Yintoni esongela non-ekuhlawuleni imali-mboleko? Ngaba kunokwenzeka ukuba ukuhlawula imali-mboleko, yintoni imiphumo le ndlela?

Kuyenzeka ukuba umntu uthatha imali-mboleko ebhankini, ze ke, ngenxa yeemeko okanye ngenxa ukuthingaza ukuhlawula, musa ahlawule intlawulo yenyanga. Kwiimeko ezinjalo, isaziso ukusuka kwiziko ngemali kulilize ukulandela omnye. Kodwa lo mntu modem izilumkiso. Ibhanki zikholisa alinde iintsuku ezingama-60, apho ukuba abathengi ukuba ahlawule imirhumo ebesilindelwe, akukho ikhumbuza malunga ityala. Noko ke, abathengi abaninzi musa ukucinga ngento yokuba ingozi lokungahlawulwa kwemali-mboleko ebhankini.

isivumelwano

Ngenxa yokuba ubomi zenzeka zokuqulela, ngokuxhomekeka ixesha elithile ukusombulula iingxaki. iinyanga ezimbini kwanele ukuba ngandlel 'kuqokelela inani kuyimfuneko. Emva kokuphela kwelo xesha, umbutho unelungelo lokwenza isicelo kwinkampani ukuqokelelwa kwazo, kuba kakade banetyala ngolunya iingxaki ezinkulu. Ibhanki aye ngokugqithiseleyo kuphela kwiimeko engenathemba. Ngamanye amaxesha utyelelo kwiziko zemali kunye incoko kunye nomphathi anganika ngenyanga enye eyongezelelweyo kokulibazisa. Kakhulu lula ukuba zithetha-thethane ebhankini. Uya kuhlangana, inokuba kwakhona ucwangciso lwe ntlawulo ngokungqinelana kunye neminqweno yakho uze uchaze into esongela kwengeyo-ekuhlawuleni imali-mboleko ebhankini.

Ubungozi sisuke?

Kuyenzeka ukuba ukwandisa-mboleko, umzekelo, kangangonyaka, ngoko ke isixa sentlawulo yenyanga iya kuncitshiswa kakhulu. Isambuku mboleko ezingaqhubi kakuhle akhawunti ngenxa mboleko yabathengi, kunikezelo esele lula kakhulu. Ngaphambili, iibhanki musani ukwenza isikhalazo neye ecikizekileyo wawalawula amaqumrhu asemthethweni kakhulu. Ngoku lilwela mboleko nganye engahlawulwanga. isivumelwano ngasinye igatya 1 inqaku. 819 ze-Civil Code, esibonelela intlawulo eyenziwa umboleki lemali-mboleko. Oku kubonisa ukuba umxhamli unoxanduva ngummeli wowona ebhankini. Lipelwe kwakhona ngaphandle ngokweenkcukacha, leyo kusongela non-ekuhlawulweni mboleko. Nangona kunjalo, umhlathi 1 Art. 333 of the Code Civil nga luncedo wangena ubunzima umntu ukujongana isohlwayo kunye nenzala accruals.

yeenkampani ukuqokelela

Ukuba, ke, wavuka imeko ngaphandle kolawulo, kunye neye ngolunya nje akaziphenduli iminxeba evela ebhankini, yena watyelelwa abasebenzi iifem yokuqokelela uchaze ngokwenkcubeko kakhulu indlela engalunganga abantu yaye yintoni uhlobo lobubi uya kuzisa engayenzanga. Eyona izohlwayo ekunokulindelwa ukuba xa kuthe non-sentlawulo, ezibhaliswe kwi-mboleko kwisivumelwano kunye nemfuneko Fundisisa lo xwebhu phambi kwenu bayayimisela. Kwimeko apho ubunzima okwexeshana onetyala inqununu iminikelo Outstanding unokukwazi ukuhlawula lesithathu, ehambisa incwadi yakhe kubasebenzi bank.

Ngoko wamsongela ngokusilela ukuhlawula imali-mboleko? Ngosuku olulandelayo emva kokuba uphose umhla wentlawulo a, ityala lilonke idityaniswe lenzala engagqibekanga ye 0,01% yemali mboleko yinqununu. Kubonakala ukuba ipesenti 'etyeni, kodwa into ekufaneleke ukuba siyicinge, kuba yimalini na ibalwa yonke imihla. Kubonakala ukuba kufuneka uhlawule imali eninzi.

ilungelo Bank

Kufuneka kuqatshelwe ukuba nobutyala akuthethi ukusongela kali. Noko ke, ungaphulukana impahla yakho isigqibo senkundla, iya kumka baxhasa ebhankini. Ukuba ngaba une-mboleko kwaye kufuneka amatyala iintsuku ezingaphezu kwama-60, ulawulo kwiziko lemali unelungelo ukubeka kwigumbi lakho esasikwifandesi. Isixa Inqununu iya kuhamba ukuhlawula ityala kwi-mboleko. kwakhona iindleko zomthetho kuya kufuneka ahlawule onetyala.

inkampani Recovery Debt ephethe ukubuya amatyala, wamkela ebhankini-50% yemali, ngoko ke imikhosi yenkuthazo eziphathekayo eya nkampani nzima kakhulu. Kufuneka iqondwe into sohlwayo uya kudlula non-ukuhlawula imali-mboleko - imiphumo inokuba buhlungu gqitha.

