Magulu ngo ngapangika ngasambizika kwa masabata nga nkhondi ndi limoza (6). Gulu limakumana pa sabata kamodzi pa zuwa lo apangana wija.
Fundu zikuluzikulu pa ntchitu yakusunga ndi kubwerekana makopala
Vipangizu vakukhumbika pa ntchitu yakusunga ndi kubwerekana makopala
Gulu: ndi wanthu wowakoliyanaku ndi kuvwanana kuwa pamoza ndi kugwira ntchitu pamoza kufisya chakulinga chimoza, kweniso kulondo malangu ngamoza ndi kujalikisyaso komiti yakusankhika kulongozgeka ndi wenechu kutumikiya pa ntchitu zagulu.
Umampha wakusanilika pamwenga kuja pa gulu
Wapampandu – Vakwenere vaki |
Ntchitu zaki |
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Mlembi – Vakwenere vaki |
Ntchitu zaki |
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Msungichuma – Vakwenere vaki |
Ntchitu zaki |
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Wakuwelengera ndalama- Vakwenere vaki |
Ntchitu zaki |
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Ndondomeku ya ndalama za kukwasya ntchitu za kubuchiza pamwenga zamabuchibuchi
Gulu litenere kupanga ndondomeku izi kuti ndalama za kukwasya ntchitu ya kubuchiza zigwire ntchito yaki umampha:-
Gawu la membala (sheya) ndi ndalama imanavi yeniyo mamembala ngavwanana yo membala wangakwanisa kusunga pa msonkhanu umoza. Mamembala ngavwananaso mlingu wa magawu ngo membala wangakwanisa kusunga pa msonkhanu umoza nge magawu nga nkhondi. Onesesani kuti pangajanga mphambanu cha kopa kuti wo wendi ndalama zinandi wangato nge kuti gulu ndaku iwu wija. Ndalama yeyosi yo membala wapereka pa nyengu yakusunga itenere kulembeka mubuku.
Ngongoli íyeyosi itenere kutoleka pavifukwa vakukwana mwakukoliyaku ndi ndondomeku zagulu. Ngongoli ingajumphanga cha unandi kwa katatu ka masheya ngo munthu wenangu.
Wanthu wamanga nyumba ndikuwika magetsi ngakwende lumwi
Ndalama za pachanya (Chiwongoladzanja)Interest
Chiwongoladzanja ndi ndalama zenizo munthu watenere kupereka pachanya pa ndalama zenizo wato pa pa ngongoli. Chiwongoladzanaj chitenere kuwa pakatikati pa 10% ndi 20%. Ndalama izi tikongola ndi zidu cha mwaviyo asani tipinduwa nazu nkhwakukhumbika kuti wenechu ndalama nawu wapinduwiso.
Mubudiru (Fayini)
Mubudiru pamwenga Faini ndi ndalama yeniyo membala walipilisika asani waswa malangu nga gulu nge kuswera kuza ku misonkhanu, kuja kumisonkhanu kwambura chifukwa chakuvwika pamwenga kwambura kuziwisa gulu , ndi milandu inyaki. (ndalama zakulipira milandu).
Malangu nga gulu
{a} Zina la gulu ------------------------------------------------------------------------------------------------------
{b} Malu/Adiresi ------------------------------------------------------------------------------------------
{c}Zuwa lo gulu likwambiya ---------------------------------------------------------------------------
Chakulinga cha gulu: -------------------------------------------------------------------------------------------------
Umembala:
Ndondomeku yakuchitiya chisankhu cha komiti yakutumikiya ntchitu zagulu:
Membala wazomerezekengi kuma pachisankhu kalinga? -------------------------------------------------------
Chisankhu cha komiti ya gulu chichitikengi asani pajumpha nyengu uli? ----------------------------------------
Chisankhu chagulu chichitikengi asani wanthu wafika walinga? -------------------------------------------------
Chisankho chichitikengi pakulondo ndondomeku niyi? Pakuchita voti mwachibisi pamwenga pakukweza manja muchanya --------------------------------------------------------------------------------------------------------------
Kumbi ndi wanthu walinga wazamuphalizgana pa mpandu umoza? ------------------------------------------------
Kumbi ntchakuzomerezeka membara kujiwika ija pampandu pamwenga kuwikika mwakulongoleka waka ndi membala wanyaki kwambura kuchita chisankhu chagulu? ------------------------------------------------------
Kutuzapu mulongozi pa udindu nyengu yeche ndakwani:
Ziwani kuti membala weyosi wa gulu we ndi ufulu kupereka vifukwa zakutuziyapu mulongozi pa mpando ndipu asani mamembala wosi wakoliyanaku pakuchita voti, mwaviyo mulongozi yo watenere kuthula pansi udindu wo. Nyengu yeniyo gulu lichiti chisankhu cha mulongozi munyaki kusere mumalu mwayo wothula pasi udindu.
