Ingaba unako ukubhala ityala credit esemthethweni?

Ngelishwa, abaninzi kuthi xa usenza isicelo semali-mboleko kwi-mali ngokwanelisayo endilisekileyo akakwazi kakuhle bahlole izakhono zabo zemali. badla silibale ukuba nkqu usuku olunye kulibaziseka kungabangela lenkohlakalo kunye nenzala emiselweyo. Ngokutsho manani ezikhoyo, isibini-yenani lilonke kubaboleki engahlawulwanga. Ngoko ke ayothusi into yokuba uninzi lwabo banomdla, ngaba kunokwenzeka ukuba babhale ngokusemthethweni amatyala bank.

Ngaba sohlwayo ukuhlawula-mboleko?

Ukuba obolekayo kwithuba elide akuthethi ukwenza iintlawulo ezifunekayo ngenyanga, abameli ibhanki kaThixo ukuya amanyathelo kakhulu. Into kuphela ukuba ungenza ntoni kwimeko enjalo, ukuba isungule kokuqala kwetyala. Emva kokuba inkundla iya kulawula phezu yokuqokelelwa kwamatyala, isigqibo ehambelana ziza kubekwa ezandleni bailiffs. Ukususela ngoku, iya ungababandezeli obolekayo ukungakhathali. Kodwa ngethamsanqa, amagunya awo abanzi kakhulu. Phantsi komthetho ngoku, i bailiffs banelungelo:

• ngokusebenzisa kwiofisi yerhafu ukufumana phandle i indawo esemthethweni yengqesho umboleki qho ngenyanga uze ubale nesiqingatha umvuzo wakhe;
• ukuba bambambe akhawunti onetyala, ukuba ikhona, kwaye ukusukela ukuba babhale ngaphandle isixa setyala;
• ukumbamba ekhutshwe kwi imoto yomboleki.

Phantsi komthetho, amagosa amapolisa abanalo ilungelo lokuba athathe yokuhlala, nto leyo yokuhlala kuphela. Ukuba umboleki na abaqeshwe ngokusesikweni naphi kwaye akukho akhawunti zebhanki kunye nezinto ezixabisekileyo, into ekuphela ezinokuthatha ezi bailiffs, ukusondela ukuba zindwendwele phesheya. ipolisa, uyohlwaywa ngabo amandla kwakhona, ithumela ukuya kuxwebhu ebhankini engqina le nyaniso. Kulo meko, ibhanki kufuneka bavumelane kokucinywa ngokusemthethweni mboleko. Kodwa musa ukucinga ukuba lo mkhuba. Ngokuqhelekileyo, oku kwenzeka kwiimeko kakhulu ezinqabileyo.

Eyona esengqiqweni oonobangela diski nkqubo

Njengomgaqo, iibhanka madolw 'anzima kakhulu ukubhala off mboleko ezingaqhubi kakuhle esemthethweni. Ukuze uqalise le nkqubo, kufuneka sibe ityala kakhulu. Iibhanki uyavuma ezimbi ngokwabo linyathelo kuphela kwiimeko apho:

• Le mali kwakhutshwa ngokusekelwe amaxwebhu zomgunyathi. Kwiimeko ezinjalo, kwimeko ubuqhophololo ukuqala ukujongana oogunyaziwe bezomthetho.
• Iziko zemali uye inani elikhulu-mboleko ezimbi kunye nabasebenzi esekhefini ngummiselo ukulinganiselwa.
• Ibhanki walahlekelwa enkundleni, nto leyo yayalela ukuba aphumeze yokurhoxiswa zomthetho ematyaleni mboleko.

Ezinye izizathu eqhelekileyo ekuqaleni kwale nkqubo ukufa okanye yokuduka umboleki. Ukuba umfi washiya ilifa okunokuthi zahlulwe phakathi kwemizalwane yakhe, akukho namnye uya uhlawule ityala lakhe, kwaye ibhanki kuya kufuneka ukuba uqale yokurhoxiswa netyala esemthethweni. Kukwanjalo uya kuba ababoleka imali ezilahlekileyo. Ukuba ngaphakathi ixesha elithile yomthetho arhente zokunyanzeliswa nto singayi kumfumana thina, ukuba zikhutshwa uxwebhu ebhankini engqina umkakhe.

