Ukuboleka KwamaRashiya Kwaye Nento Oyifunayo Umthengisi weMboleko

Imarike yokubolekwa kwemali eRashiya iyanda minyaka yonke, kwaye inzala yenzalo ikhula kuphela. Yisiphi isizathu salo kunye nendlela yokuqiqa ixesha lexabiso eliphantsi, ngelixesha elingcono ukuba uthathe imali mboleko kwaye kuyafaneleka ukulinda amazinga aphantsi kwixesha elizayo? Masizame ukuphendula le mibuzo.

Kuza kube namhlanje, izinga leenzala liye landa kunye nemigangatho engama 13-13.5% kumbolekayo kunye ne-deposit encinci kunye nemboleko iminyaka engama-20.
Isizathu saloo mivuzo inzala ephakamileyo yinqanaba lokunyuka kwamaxabiso, kunye nokungazinzi kwezopolitiko kweli lizwe lwakutsha nje. Ngezihlandlo ezahlukahlukeneyo zonyaka, inzala yenzalo iyakhula kwaye iwele.

Ngokuqhelekileyo iibhanki ziyanciphisa amaxabiso entwasahlobo kunye nekwindla, xa ukuthengwa kwezindlu ezithengiswayo kwiindawo eziphambili. Ngeli xesha, ezininzi iibhanki zinezaphulelo kwaye zinciphisa iirhafu zenzalo. Eli lixesha elihle kakhulu lokuthatha imali mboleko kwibhanki.

Kodwa iirhafu kwiibhanki ziphakame kakhulu, kwaye ukuhla kweepesenti ezi-2 kuya kubangela ukuhlawulwa kwemali enkulu. Ngoko kukufanelekile ukuba ube neengqiqo kwaye uqonde ukuba umboleko wemali mboleko ngumthwalo omkhulu kwaye kufuneka ulungele ukuhlawula le mboleko ngethuba. Ngokubhekiselele kwimizila yexesha elide, izibikezelo azikhuthazi. Omnye unokutsho ngokuqinisekileyo ukuba kungekudala akukho zicutshulwa ezibalulekileyo kwiirhafu zemali elindelekileyo.

Yaye into emangalisayo kukuba ngokuqhelekileyo kunzima ukuthatha mboleko. Oku kubangelwa ukuba kukho iqela elikhulu labbolekayo eRashiya, elisebenzela ukuqesha kwaye lifumana inzuzo. Olunye udidi lwababolekayo abaneemali-mboleko ezivulekileyo okanye ama-delinqual for them. Kwaye kukho ababolekayo kunye nesethi yazo zonke izinto ezinokukhethwa kwangoko. Iingxaki ezifanayo zivame ukuvela kubanini-shishini, ababhanki beebhanki ngokukhawuleza.

Kuzo zonke iimeko ziza kuxhaswa ngumthengisi wemboleko. Kwakhona kwenzeka ukuba umntu obolekayo uyayiqonda yonke into ebalulekileyo kunye nobungakanani bentengiso yababolekisi kwaye ufuna ukugcina ixesha kunye nokukhetha okuvela kwiibhanki, eziza kubakho ukugcina imali enkulu.

Umthengisi wemboleko yintlangano okanye umntu owazi kakuhle ngemveliso yemboleko kunye nemeko yemboleko ekhoyo ngexesha lokuthengisa. Omnye wabalandeli beentengo zemboleko nguSolum.

Kubonakala ngathi abathengi bemali-mboleko yindleko eyongezelelweyo yomboleki, kodwa ukuba ukhangele le meko ngaphesheya, kuyacaca ukuba umthengisi weentengo zemboleko usenza imali cishe phantse zonke iimeko! Oko kwenzekayo kulula kakhulu:

Abathengi bemboleko banobambiswano kunye neebhanki, i-inshorensi kunye nenkampani yokuxabisa, yingakho ababoleki beentengo zemali banesaphulelo kwixabiso lomyinge kubaxhasi babo kwaye banyuse amathuba okuvuma imboleko mboleko. Kwiphepha lewebhu leSolum, enikezelwe kwimali yokuboleka imali, ungayifumana

Xa ufinyelela kubathengi, ufumana ithuba eliphezulu kakhulu lokuvuma i-coadit, kuba Amabhanki axabisa ubambiswano kunye nothando lokusebenza ngokusebenzisa i-arhente arhente.

Kuhlala kuthiwa: qaphela ixabiso lentlawulo kunye neentlawulo ezongezelelweyo kwimali-mboleko. Kwaye unokucebisa ngoku ukuba ubole umboleko ngenani lentengo eguquguqukayo kunye nokukwazi ukuhlaziywa ngonyaka okanye kwiminyaka emithathu - okwangoku kunenzuzo kakhulu kunamazinga athile. Kungenzeka ukuba ngeli xesha uza kukwazi ukulungiswa kwemali mboleko ngesantya esisoloko sinomdla ophantsi.