Yintoni inzala inzala ebhankini?

Abemi abaninzi basebenzise ngokufanelekileyo iinkonzo zeebhanki. Amaziko emali ahlinzeke ngemali-mboleko, iiphozithi apho inzala ifunyenwe khona. Lo mbandela kufuneka uhanjiswe ngokucophelela ukwenzela ukuba kwixesha elizayo akuyi kubakho ubunzima. Ukuba ngamnye umthengi ufuna ukufumana umyinge omncinci wenzalo yemboleko, ngoko ke xa utyalo-mali imali yakho-inenzuzo ngakumbi. Kodwa ibhanki ngalinye libeka phambili imigaqo yalo yeenkonzo. Yintoni inzala, kwaye ibalwa kanjani?

Inkcazo

Abaninzi bakholelwa ukuba ukuba ipesenteji i-12%, ke yonke imali ehlawulwa ngaphezulu i-12%. Kodwa oku akuyinyaniso, ekubeni le ncwadana ibalwa ngonyaka. Ukuba, umzekelo, umboleko ukhutshwe iminyaka emi-5, inzala ibalwa ngonyaka ngamnye wokusebenzisa imali. Ihlawulwa ukusuka kuseleyo. Sekude ixesha lexesha lokubonga, umvuzo omkhulu.

Ngobhaliso lwekhontrakthi kufuneka lugcine ingqalelo kwiimeko. Wonke amaziko emali ahlawula ipesenti ehlukeneyo. Ngokomzekelo, i-MFIs ihlawulwe ngaphezulu, kwaye iibhanki zihlala zonyaka. Iyintoni intlawulo yemali kwidiphozi? Le yintlawulo yenzuzo efunyenwe kumxhasi ngokubonelela ngemali kwibhanki.

Yintoni echaphazela ukubheja?

Inzala ibalwa ngesiseko sezinga leBhanki ephakathi. Ngokomzekelo, ukuba i-8%, ke akukho nhlangano ayikwazi ukuboleka imali ngenkokhelo encinci. Ngokuqhelekileyo kwiibhanki, iinkonzo zinikezelwa ngepesenti ephezulu.

Kukho ixesha elinjalo njengamaxabiso emali. Unyaka ngamnye kukho ukuhlaziywa kwemali. Ukuba amabhanki abeka amaxabiso aphantsi, ayenzi inzuzo.

Ziyintoni na iindleko zemboleko?

Umboleki kufuneka azi ukuba yintoni inzala, kodwa nokuba yintoni equka umboleko. Kubalwa ngesiseko se:

• Iqondo lokunyuka kwamaxabiso: eRashiya malunga ne-7% ngonyaka;
• Ibhanki ayinakujongana nombandela wezimali zayo, ngenxa yoko, inabasebenzi be-deposit: ukulungiselela iifomethi, iimali ezibandakanyiweyo mboleko zifunekayo;
• Kwezinye iimeko, iibhanki ziboleke imali kwiminye imibutho, kwaye abolekayo bahlawula umyinge we-interbank;
• Ibhanki ngalinye alikho abakhokheli, elibandakanyiweyo kwiindleko zemboleko;
• Ibhanki iqwalasela ukuphuhliswa kwayo: kufuneka ihlawule umvuzo kubasebenzi, ikhuphe ezinye iindleko, apho abathengi nabo bahlawula khona.

Njengoko le mithetho yokubala, sinokuthi inzala enjalo. Le yimbuyekezo yokuchitha iibhanki ngezidingo zabo kunye nokwenza inzuzo.

Inzala ephantsi

Ngokuqhelekileyo kunokwenzeka ukufumana iibhanki ezinamazinga omdla aphantsi kakhulu. Umboleki ngamnye ufuna ukufumana imali ukuze angagqithisi kakhulu. Kodwa nangona isantya esincinci asibonisi ukuba umboleko uya kuba ngexabiso.

Kwizentengiso, ibhanki ibonisa rhoqo inzala ephantsi kakhulu ngonyaka. Iinkonzo ezinjalo zinikezelwa kubaxumi abambalwa kuphela. Enyanisweni, oku kuhambelana nokukhangisa, kodwa umboleki wangempela uya kufumana izinga langempela emva kokushiya isicelo kunye nokuthumela amaxwebhu. Ipesenti imiselwe ngoluhlu lomboleki, imbali yayo yematyala kunye nezinye izinto. Ngenxa yokwanda kwenzalo, ibhanki iquka ingozi yayo ngokwenza isivumelwano kunye nomboleki.

Ukubheja okuncinci kubonisa ezininzi. Ibhanki iya kuhlala ifumana iinzuzo zayo, kodwa umntu obolekayo unalo iindleko ezilandelayo:

• Iipresomesi;
• Imirhumo yokuvula nokugcinwa kwe-akhawunti yekhredithi;
• Iintlawulo kunye nezohlwayo ngokulibazisa;
• Ukuhlawulwa kwentlawulo yokuqala;
• I-SMS ehlawulwayo-ukwazisa kunye nezinye iinkonzo.

Ngaphambi kokusayina isivumelwano, kufuneka ufunde ngokucophelela ulwazi oluqulethe. Kwakhona kuyimfuneko ukufumanisa kwi-ingcali ukuba yeyiphi imali eyongezelelweyo yokuhlawula kwibhanki. Kuphela abahlawuli bemivuzo abanethuba lokusebenzisa ixabiso elincinci lentlawulo ngo-2016.

