Mboleko

Imboleko ehlanganisiweyo ayikho into ekhethekileyo yokubolekisa, ebonakalayo ngokholo oluqhelekileyo olunikezelwa kubbolekayo kungekhona enye kuphela kodwa iibhanki ezininzi. Kuthetha ukuba iimali zale bhanki zihlanganisiwe.

Imboleko ehlanganisiweyo ayibonakali njengendlela eyahlukileyo yokuboleka. Enyanisweni, yinto enye yeendlela ezininzi ezifanelekileyo ezibolekayo nababoleki.

Imboleko ehlanganisiweyo, iifom zayo

Into ebalulekileyo yale mboleko kukuba ikhutshwe ngexabiso elikhulu kakhulu. Kwezinye iimeko, inani lemali-mboleko linokufikelela kwizigidi ezimashumi amabini zamaRandi ase-US. Kungenxa yesi sizathu sokuba amabutho kuphela omthetho anelungelo lokufumana. Abboleki banokubamba, iinkampani, amabhizinisi amakhulu, izakhiwo zemali ezahlukahlukeneyo. Ngokuqhelekileyo abolekayo benza njengeebhanki. Kukho iimeko xa zisetyenziswe nguRhulumente.

Imboleko ehlanganisiweyo ineefom ezininzi. Nazi iziganeko eziphambili kwaye ziyaziwayo:

- isabelo. Ubunqwenelekayo kukuba ikhutshwe kanye neebhanki eziliqela ezibandakanya izivumelwano zemboleko. Kule meko, bangathengisa inxaxheba yabo kwintengiso;

- Iqela. IiNgxowa zibonelelwa ngokupheleleyo ngecandelo lolawulo lweebhanki.

Imali-mboleko ehlanganisiweyo ininzi ngokukhethekileyo. Iinjongo zazo eziphambili zilandelayo:

- xa ifunyenwe, ishedyuli ethile isetyenziswe. Le shedyuli kufuneka ibe, okokuqala, ekulungele ukuboleka. Kukho iintlawulo ezongezelelweyo ziya kwenziwa;

- umntu obolekayo angafumana imali mboleko yemali-mali. Kwakhona kufanelekile ukuba uqaphele ukuba imali nayiphi na ixesha ingatshintshwa;

- zonke iibhanki ezithatha inxaxheba ekubolekiseni ziimeko ezifanayo. Oku kuthetha ukuba iindleko zetyala zingancitshiswa kakhulu;

- iqela elikhethekileyo lenqwelwana lenziwe. Yenza ipakethe yamaxwebhu, ichaza zonke iimfuno zeentengo zemboleko, inquma izingozi ezikhoyo. Konke oku kuphelisa imigaqo yokufumana mboleko. Isiphaluka sokwamkelwa ngokwaso senziwe lula;

- Njengoko kukhankanywe ngasentla, ubukhulu bemboleko yemvumelwano bukhulu kakhulu. Isixa esikhutshwayo asikwazi ukukhutshwa yibhanki enye. Kwezinye iimeko, amashishini amakhulu angathabatha imali efunekayo ekuphuhliseni phambili kunye nokuhlelwa kweebhanki ezimbalwa ngexesha elilodwa.

Kakade ke, iibhanki ezikhethekileyo zibandakanyeka ekukhutshelweni kwemali-mboleko. Ziyinto yeqela elihlelweyo elenza imisebenzi eyahlukeneyo. Sithetha malunga nemisebenzi ephambili, yentlangano, yokuphatha. Intlawulo zenziwa ngebhanki yokulawula.

Zonke iibhanki ezithatha inxaxheba ekukhutsheni loo mboleko zinamathuba amaninzi. I-syndicate yezakhiwo zeebhanki zemali ikulungele ukuba ingozi nganye yeebhanki iyancitshiswa kakhulu. Kubalulekile ukuqaphela ukuba iqumrhu elidalwa yibhanki alisigxina, kodwa likhona kuphela kwisakhelo seeprojekthi ezithile.

Ngaphambi kokufumana imali ebolekisiweyo, umboleki uya kufuna ukugqiba kwizitrakthi zebhanki angathanda ukufumana imali efanelekileyo. Ukuziqhelanisa kubonisa ukuba ukuze ugweme naluphi na uhlobo lwephepha, kwaye kulula ukulungiselela, abolekayo baya kwiibhanki eziye zacebiswa ngabahlobo okanye abo babambisana nabo ngaphambili.
Emva kokuhlolwa okufunekayo kunye nokuzimisela kwemali yemboleko yemvumelwano, kubanjwe intlanganiso, apho abameli bebhanki zonke abanomdla kufuneka bahambe khona. Zonke iimeko zokuqhuba umsebenzi zigqitywe ngqo.