Kubweza ngongole
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.
Kusintha kwa ma invoice
Ngati muli ndi ngongole yanyumba, malipiro anu amalipidwa tsiku loyamba la mweziwo. Komabe, pali kachitidwe kofala m'makampani, komwe mumakhala mpaka pa 16 (kapena tsiku loyamba la bizinesi pambuyo pake) kuti mulipire popanda kulipira. Iyi imatchedwa nthawi yachisomo.
Palibe cholakwika ndi kulipira panthawi yachisomo. Komabe, simukufuna kukhala ndi chizolowezi chozisiya. Kaya tsiku lomaliza la nthawi yachisomo likuwoneka mu mgwirizano (pa 10, 16, ndi zina zotero), ndilo tsiku limene wobwereketsa ngongole ayenera kukhala nayo m'manja mwake. Ngati tsikulo lifika patchuthi kapena ngati pali kuchedwa kwa makalata kapena mabanki, simukufuna kuti mukhale ndi chindapusa mochedwa.
Ngati mulipira kupyola tsiku la chisomo chanu, ndiye kuti zotsatira zake zimayamba kuonekera. Nthawi zambiri, mukalipira ngongole yanu pambuyo pa nthawi yachisomo, mutha kukhala ndi chindapusa mochedwa chomwe chafotokozedwa mu mgwirizano wanu wanyumba, imodzi mwazinthu zingapo zomwe mungathe kubwereketsa nyumba.
Malire angongole
Nthawi yachisomo ndi nthawi yokhazikitsidwa pambuyo pa tsiku lomwe mungalipire 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.
Cash advance ndi chiyani
Anna Baluch walemba mazana a zolemba za ngongole zaumwini ndi za ophunzira, ngongole zanyumba, kubweza ngongole, kukonza bajeti, kubanki, ndi zina. Zawonetsedwa pamasamba otchuka azachuma monga LendingTree, Credit Karma, Experian, Rocket Mortgage, Policygenius, US News & World Report, ndi American Express. Anna ali ndi MBA kuchokera ku Roosevelt University.
Andy Smith ndi Certified Financial Planner (CFP), wogulitsa nyumba ndi nyumba, komanso mphunzitsi wazaka zopitilira 35 zakuwongolera zachuma. Iye ndi katswiri pazandalama zaumwini, zachuma zamakampani ndi malo ogulitsa ndipo wathandiza masauzande amakasitomala kukwaniritsa zolinga zawo zachuma pantchito yake yonse.
Nthawi yachisomo ndi kuchuluka kwa nthawi yomwe mukuyenera kukwaniritsa zofunikira pazachuma, monga kirediti kadi kapena kubweza ngongole yanyumba, pambuyo pa tsiku loyenera, popanda chilango chochepa kapena osalandira konse. Nyengo za chisomo zimasiyana motalika ndipo zimatengera wobwereketsa kapena wobwereketsa, komanso mtundu wangongole.
Nthawi yanthawi yomaliza yobwereketsa kapena tsiku lomaliza lomwe simudzakumana ndi zotulukapo zilizonse ngati mwachedwera kulipira imatchedwa nthawi yachisomo. Mutha kuganiza za nthawi yachisomo monga nthawi yopuma kapena yopuma yotentha kusukulu ya pulayimale: Ndi mwayi wokonzekera zomwe mukufuna kuchita, koma muyenera kutero nthawi isanathe.
