Imigaqo ezisisiseko uboleka Bank of bantu

Ngakumbi zithandwa ngakumbi phakathi kwabemi aqalile ukusebenzisa mboleko iimfuno ezahlukeneyo. Kulo mzekelo, emva kokuba kufunyenwe imvume angenele bakhe ebhankini, bambalwa abantu bacinga, njani ngokubanzi kwenziwa inkqubo liboleke abanye, yaye ziziphi ziziqinisekiso kunye nezibonelelo has a yebhanki. Kodwa le ezinxulumene ngqo imiqathango ukuhlawula imali-mboleko.

Ukuba esiyibiza-siseko engundoqo liboleke abanye, oko - ukungxamiseka lokuhlawula, serviceability.

Eyona ibalulekileyo kwezi na intlawulo, oko kukuthi, abuyele ogwetyelweyo ityala lakhe. Amaninzi, isivumelwano emiselwe kwangaphambili inshorensi zomngcipheko ngetyala. Eyona oluthembekileyo oluvela lo mbono, mboleko leyo mxhamli injongo ethile (ukuthengwa zokuhlala, iimoto, njalo njalo. D.), Ekubeni kwiimeko ezinjalo kwento ethengiwe iya bathembisa entlanganweni logama nje akuhlawulwa ngayo ityala.

Angalulama kakuhle kulandela lo mgaqo ulandelayo - ziphila. Ebonisa ukuba mboleko kufuneka ibe seyibuyisiwe kwixesha ngexesha kuchaziwe ngqo, nto leyo ukhankanyiwe kwangaphambili. Isivumelwano sentengo yenzelwe ucwangciso apho umthengi kuya kufuneka ukuba uhlawule izavenge zenyanga kuquka inzala. Kwezinye iimeko, iibhanki ukunika ithuba intlawulo yokuqala mboleko. Noko ke, kule mvumelwano kufuneka zicaciswe kwangaphambili oko kuya kwenzeka njani, kuba maxa wambi ababolekisi lokubiza imali eyongezelelweyo kule nkqubo.

kwintlawulo mgaqo, ukuba bathethe kakhulu nje, ithetha intlawulo inzala kwimali-mboleko. Le imeko siphambili ukusamkela mboleko, ekubeni ngoko iziko zemali ufumana ingeniso yayo engundoqo.

Neminye imigaqo ezibolekisa - kukho umahluko zemboleko, ukhuseleko kunye yayo injongo yokuqhelaniswa nezifundo.

Umgaqo kwentlobo mboleko ibonelela ngendlela ngamnye kubathengi, kuxhomekeke kubuchule babo ukuba ahlawule. kubalondolozi ngokuqhelekileyo uwahlule kubaboleki ibe ngamaqela amabini: kuqala, iklasi kunye kuyathandabuzeka. Ngaphezu koko, ngalinye kula maqela liza kwahlulwa ngokwamaqela eziliqela, kuxhomekeka rating ngetyala, eliquka ukuhlawula abathengi. imigaqo abolekisa olubalulekileyo kubaboleki ubuncinane ukuba imizi egcina imali, njengoko sengqondo onyanisekileyo, kunye nokunikezelwa nozilo mali kuxhomeke kwimbali ngetyala yangaphambili.

ukhuseleko-mboleko akusoloko, kodwa ke kwiimeko ezininzi. Kubonisa ingqiqo enika-mboleko phantsi kwawo nawuphi na ummiselo. Oku kunokuba isibambiso impahla ezifunyenwe kunye kwabamela into, nto leyo kwimeko engagqibekanga yi onetyala imali kuya kufuneka ukuba uhlawule ityala ngokwabo. Ezinye iibhanki zinika abathengi ukuba akhuphe ipolisi ye-inshorensi ekhusela mboleko evela non-mali, yaye kamva uvumela ubuncinane ngokuyinxenye abuyekeze otyalwayo ngelahleko. Ezi kunye nezinye nemigaqo yeziko logcino yokubolekisa zinika ingeniso ethe chu ukusuka umsebenzi kule ndawo.

Ukujolisa imali kubalulekile ukuba zombini kwabalelwa kunye kwiziko zemali. It luchaphazela umyinge wenzala, ekhutshwe yi-mali kunye nexesha esisetyenziswe ngayo imali. Umzekelo,-mboleko okanye imoto mboleko badla kukhutshwa ixesha elide yaye isixa esikhulu, xa kuthelekiswa ne-non-ekujoliswe mboleko yabathengi. Oku kuchazwe yi ithuba izibambiso, nto leyo eyandisa amathuba ebhankini ukubuyela ityala lakho.

Kubalulekile ukuphawula ukuba izikhokelo uboleka ezahlukileyo imithetho enika mboleko, kodwa la magama mabini zihlobene. Kufuneka uthathe ingqalelo umgaqo inkqubo yophuhliso ngemali, leyo evumela ukuwusa kwaye nokuphuhlisa mboleko nemali, ezahlukeneyo inzala okanye iyenza olunyanisekileyo ngakumbi kwezinye iimeko.

Ngaloo ndlela, imigaqo ezibolekisa yebhanki zithathelwa ingqalelo xa umxhasi kwiziko-mboleko, njengoko sibonisa phantse zonke kakuhle eli mboleko.