Njengoko imbali yekhredithi self-hlola?

Imbali Credit - iinkcukacha ngendlela yokusebenzisa ngetyala uthetha wonke ummi naye elunxwemeni lomlambo. Ngesi ifayile Ungafumanisa indlela wabuyisela ngetyala, nokuba kukho ityala lebhanki, ukuba kunjalo, sithini isixa-mali. Phambi kokuba i-mboleko entsha, amaziko ezemali kufuneka khangela imbali ngetyala of kubaboleki ezinokwenzeka.

Kwezinye iimeko, iibhanki ecela imbali yekhredithi?

Kwiimeko ezininzi, ukufumana imali-mboleko ngaphandle kokudlula kwi inkqubo yokungqinisisa, akunakwenzeka, ingakumbi xa kufikwa yokubhuqiswa liboleke abanye, ezifana mortgages. Ngoko ke, kufuneka uthathe uxanduva izibophelelo ngetyala kwaye ahlawule ngexesha. Ngenxa intlawulo ngexesha elililo, ukuba kwimbali ngetyala 'embi' Zisindise.

Xa usenza isicelo semali-mboleko, kufuneka uvume ukuba isicelo dossier lobuqu. specialist Bank iya kuhlolisisa baza kuphela wenze isigqibo malunga nesicelo ishiywe. Ukuba phambi kokuba yokufayilisha isicelo ofuna aqhelane ngembali yaso, kukho indlela apho uya kufunda ukukhangela indlela yembali yakho yamatyala for free. Ukuze wenze oku, ngexesha lokufaka isicelo kufuneka ubhale ingxelo ebhaliweyo intloko ebhankini, apho wacela ukuba baqhelane ifayili ngetyala. I-Bank akanalo ilungelo lokwala kuni, njengoko wenza isicelo kwiziko lamatyala ukuba ibenguye othabatha isigqibo. Noko ke, ezinye iibhanki musa khangela imbali yekhredithi kwaye umise ephezulu inzala.

Indlela ukukhangela imbali amatyala akho?

Namhlanje, nabani na khangela ifayile ezamahala ngetyala. Ukuze wenze oku, tyelela iwebsite ye nayiphi na ibhanki okanye mortgage broker. Ukuba kulo nyaka kusekho imfuneko ukujonga imbali yakho, kuya kufuneka ukuba uhlawule imali engange malunga 500. Ukuze ufumane imali, ungakwazi ubuncinane ukuhlola ezhedenevno. Isicelo ngasinye kufuneka ihlawulwe ngokwahlukeneyo.

Apho ujonge imbali yakho ukuba awukwazi zinokucelwa ngokusebenzisa umthengisi?

Ngaphambi kokuba ufumane iinkcukacha iifayile zakho, kufuneka ufumanise apho kulondolozwa imbali yekhredithi. Ulwazi malunga eligcina inkcazelo ngeentengo zemboleko (CRB) anokufunyanwa ebhankini, apho amalungiselelo-mboleko. Unga ukuhlola isivumelwano semali-mboleko, abanye ngemali zikhomba idilesi BKI kunye nekhowudi yokuzazisa ukufumana ulwazi oluyimfuneko.

Ukuba uyayazi idilesi, kufuneka kuqala wazi ixesha kwaye bafumana yokundwendwela ukuya khona ngeli xesha. Ukujonga imbali yekhredithi, kufuneka ukuba ubhale ingxelo apho ekhankanywe isicelo sakhe. Musa ukulindela ukuba iinkcukacha osinike zona kwimizuzu embalwa, oko kuthathe ezinye iintsuku ezimbalwa ukuba alinde.

Xa kunjalo, ukuba ofisi yakho kwesinye isixeko, kufuneka ugcwalise ifomu uze ulithumele ngeposi isaziso. Ngexesha nyanga, mna ukuba impendulo uza kuza. Nceda uqaphele, ukuba une-mboleko ezininzi, ulwazi zingagcinwa ofisi ezahlukeneyo. Ngoko ke, ukuba ufuna ukukhangela imbali ngetyala ngamnye kubo, unelungelo kanye ngonyaka ukwenza yona simahla.