Munthu wamakono ayenera kukhala mu nyimbo mwachangu kwa moyo wamakono. Tikayenera kuchita chilichonse, nthawi zambiri kumakhala kofunikira kugwiritsa ntchito ngongole zachangu, pomwe pasipoti imodzi yokha ndi yokwanira.
Mabanki akangolowa kumene adayamba kuyika ngongole, kuganizira za ntchito (ngakhale zitakhala kuti zidafana) zachuma zikugwira ntchito kwa nthawi yayitali bwanji - mpaka masiku 10. Kugwiritsa ntchito, ndinayenera kusonkha malembedwe ambiri a zochitika zosiyanasiyana, pezani guarantir, kupereka katundu wanyumba. Popita nthawi, mabanki akhala ochulukirapo, mpikisano wachulukana, ndipo malingaliro atsopano ayamba kuonekera, omwe amaganizira zofunikira za obwereketsa, kuphatikiza omwe akufunika kubwereketsa ndalama zobwereketsa.
Masiku ano kuli ngongole zambiri m'mabungwe a banki omwe, ngakhale ali pachiwopsezo chachikulu, ali okonzeka kubwereketsa nzika popanda kupereka ziphaso za ndalama ndi mapepala ena. Wobwereketsa, yemwe adasankha pulogalamu yotereyi, kutenga pasipoti yokha. Palinso mafunso omwe ali pachibwenzi, omwe, chifukwa cha mayankho adalandira, adzaza mafunso oyenera, ndipo lembani malingaliro ake.
Kugwiritsa ntchito ntchito zoterezi sikunachitikepo, ndipo chigamulo pa kubwereka chimapangidwa ndi pulogalamu yapadera - dongosolo la kuperekera. Pasadakhale kale mu pulogalamuyi, zinthu zomwe zimapezeka bwino zimaperekedwa komanso pomwe kasitomala amapatsidwa mphamvu, ndipo palibe kupatuka kuchokera ku mawu awa kumaloledwa.
Pambuyo pakuwoneka kwake pa likecred.su ndi zinthu zinanso zofananira, ngongole zofulumira zomwe zimangopangidwa pokhapokha pasipoti nthawi yomweyo zidatchuka. Pali zifukwa zingapo za izi. Ena obwereketsa m'mapulogalamuwa amayamikira kwambiri kuphweka kopanga mgwirizano, zina ngati kuthamanga kwake, mwayi wobwereketsa ndalama munthawi yochepa kwambiri. Njira iyi ndi yabwino kwa anthu omwe amalandira malipiro osaloledwa kapena malipiro ovomerezeka amawonetsa zochepa kuposa zomwe munthu amalandira.
Chofunika kwambiri komanso chofunikira kwambiri cha ngongole pa pasipoti ndi chochuluka. Mabungwe a Banking akupaka, kusaina mapangano, ndi zoopsa zawo kuti ndizachikhalidwe kuti zitheke ndi chiwongola dzanja chachikulu. Ndikofunikanso kuti ngongole zomwe abwerere zimatanthawuza kufalitsa ndalama zochepa, nthawi zambiri osapitilira 30,000. Ngongole mwachangu ndi pakati pa nthawi yochepa, ndikuwabwezeretsa kwa iwo chaka chatha, ndipo nthawi zina pamakhala mawu ochepa, kutengera mgwirizano ndi wobwereketsa ndi wobwereketsa.