Isavenge yahlukile kwi-mboleko kwaye yintoni na ngakumbi?

sonke sifuna ukuphila kamnandi. Car, indawo yokuhlala, izixhobo zale mihla, ifowuni kusefashonini - Umnqweno uninzi lwabantu abaqhelekileyo. Loo nto nje yonke loo nto unayo imali yokuthenga ubusuku. Ngoko ke, abantu babhenele kwiinkonzo ezifana yesavenge kunye ngetyala. Umahluko phakathi kwabo ayaziwa bonke.

Isavenge yahlukile-mboleko?

Mboleko unako ukuphucula umgangatho wobomi kwaye kube mnandi ngakumbi yaye bekhululekile. Zinceda ngayo ezahlukahlukeneyo iimeko. Iikhredithi ukuze zorhwebo, abathengi kunye mboleko zemoto. Njengoko kubaboleki unako ukukhonza abantu zomthetho ngokwasemzimbeni. I-mboleko zingafumaneka njengoko ebhankini, kwaye kwindawo yentengiso ukuthengwa kweempahla. Kokuba ikhutshwe kwi inzala kunye nemihla ezahlukeneyo.

Isavenge yahlukile-mboleko? Umahluko ophambili kukuba izavenge kubakho intlawulo egqithisileyo iimpahla (iinkonzo). Kwaye uyifumana ibhanki akunakwenzeka, kuba oku kuyaphikisana ishishini ongundoqo kwiziko lamatyala.

Ukuba amanani kumaxwebhu ebhankini, oko kukuthi, isivumelwano intengiso waqukumbela inxaxheba bakhe, le mali-mboleko.

Isavenge yahlukile-mboleko? Amaninzi Izavenga kubonelelwe ukuthenga izixhobo zombane zasekhaya kunye nezithuthi. Ukongeza, izavenge ngokungafaniyo yemali-mboleko baxhase amagama. Ngokuqhelekileyo le nkonzo inikezelwa ixesha elifutshane - ukususela kwiinyanga ezi-3 ukuya ku-12. Ayifane iminyaka emibini. Intlawulo zentengo yemboleko umboleki isasazwe ngaphezu kweminyaka 3-5.

Apho ungahlela isavenge?

Advertising, umnikelo ukuthenga izinto ngetyala, kuxhaphakile kakhulu kwi TV screen nezibhengezo esitratweni. Yintoni umahluko phakathi ngezavenge imali-mboleko?

Kukho iinguqulelo ezimbini ngezavenge. Lokuqala - xa inkonzo a ngetyala. Kulo mzekelo, i Imvumelwano yokuthenga iimpahla kanye kwindawo yentengiso kunye nesivumelwano semali-mboleko esayinwe ebhankini. Kulo mzekelo, umthengisi ufumana imali ebhankini, umthengi ufumana impahla isibophelelo ahlawule ityala kwisithuba ixesha elimiselweyo, ukwenza isixa esithile ngenyanga nganye. Enyanisweni, izavenge kunye mboleko - into efanayo. Umahluko kukuba, phantsi ukuthenga umvuzo, wena musa overpay ukuba iimpahla. Kwaye ngoko ke nanku umbuzo: "Xa kusenziwa intlawulo ngezavenge isivumelwano sentengo yemboleko, leyo iqulathe umyinge wenzala. Intlawulo yenyanga kubandakanywa inzala yokusetyenziswa ngetyala njani na ukuba umthengi akuthethi overpay ukuba iimpahla.?" Ukuze iklayenti ukunika "0% APR" umbutho yorhwebo yenza isaphulelo imveliso kunye yebhanki inzala yabo isaphulelo kunye nemimoya. Oko kukuthi, zonke iindleko ehlawulwa mbutho yorhwebo. Ngoko, kwenzeka ukuba baphupha a ukuthengwa umthengi ngaphandle ezigqithisileyo.

Le ukhetho yesibini - xa isavenge unika ivenkile ngokwayo. Olu isavenge "oyinyaniso", apho isivumelwano nabathengisi ngqo, ngaphandle abalamleli. Inzala, iimali ezongezelelweyo kunye iikhomishoni kolu hlobo yokubala unganikezelwanga.

Inye kuphela apho kuya kufuneka ukuba ahlawule - kungenxa iimviwo kweefom zokwenza izicelo kunye nokubhaliswa onke amaxwebhu ayimfuneko. Indleko yale nkonzo iivenkile Balwakha, kwaye ngokuqhelekileyo zibandakanya imali iyonke ngezavenge.

Umahluko nyakamali ka-mboleko xa uthenga imveliso - yinto ubudlelwane esemthethweni. Imvumelwano ukuthengiswa kufuneka sibhalwe kunye nomthengisi. Yaye nayiphi na amabango kuya kufuneka ukuba isicelo kuyo.

