Esalele ngetyala: ntoni? ulungiselelo jikelele kunye tips

Xa iimeko amaziko zebhanki kozinzo kwezoqoqosho banyanzelwa ukuba ukunyamezela ilahleko enkulu ngenxa ikakhulu luhlaza kunye kubaboleki ukholo embi. Njengoko oku kunegalelo ukuvuselelwa ubuqhetseba beentengo zemboleko. Ukuze kubuyekezelwe imingcipheko yezemali uninzi imibutho credit ukucwangcisa izinga eliphezulu kakhulu inzala kwimali-mboleko kufuneka ukuba ahlawule loo kubaboleki yesazela.

Noko ke, iingcali ziye zagqiba ukuba inani labantu abathatha imali yetyala, kodwa babonisa ukungakhathali epheleleyo kumbandela lokubuya kwazo ngexesha elililo, akazange sehle.

Ubukhulu bale ngxaki

Enye indlela okanye omnye, kodwa umbuzo uthi: "Mna ulibaziseko kwi mboleko - ntoni?" Uba ezifanelekileyo, nokuba kukho ukulibaziseka ekwenzeni intlawulo usuku nje olunye.

Nangona kunjalo, ulwazi eziqulathwe kwimithombo emininzi ukuba xa umboleki iintsuku 2-3 emva kwexesha kwintlawulo, akukho nto iphosakeleyo ngaloo nto. Ekuqaleni, oku kunokuba uze wamkele. Kufuneka nje ukuba sms umyalezo isicelo ukuba ahlawule imali leyo yetyala, kwaye isiganeko ediniwe. Noko ke, akukho namnye siyakrazula ibhanki ilungelo lokubhena eligcina inkcazelo ngeentengo zemboleko, kwaye ukuba ufuna ukwenza isicelo semali-mboleko entsha, "impazamo" bakho umsebenzi yokuqala iya kubonakala kubo bonke amatyala. Kulo mzekelo, ngokwenene kufuneka kukucinga nzulu lo mbuzo: "Mna ulibaziseko kwi-mboleko. Ndimele ndenze ntoni? "

Kubalulekile ukukhumbula ukuba ngokukhawuleza uhlawula amatyala yakho ebhankini, kokukhona kakhulu iziphumo ziya kuba kuwe.

Umzekelo, ukuba ngaba sele isiqingatha sonyaka akuthethi ukuhlawula imali-mboleko, iziko zemali kungenzeka ukuba kungekudala ayeke ukunyaniseka kokuba uqale ukusebenzisa izixhobo zomthetho ngayo ngokwemeko eze ematyaleni kunye. Kulo mzekelo, cela lo mbuzo: "Mna ulibaziseko kwi mboleko - into omele uyenze" wayeza kuba kusemva kwexesha. Lo mba ulandelelwe nzima ukuba impahla yakho iya kubanjwa.

Imiphumo mali ukuhlawula kade

Ngoko ke, nokuba zisongele iingxaki semali-mboleko engahlawulwanga kwaye nomawukwenze kule meko? zinokuvela Ewe, UMboleki iingxaki, kwaye kwiimeko ezininzi yokuba ezikumila eziphathekayo.

Akayi kuphela ukuba ahlawule inzala ngemali-mboleko, kodwa inzala leyo yona intlawulo kwexesha. Njengenxenye amaziko zebhanki na ukuba zibanga mboleko zabathengi, izohlwayo kunokuba emba idlule imali ebolekiweyo.

Abo bakhathazekile ikakhulukazi ucingisise ngalo mbuzo: "Mna ulibaziseko kwi-mboleko. Ndimele ndenze ntoni? "Kufuneka baqonde ukuba into yokuba intlawulo ukuhlawula kade kunefuthe elibi kwimbali ngetyala. Kuthetha ntoni oku? Kuphela ukuba amathuba akho ukukhupha imali-mboleko entsha ngokumalunga neemeko kwimveliso uya kusondela zero. Kaloku, malunga inkqubo mortgage ukubolekisa ngokubanzi awukwazi uphuphe kule meko.

Kwakhona, lo mboleki liya kuzihlawula zonke iindleko neendleko ezinxulumene ingqalelo yebango ezemali yokuqokelelwa kwamatyala.

amaziko Banking badla athengise-arhente eqokelela amatyala abo abasebenzi basebenzisa nzima ngokwasengqondweni, imini nobusuku ukukhumbuza kubaboleki yezibophelelo imali. Kulo mzekelo, Kakade ke, umbuzo ngulo: "njani ukusombulula ityala kwi-mboleko. Kufuneka wenze ntoni? "Ngaba kubaluleke kakhulu.

Isakhiwo zemali ukulibaziseka azikho inzuzo

Ngokuqhelekileyo, naliphi na iziko yezimali akanamdla kokulibazisa, nkqu ngenjongo yokuphuhlisa ngokusebenzisa Ukuwiswa kwezohlwayo.

Le meko kukuba i-Bank of Russia yenza amabango, njengako apho iziko ngalinye ngetyala kufuneka abe zolondolozo ezinkulu zemali, xa sithetha malunga mboleko engahlawulwanga. Ukuba ukusilela imbopheleleko lemali uya kuzisa ilahleko yeziko yebhanki, kufuneka imbuyekezo kulo myezo. Kodwa ukuba umonakalo izinto ezinjalo ayikho, myezo - ukuba nje isixa-inshorensi, eseyiphantse akukho nzuzo. Kakade ke, amaziko zemali uzama ukwenza ubungakanani reserve encinanana kangangoko kunokwenzeka.

