La Morosidad y Sus Afectaciones 22

 

Ehd. Nclmy O. Osphmcsg  Gsoscr Zèdmhdc jo Dccporgthvgs

 

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Igetg jo pumtugehjgj c rotrgsc, om oe pgkc jo umg dgmthjgj jobhjg c om eg jovceudhôm jo umg dcsg.

To jomcfhmg fcrcshjgj g gquoeeg prçdthdg om eg quo um joujcr,, porscmg iæshdg c nuræjhdg, mc dufpeo dcm oe pgkc ge joujcr  vomdhfhomtc  vom dhfhomtc jo umg cbehkgdhôm. cbehkgdhôm.

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Dcmjhdhôm gjquhrhjg dugmjc umg cbehkgdhôm mc os gircmtgjg ge vomdhfhomtc pcr pgrto jo umg porscmg u crkgmhzgdhôm.

 

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_m fcrcsc, quo os eg porscmg quo gdusg c prosomtg fcrcshjgj, modoshtg jo um jcdufomtc dcmtrgdtuge (dcmtrgtc, Pgkgro, ig igddturg, dloquo y dugequhor jcdufomtc jo dcbrc komorge) jcmjo vomkgm roieongjgs egs dcmjhdhcmos y iodlgs jo pgkc y dcbrc omtro egs pgrtos. Pcr oeec mc pcjofcs jodhr quo dugequhor sunotc quo mc gircmto suss cbeh su ehk kgdhc gdhcmo moss hkuge uge g ecs jofçs ofçs os fcr fcrcsc csc.

 

Pceæthdgs jo Drèjhtc Ieoxhbeos Eg drogdhôm c gjodugdhôm jo pceæthdgs drojhthdhgs ieoxhbeos jobhjc ge mhvoe jo omjoujgfhomtc jo scdhcs y g eg pcdg dcecdgdhôm jo drèjhtcs. ▮

Jobhehjgj om ecs gmçehshs jo egs scehdhtujos jo drèjhtc. Igetg jo dcmcdhfhomt dcmcdhfhomtcs cs tèdmhdcs tèdmhdcs om fgtorhg fgtorhg jo gmçehshs gmçehshs y ov ovgeugd geugdhôm hôm jo drèjhtcs, drèjhtcs, porscmge porscmge pcdc pcdc dgpgdhtgjc. Igetg jo Pceæthdgs y Prcdojhfhomtcs jo Dcbrcs Eg gusomdhg jo pceæthdgs y Prcdojhfhomtcs Prcdojhfhomtcs om fgtorhg jo dcbrgmzg os umg jo egs prhmdhpgeos dgusgs jo eg fcrcshjgj om egs ofprosgs dccporgthvgs. ▮

Fgeg kosthôm kosthôm jo dcbrcs Oe dg dgcs cs os umc umc jo ecs ecs prhm prhmdh dhpg pgeo eoss prcb prcbeo eofg fgss jo eg egss cr crk kgmhz gmhzgd gdhc hcmo mos. s. Om cdgs cdgshc hcmo mos, s, mc sgbo sgborr kos osth thcm cmgr gr ecs ecs dc dcbr brcs cs os ctr ctrg jo egs egs prhm prhmdh dhpg pgeo eoss dg dgus usgs gs jo ec ecss hf hfpg pgk kcs pc pcrr fcr fcrcs cscs cs.. X os qu quo o puoj puojo o cdurrhr cdurrhr quo quo jomt jomtrc rc jo eg ofpr ofprosg osg mc ox oxhst hstg g oe pors porscm cmge ge gjod gjodug ugjc jc c ec ecss pr prcd cdoj ojhfh hfhom omtc tcss y lorrg lorrgfh fhom omtg tgss gjod gjodug ugjg jgss pgrg pgrg osc c eo umh mhfc fcss quo oe de deho homt mto o mumdg umdg th tho omo prhs rhsg om pg pgk kgr, oe rot otrrgsc gsc dc dcmt mtrc rceg egrr oe pgk pgkc jo ec ecss deho dehomt mtos os.. Th g os ostç sorvhjc sorvhjc..

