, zowululidwa, kapena chidziwitso china chofunikira chomwe sichinaphatikizidwe m'gulu lalikulu la chikalata, koma choyikidwa m'mawu am'munsi kapena m'chikalata chowonjezera.
Kuŵerenga ndi kumvetsa zilembo zake n’kofunika kwambiri posaina pangano. Nthawi zambiri imakhala ndi zidziwitso zomwe wotumiza sakufuna kudziwitsa wolandirayo, koma ndizofunikira kuti wozilandira adziwe.
Zolemba zabwino zimapereka chidziwitso chowonjezera komanso chofunikira chomwe chili chofunikira kumvetsetsa mgwirizano wonse kapena chidziwitso choperekedwa. Nthawi zina kusindikizidwa bwino sikumawoneka kokongola, kotero olemba makontrakitala amakwirira m'malo moyika patsogolo ndi pakati, zomwe zimapangitsa kuti zikhale zovuta komanso zosamveka bwino kuti munthu adziwe zomwe akusayina.
Mwachitsanzo, munthu akhoza kulowa nawo masewera olimbitsa thupi ndipo, patatha miyezi itatu osagwiritsa ntchito, amasankha kusiya kuti asawononge ndalama zake. Mukapita kukaletsa, mumauzidwa kuti kulembetsa kwanu ndi kontrakitala kwa miyezi 12, zomwe zidaphatikizidwa ndi zilembo zabwino koma sizinadziwitsidwe momveka bwino kwa munthuyo atasaina pangano.
Bili Yankhongole Yaing'ono Yankhani Yankho
Kodi munayesapo kugwiritsa ntchito makuponi m'sitolo ndikukuuzani kuti sikugwira ntchito pazinthu zanu? Sikumverera bwino. Ndi mmenenso mumamvera mukasaina pangano logula galimoto kapena nyumba. Kenako mumazindikira kuti panali zolipiritsa zobisika ndi zinthu zomwe zidasindikizidwa pazinthu monga kubweza ngongole. Ndizokhumudwitsa kwambiri: makampani amakudalirani kuti simukuwerenga zolemba zabwino m'makontrakitala ndikugwiritsa ntchito mawuwa kuti akuwonongeni.
Kusindikiza bwino, komwe kumadziwikanso kuti kusindikiza kwa mbewa, ndi kalembedwe kakang'ono komwe kamapezeka pansi pa makontrakiti. Mtundu waukulu kwambiri, wowoneka bwino kwambiri ndi mawu ofunikira pamalonda, monga "20% kuchotsera pazosankha zokongola" kapena "Renti ndi $1.300 pamwezi." Kusindikiza bwino ndi kumene malonda enieni amalembedwa, monga "Zosavomerezeka pa zinthu za Cover Girl" kapena "Kutentha, gasi, ndi magetsi sizikuphatikizidwa." Kusindikiza kwabwino ndikomwe muyenera kusamala chifukwa ndipamene makontrakitala amatha kubisa ndalama ndi ma term okwera mtengo, komabe m'modzi yekha mwa 1 wa ife timavutikira kuwerenga.
Kupeŵa kuŵerenga zilembo zabwino kungayambitse zolakwa zazikulu. Simungazindikire zomwe zabisika mu ngongole yanu yobwereketsa zokhudzana ndi chindapusa ndi misonkho ya khonsolo, inshuwaransi yanu yokhudzana ndi ndalama zomwe mumalipira, mgwirizano wanu wobwereketsa wokhudzana ndi zowonongeka, kapena mgwirizano wa kirediti kadi okhudzana ndi APR yanu. Caroline Mayer wa magazini ya Forbes analemba nkhani yabwino kwambiri yokhudza kuyankhulana kwake ndi David Cay Johnston, wolemba The Fine Print: How Big Companies Use "Plain English" ndi Other Tricks to Rob You Blind. ) za machenjerero omwe amagwiritsidwa ntchito kukuberani, ndi momwe zikuipiraipira.
