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Nthawi yachisomo ndi nthawi yomwe obwereketsa amalola kuti obwereka azilipira asanabweze ngongoleyo kapena kubweza ngongoleyo. Pali mitundu iwiri ya nthawi yachisomo. Yoyamba imanena za nthawi yopitilira tsiku lomwe wobwereketsa amalola makasitomala kuti alipire. Chachiwiri chikugwiritsidwa ntchito pa nthawi yomwe wobwereketsa salipira chiwongoladzanja pa ndalama za akaunti.
Obwereketsa akuyenera kuwunikanso zikalata zawo zangongole ndi mapangano angongole kuti adziwe zambiri zanthawi yachisomo yomwe imakhudza maakaunti. Pama kirediti kadi, nthawi yachisomo ndi nthawi yapakati pa kutha kwa nthawi yolipira ndi tsiku loyenera, panthawi yomwe akauntiyo sipanga chiwongola dzanja pa ndalama zonse. Ngongole za ophunzira zimakhalanso ndi nthawi yachisomo pakati pa nthawi yomwe wophunzirayo amamaliza maphunziro kapena kusiya sukulu ndi nthawi yobwezera ngongoleyo ikayamba.
Mutha kuwona chitsanzo cha nthawi yachisomo pa statement yanu yanyumba. Kuphatikiza pa kuchuluka kwa malipiro ndi tsiku loyenera, muyenera kuwona ndalama zina zomwe mungalipire ngati mutalipira pambuyo pa tsiku linalake. Nthawi zambiri, wobwereketsa amakupatsani masiku 15 kuti mulipire ndalama pamwezi musanawonjezere ndalama mochedwa.
Kukhwima kwa ngongole yanyumba kumakhala kumapeto kwa sabata
Ngati muli ndi ngongole yanyumba, malipiro anu amalipidwa tsiku loyamba la mweziwo. Komabe, pali chizolowezi chodziwika bwino pamakampani pomwe mumakhala mpaka tsiku lomaliza la 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 (wa 10, 16, ndi zina zotero), ndilo tsiku limene wobwereketsa nyumba ayenera kukhala nacho. 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.
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Kuwulura: Nkhaniyi ili ndi maulalo ogwirizana, zomwe zikutanthauza kuti timalandira ntchito mukadina ulalo ndikugula zomwe talimbikitsa. Chonde onani ndondomeko yathu yowulula kuti mumve zambiri.
Munthawi zosatsimikizika zino, anthu aku America ambiri amapezeka kuti akufunika thandizo lazachuma kapena thandizo. Izi zikhoza kubwera m'njira zosiyanasiyana, kuphatikizapo kuchedwetsa kulipira ngongole, kulandira ulova, kapena kupeza cheke cholimbikitsana ndi boma, kungotchulapo zochepa chabe. Zikafika panyumba yanu yobwereketsa, chithandizo chikhoza kupezeka mu nthawi yachisomo.
Nthawi yachisomo ingatanthauzidwe ngati nthawi yodziwika pambuyo pa tsiku loyenera la malipiro kapena udindo umene chilango chilichonse chimachotsedwa, malinga ngati udindo kapena malipiro apangidwa panthawiyo. Ngati malipiro onse sanapangidwe mkati mwa nthawi yachisomo, ndalama zochedwa zidzaperekedwa ndipo mabungwe a ngongole adzadziwitsidwa za kusakhazikika kwa ngongole ya nyumba.
Mwinamwake uphungu wofunikira kwambiri umene timalandira ndi wakuti kulipira ngongole yathu panthaŵi yake n’kofunika kwambiri. Ngati sitilipira pa nthawi yake, tikhoza kuyembekezera kuti tidzalipitsidwa ndipo mwina kutsitsa ngongole yathu, ndipo nthawi zina zingatanthauzenso kutaya nyumba yathu. Nthawi yachisomo imachepetsa izi mwanjira ina, kuwonetsetsa kuti zolipiritsa kapena zolakwika zangongole sizichitika nthawi yomweyo ngati simungathe kulipira munthawi yake.
Kodi ndi zolakwika kugwiritsa ntchito nthawi yanu yachisomo?
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.