Uxinzelelo onetyala

Ukwenza ngokungqinelana nomthetho, nabaqokeleli uqale intetho eqhelekileyo enengcaciso malunga nesihloko esongela ukungahlawulwa kwemali-mboleko. Ngaphezu koko, izenzo zabo zibe ndlongondlongo ngakumbi. Ngokutsho komthetho siqinise, wathabatha phezu umsebenzi, angafaka isicelo enkundleni. impahla umntu, ukuba ahlawule amatyala, ziza kuchazwa yaye kuthengiswa efandesini kwi ngamaxabiso asezantsi.

Noko ke, abanye abaqokeleli ukunqanda tape yenkundla ebomvu, baqale ukuhlasela isimo salo onetyala. Kule khosi iindlela ezahlukeneyo: iintsimbi ndidikwe, isilumkiso, ukuze ingxelo kwindawo yomsebenzi okanye yokucima bonke abamelwane kunye ngamabali yetyala lakho.

Kwisithuba mboleko ixesha banikwa kwi Ngokwesiseko mazwi alula kunye nesicelo ngayo le Mali-mboleko. Zange abe nayiphi na ingcaciso engaphezulu, kodwa amava lubonise ukuba ibhanki kufuneka bazikhusele nxamnye mboleko non-intlawulo. Ukuba uninzi mali akuyomfuneko ukuba 'nkomoni emoyeni,' inkokheli kwafuneka qinisa iimeko yokubolekisa.

Imigulukudu yaye "neye ngokunyaniseka"

Iibhanki ayikukhuthazi abo banamatyala Cazulula zibe ziindidi ezimbini. Okokuqala - oku nabakhohlisi abathatha mboleko kwi amaxwebhu zomgunyathi azifihle ngabameli ziko. Bakholelwa ukuba awukwazi ukuhlawula imali-mboleko - yona nto ngoba ngeke. Udidi lwesibini - abemi abaqhelekileyo, ivaleleke ngequbuliso kwiimeko ezinzima. abakwazi ukuhlawula isixa wenyanga ngangokuthanda kwakhe konke. Amaxesha amaninzi, ezi abemi Tyhila (Kakade ke, hayi free) e anticollection ngokuqinileyo ukuya musa ukudibanisa iintshaba zabo, njengoko ukuqhagamshelana nabo akuthethi ukuba izinto ziya kuhamba kakuhle. Ngoko ke, kucacile ukuba iingxaki enkulu ezingezo-intlawulo mboleko ajike. Yintoni esongela ngayo, kwaye oko kwenzeka ngokusebenzisa songenelelo leenkundla?

ukulibaziseka

Ukuba kukho imeko umkhosi majeure kwaye iintlawulo edlulileyo ngenxa kwi-mboleko, kufuneka ukufihla ukusuka elunxwemeni. Kubhetele ukuba uthethe cwaka ummeli wakhe, achaze imeko kunye isigqibo indlela uqhubeke kwixesha elizayo. Ngamanye amaxesha umxhasi unokuthembela iholide encinane. Kodwa musani ukubaphatha sukuyidela elizayo pha kuwe - le mali kufuneka ihlawulwe kuyimfuneko, kungenjalo ibhanki kuya amanyathelo kakhulu. abo banamatyala abaninzi ekuqaleni wayengekafiki ukuqonda into yokungahlawulwa-mboleko ngaphezu kobuso meko yaye yintoni imiphumo kungabangela.

esidlangalaleni

Ukuba mboleko yakho kuthatyathwa ukhuseleko lwepropati, ibhanki unelungelo lokufuna ukuba athengise ngayo ngokukhawuleza kangangoko kunokwenzeka. Abameli mbutho uya kuba enkundleni ukuya kufuna i kwintengiso. Akukho mfuneko ukuba kuziswe kuyo, ukuze impahla yakho iya kuthengiswa ngexabiso encinci. Yaye isibakala sokuba imali iya kuhlawula ityala lilonke kunye nenzala yayo emiselweyo kunye nezohlwayo. Ukuba inkundla igqibe ukuba inyanzele ekufumaneni umvuzo, onetyala uhlala iindleko kuphela zokuphila, kwaye yonke imali iza ngokuzenzekelayo kuhlawuliswa ibhanki ngenxa ukuhlawula imali-mboleko.

Abanye abantu babelane ngamava abo, ephendula umbuzo wokuba yintoni igcwele ukusilela ukuhlawula imali-mboleko, ngaphezu ingozi. Forum njalo uxoxe ngayo yonke imiba efanelekileyo kubomi bethu. Apha, abantu bathi beza njani baphume kwiimeko ezinjalo, aze anike ingcebiso. Kakade ke, ungakwazi ukufumana impendulo umbuzo wokuba ingaba mboleko akakwazi ukuhlawula konke konke. Kodwa ngaba kubalulekile ukwenza oko? Ngenxa yokuba ngoku uyazi ukuba kuthetha ntoni oku.

Umthetho uvumela ibhanki sokutshintshela mboleko impikiswano ngenxa yokuqokelelwa kwamatyala ukuya komnye umbutho. Malunga nelo xesha ubophelelekile ukuba azise ngokungakhathali client. Kungenjalo, onetyala unakho umngeni isigqibo.

Ukuba iBhanki yanelisekile ukuba iklayenti ngobuqhophololo, olunokufuneka arhente zokunyanzeliswa komthetho ukuvula ityala lolwaphulo-mthetho kule nto. Nangona kunjalo, kwimeko enjalo, abameli kwiziko lemali kunye ngetyala ukungqina ukuba loo nto yenzeke.