Apho ukufumana imali-mboleko kunye nembali embi ngetyala ngaphandle reference?

Kuthekani ukuba kukho imfuneko engxamisekileyo imali, kwaye musa kwaye kulindeleke? Ukuboleka izalamane nabahlobo - okunye okuhle, kodwa ke ngeke ibe arhente simahla kwi mzuzu okanye imali efunekayo. Kwaye kukho intetho ethi: "Ukuba ufuna ukufumana ubambo lwe utshaba - mboleko kwezinye imali." Ngoku kakhulu ukuphila le mfundiso. Ngapha koko, mna andifuni kuphulukana abantu bomthonyama kwi evu- Mercantile. Yaye ukuba uye ngandlel 'ithile ndawo. Ngaphandle imali ngoku ndawo. Xa kunjalo, iibhanki zinika mboleko ebantwini. Nangona kunjalo, apho uthathe alusoloko lusebenza. Umvuzo lincinane, lo iminyaka ephosakeleyo, imbali mboleko ezimbi. Ngoko ke, nalapho unokufumana mboleko kunye nembali embi ngetyala?

Yintoni i credit

Kufuneka ethile imali, kakuhle, okanye hayi ngoko nangoko, kodwa nangoku luyimfuneko. Kufuneka nayiphi na into, okanye imali nje. Kunye namaziko ezemali, ezizezi, iibhanki, ukulungele ukuba asinike imali isibophelelo ukuba abuyele aze ahlawule eyongezelelweyo ukusetyenziswa ipesenti ethile. Leyo credit. A isixa esikhulu akusoloko kusenzeka ukusindisa, kubutha, thabatha, kodwa ukusizalisa, nkqu nenzala, kodwa ngokuthe ngcembe, ku iinxenye ezincinane, kulula kakhulu. Uyacinga kakhulu abantu, ingabi kuphela eRashiya kodwa ehlabathini lonke. E Melika, mboleko ezinjalo - ngowona mba kakhulu ezibuhlungu. Abantu ngetyala athenge yonk 'into, yaye ngamanye amaxesha kunye amatyala abo ibalwa isizukulwana esilandelayo: abantwana kunye nabazukulwana. Senza izinto ngokwahlukileyo kancinci, kodwa ikhono ukusebenzisa isixa esikhulu khona ngoku, ngaphandle kokulinda ukuba amaxesha Kwinkokheli ZakwaLizwi, ehendwa ngabantu abaninzi. Oku kukhokelela yokutsiba lezavenge, kunye yonke imiphumo. A mboleko kunye nembali embi ngetyala kunye engahlawulwanga uya kukhupha kwakhona zonke ebhankini. Kwaye apha iingxaki ziqala ... Kwaye ke nanku umbuzo: "? Phi na ukufumana imali-mboleko kunye nembali embi"

Loans ebomini bethu

iimeko Life zahluke ngokupheleleyo. Abanye abantu ukungena ukutshona ematyaleni ngu naivety, ezinye nje musani ukucinga ngemiphumo, ngoxa abanye basebenzisa loo mboleko wachacha ngobulumko ethabathela uhlobo imali iinzuzo ezininzi. Yonke into ixhomekeke kwezi meko efanayo kunye nesakhiwo kwindlela yokucinga yabantu. Umzekelo, ifowuni kakhulu nendlela ungakwazi ukulinda, ukuba imali yentsapho ayikho ilungele uvavanyo enjalo, kodwa imisebenzi, uqeqesho, izindlu eyahlukileyo iintsapho abatsha okanye utyalo-mali kwishishini - sisizathu esilungileyo ukuthatha imali abanye abantu. Abanye abantu sithatha-mboleko ukuba kukunyaba phambili kwezolonwabo ezingeyomfuneko ngokupheleleyo izinto, ezilungele ingongoma ebalulekileyo, xa ngokwenene kufuneka imali ebolekiweyo, kwaye wala. Kwakhona ke abangenele lo mbuzo: "? Ndingalufumana phi mboleko kunye nembali embi credit"

