Mboleko ukuba ayihlawule loo mali kunye nenye ibhanki - Ingaba umdlalo kukufanele khandlela?

Xa solvency umthengi kaThixo zinokuchaphazeleka imiba eyahlukeneyo. Iiplastiki: ukutshintsha umsebenzi, ukugula, ukufuduka, nkqu nobuvila kakhulu zesiqhelo. Abaninzi kubo shwaka emva kokuba isibini kweentlawulo isohlwayo, kodwa eminye akukho lula ukuba sidlule. Kulo mzekelo, kuya kufuneka ukuba uthathe imali-mboleko ukuyibuyisa le mali kunye nenye ibhanki.

Ukuba uqwalasela ngenyameko nkqubo yamaziko zemali ngokunxulumene mboleko, oko kuchazwe kakuhle ukuba sisoloko sikulungele ukuya kwi minyinyiva kakhulu yanika nokuvuleka ngokupheleleyo kwi inxalenye mboleki. Ngoko kwenzeka ngenxa yothando ngemali kubantu, kodwa ngenxa yokuba nomdla wabo. Ngapha koko, naziphi na iimali-mboleko ingxaki iba njalo emva ukuhlukunyezwa yokuqala lolawulo yembuyekezo kunye kufuna ulwabiwo inani elikhulu mali bucala, nto leyo echaphazela ngqo inqanaba ingeniso iziko lemali. Ukuba ngaba uthathe imali-mboleko ukuyibuyisa le mali kunye nenye ibhanki, wakwazi ukuhamba ukuya embi. Kule meko kuyimfuneko kukutsala kubaqokeleli ze ukuhlawulela iinkonzo zabo.

Indlela ukuhlela iholide

Kuqala kwinto zonke, umboleki kufuneka bazazi ukuba imalunga ukuqala iingxaki iintlawulo. Ukuhlola inqanaba labo, yena angenza isicelo ebhankeni uncedo iiveki ezimbalwa phambi kokuba uhlaselo ngamaxesha anzima. Ukuba kufuneka kubekho ixesha elaneleyo ukufumana izisombululo le ngxaki. Bonus zafakwa kulo mzekelo kuya kubakho mfuneko ukuhlawula iintlawulo iintlawulo engahlawulwanga okanye ukwanda amazinga kuba waphula omnye amanqaku isivumelwano semali-mboleko. Ukuhlawula imali-mboleko ye kwenye ibhanki ngoncedo lwe-mboleko entsha iza ukusombulula iingxaki ezisisiseko umxhasi, kodwa uxolelo inkqubo inkonzo iinyanga ezimbalwa - ngokupheleleyo. Ngokuqhelekileyo, ibhanki inika ithuba ukungahlawuli umzimba mboleko kangangexesha elithile kwimeko ukutshintsha indawo yomsebenzi umnikimali nomamkelimali. An into umdla kukuba iibhanki abaninzi sesiqale ukuquka olu khetho kwimvumelwano yayo mortgage eqhelekileyo.

Kwiimeko kakhulu, ibhanki inganikeza abathengi ayo elizayo epheleleyo iintlawulo zenziwe. Kulo mzekelo, kufuneka ukuba nikhawuleze uthathe imali-mboleko ukuyibuyisa le mali kunye nenye ibhanki. Mhlawumbi, kulungiselelo lwe data ezibanzi kwi imeko yemali iqumrhu mboleki iza kunika ithuba leenyanga ezi-3 akumenzi iintlawulo ngaphandle naziphi na izohlwayo.

mboleko

Namhlanje sibona iintengiso yonke umpoposho lombutho "Tinkoff Bank". Ukubuyisela kwezinye mboleko ngeendleko imali yabo amelwe ithuba elihle lokuba abantu. Nangona kunjalo, oku oluchanekileyo ngokupheleleyo. Ukusombulula iingxaki mboleko angafanele ukungenisa mboleko kwiziko lemali enye ukuyibuyisa le mali kunye nenye ibhanki. Indlela efanelekileyo kule meko iya kuba ngokwenza imali-mboleko entsha kunye neemeko ezingcono kunye ubomi obude. Ngaphandle ukuba inxalenye enkulu yemali-mboleko sele lubuyiswe, ibhanki iya kukuvuyela kumkhawulela umxhasi wakhe. Ngenxa yokuba kule meko uya kufumana imali ngakumbi ingxaki yokuqesha abaqokeleli kunye isibheno enkundleni ukuze afumane ubunini yenjongosenzi isibambiso zisindise.