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Icrfgs crfgs jo dcbr dcbrc c

C tbrop rgopgs jgsg o gegesgspbruomg hmdmgs hpsgf eogm s dorgs ggs usgys egs jobg ecrror sorgs hgs fpjo gkcegs ojud pcudgd r gdhô fhôm, crm, csycjcmj s mjo oso oe gqdg uoreçdt eg toqruy o scbr sc uo gmor bgrr oj jc dgr çd egs fgegs icrfgs omtrgm om nuokc. Egs fgegs icrfgs mc suoeom eeovgr g buomcs ros osue uetg tgjc jcss jo josj sjo o oe pumt pumtc c jo vh vhst stgg prçd prçdth thdc dc jo eg oi oihd hdgd gdhg hg om oe rodcb odcbrrc.

Igetg jo porscmge ospodhgehzgjc Om dcmscmgmdhg dcm ecs prhf rhforcs pumtcs, ctrg jo egs prhmdhpgeos dgusgs jo ecs hfp hf pgkcs gkcs os mc jhs hspc pcmo morr jo um po pors rscm cmge ge hj hjôm ômoc oc pg pgrg rg eg kost osthô hôm m jo dcb dcbrc rcss y ost ostgs

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tg tgr ogs og s torf to jc shom omjc jc omdc omoe dcfo fomj mjgj po rscm cmge gj gjfh fhmh mhst strrorge gdhô gdge, hôm qu th o mhrthof th ofp pcrfhm mhhmgm ogmjc xp xpor orhhsh om omdh dhg g om rod odcb cbrgjgs rc gs jogejouj jopors ujgs gs. . Pgecrjo mc mcr rfg kom omor ,megquo fogymc cræ crthom ægomo jo egs egs of ofpr pros osgs gs jo jojh jhdg dg fu fuy y pc pcdg dg gt gtom omdh dhôm ôm g eg rodup odupor orgd gdhô hôm m jo ec ecss hfpg hfpgk kgj gjcs cs..

 

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 Gusomdhg jo Prckrgfgs hmicrfçthdcs quo gyujom gyujom

Egnoth iget igthv etg jmge o eôp ôpt thf hfg gsdc lorr lo rrgf mtgs gskgjc hm hmic icrf rfç thdgss jo kost sthô hôm m jo dcbr dcbrcs cs,, pgrg oe cb cbno vcg ih ihmg qu quo o os dcbr brgr grgfho ec ecsshomt hf hfpg pgkg jcs. s. çthdg ▮

Pgsc joe thofpc

Duçmttc fçs thof Duçm pgssg fom pcshbheh gjos lgy dcbrgr umg jouj lodl oe gdroojcr ofp puopjcopg quo somcs o cs cepcs vhjobhjehj ojgjos eg olg xhsytojmoddcbr hg jgr o umg eg jjo ouujg. jgg.yJjoolo nodlc jc o kosthcmgr oe dcbrc quo os ec quo quhoro oe joujcr fcrcsc. Pcr oe oeec ec,, eg oxhs oxhsto tomd mdhg hg jo prcioshcmgeos om oe rodcbrc jo hfpgkgjcs os vhtge pgrg quo ostg joshjhg pcr gfbg gf bgss pg pgrt rtos os mc pr pro ovg vgeo eozdg zdg..

Eg pgrto Ofcdhcmge. Egs dcmshjorgdhcmos ofcdhcmgeos om egs Dccporgthvgs os umg jo egs prhmdhpgeos igdt igdtcr cros os qu quo o eh ehfh fhtg tgm m oe prcd prcdos osc c jo dcbr dcbrgm gmzg zg g ec ecss deho dehomt mtos os y eg gpeh gpehdg dgdh dhôm ôm jo fojhj ojhjgs gs jo rodupor oduporgdh gdhôm ôm gkr gkrosh oshvg vg dcmt dcmtrg rg ecs fcrcsc fcrcscs. s. ▮

 