Khetha zokusombulula ingxaki

Ngoko ke, ukuba benze ntoni xa mboleko edlulileyo ngenxa? ulungiselelo jikelele kunye nengcebiso malunga oku inokushwankathelwa kwenye: zama ukwenza iintlawulo ngexesha hayi ukuya ukuzibaxa izinto. Ingakumbi siqwalasele ngenyameko isigqibo lifake isixa esikhulu. Hlalutya ukuba uyakwazi ukunika ityala elinjalo, ukuba angasuka uyagxothwa, wehlise umvuzo okanye ngesiquphe uyakhubazeka okwethutyana.

Ngelishwa, oku kudla ngokwenzeka, kuyimfuneko ukuba ukulungele ukutshata.

inkqubo mboleko

Ukuba une kwetyala kwi-mboleko, ukuba benze ntoni kulo mzekelo, wena ngokupheleleyo musa ukuba, eyona efanelekileyo - kukuba ukwenza mboleko.

Ngamanye amazwi, ukuba amalungiselelo-mboleko entsha kwi bathobe inzala yokuhlawula inqununu. Ngaloo ungenza ngokukhawuleza uphume ebukhobokeni zemali.

Uhlenga debt

Kakade ke, lo mbuzo: "Ndiya kuba mboleko mali ebesilindelwe, ningabuyiseli kwi mboleko - ntoni?" Kuba abaninzi baqonde. Njengoko kusenokuba kuhle ukuba uqhagamshelane kwiziko zemali kunye isicelo sokwakha ngokutsha, uze uzame ukuba ukuyicamagushela kuloo kwigunjana njengendlela eyenye yokusombulula le ngxaki. Ngaloo ndlela ungakwazi ukunciphisa ubungakanani kweentlawulo kunye, kwezinye iimeko, ukufumana ziphole. kwakhona ukuba kubalulekile ukuba mandundu imeko Sigxininisa, inxaxheba ukunxibelelana ngabaqeshwa ibhanki kwaye uphephe iinyanga nobunjubaqa.

Ukuze uhlawule ityala ngexesha

Ngaphezu koko, kufuneka ukhumbule ukuba xa unayo intlawulo emva kwexesha ubuncinane ngosuku olunye, uya kuhlawuliswa inzala. Ngaphezu koko, ukongeza kula, ibhanki ukuba bokusilela ukufezekisa imisebenzi yayo kunyanzeliswa kwitikiti yomboleki.

Njengoko sele kutshiwo ngentla apha, ukuba singaphezu iintsuku 2-3, ibhanki iya kukukhumbuza oku kusetyenziswa imiyalezo SMS. Ukuba ngoyaba oko, inyathelo elilandelayo zokusombulula ingxaki ukhetha umsebenzi ebhankini. Uya kubuza ukuba ukwenza kakuhle iimbopheleleko zabo zeentengo zemboleko, ukusongela ukuba izohlwayo xa ungenzi oko kubizwa kuwe.

Ngoko ke, ukuba kukho ukulibaziseka kule mboleko, ngokulibaziseka mboleko ebhankini. Kufuneka wenze ntoni kule meko, wena awunayo na ingcamango? Ukuba wenze intlawulo kwangethuba ngenxa yokugula okanye ukuhamba uhambo ishishini, bekuya kuba kangangoko ukwazisa abasebenzi yebhanki ngomhla ngqo xa intlawulo elandelayo.

Xa kunjalo, xa akanako ukuhlawula isixa setyala ngenxa maxongo imeko zemali, kungcono ukuba elinye utyelelo kwiziko zebhanki kunye ukuthethana kunye nabasebenzi malunga ukumiswa kwetyala okwethutyana okanye ngokutsha. Nangona kunjalo, ubume mali uyavuma ukuba wenze umnyinyiva, ukuba unobangela yokulibaziseka intlawulo iza kuba ezibalulekileyo: ukukhubazeka kwethutyana, ukugxothwa.

Ukuba mboleki iya kuba nje ulwalamano kunye ebhankini, owokugqibela unelungelo lokuthengisa loo kubaqokeleli bamatyala.

baziphendulele

Okugqibela Inqanaba zokusombulula iingxaki kunye kubaboleki abanganyanisekanga - eli isibheno kwiinkundla. Njengoko umthetho, izimangalo kwakhona amatyala yokugqibela ukususela kwiinyanga eziliqela ukuya kunyaka omnye. Ukuba ukusuka kwindawo yomthetho imbono isivumelwano semali-mboleko wabulawa ngokuchanekileyo, inkundla kusenokwenzeka ukuba kwicala lommangali, ummangalelwa kungekudala emva koko kuya kufuneka ukuba uhlawule ityala lebhanki. Noko ke, ekutshintsheni iziganeko kunokuba luncedo ukuba umboleki, kuba eligunya ukuze babhale ngaphandle isixa izohlwayo, nto enyanzela ummangalelwa ukuba abuyekeze kuphela isixa ityala.