Vifukwa vakwenere kutuziyapu mlongozi pa mpandu nyengu yakusinthiya maudindu yechendakwani:
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Nkhumanu ya gulu:
Nkhumanu yakusonkha ndalama za masheya ichitikengi kalinga pasabata? Kweniso zuwa nili nyengu uli? ------------------------------------------------------------------------------------------------------------------
Gulu liperekengi ngongoli kalinga ku mamembara ngaki? ----------------------------------------------------
Kumbi mamembala nga gulu ngagawanengi ndalama zawu zosi asani pajumpha nyengu itali uli?
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Kutuwa kwa membala mugulu:
Kumbi membala yo watuwa mugulu pa vifukwa vakwenere kuti watuwa, gulu lichitepunji? Kweniso ndi vifukwa nivi vakuzomerezeka vakwenere kuti membala wachiti viyo?
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Vifukwa vakwenere kutuza pamwenga kusezya membala mugulu -------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Nyifwa ya membala
Asani membala wafwa wendi ngongole, gulu lizamuchitanji? ---------------------------------------------------
Asani membala wafwa walivi ngongole ndalama zaki wazamulonde ndiyani? --------------------------------------
Vibalu pamwenga vilangu
MULANDU (Vakuyeruziyapu) |
CHILANGU/CHIBALU |
Wakuswera ku musonkhanu wa gulu |
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Kutondeka kulondeza malangu nga gulu |
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Kunozgaso malangu nga gulu
Ma membela kuti yazomerezi malangu kunozyekaso yatenere kunozeka kalinga/nyengu uli?
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Ndiyani watenere kupereka mawanuwanu kuti malangu nganozyekiso?
Ntchitu zo gulu litenere kugwira pamwenga kuchita
Zakusunga
Mtengu wa sheya limoza ndi ndalama zilinga? --------------------------------------------------------------------------
Membala wazomerezeka kugula masheya unandi uli pamsonkhanu umoza?--------------------------------
Kumbi masheya ya membala asani yagulika yalembeki pani kweniso walembekengi ndiyani?.
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Kumbi gulu lazamuchitanji asani membara watondeka kusonkha sheya ndi imoza viyo pa masabata nganandi? -----------------------------------------------------------------------------------------------------------------------
Ngongoli
Kumbi yo watenere kuto ngongoli ndiyani? -----------------------------------------------------------------------------
Kuti munthu wato ngongoli gulu liwonengi fundu nizi zakwenere kumupasa?---------------------------------
Kumbi munthu asani wato ngongoli wawezi pati pajummpha nyengu itali uli? -----------------------------
Kumbi ndalama za pachanya (chiwongoladzanja) ziwengi unandi uli pa K100.00 yeyosi? ---------------------------------------
Asani munthu watondeka kuweza ngongoli munyengu yaki, gulu lichitenji nayu?
----------------------------------------------------------------------------------------------------------------------------------Asani membala watondeka kuweza kwa miyezi _______ gulu lichitenji nayu?
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Asani membala wagwentha/wathawa ndi ngongoli, gulu lizamuchitanji? --------------------------------------------
Ndalama za Thumba la Pade (Zachovyu/Chipepesu)
Membala weyosi wa gulu watenere kusonkha ndalama zakukwana K _______ pamsonkhanu wewosi wa gulu.
Kumbi ndalama za thumba la pade izi zamusungika nunkhu ndipu ndiyani wamusunganga?
Zumbuwanipu masuzgu ngo ngazamukhumba chovyu cha ndalama za thumba lapade ili?
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Chovyu chakupereka asani membala wa gulu wafwa ndi K ___________
Chovyu chakupereka asani munthulumi pamwenga munthikazi wa membala wa gulu wafwa ndi K __________
Chovyu chakupereka asani mwana wa membala wafwa ndi K ________________
Chovyu chakupereka asani mupapi wa membala wafwa ndi K ________________
Ngongoli ya thumba la pade ili, ilivi chiwongola dzanja, kumbi gulu lizamuchitanga uli kuweza kwaki?
Achibali wo atenere kulonde ndalama za membala asani wafwa.
Zina la membala |
Yo wazamulonde ndalama |
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Kuvomerezeka kwa malangu nga gulu
Ma membala ngatenere kusayiniya kuzomereza malangu:-
Zina |
Sayini |
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Wakusayina mumalo mwa chigawa
Fumu ya muzi |
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A gulupu |
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