Amazwi ambalwa ukulinganiselwa

umthetho Domestic unika into enjalo ezingummiselo ukulinganiselwa. Oko kukuthi, kuba ivumela kubaboleki ngokuxhomekeka ukurhoxiswa netyala esemthethweni. Ngoko, ixesha apho iziko zemali unelungelo umyalelo wenkundla ukuqokelela amatyala ukusuka kubaboleki abanganyanisekanga, yiminyaka emithathu. Noko ke, kule nkqubo yokumisela eli xesha kufuneka ithathele ingqalelo inani kujonge izinto ezibalulekileyo.

Okokuqala kufuneka aqonde ukuba ingongoma reference na umhla wentlawulo yokugqibela. Ukongeza, abameli yeBhanki aqalile ukusebenza kunye kubaboleki wakhathazeka ekupheleni kweentsuku eziyi-30 emva kokuba ulibaziseko. Kwiinyanga ezintathu kamva, le nkqubo inxibelelanisa isebe ngokusemthethweni. Ukuba emva kweentsuku ezingama-90, onetyala wenze intlawulo efunekayo, ibhanki iya angenise enkundleni. Ngenxa yoko, kukho zero reference ngongoma. Ukususela ngalo mzuzu iqala mda count entsha.

Yintoni olwandulela bhala-off?

Ezinye kubaboleki ngephutha bakholelwa ukuba osemthethweni ityala credit bhala-off - yinto inkqubo elula. Xa kusenziwa oku, landulelwa inani amanyathelo ezithile. Musa ukulibala ukuba ibhanka uqale ukuqokelela, ukusebenzisa iinkonzo kumasebe ezizodwa, ngokukodwa ukusebenza kunye nempahla ziinkathazo. Ukongeza, unelungelo lokuba lokuyigxotha le zokulinganisa zemali ukuthengisa ofisi yayo yokuqokelelwa kwamatyala.

Kufuneka wenze ntoni xa ibhanki wathengisa abaqokeleli ematyaleni?

Ngaphambi kokuvuma uncollectible, iziko ngemali uthabathe enye, eli xesha lilinge lokugqibela ubuncinane ukufumana into kule mali-mboleko engahlawulwanga. Kutshanje, kukho iseti ofisi umqokeleli zikaThixo, nto leyo ingoma yokuthenga impahla buhlungu. Kusenokwenzeka ukuba ibhanki iya isigqibo ukuthengisa mboleko yakho yenye inkampani enjalo. Ngoko ke, lo onetyala kufuneka zilungele intlanganiso entsha kunye nabaqokeleli. Njengoko umthetho, lilinge lokugqibela ukuthethana indlela ngoxolo, ngaphandle ukuzinyanzela kakhulu kwi mboleki. Ukuze banikele ngokutsha kwi ngokwemigaqo ngokwanelisayo evumayo okanye usixolele ezinye ityala. Kodwa ukuba umboleki kulo mzekelo asikwazi kuchaphazeleka yi-mabango, ngoko kukho lokugqibela ngokusemthethweni ubhale ityala ngetyala.

isiphelo

Ukwenza imali-mboleko, kufuneka kuhlolwe kakuhle izakhono zabo. Ngaphambi sesihloko ebhankini, kufuneka nihlolisise ngenyameko imeko kwaye ngokwenene ucinge ngendlela imali eninzi akayi kubuya kuwe luxanduva engenakwenzeka. Abo usaqhubeka baxakekile, sinako sincoma ukuba bafune uncedo igqwetha abaqeqeshiweyo abaya kukuxelela kule meko. Ngethemba lokuba ityala bhala-off, asingekhe silibale ngemiphumo kunokwenzeka. Njengomgaqo, kubaboleki abanganyanisekanga makabhalwe kuluhlu ekuthiwa-emnyama, kangangokuba izibuko imbali yekhredithi yakhe nje kuphela, kodwa igama.