iintlobo mboleko

Ukulungiselela iinjongo ezahlukeneyo kukho iintlobo ngeentlobo mboleko. Kunye nolwazi lobuchule kunye nokusetyenziswa kwezi izixhobo zemali banokuba nempembelelo entle imeko yemali. Ngoko ke, umboleki ilungiselelwe ukuthenga izixhobo zombane zasekhaya, ifenitshala, izinto ekhaya. Yena ke amazinga enzala asezantsi kunokuba mboleko imali. Bona ekhutshwe izinto ibheyile Wothenga. mboleko Imali - ezahlukeneyo kancinane. Apha umboleki iyagqiba ukuba loluphi sisisebenzise, kwaye ayithethi nto ebhankini. amakhadi Credit zibe lula kwakunye nemali, kunjalo, yaye ikhomishini kuwo kakhulu, kwaye izikhonkwane ziphezulu. Yiba mortgage - ukuthenga indlu, kukho izinto ezizodwa ishishini ukwandisa umbutho walo, izixhobo ukuthenga, njalo-njalo. Kukho mboleko auto kunye BEE. Kukho mboleko okwenziwa impahla. Bonke bephela zenzelwe iinjongo ezahlukileyo ifuna amaxwebhu ezahlukeneyo, kodwa inkcazelo ngazo, kunye neentlawulo phezu kwazo ziya kufumaneka kuwo onke amaziko ezemali kwixesha elizayo. Ngoko ke, ukuze ukuba yentloko ayingeyali intloko yakhe, nalapho unokufumana mboleko kunye nembali elibi kwicala lamatyala, kufuneka ukubala esisiso imikhosi nokwenza iintlawulo zenyanga kwangethuba.

Ibhanki umisela kangakanani ukuba

Xa uye kwiziko yemali-mboleko, unika ibhanki ezahlukeneyo data bazithembile, umsebenzi kunye umvuzo wabo, usapho lwakho kunye nemeko yezemali. Apha nenkangeleko ludlala indima, kunye nesalathisi injongo apho esi sixa sithathwa. idatha ebaluleke kakhulu mboleko elidlulileyo. Ukuba ngaba awunayo ngetyala, kungenzeka, kunye nawo uthatha i-inshorensi. Konke oku ukuze inshorensi nxamnye ilahleko yemali ebhankini ngokwayo, hayi client. Ngenxa yoko, ngenxa yoko kufuneka ukuba uhlawule inzala ephezulu kunokuba bekucingwa. Inshorensi iya kukhupha kwaye mzekelo, ukuba ube isisihla engephi kwimbali. abathengi rhoqo ukwenza ibhonasi kunye nezaphulelo. Umzekelo, ukuba une ikhadi mvuzo yenye yeebhanki; mhlawumbi, emva kweminyaka embalwa nkonzo ibonelela ikhadi encinane lokuthenga ngetyala bathobe inzala. Ukuba nezimali ingekabinazo ngokwaneleyo ukuhlawula onke amatyala wakho, ukuze ndiwaphule intloko yakho ndicinga apho ukufumana imali-mboleko kunye nembali embi, ungenza wenze refinance. Le nkonzo kananjalo zimelwe ngeendlela ezahlukahlukeneyo. Okokuqala, mboleko kungenziwa enye imali-mboleko ukunciphisa intlawulo yenyanga. Okwesibini, unako ukudibanisa zonke iimali-mboleko yakho kwenye wenze ishedyuli yentlawulo lula kakhulu ngoncedo imveliso ekhethekileyo yebhanki. Oku kubhetele ukuba bakhangele, apho ukufumana imali-mboleko kunye nembali kakhulu.

Amaxwebhu eziya kufunwa semali-mboleko

Uxwebhu lokuqala lisetyenziselwa nanini na yaye naphi na. Oku yakho yokundwendwela. Uya kufuneka kunjalo yokubalisa ubuntu bakho. Uxwebhu yesibini uyaqinisekisa ukuba kanye le nto uyifunayo. Inokuba mvume zokuqhuba, SNILS, umgaqo, VAT, njl Okwesithathu, kuya kufuneka - .. Makuboniswe indawo yomsebenzi kunye yefowuni umsebenzi. Maxa wambi kuza kudingeka ingxelo yengeniso kuba kwiinyanga ezimbalwa ezidlulileyo. ulwazi olubalulekileyo ngokuba nababolekisi: idilesi yasekhaya kunye nenombolo yomnxeba, inombolo yomnxeba yoqhagamshelwano, mobile inani labazali okanye iqabane. Le iphakheji ephambili zamaxwebhu eziya kufuneka phantse onke amaziko ngetyala.

ulwazi olubalulekileyo malunga ne-mboleki

yebhanki nganye imisela ukuba inkcazelo malunga obolekayo nto ibalulekileyo. Oku kungaba ubudala. Umzekelo, abantu abangaphantsi 21 kweminyaka engama-50, inkoliso amaziko ezemali ayiyi kunika mboleko nkqu ibali elungileyo. Loan ngaphandle Ngokubhekiselele kwimbali elibi kwicala lamatyala - zonke kudidi yintsomi. Noko ke, kukho iintlangano, kulo mzekelo kunganceda. Weight ulwazi malunga ebusweni abantwana emtshatweni, kwakunye zoqhagamshelwano kwebala kunye nezalamane. imvume yokuhlala kulo mzekelo nayo ibalulekile. Ukuba umntu uhlala kude umzi apho ebhankini ekhethiweyo, amathuba akhe okufumana kuyo ziyancipha kakhulu. Lonke olu lwazi wangena ledatha. Ukusuka apho, ukuba saba shwaka. Kaloku, ubuncinane iminyaka emihlanu ezayo - kanye. Ke ukuba data ezingeniswe musa bakubize ngentembeko yi umboleki, ngoko musa ityala kum: mboleko imali kunye nembali embi ukuba ngokwaneleyo nzima, ukuba ngeke kwenzeke.

