Kwenzeka ntoni xa ndingasihlawuli-mboleko?

inkqubo credit ngoku kakuhle ngokwaneleyo yaye idumile phakathi kwabantu naphakathi nemibutho. Developed ziingcali yeebhanki schemes mboleko-mali ukuquka phantse yonke imiba ezivelayo kule emarikeni. Okwangoku ke wanikela ezininzi ezahlukeneyo lweenkqubo: nkonzo, sokubambisa, imfundo kunye nabanye abaninzi.

Kodwa kwenzeka ntoni, ukuba anithanga uhlawule imali naphule isivumelwano kunye ebhankini? Ziziphi izenzo ebhankini, yaye kuya kwenzeka kungekudala njani oku? Nokuba oku kuya kukhokelela ekubeni kokupheliswa kwesivumelwano okanye ilahleko izibambiso? Yintoni imiphumo eyona kuba, ukuba ixesha na ukuhlawula imirhumo yenyanga? Siza kuzama ukuqwalasela iinketho kuphuhliso kwiimeko ezinjalo.

Izakungagqibeki kwi mboleko, ngelishwa, yinto eqhelekileyo. Bona kwenzeka ngenxa yezizathu ezahlukeneyo: umboleki iphelile imali, okanye nje balibala ukutshintshela isixa esifunekayo ebhankini. Mawube ukuba kwenziwe ukhutshelo lesiphoso imali ngempazamo, okanye ubolekayo ngabom bagqiba ekubeni ndaphule isivumelwano kunye ebhankini. Ityala ngalinye kuqwalaselwa ngokwemiqathango yesivumelwano mbanjwa kunye elunxwemeni. ngokucacileyo Kukho into icaciswe gca ukuba yintoni eyayiza kwenzeka ukuba ngaba uhlawule imali mboleko. kokuba kuthathwe amanyathelo elunxwemeni ngokunxulumene non-abangahlawuliyo, kananjalo lithathwe imvumelwano bagqiba.

Ibhanki uyazi kakuhle ukuba kuza kwenzeka ntoni xa ndingasihlawuli-mboleko, kwaye ngokuqhelekileyo kuwonke siqinisekiso yembuyiselo. Kwiimeko ezininzi, oko kufuna idipozithi, evulekileyo ebhankini efanayo. Okanye isiqinisekiso inokuba impahla enokususwa okanye engenakususwa le mboleki. Kuba imibutho ukufumana izixhobo ngokusebenzisa isiqinisekiso yebhanki kwemali-mboleko isenokuba buciko ngokwayo. Kukho izivumelwano ukuba zakhiwe ngendlela yokuba xa ukusilela ukuhlawula imali, ibhanki wabeka phambili ibango kwi co-kubaboleki okanye guarantors kwi-mboleko.

Kubonakala, unako ukubuyela imali, kodwa endaweni ulahlekelwe nayiphi na ipropati - kodwa kuphela kwendlela eqinisekileyo ngokusemthethweni ukuhlawula imali-mboleko.

Kodwa ukuba ufumana ubunzima zemali zethutyana, ngoko kukho ithuba wokwenene ukufumana deferment lwentlawulo. Umzekelo, ungenza enze isicelo esibhaliweyo kulawulo ebhankini kunye nesicelo ukutshintsha imiqathango lokuhlawula imali-mboleko, ebonisa izizathu apho akayi zingahlawulwa ngexesha. Esi sigqibo siya kuxhomekeka nkqubo ibhanki leyo awayezenza ngokunxulumene non-abangahlawuliyo.

Ukuba ngenene azinazo ukukwazi ukuhlawula imali-mboleko noba elizayo esikude, kwaye ke kufuneka wenze ngokuvumelana nomthetho. Ukuba isixa ityala sidlula ixabiso elipheleleyo ngummeli wowona ulungileyo, ibhanki iya ukumangalela ukuba umonakalo kwaye izakuzama kulibazisa inkqubo kangangoko kunokwenzeka elide ukukhetha up umdla kangangoko. Kodwa elide kakhulu ingqwalasela ibango ayifakwanga kwizicwangciso-Bank, ngenxa yokuba emva kweminyaka emithathu, onke amabango ngokwasezimalini ukuba ayeke.

Zama ukwenza zinyanga ngeqondo elivumelana ingeniso yakho - zentendelezo nebalulekileyo ibhanki yeyona yokuba andali ukuhlawula, kodwa akakwazi. Ngoku ke inkundla isigqibo oko kuya kwenzeka ukuba ngaba uhlawule imali mboleko.

Ndikhaphe zeembalelwano ezisemthethweni, xa kukho imfuneko ukuze uxoxe isikhalazo. Ziba nabaqokeleli, kakhulu ukuba bangakwazi - loo nto ntoni emnxebeni, apho nje banoku cinywa kuwe. Ukuba musa bephume kwipropati yakho, uze ukukusa nto, qhubeka silinde nje ukuba isigqibo senkundla.