Yeyiphi ibhanki ukuthatha ngetyala - umthetho yokukhetha

Xa isigqibo ekwenzeni mboleko imali, abantu bacinga yokuqala bonke abo apho ebhankini ukuze uthathe ngetyala. Kuyenzeka ukuba siqwalasele kuyo iimbono ezahlukeneyo. Umntu kubalulekile ukuba iimfuno yaba unyanisekileyo, nabanye abanomdla ixabiso letyala, inzala kunye neentlawulo, kwaye elesithathu oko kuyimfuneko ukuze ufumane imali-mboleko ngokukhawuleza kwaye ngaphandle kokulibazisa.

Ukukhetha ukwenza kuqala, hayi kangako ngakwicala kwiziko elithile zemali, ukujonga ukuba izixa-uhlobo mboleko xa iyonke. Bangakwazi zingahlulwa zibe zizintlu ezininzi:

• mboleko Consumer. I ilula, ilula kwaye imveliso mboleko zithandwa kule minyaka mi-5 idlulileyo. Lula beleni nokunyaniseka umxhasi ajike ukuba imali encinane kunye namazinga enzala mboleko phezulu;
• mboleko Target. Efanayo, enyanisweni, umxhasi, kodwa zikhutshwa kuphela iimfuno ezithile, kunye isiqinisekiso yendawo yabo. I-Bank linokufuna ubungqina ukusetyenziswa kwemali ukulungiselela ezi njongo;
• mboleko Car, mboleko olubekwe yi mortgages impahla. Ezinkulu, mboleko ixesha elide, efuna ukulungiswa ngononophelo, yaye nenkqubo ukuhluzwa ubude babo nezintsonkothe.
• Mboleko ukuze ishishini. Umba eyahlukileyo, oko capacious kakhulu kwaye zintsonkothile.

Makhe sicinge ukuba sithetha ngalo ndlela ezisisiseko mboleko - nkonzo. Ngoku ke kufuneka ukuba ukhethe ebhankini ukuthatha mboleko imali iza kuba nenzuzo kunye engcono ngakumbi. Eyona nto ibhetele ukuchitha uhlalutyo encinane ngetyala inika amaziko ezemali ezahlukeneyo zithelekise imigqaliselo zabo kunye nemiqathango.

Iimpawu kunye nemiba ebalulekileyo iimveliso mboleko yeebhanki ezahlukeneyo

Kwindawo yokuqala abathengi babuyele kwabo iibhanki ukuba yaziwa kakuhle kwaye ethandwa kulo lonke elo lizwe, okanye kwamanye amazwe, kunye nothungelwano kwabo phambili kunye enkulu. Kukho ukulandelelana ethile. Okokuqala, kwi sigqibo, apho ibhange ukuthatha ngetyala, kuchaphazela igama yeziko. Okwesibini, kukho ezininzi kumasebe kunye ATM zenza kube lula ukuba ukusombulula le ngxaki kunye iintlawulo zenyanga okanye ukurhoxisa imali evela ikhadi. Advertising nayo idlala indima, imibutho efana musa sinayo na iividiyo ezintle.

Kwelinye icala, kukho inani elikhulu labaxhasi, iibhanka shy abeke imiqathango ngokwanelisayo engqongqo-mboleko - akayi ukusebenza wedwa, ngoko kuya kuba elandelayo. Kulo mba, amaziko amancinane zemali yommandla idini onyanisekileyo ngakumbi kubaboleki kunye nokhuphiswano amazinga.

Lilonke, credit umsebenzisi imigaqo esisiseko aphethwe phantse kuzo zonke iibhanki. Kukho iindidi ezithile lobungozi, ixhomekeke kwindlela yokuhlawula amatyala emntwini, iminyaka yakhe nembali ngetyala. Umzekelo, akulula ukufumana, apho ibhanki abafanelwe udumo ukusuka kwiminyaka engama-20 - imibutho emininzi basebenza kuphela kwizigulana endala.

iimpawu eziphambili zixabisa ukunikela ingqalelo xa ukhetha:

• umyinge wenzala kunye nemirhumo yenkonzo;
• isilinganiso semali-mboleko;
• ngokoMthetho lokuhlawula imali-mboleko, izohlwayo kunokwenzeka ne komishini;
• Package kwamaxwebhu afunekayo ukuze nokubhaliswa kwesivumelwano.

Ukongeza, isigqibo apho ibhange ukuthatha ngetyala, kwaye kuchaphazela izibalo bakhe. Kufuneka kufikeleleke kwaye ziyafumaneka ngokuphandle kwi-website ye-mbutho. Zingaphi ingxaki mboleko ngokunxulumene nenani eqhelekileyo lokungaphumeleli kwisicelo, izinga avareji mboleko - konke oku kwenza ukutya eyongezelelweyo uhlalutyo nokukhetha.