Ngamanye amaxesha kukho iimeko xa umntu wenza-mboleko evela kwiziko zemali, kwaye kukho iingxaki kunye kwemali yayo. Kulo mzekelo, nanku umbuzo, kuya kwenzeka ntoni ukuba ngaba ukuhlawula imali-mboleko ebhankini.
Ngokutsho manani, abaxhasi abaninzi baye bagqiba ukuba ukuhlawula imali-mboleko ukuba ahlale abemi zesinyibilikisi. Ababoleki-hamba nje iimbopheleleko zabo. Kwaye loo nto, kukho izizathu ezininzi. Abanye abantu nje andifuni ukunika imali yabo, lo gama abanye bakholelwa ukuba umbolekisi kufuna izinga eliphezulu lenzala, njl
Kodwa khumbula, yena ukuba umntu "ejingayo" credit kufuneka ndokuhlawula. Nangona akoyiki nobunzima neengozi, siya kuqhubeka ngoyaba nombolekisi ufumanise ukuba kwenzeka ntoni ukuba ngaba uhlawule imali-mboleko ebhankini.
Kuyo nayiphi na isakhiwo ngetyala kukho ingcamango "ipesenti endingayi kubuya ngawo." Leyo umbolekisi ubeka umlinganiselo esisigxina esizigubungeleyo zonke iindleko nokuhlawulwa-mboleko ukuba umboleki kufuneka kubuyekeza. Ungeno Ubuncinane isalathisi yi-3% ye-mboleko.
Kunjalo ke kulungile ukuba ukuhlawula imali-mboleko, njengoko umbolekisi akafuni ukuba kunyuka uthile kanye ukuba imali yakho. Lo mbutho uya kuthatha onke amanyathelo ngentlawulelo, ngoko ke mboleki uya kukuqondisa ke okuya kubahlela ukuba awufuni ukuhlawula imali-mboleko ebhankini. Okokuqala, umsebenzi kwiziko lemali uya kwenza inceba ubize udliwano-ndlebe. Ngelo xesha liya kubhengeza imali yetyala, kwaye ufumanise ngezizathu ezingezizo intlawulo. Kule ngxoxo, i mboleki nga balive ibinzana aqhelekileyo: "Ndikhumbula malunga mboleko yam, kodwa ngoku andikwazi akuhlawuli ndlu, ngenxa yokuba akukho mali ukuhlawula imali-mboleko." Kufuneka wenze ntoni kule meko, ukuze ndingonakalisi ityala enkundleni? Uyakwazi uyavuma ukuba kwiiveki ezimbalwa imali uya kubuyekezwa, kodwa akukho mfuneko yokuba babe baziingwanyalala uze ucele iinyanga ukubuyisela ityala. Ezinye kubaboleki ngenxa amadinga ukuze ukhethe ukwenza intlawulo ixesha elide. Noko ke, icebo onjalo engathembisi ukuba kubanjelwa kwibhanki elikhulu, kwaye kufuneka ukuba ahlawule ngexesha.
Kwenzeka ntoni xa ndingasihlawuli imali-mboleko ebhankini, waza emva kwexesha ethenjisiweyo?
Kulo mzekelo, iibhanki kuphinda abuthengise obo iinkampani yokuqokelelwa kwamatyala ukuba wayibhula kakade banetyala kubo. Injongo yabo - ukufumana imali emva naziphi na iindleko, ngoko baya kubeka uxinzelelo phezu agent nayiphi na indlela esemthethweni. Yonke imihla, abasebenzi abayi kuphela kubiza kwi cell phone yakhe, kodwa ukuza ekhaya kufunwe imbuyekezo kwamatyala. Akukho mfuneko ukuzimela, njengoko abaqokeleli ingaqala obiza abo ubathandayo yaye lufaka engozini. Bayakwazi sabangcangcazelisa, esithi ukuba anithanga ukuhlawula imali-mboleko, uye entolongweni ixesha elide. Abaqokeleli ziya kwenza yonke into ukuze ningabi ulale ngoxolo. Baya kucanda ityala enkundleni, kwaye uya uye bailiffs. Unakho, Kakade ke, hide musa ukuvula ucango, kodwa inyaniso kwicala labo, kwaye yoniwa nje imiqathango yesivumelwano kwaye kufuneka ohlwaywe.
iminyaka kunokwenzeka emithathu yokuzimela kwaye silindele ukugqiba ngokommiselo iintsilelo, kodwa ukufumana imali-mboleko awusoze kuphumelela.