Yomboleki yeentengo zemboleko ngabanye - isuntswana inyaniso mbali

Iinkonzo kakhulu ethandwa ezinikezelwa yi kwiibhanki zorhwebo - eli abantu lokuthenga. Ayimangalisi loo nto, kuba olu hlobo kubolekisa kunokuba ingeniso elungileyo amaziko zemali zelizwe lethu. Oku kubangelwa kakhulu izinga lenzala. Ngoko ke, umnyaka, kuthathelwa ingqalelo ikhomishini akhawunti kunye nenzala ngokungaphaya abathengi-40% ye-mboleko.

Yomboleki yeentengo zemboleko ngabanye: ezinye iimpawu

market - abantu baqesha abasebenzi. Credit ukhuphe umqeshwa kuphela. Isixa mali ixhomekeke ubukhulu kwemivuzo yokugqibela. Nokuba uthi ibhanki leyo yentengiso isondlo ungafumana isixa esikhulu semali, imali encinane iya kubalwa kuphela ngokusekelwe ingeniso yakho. Ngokusisiseko, imali-mboleko obukhulu ezintathu imivuzo yenyanga. Kamva, ukuba Mhlawuli ngexesha kungafezekiswa kweemfanelo zalo, ibhanki amvelisele igcina ezintandathu imivuzo avareji yenyanga ye-nye umnikimali nomamkelimali.

Umlinganiselo wenzala kwimali ebiyiboleka yabathengi abantu bemvelo iphezulu kakhulu nezinye iimveliso mboleko. Oku kungenxa high kubungozi bamatyala, eneneni, olu hlobo mboleko lukhuselekile nge izibambiso. Ukongeza, kukho usoloko unomngcipheko yabantu uyagxothwa emsebenzini, yaye ngoko ke kukuvela iintlawulo ezisemva ngentlawulo. Akukho into efana yomboleki yeentengo zemboleko ephantsi - yinto intengiso qhinga iinkampani zemali. Kunye namazinga enzala asezantsi kuya kuba anisizakali kuko ebhankini.

Kukhethwa ukuba phambi kokuba ukhetho bank otyalwayo uziqhelanise kwemiqathango yokubolekisa ngemali. Kukho amatyala omnye kuphela izinga lenzala nga savakala izibhengezo, kodwa eneneni kukho uthumo ngenyanga, i-inshorensi njalo njalo.

Iitsheki ngaba umboleki ebhankini xa usenza imali-mboleko?

Wonke ibhanki uzama ukudlala ekhuselekileyo nokunciphisa imingcipheko zabo. Ngoko ke, xa kubaboleki bayacelwa ukuba akhuphe mboleko kubathengi abathile, ibhanki laphumeza uhlolo olubanzi.

Eyokuqala elwenzile bureau umboleki credit (CRB). Ukuba sele uthathe imali-mboleko, i-credit iya kukhupha isicelo solwazi zebhanki malunga yokukhululwa kwakhe, ngokunjalo ukwenza umyinge wakho. Kulo kwaziswa kuxhomekeke kwisigqibo ngakumbi ebhankini eboleka mboleki enokubakho.

indlela bank nganye kwimbali ngetyala yahlukile: kuthatyathwe ulwazi kwiminyaka emibini edlulileyo, enye iminyaka emihlanu.

Singathanda ukukhankanya umsebenzisi ngetyala ngaphandle imibuzo kwimivuzo. Imali-mboleko enjalo asezantsi kakhulu kunokuba kunye nemibuzo kunye namazinga - aphezulu kakhulu. Ngoko ke, ukuba usebenzisa i mboleko kucetyiswa kuphela kwiimeko kakhulu.

Amanqaku ukuqwalasela kubaboleki ezinokwenzeka

• Phambi kokuba uthathe imali-mboleko, kufuneka ucinge kakuhle kakhulu eli xesha. Ngokungeyomfuneko akuyomfuneko ukuba uwuthabathe.
• Nikelani ingqalelo koko intlawulo ekhululekile-mboleko, nto leyo ayidluli-25% yomvuzo wakho net. Kulo mzekelo, lo mboleki iya kuba imali ezamahala, ufuna ezinye iinjongo.
• Musa ukuthatha ngetyala "kwi amehlo", ekubeni utshintsho umvuzo wenu iya kukhokelela nobunjubaqa kwi-mboleko.
• Gcina imbali yakho yamatyala ubuliliso, kuba awusoze uyazi yintoni na kwenzeka ebomini, ngoko ukuthatha unonophelo elizayo.