Nalapho unokufumana i imali ngoku, okanye ukuba njani na imeko enzima zemali

Abantu abaninzi baye ubuncinane kanye ebomini babo iingxaki zemali. Kubonakala ukuba kungekudala umvuzo rhoqo, kodwa okwangoku akukho mali. Kufuneka wenze ntoni nalapho unokufumana i imali ngoku? Iimpendulo zale mibuzo zingafumaneka kweli nqaku.

Apho ukuze ufumane imali ngoku: ngendlela ethembekileyo

Eyona ndlela ibhetele ukusombulula le ngxaki - ke pre-libekele bucala ethile imali ukusebenzisa kubo nemeko enzima. Kaloku namanzi amancinane kunyaka ukuze abe elungileyo ababetheki kakhulu ukuba imali yentsapho. Akukho bantu umqondiso azi bacetyiswa ukuba ubeka ukuya kwi-10% omvuzo nyanga nganye ibe yibhanki kwiSabi. Ngenxa yoko, kwibhanki loo kwiSabi a akakwazi Ungakhathazeki malunga umbuzo nalapho unokufumana i imali ngoku. Le ndlela ivumela ukuba akusoloko uziva nemali, kuba iimeko ezingalindelekanga zisenokuvela nanini na ixesha.

Nceda abahlobo nezalamane

Noko ke, asingabo bonke abantu ithuba ukubekela bucala nkqu ngemali encinane, yaye ezinye nje abanalo self-discipline. Ngoko, bakuba wavuka imeko enzima zemali, ungasebenzisa le ndlela ilandelayo. Ngokuqinisekileyo sonke abahlobo, bungqinelwa kule minyaka ukuba bayeke kwiimeko ezinzima. Emva koko sinokumbongoza kubo isicelo ukuboleka imali. Ukuba aba bahlobo akunjalo, uyakwazi ukucela uncedo nezalamane zabo. Oko uyazibuza apho ukuze ufumane imali khona ngoku, u nga titwa va ntshunxekile ku tsalela izalamane nabahlobo bakho, nako ukunceda phandle ngalo mzuzu. Ngokuqhelekileyo, kufuneka ibe lixesha ukubuyisela isixa esifunekayo, kwangaxeshanye bebulela isipho encinane inkonzo. Kunokuba nkqu itshokolethi, kodwa nanku umqondiso ebaluleke ngakumbi nombulelo, kuba kwixa elizayo inokuba kwakhona kufuna uncedo lwemali evela kubahlobo, abahlobo okanye izalamane.

Indlela ukuba ahlawule ityala kunye kwiziko yezimali

Ngamanye amaxesha akukho umnqweno okanye ithuba lokuba isicelo uncedo lwemali evela kubahlobo nezalamane. Kulo mzekelo, yindlela esebenza kakhulu kule meko kuba imali-mboleko ebhankini okanye kwiziko lamatyala. Eyona inomtsalane kakhulu kule meko ibhanki. Apha uyakwazi ukuthatha imali kangangexesha elithile ngamaxabiso aphantsi umdla kunokuba imibutho micro-credit. Noko ke, amaziko zebhanki kufuneka ethile - ingqalelo elide kakhulu isicelo. Umntu ufuna, apho ukuze ufumane imali ngoku, akukho xesha ukuqwalasela isicelo ngeveki, kunye iiveki maxa wambi eziliqela. Ngoko ke kusebenza kwamanye amaziko ngetyala apho isicelo ngokutsha phakathi kwemizuzu embalwa, maxa wambi iiyure.

Ukuba igama lakho credit yonakaliswa

Lidla kukho kubaboleki abanganyanisekanga owangena imeko ezimbi zemali, ekhangela apho ukuthatha imali ngoku kunye nembali elibi kwicala lamatyala. Apha ukunceda nako kuza microfinance umbutho ungafumana uzuko ngenxa unyaka ukuya komnye. Ukuze ufumane mboleko imali nje ngokwaneleyo ukuze ubonise incwadana yokundwendwela ze ugcwalise isicelo ngaphambili. abaphathi MFI awukhangeli imbali ngetyala lwabathengi zabo, ukuze kulo mzekelo, ukuba ibhanki wala ndiboleke umba, ungenza isicelo ngokukhuselekileyo kweli ziko lamatyala. Nangona kunjalo, qaphela ukuba inzala kwimali-mboleko iza kuba ngaphezulu kakhulu kunokuba iibhanki, ngoko kungcono ukuba lingaboleka imali kuba lifuna ixesha elifutshane.

Lombard - nandlela esiqinisekisiweyo

Ndingabi nawo nomnqweno isicelo kumaziko zemali. Oku kunokuba ezahlukeneyo yezizathu ezifana yokusilela ingeniso ngcembe, ubukho-mboleko okanye ezinye ezibalaseleyo, izivimbela ukuba ungene ematyaleni. Indlela yokuphuma kule meko ube pawnshop eqhelekileyo. Xa ngumba, nalapho unokufumana i imali ngoku, yi nga ku pfuna lukhulu. Ezinye izinto ezixabisekileyo, unako kugqitha ku evenkileni nenkomo. Kulo mzekelo, ungenza Ungakhathazeki malunga umdla ezikhulayo, kodwa ke kuphela ukuba ngaba akusayi kufuneka loo nto. Ukuba inxalenye jewel akafuni, ngoko kuya kuba lula ukuba kuthengwe kwakhona, xa kuya kuba imali mahala apho. Kufuneka kukhunjulwe ukuba ixabiso ngummeli wowona iya kuba ukukhula suku ngalunye.

ikhadi lamatyala

Enye nemethodi evunyiweyo evumela ukuba bafumane isixa kuyimfuneko naphi na kwihlabathi, i ikhadi lamatyala. Ngalo uyakwazi ukufumana impendulo yombuzo apho ukuthatha imali kanye ngoku eSt Petersburg okanye kwezinye isixeko nangaliphi na ixesha. Yinto yanele nje ukuya ATM ekufutshane ndirhoxise imali efunekayo mali. Le ndlela Kulula kakhulu kuba kuvumela ukuba ufumane ityala elincinane nangaliphi na ixesha. Kuyinto elula ukuhlawula nge-credit card evenkileni xa awunayo imali ngokwaneleyo.

Ke ukuba umboleki enokubakho sele ikhona ngetyala, iphelelwe lixesha? Indlela ukuba kule meko, yaye nalapho unokufumana i imali ngoku eSt Petersburg ebusweni nobunjubaqa? Kulo mzekelo, uncedo angeza abantu ezingekhoyo amaziko ezemali, kwaye uboleka imali eyimfuneko imali. Ngamanye amaxesha imali iyafuneka ukuze ahlawule elo mboleko omdala, ukuthintela ukulibaziseka kunye nezohlwayo. Ngoko ke, iindlela ngentla ukufumana imali ngokukhawuleza ematyaleni, ungakhetha i zifanelekileyo. Kulo mzekelo, kubalulekile ukuba sihlale sikhumbula ukuba imali kungcono ukuthatha mboleko kanye loo mali elivumelana ubuchule bakho, kwakunye ukuba babhalise ixesha, ukuze sibe nako ukufumana ixesha ukugcina up sum kuyimfuneko. Kufana ukuze ukwazi ukungena kwimeko-mali omtsha ezingemnandi.