Umyinge ophezulu

Kwimigangatho yebhanki, inqanaba lomyinge osisigxina kunye nomyinge omkhulu wenzalo uyasebenza. Oku kunqunywe ngumthetho wangoku. Imboleko ayikwazi ukuba ngaphezu kwama-57.3% ngonyaka. Ngokuhamba kwexesha, esi sibonakaliso sinokuhluka.

Lo mgaqo usebenza kumaziko ebhanki, kwaye amaziko eemali-mali ayisebenzi kuwo. Yingakho ezi zilandelayo zibonelela ngabemi ngemali kwi-500-800% ngonyaka.

Iintlobo zeBet

Iirhafu ezinomdla kwiibhanki ziyimali rhoqo, ngakumbi kwimali mboleko yabathengi kunye nemali yokubolekwa kwemali. Bazimisele phambi kokugqitywa kwesivumelwano, emva koko umthengi ufumana ishedyuli yokuhlawula. Kuyo kunye nentlawulo yenziwa.

Kodwa ipesenti nayo iyajikeleza, apho umqeshwa unyanzelekile ukuba axwayise umthengi ngaphambi kokugqitywa kwesivumelwano. Oku kuthetha ukuba umnini-mboleko ngokwakhe uzimisele ukutshintsha inani lokuhlawula imali. Kwaye umsebenzi womxhasi ukuhlawula umdla otyunjweyo. Iimeko ezinjalo zisetyenziswa kumakhadi-mboleko, engenakuncedo kuluntu.

Indlela yokufaka i-overpayment?

Ukumiselwa kweentlawulo zenyanga kunqunywe yinkqubo yokuhlawulwa kwetyala. Yonyaka kwaye ihluke. Kwimeko yokuqala, onke amanani alinganayo kude kube sekupheleni kwexesha lokuhlawula. Kwaye ukhetho lwesibini, umlinganiselo wenyanga uhla.

Unokumisela ukuhlawulwa kwemali kwiziko ngalinye. Ngenxa yoko, kukho inkqubo yentlawulo ye-intanethi, kodwa ulwazi oluthe ngqo luya kunikwa umqeshwa. Kufuneka ukhunjulwe ukuba umdla awukho iindleko zemali mboleko, iibhanki zibandakanya iimali ezininzi kunye neekomishoni. Oku kungagqitywa ngesivumelwano somboleko. Amanani omdla kwiifom zibonakaliswe kwiphepha.

Ungayichaphazela njani inzala?

Amabhanki anika imiqathango eyahlukeneyo kubo bonke abathengi, nangona inkqubo yeebredari isebenza yedwa. Oku kuqinisekiswe ukuba isigqibo sokunika i mboleko senziwa ngokwamaphepha anikezelweyo. Kodwa inani lokugqibela lemboleko lixhomekeke kwizinto ezinjengezinga lomvuzo, ukufumaneka kokhuseleko, imeko yembali yemboleko, iminyaka.

Ukufumana iimeko ezifanelekileyo, umsebenzi ozinzile ngezinga eliphezulu lokuhlawula, irekhodi lomsebenzi ocebile kunye nembali ebalulekileyo yematyala iyimfuneko. Kodwa xa, umzekelo, umntu obolekayo unemali-mboleko yokuqala, ipesenti enkulu inokusekwa. Isizathu salokhu kukulahlekelwa kwebhanki kwiphanki, ukuba kukho intlawulo yokuqala.

Intengiso yokuthengisa - yintoni na?

Olu hlobo lokubheja luvame ukunikezwa ngokuthengiswa kwemoto. Efanelekileyo 0%, ezenza izithembiso, ayifaki ukuhlawulwa kwemali kwi- mboleko yebhanki. Ixabiso lokuthengisa lithatha ukufumana isaphulelo sempahla kwisilinganiso semali enokuba kuyimfuneko ukuyihlawula kwibhanki. Esikontraki sokuthengwa kubonise intengo yemoto kwisaphulelo, kwaye isiseko sayo siya kubalwa inzala. Ngokuqhelekileyo ngu 10-12%.

Ukuba isalathisi asilingani ne-0, ke isaphulelo sinikezelwa umahluko kwimali yokuthengisa kunye neebhanki. Le mali ihlawulwa ngumthengisi kwi-bhanki ngenxa yesivumelwano. Ngenxa yoko, umthengi uthenge imoto ngentengo ephantsi. Kuphela kufuneka aqwalasele iimali zakhe, kunye nokufunda ngenyameko isivumelwano. Ngokuqhelekileyo, ezo ntengiso zikhutshwa i-inshorensi, eneempesenti eziphezulu.

Ngaloo ndlela, ukuba ufuna ukufaka isicelo sembolekiso, kufuneka ufunde ngokwesixa semali, kunye neemeko ezongezelelweyo. Ezinye iimali zebhanki kunye neekomishoni sele zibandakanya umyinge wonyaka, kwaye ngoko ke iindleko ezingadingekile aziyi kufunwa. Kodwa ekubeni ubolekayo kubalulekile kwiindleko zemali-mboleko, okokugqibela okukhethiweyo kuye kuya kuba nenzuzo encinci. Kuphela ukuba ngaba umxhasi unelisekile kuyo yonke imimiselo, unokuyila isivumelwano.