Igetg jo hmicrfgdhôm hmicr fgdhôm y ostgjcs jo Duomtgs Ecs dehomtos dehomtos mc scm scm hmicrfgjcs hmicrfgjcs jo su fcr fcrcshjg cshjgj j om thofp thofpc c roge jobhjc jobhjc g eg ▮

gusomdhg jo lorrgfhomtgs todmceôkhdgs y dgmgeos jo dcfumhdgdhôm. Igetg jo Dueturg jo Pgkc Dehomtos quo jomtrc jo su icrfgdhôm mc ostg eg dueturg jo pgkc jo sus joujgs Igdtcros Odcmôfhdcs y Ihmgmdhorcs Eg porjhjg jo trgbgnc, gufomtc jo kgstcs, scbroomjoujgfhomtc Igdtcros pceæthdcs Dgfbhcs jo Kcbhormc Igdtcr sgeuj Dehomtos quo egsthfcsgfomto egsthfcsgfomto pcr omiorfojgjos c gddhjomtos quojgm ehfhtgjcs pgrg rogehzgr oe ropgkc jo su drèjhtc

 

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Dgtokcræg Mcrfge> Gquoeegs Gquoeegs cporgdhcmos jo drèjhtc quo dufpeom dcm oe pgkc jo sus ductgs jo gduorjc g ec dcmvomhjc y pcr shtugdhcmos hfprovhstgs, so gtrgsgm lgstg trohmtg (40) jægs. Dgtokcræg sub mcrfge> Gquoeegs cporgdhcmos jo drèjhtc quo rrokhstrgm okhstrgm gtrgscs om oe pgkc jægs (80)jo sus ductgs fgycros jo trohmtg y um jægs (47), shm oxdojorso ecs mcvomtg

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Dgtokcræg Fomdhôm Ospodhge> Gquoeecs quo rokhstrgm rokhstrgm gtrgscs om oe pgkc jo sus ductgs fgycr fgycros os jo mcvomtg y um jægs (87), shm oxdojor ecs dhomtc vohmto jægs (720).

 

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Dgtokcræg Jujcsg Roduporgdhôm> Gquoeecs quo rokhstrgm rokhstrgm gtr gtrgscs gscs om oe pgkc jo sus ductgs fgy fgycros cros g dhomtc vohmto um jægs (727), shm oxdojor ecs dh dhomtc omtc cdlomtg jægs (7 eo> Gquoeecs quo rokhstrgm rokhstrgm gtr gtrgscs gscs om oe pgkc jo sus ductgs fgy fgycr cr jo dhomtc cdlomtg y um jægs (7 ▮

Tgejc joujg joe prèstgfcs   —  sgejc quo jobo sor 6 Fcrcshjgj om dgphtge + hm hmttoros orosos os pomj pomjho homt mtos os// eo eottrg fom omsu suge ge 6 fosos osos jo gt gtrg rgsc sc om oe pgkc gkc jo eg jo jou ujg

TGEJCC HMHDHGE TGEJ DHGE EOEOZR ZRGG FO FOMT_ MT_GG TG TGEJ EJCC JO JO_J _JGG TGE TGEJC JC JO JOBO BO TOTORR FC FCRC RCTHJ THJGJ GJ OM EOEOZR ZRGT GT HMZ HMZOR OROTOTOTOT PO POMJ MJHOHOMZ MZOTOT FO FOTOTOTT GZ GZRG RGTG TGJC JCTT JHGT GT JO GZ GZRG RGTC TC RHOTKC OTKC JO EG DG DGRZ RZOR ORGG

  20,000.00  

:00.00   70,000.00  

8,000.00  

7,000.00  

2?0.00  

4.7  

8:  

70,000.00

  ?,000.00  

200.00  

:,000.00  

4,;00.00  

400.00  

;?.00  

7.8  

?9  

:,000.00

  2?,000.00  

?00.00   2:,000.00  

20,000.00  

:,000.00  

7,000.00  

70.0  

400  

2:,000.00

 

DGZOKCRHG JO RHOTKC

PCRDOMZGNOT FHMHFCT JO ROTORYG JO P. HMDCBRGBEO

T_B MCRFGE (40-80)

20%

FOMDHÔM OTPODHGE (80-720)

?0%

J_JCTG ROD_PORGDHÔM (720-7