Imali elingana nexabiso lempahla ziya kuhlawulwa ngokweentlawulo zenyanga ngokulinganayo. Amaninzi, kulo mzekelo, inikeza ezininzi sedipozithi yokuqala (ngokuqhelekileyo hayi ngaphantsi kwe-30%).

Ngubani na amalungiselelo ngezavenge?

Kwimigangatho eyahlukeneyo yimilinganiselo ezahlukeneyo kubo ukuba bazimisele ukukhupha imali mboleko. Xa ukwenza ulwazi oluchanekileyo ngakumbi kufuneka kufunyanwe abasebenzi yebhanki leyo. Ndithetha jikelele, umntu kufuneka abe umsebenzi, ubudala ngabemi i-Russian Federation ukusuka kwiminyaka eli-18 ukuya kuma-65.

Kubalulekile ukuqaphela ukuba uninzi iibhanki musa angene kwisivumelwano semali-mboleko kunye nabantu abahlala kwimimandla apho kungekho amasebe kunye isebe. Ukongeza, abemi uyilo izavenge ze-Chechen Republic, kwiRiphabliki of Dagestan, North Ossetia kunye nezinye nakwiiriphabliki lasemzantsi kunokwenzeka kuphela kwingingqi ahlala kuyo.

Ngawaphi amaxwebhu afunekayo ukuze ubhaliso lezavenge?

Uluhlu amaxwebhu afunekayo ukuze ubhaliso ngezavenge, ngeendlela ezininzi kuxhomekeke apho iyenziwa. Xa uthenga impahla mall ngokusebenzisa ligosa mboleko, ngoko ke ubhaliso liya kuba yokundwendwela oluyimfuneko uxwebhu yesibini ezingqina iinkcukacha nobume bakho, ukukhetha ukusuka (SNILS, ilayisenisi yokuqhuba okanye ID umkhosi).

Ukuba ngemvumelwano ngqo phakathi ngumthengi kunye nomthengisi, kule meko kufuneka ukuba ipasipoti isivumelwano sentengiso. Kuya kufuneka zicaciswe kunye nemiqathango kuthenga: intlawulo yokuqala, kwikota kunye nemali kweentlawulo ngenyanga. Maxa wambi kufuneka ingxelo yengeniso okanye isiqinisekiso amaqela esithathu.

iimpawu ingu

Isavenge yahlukile-mboleko? Ukuthengwa ngezavenge inokuba yiyo nayiphi into: njengoko zombane zasekhaya, ifenitshala, oboya, nezacholo, kunye window zeplastiki. Kodwa ke uninzi imibutho zorhwebo ukubeka imida ethile ngesicwangciso izavenge. Iivenkile benze izinto, nto leyo kangangexesha elithile kunokwenzeka ukuthenga zonke iimpahla okanye naziphi na iimpahla udidi kuphela "mboleko kwi-0% APR." Ngoko ke, inkoliso izavenge - yinto icebo nje ukuthengisa ukunyusa ubungakanani yezithuthi ngokundwendwela i iplagi.

Kukuphi na okulunge ngakumbi:-mboleko okanye isavenge?

Ulungiselela ukukhupha ityala, kufuneka kuhlolwe kakuhle izakhono zabo nkonzo zombini ezilungileyo nezingalunganga.

Ke kaloku, malunga iingenelo. Imvume okukhawulezayo, kungekho iimfuno engqongqo ukuya amaxwebhu enikiweyo. Xa uthenga kwi isicwangciso izavenge ayikho egqithisileyo.

Ukuba sithethe ngayo iintsilelo, kuba:

• Mfutshane ngezimali elide.
• Yobukhulu enkulu iintlawulo zenyanga.

Ngoko ke, impendulo elula umbuzo apho kubhetele:-mboleko okanye isavenge akwenzeki. Yonke into ixhomekeke izakhono zakho zemali.

Yintoni Kufuneka Ndiye ndikhangele xa bethenga izinto ngetyala?

Ithuba lokuba kuthengwe iimpahla ngezavenge emehlweni abaninzi. Ngoko ke, ukuba ukuhlola konke ngokwaneleyo kwenzeka ntoni kwezo ndawo bakuzo. Akufunekanga nangoko sukela kulo maelstrom zentloko yakhe, kufuneka ukuba sikhe siyijonge at indawo. Mhlawumbi ixabiso iimpahla kwivenkile ukuba inikela le nkonzo zabaxwa kakhulu. Kufuneka sihlole izindululo ezo kwezinye kwiivenkile kwaye uthelekise ukuba iindleko iimpahla ecetywayo ngezavenge.