Yintoni libali embi

Amanye amaziko zemali zinika inkonzo ireferensi ngembali yawo. Uya kunikwa iprintawuthi, nto leyo iya kubonisa zonke iimali-mboleko yakho kwaye mboleko, imali yabo namaxesha, kwakunye bonke uzihlawule kwaphela emva kwexesha okanye hayi. Ukufikelela kwezi data zonke iibhanki kunye nemibutho inxaxheba noboleka kubemi. Nawuphi mzekelo, xa uthatha imali ngetyala, nâzo zolwazi ezizodwa sibonakale kuwo onke amanye amaziko efanayo. Ngoko ke iibhanki bazama ukuba bazikhusele ngabathengi musa kubazisa nzuzo kwaye mhlawumbi ucwangcise ilahleko yemali.

Wazi njani yembali yakho yamatyala

Ezinye iibhanki zinganika olu lwazi kuwe simahla, abanye baya kuthabatha ezinye uhlobo ikhomishini. Zonke ezi amabali ziqulethwe ebizwa ngokuba yi-credit bureau. Bona agcinwe kangangeminyaka eli-15 ukususela ingxelo yokugqibela. Ukuba bangenise uxwebhu lebhanki ofisi unelungelo kuphela kwemvume yakho, kanye njengokuba kakuhle, kwaye sifunde kunokuba idilesi yakho kuphela. Ngelo xesha, xa ugcwalisa isicelo ngetyala okanye basayine imvumelwano, wena ngokuzenzekelayo ukunika imvume. Funda i ikhowudi kwimbali yayo, ungenza kwisiza yebhanki engundoqo eRashiya, ngokunjalo ngokusebenzisa naliphi na iziko zemali, kwakube kungeniswe eluviweni nesazisi. Kanye ngonyaka, ibali ukhululekile. A ukusetyenziswa lwaqho le datha kuya kufuneka ukuba uhlawule.

Apho ukufumana imali-mboleko kunye nembali elibi kwicala lamatyala

Ukuba eli bali lakho sonakaliswa, kodwa hayi ezimbi ngokupheleleyo, iyavakala ukuya ukuba ibhanki ekufutshane. Kungenzeka ukuba ezi bengamabala kuba kubo ebaluleke kangaka. A mboleko kunye nembali embi ngetyala kunye usemva wena kwiimeko ezininzi ukufumana kwi ofisi microfinance. Kukho ngoku inani enkulu, ukuba phantse zonke yokumisa esixekweni. Noko ke, loo mboleko ziya lulungele kuphela xa uceba ukuthatha isixa sexesha elifutshane. Umzekelo, iintsuku ezimbalwa. Inzala mboleko kwezi imibutho enkulu. Ukuba ixesha elide akayi kubuya kuyo ekupheleni iya kuba sum of izihlandlo ezithathu lokuqala, yaye kwimeko engcono. Ezinye iibhanki baye iinkqubo ezizodwa iinkonzo ezinjalo. Umzekelo, "Renaissance", "Citibank", "Vebbankir", "SMSfinans". Kwanaxa Savings Bank inkqubo enjalo, kodwa uxwebhu kuya kufuna okuninzi kwabasebenzi. Apho ukufumana imali-mboleko kunye fast bali embi? Kukho inkonzo yenyani "Finguru". Kukho omnye nkqubo ngokupheleleyo. Uya kunikwa iibhanki credit musa, kunye nabantu mna ndiyibekileyo imali yabo mahala (ukwenza) kule nkonzo. Ingqalelo zonke ezi zicelo thatha umlinganiselo ngenye imini.

lweMelika kunokwenzeka

Xa elandelayo ezingezo-lokuhlawula ityala okanye sakubambezela ngakumbi mandundu imeko yabo. Ukuba mboleko umboleki, ibhanki ilungelo lokuthatha kwisifundo athe athathwa. Emva kwentlanganiso, inkundla kunye okusisiphumo se-ukubuyiswa oyibolekileyo kufuneka ukuhlawula amatyala ayo. Kungenjalo, unako ngokusemthethweni ukuchaza propati.