Momwe momwe chuma chikusinthira, momwemonso zosankha zomwe zimapezeka kwa anthu omwe akufuna ngongole ndi ngongole zanyumba zimayambanso.M'nthawi yazatsopano, ngongole zomwe sizinali zachikhalidwe komanso zobwereketsa zakhala ngati njira ina yosinthira ndalama wamba.Nkhaniyi ikufotokoza zovuta za mayankho azachuma omwe si achikhalidwe, akuwunikira mawonekedwe awo, mapindu, ndi malingaliro awo.

Kuwulula Ngongole Zopanda Zachikhalidwe & Ngongole Zanyumba

1. Kutanthauzira Zandalama Zosakhala Zachikhalidwe:

• Ngongole zosakhala zachikhalidwe komanso zobwereketsa zimayimira kuchoka kumitundu yobwereketsa yomwe imaperekedwa ndi mabanki achikhalidwe.
• Zimaphatikizapo zinthu zosiyanasiyana zandalama zomwe zimapangidwa kuti zithandizire anthu omwe ali ndi mbiri yapadera yazachuma kapena omwe akufuna njira zina zosinthira nyumba zanyumba.

2. Zofunika Kwambiri pa Zandalama Zosakhala Zachikhalidwe:

• Mulingo Wovomerezeka Wosinthika: Mosiyana ndi ngongole zachikale, ndalama zomwe si zachikhalidwe nthawi zambiri zimakhala ndi zofunikira zosinthika, zomwe zimathandizira obwereka omwe ali ndi ndalama zosiyanasiyana.
• Kapangidwe Katsopano: Zida zandalama izi zitha kukhala ndi zinthu zatsopano monga ngongole zachiwongola dzanja zokha, ma motgages osinthika (ARMs), kapena ngongole zokhala ndi mawu obwezera.
• Obwereketsa Mwapadera: Ngongole zomwe si zachikhalidwe nthawi zambiri zimaperekedwa ndi obwereketsa apadera, kuphatikiza obwereketsa pa intaneti, mabungwe angongole, ndi mabungwe obwereketsa wamba.

Kuwona Ubwino wa Ndalama Zopanda Chikhalidwe

1. Kuphatikizika ndi Kufikika:

• Ngongole zomwe si zachikhalidwe zimapereka mwayi wopeza ndalama kwa anthu omwe atha kukumana ndi zovuta zoyenerera kubwereketsa ngongole chifukwa cha ndalama zomwe amapeza kapena mbiri yangongole.

2. Mayankho Ogwirizana:

• Obwereketsa nthawi zambiri amatha kupeza mayankho ogwirizana ndi zosowa zawo zachuma komanso zolinga zawo, zomwe zimapangitsa kuti azitha kubwereka mwamakonda.

3. Njira Zovomerezeka Mwachangu:

• Obwereketsa omwe si achikhalidwe amatha kugwiritsa ntchito njira zowongolera, zomwe zimapangitsa kuti nthawi yovomerezeka ikhale yofulumira poyerekeza ndi nthawi yayitali yokhudzana ndi mabungwe azachuma.

4. Kapangidwe ka Ngongole Zosiyanasiyana:

• Obwereketsa atha kusankha kuchokera kumitundu yosiyanasiyana ya ngongole, kuphatikiza zolipirira chiwongola dzanja chokha, ma ARM osakanizidwa, kapena ngongole zokhala ndi njira zina zolembera.

5. Zatsopano Zamakono:

• Obwereketsa ambiri omwe si achikhalidwe amagwiritsa ntchito ukadaulo kuti apititse patsogolo kubwereketsa, kupereka mapulogalamu a pa intaneti, kuvomereza mwachangu, ndi njira zoyankhulirana zabwino.

Kuganizira Musanasankhe Ndalama Zopanda Chikhalidwe

1. Chiwongola dzanja ndi Migwirizano:

• Unikani chiwongola dzanja ndi mawu okhudzana ndi ngongole zomwe si zachikhalidwe.Ngakhale angapereke kusinthasintha, ndikofunikira kuwonetsetsa kuti mawuwo akugwirizana ndi zolinga zanu zachuma zanthawi yayitali.

2. Mvetsetsani Kapangidwe ka Kubweza:

• Mvetserani zovuta za njira zobweza, makamaka ngati mukusankha njira zatsopano monga ngongole zachiwongola dzanja chokha.Dziwani momwe malipiro amasinthira pakapita nthawi.

3. Kudalirika kwa Wobwereketsa:

• Fufuzani kudalirika kwa wobwereketsa yemwe si wachikhalidwe.Yang'anani ndemanga, maumboni, ndikuwonetsetsa kuti akutsatira machitidwe obwereketsa.

4. Kuthekera kwa Kusintha kwa Mtengo:

• Pandalama zomwe zingasinthidwe, mvetsetsani kuthekera kosintha mitengo m'tsogolomu.Khalani okonzekera kusintha kwa malipiro anu pamwezi.

5. Kutsata Malamulo:

• Tsimikizirani kuti wobwereketsa yemwe si wachikhalidwe akutsatira malamulo.Onetsetsani kuti ali ndi chilolezo ndikuloledwa kupereka chithandizo chandalama.

Mapeto

Ngongole zosakhala zachikhalidwe komanso zobwereketsa zimayimira kusintha kwamphamvu pankhani yazachuma, zomwe zimapereka mayankho anzeru kwa obwereketsa osiyanasiyana.Ngakhale kuti phindu la kuphatikizika, kupezeka, ndi mayankho ogwirizana ndi ofunikira, kulimbikira pakumvetsetsa mitengo ya chiwongola dzanja, njira zobweza, komanso kudalirika kwa wobwereketsa ndikofunikira.Polandira mwayi woperekedwa ndi ndalama zomwe si zachikhalidwe komanso kupanga zisankho zabwino, obwereketsa amatha kuyang'ana malo omwe akusintha molimba mtima, kupeza mayankho azachuma omwe amagwirizana ndi zosowa zawo ndi mikhalidwe yawo.