Ukufunyanwa kwemali: ukuthintela indlela ukuqinisekisa ukubuyiselwa yetyala nendlela oluwe ukutshona ematyaleni

Ukufunyanwa imali yokuqasha ezindlini isithuthi kwangaphambili ithengiswe okanye malunga nje mboleko imali - isivumelwano standard, elithanda phakathi kwabantu. Ngaphezu koko, abemi Russian zahlulwe iintlobo ezimbini: eminye ifuna irisithi, ngoxa abanye neentloni ukucela ukuba kuhlawulwe ityala siqinisekiso mboleko, nkqu kwesigidi engange. Le yokugqibela susumetela zixhathise yokuba abantu bayoyika ukuba buhlungu ukungakholwa kwabo. Ngelo xesha, efumene imali waba ngummeli wowona ulungileyo kwaye unetyala kwaye ogwetyelweyo: enye ngokucacileyo isixa ematyaleni, niqonde ukuba akakwazi kufuna ngaphezulu kuyo isixa semali ekuvunyelwene, kunye nezinye uyazi ukuba imali iza kubuyela kulo nangayiphi na indlela. Yaye ukuba umboleki utshintsha ingqondo yakhe ukuba abuyele imali, banakho ukucela inkundla, engqina ukuba semthethweni zokufumaneka zamabango abo.

Ezifunwa ngumthetho

Ukufunyanwa kwemali kwenziwa ngaphandle ukuba amboleke nayiphi na imali engaphezulu ziliwaka engange (amaxesha 10 wemivuzo). Le mfuneko yomthetho i-Russian Federation. uyifumene - is ngokwesigqibo esicalanye. Ukuba Loan (ukufumana) iimali ezinkulu ekucetyiswa uxwebhu kubameli ukuqinisekisa - oku kuya kuba iziqinisekiso olongezelelweyo.

Kukho ivunyiwe Akukho ngokusemthethweni uhlobo iirisithi, ukuze ubhale kuyo nayiphi ephepheni. Nangona kunjalo, kufuneka ukhankanye uxwebhu ezininzi izinto zomthetho: Igama elipheleleyo yokundwendwela iinkcukacha ze umboleki, igama kunye yokundwendwela iinkcukacha nombolekisi, imali-mboleko ngamagama, ixesha lokuhlawula (ukuba mboleko), inzala okanye uphawule ukuba mboleko inzala-free, indawo lokubhala, umhla kunye nomsayino njengaBamkeli ngexesha.

Ukufunyanwa imali yetyala: ngeengcebiso zeengcali

Ukuze ababoleka imali:

1. Bhala irisithi ngesandla sakhe. Kwimeko apho kuyimfuneko ukuba asayine itekisi eprintiweyo, musa ukuyishiya indawo isithuba phakathi isicatshulwa utyikityo.

2. Funda isicatshulwa eprintiweyo, ingakumbi ulwazi isixa ematyaleni, ngokoMthetho intlawulo, umyinge wenzala kunye nezohlwayo.

3. Zama ukugcina utyikityo lwakho kwiindawo eziliqela wangena umbhalo ochwetheziweyo.

4. Funa ikopi irisithi utyikityo yemvume umboleki-ngayo kwimigaqo. Oku kuya kunceda aphephe izongezelelo utshintsho kuxwebhu ayikho egameni lakho.

Ukuze nababolekisi:

1. Thabatha kuphela irisithi ngesandla.

yosiba 2. Le irisithi kufuneka lubhalwe endaweni gel ipeni (oku kunefuthe ukuba ingcali ekumiseleni ngobunyani).

3. Itekisi kufuneka luqulathe igama izivakalisi hayi ngaphantsi kwe 4-5, qiniseka ukuba irisithi ebhaliweyo phambi kwakho, endaweni ethe tyaba, yaye isandla sokunene (ukuba umboleki eseleyo-sasekhohlo, ekhohlo).

4. Jonga utyikityo kwi yokundwendwela kwaye ukusayinwa irisithi.

Ukufunyanwa kwemali

Kokufumana imali, njegawo nawaphi na amanye amatyala, ibe ligama lilinganiselwa. Yena iminyaka emithathu ukususela kumhla wokufunyanwa mboleko. Kwaye kufuneka ziqwalaselwe kwiimeko apho umntu onetyala lakho licele ityala: Ukuba ufuna ukunika kuyo, ukuthatha unonophelo uqulunqa uxwebhu olutsha kwimeko apho ezingummiselo umda iirisithi amadala ukuba iphele.

Ukuba onetyala yakho ukubonisa umnqweno ukubuyisela imali, bhala ingxelo enkundleni. Emva kwesigqibo indawo ekuthethelelayo kufuneka bapase i an ukubulawa kumsebenzi bailiffs 'ekuhlaleni, apho uya kuqokelela ngamatyala yomboleki egameni lakho.