Njani isigqibo sokuba yeyiphi ibhanki kungcono ukuthatha mboleko

Umbhali kweli nqaku usebenza yenye yeebhanki ezinkulu lwaseYurophu, zande eRashiya. Uqhelene nkcukacha yeenkonzo zezimali, mboleko ezithile kunye namakhadi ngetyala. Kweli nqaku, apho uya kuthengisa iinkampani ezithile, nangona kunjalo, uya kufumana iingcebiso kuluncedo ukuba ubone apho ibhanki kungcono ukuthatha ngetyala.

Yintoni credit? ayiyi kusebenza nesichazi magama neencwadi ukulungiselela abasebenzi ebhankeni inkcazelo ecacileyo. Siphawula kuphela ukuba mboleko - inkonzo zemali uhlawule ngawo. Uhlawulele iinwele, kuba kukwenza ukucheba. Hlawula arhente naweehambo imvume kunye visa processing ecetywayo. Kwaye wena uhlawule ibhanki ngenxa yokuba umnika imali ngoku. Kakade ke, ungonga imali ngokwakho. Mhlawumbi kufuneka ukuba ulinde iinyanga ezintandathu, unyaka okanye isibini iminyaka. Nangona kunjalo, oku akusoloko lilungisa, kuba ngamanye amaxesha kubhetele overpay, kodwa ukufumana le nto ayinqwenelayo kwixa elizayo. Umzekelo, ukuba une TV yaphulwe. Ungonga seenyanga ezintandathu ngenxa TV entsha, kodwa kungcono ukuthatha imali-mboleko yebhanki bachitha iinyanga ezintandathu zokugqibela kunye nentuthuzelo kuyimfuneko. Kwaye ezinye iinkalo zobomi - amayeza, imfundo, iziganeko ezibalulekileyo ebomini bakho - ungxamisekile. Kwaye kwangoko kufuneka uhlawule ingqalelo emarikeni kwiinkonzo zemali kunye nokwenza isigqibo sokuba yeyiphi ibhanki kungcono ukuthatha ngetyala.

sisi free kuphela mousetrap. yebhanki nganye kufuneka afumane ingeniso mboleko. Vuma, akukho ibhange ayisekho ukuba wayengazange nzala enkulu evela abathengi. Noko ke, asingabo bonke amashishini ezinjalo ukuwuphikisa obala. Kwezinye iimeko, usenokudibana iindleko ezingalindelekanga.

Wazi njani yeyiphi ibhanki kungcono ukuthatha imali-mboleko?

Okokuqala, iibhanki nceda ezinkulu kuphela yomhlaba okuqinileyo isiseko sabathengi. Kwi nezinyuko ezaziwayo-kakuhle Internet uyakwazi uqhelane nale ndlela anikwe ngayo iibhanki, ukwazi zingaphi agents, umdala indlela abasebenza kwi emarikeni. Ukuthembeka amaziko ezinkulu ukuba iinkonzo abathengi million 20. Ukuba inkampani gqi kwimarike ngokwentelekiso kutshanje - uzibeka emngciphekweni omkhulu, oko ihonjiswe kwi-mboleko. Nangona kunjalo, umahluko phakathi kweenxweme ezimbini elikhulu isiseko umthengi yabaxumi million 20 no-30 phantse apho, ujonge isantya, kunokuba ebhankini ngokwayo. Ezi ntlawulo atshintsha rhoqo kumaziko ezinjalo, ngoko linikeza ubhejo ubuncinane kunyaka odlulileyo, oko kusenokuba imali eninzi kakhulu, banikwa imeko kulo nyaka umiyo.

Okwesibini, ukufumanisa ukuba ibhanki kuthatha imali yenkonzo ngaphaya inzala kwimali-mboleko. Namhlanje, oku kakhulu inqabile, kodwa kuyimfuneko ukucacisa le ngongoma. Ezinye iibhanki zisuswa imali abathengi ukuba ikhadi apho kwakubhalwe ityala. Ekubeni angafuna imali eyongezelelweyo inshorensi inkonzo sms-izaziso kunye kakhulu ngakumbi. Ukuzikhulula izimanga, cela ingcali, amalungiselelo-mboleko, yintoni eyona mali kufuneka uhlawule, kuthathelwa ingqalelo zonke iindleko ezongezelelweyo. umsebenzi eyaziwa ibhanki iya kuba nako ukuzimela inyaniso kuni.

Okwesithathu, funda ukuba umlinganiselo wakho we ithuba kwemali ekuqaleni. Ukuhlawula le mboleko phambi kwexesha, uya nciphisa ngokubaluleka overpayment, ukonga kwi Ipesenti engaphezulu. Ngalo lonke ixesha zama ukuhlawula imali-mboleko ngaphambi ishedyuli - kwiindawo okanye ngokupheleleyo. Lo ngumsebenzi kotaka kuwe. Noko ke, ngaphambi kokuba ukutshintshela kwi-akhawunti yakho imali engakumbi, tsalela ibhanki yakho. Mhlawumbi, ubuya kuqala kufuneka ubhale isicelo lokuguqula ekhulwini.

Okwesine, phambi kokuba uyakwazi ukufumana imali-mboleko ebhankini, cela ukuba ukubala overpayment yakho. umyinge wenzala wonyaka ingabonisi egqithisileyo. Le egqithisileyo eyiyo ibalwa yi elukhuni ekhulwini. Izinga -70% ngonyaka kungabangela nezicelo ka-20-50%, ngokuxhomekeke kwisixa nexesha le-mboleko. Engena ishishini zemali, hayi ngokukhawuleza wathetha la mazwi, "Ndifuna ukufumana imali-mboleko ebhankini," cela ngakumbi isantya, intlawulo yenyanga kunye namaxwebhu afunekayo. Uninzi zinako ukufumana uzuko ngenxa izixhobo ezimbini, kodwa ke ubuninzi wenzala. Xa kukhangelwa ukuba yeyiphi ibhanki kungcono ukuthatha imali, qiniseka ukuba indlela kwesiqinisekiso 2NDFL kunye eqinisekisiweyo ikopi yerekhodi ingqesho - oko kuya kukunceda unciphisa iindleko. Qaphela uze ukhethe ngabom ibhanki, ngoko uya kuba nako ukuzikhusela ngokwabo kuzo zonke iintlobo lembandezelo.