Ukuyicazulula Bank: ubunjani bawo nenjongo

Iminyaka engamashumi kwilizwe lethu imisebenzi kahle zenziwa. Basimisela transaction intengiso kumthengisi naye ilungelo otyalwayo ukuba esiyifumana ityala yomboleki. Iinjongo ubudlelwane ezinjalo unako ukukhonza iimveliso okanye iinkonzo kwakunye izibambiso apho iintlawulo okwangoku.

iintengiselwano ukuyicazulula eziyingenelo onke amaqela esivumelwano, kuba kuvumela umthengisi ukufumana ityala ngoku, phofu luphela. Phakathi ibhanki kwaye ogwetyelweyo isivumelwano njengoko apho kumthengi wokuqala uya kuhlawula kwityala 80-90% yesixa esipheleleyo kwaye enelungelo ukuba ahlawule ityala ngokupheleleyo kwixesha elizayo. iziko lamatyala inzuzo kwezoqoqosho umahluko ka-10-20%, ngokuba isaphulelo. Kwezinye iimeko, imiqathango yesivumelwano linokufuna imbuyiselo ngokupheleleyo ukuba otyalwayo ityala, kwaye ibhanki leyo ifumana ikhomishini, imali leyo ikhankanyiwe kwisivumelwano mazwe.

Ukuyicazulula imisebenzi zebhanki zibe zihlelwa uhlobo. Enye ixhaphakileyo kuthathwa kahle ekhaya, oko kukuthi, ukusebenza ngenxa ukufunyanwa ilungelo ibango abahlali eli lizwe. Ukuba omnye amaqela bethenga ngummi welinye ilizwe, ngoko ke sithethe kwifom ngamazwe. umboleki Xa uvula ukuyicazulula intengiselwano ziya kwaziswa ukutshintshwa namalungelo recovery yetyala ukuya elunxwemeni. umbono eyimfihlo okanye ezifihlakeleyo lwenziwa ngaphandle ulwazi onetyala malunga ukutshintshwa neemfuno amalungelo. Loo deal bekuya kuba imali eninzi kakhulu. Umhlawuli likhuphela iingxowa-mali yetyala kwi-akhawunti yebhanki client, neziye zithi ke ngoko ikhupha imali ebhankini kwi-mali esekwe ngesivumelwano zezivumelwano.

Ukuziqhelisa, imisebenzi share kahle kunye noncedo kwaye ngaphandle kwayo. Ngokutsho Uhlobo lokuqala ibhanki ungatshitshisa intengiselwano kunye kumthengisi size ndombuyisela ilungelo lokwenza ibango xa kuthe sentsilelo umxumi ukuba uhlawule ityala. Ukuba utyando lwenziwa ngaphandle uncedo, ombane akanako ukuba umbolekisi lokuhlawula namatyala ajingayo. Kakade ke, kwiimeko ezininzi, kukhethwa uhlobo lokuqala zentengiselwano, khon 'ukuze kuncitshiswe izinga lomngcipheko yebhanki. Njengomgaqo, bezregressovye imisebenzi yenziwa, xa obolekayo kwiqumrhu ezinganyibiliki kunye nesikhundla ozinzileyo zemali.

Ukuyicazulula imisebenzi kwiibhanki zorhwebo yaye kuya kusanda ukuthandwa, njengoko ukuvumela ukuba abuyekeze yokunqongophala zokuqhuba umsebenzi yangoku kwezolimo okwethutyana. Kwaye ngokwemiqathango yokuswela ngetyala, umzekelo, xa iibhanki ukwala ngenxa yezizathu okanye omnye, kahle uba uhlobo ilikhubalo evumela ukugcina ngezibonelelo. Kodwa iziko lamatyala ayisoloko uvume ukuba ukungena intengiselwano enjalo. Xa uqwalasela ulawulo isicelo ibhanki scrutinizes indlela yokuhlawula amatyala abantu onetyala, imbali yawo yamatyala, imfuno yemveliso kwimarike kunye amathuba ukuphunyezwa kwayo ngexeshana elifutshane. Kwenziwa umsebenzi ngokwanelisayo olunzulu ebanzi, yaye oku kubonisa Ukufana kahle kunye ngetyala.

Amaxesha amaninzi ibhanki onyanzelwayo ukukhanyela kumthengisi, ukuba UMboleki amatyala amakhulu abatyalwayo ezahlukeneyo, okanye xa umsebenzi lentelekelelo. Kwakhona iinkampani ukuyicazulula musa esichengeni ukufumana amalungelo neemfuno ityala na iqumrhu elisemthethweni wenza imveliso yempahla non-ezithile okanye ukuba ujoliso kubaphulaphuli nemxinwa kwabathengi.

Kahle kwiimalike yanamhlanje yezimali zeli lizwe zenziwa phantse ngokulinganayo njengoko kwimarike yaseYurophu kwemlda ngamazwe. Yaye etsala abatyali ngakumbi amazwe abaye izityhwentywe zemali, kunokuba ngelishwa, akakwazi ndoqhayisa abenzi zasekhaya.