Indlela ukufumana imali-mboleko mali engama-20?

Uninzi yeebhanki kwilizwe lethu elikhulu zibonelela ngeenkonzo lokukhupha mboleko yemali. Kulo mzekelo, abaxhasi kufuneka ihlangane iimeko ezithile. Ngokuqhelekileyo, ezi zezi: Amava ngomsebenzi ngaphantsi konyaka, ubungqina bokuzazisa (umz yokundwendwela), imivuzo elungileyo, yaye nendima ebalulekileyo edlalwa ubudala yomboleki.

Ngaba kunzima ukufumana phezulu mboleko ukuya kwiminyaka-21?

Kwimeko apho umboleki ufuna ukufumana imali-mboleko yemali (ukusuka kwiminyaka engama-20 ubudala), kuye iya kuba inkqubo nzima kakhulu. Banks, lacazulula imeko kweli lizwe, kwaye Kwagqitywa ukuba abantu abaselula abaneminyaka ukuya kwiminyaka-21, ubukhulu becala abantu, abe phantsi amandla okuhlawula amatyala, ngaloo ndlela zisiba imbali yabo yekhredithi.

Yintoni ekufuneka ukufumana imali-mboleko?

Wadla ebhankini Uyenze umfana ukufumana imali-mboleko imali ukuya kwiminyaka-20, bekuya kuba kunqweneleka ukuba ubuncinane imoto yakho, indawo yokuhlala okanye enye ipropati leyo kusala njengediphozithi. Kwimeko ukuba imiqathango yesivumelwano akayi kubulawa okanye uya kuba, kodwa engafanelekanga, impahla mortgaged siya kuthengiswa kwifandesi ngenjongo ezikhoyo kwisiseko sengqesho ezifumana unyusa umva ebilahlekile.

Ingaba isibambiso efunekayo?

Ukongezelela impahla yakhe, kubaluleke kakhulu ukuba imali mboleko sele sivunyiwe ukususela kwiminyaka engama-20, kuye kwatsala sinzima. Kwiimeko ezinjalo, ibhanki phantse usoloko ekulungele ukuba zivunywe, kungakhathaliseki ubudala yomboleki.

Kutheni amantombazana kusenokwenzeka ogunyazisa ulwabiwo-mboleko?

Amantombazana ukufumana imali-mboleko imali ukuya kwiminyaka-20, kulula kakhulu, kunye neebhanki iingxelo ezinjalo zamkelwe lula ngakumbi. Isizathu soku usendleleni yokuba nevoennoobyazannye, kwaye uneengxaki kuzo zinqabile kakhulu.

Nokulawula ubudlelwane ze ebhankini kunye obolekayo

inkqubo yogcino eRashiya yenza imisebenzi yayo ngokuthobela ngokupheleleyo kunye nemithetho esebenzayo, kodwa, ngelishwa, oko imigangatho akukabikho kakuhle oluyilwe, nto leyo evumela kubaboleki abanganyanisekanga ukufumana eziziimpazamo ezikhoyo kwaye ukubuyekeza-mboleko. Imisebenzi yeebhanki ngayo abathengi ucishe azilawulwa. Le nezikhewu imithetho zethu zihlahlelwe ziibhanki, ukuba azimisele imithetho yabo nemigangatho corporate ebhalwe kwi siseko kunye nezenzo amaziko asekuhlaleni.

njani isicelo?

Ukuze ufumane imali-mboleko imali ukuya kwiminyaka-20, ngokuyimfuneko ukuza ebhankini, kuba oko uyakwazi ugcwalise nje phandle isicelo esikhethekileyo, uhlobo ophezu indawo esemthethweni. Kuya kuxoxwa yi noonogada, ngubani na oya ukuhlalutya creditworthiness yakho nobuchule intlawulo. Emva koko, le ikhadi lamatyala umsebenzi kuya kufuneka ukuba uqhagamshelane ngqo ibe iinkonzo kunye nengxelo ukuvunywa okanye ukwaliwa ibhanki ukukunika imali mboleko.

Na ukuba ndiyiphathe imali-mboleko?

Kuyenzeka ukuba kufuneka ngokwenene mboleko imali. iminyaka 20 - kwiminyaka xa ayifihle kakhulu kunzima. Kufuneka kunye nempahla, kwaye namaxwebhu ukuxhasa yokuhlawula amatyala kunye nto ibalulekileyo - kufuneka ufumane nakumqinisekisi. Kodwa ukuba ugqiba ukuba ulwe ekupheleni, ukuvunywa mboleko iza kuba wena umvuzo entle. Ngoko ke ihlala kuphela sininqwenelela ithamsanqa. Yiya for it!