Ndenza njani imbali yekhredithi for free?

Ukususela ngo-2005, enye ifayile credit wabonakala eRashiya. Ke umboleki-uyakwazi ukufumana indlela imbali ngetyala kwinkampani i-kubaboleki ezinokwenzeka. Le mibutho qokelela lonke ulwazi malunga abathengi ibhanki abaya kusetyenziswa iinkonzo ngetyala.

amaziko ezemali Ngenxa CHB bangazikhusela ukusuka umngcipheko olungagqibekanga nokubonelela mboleko kuphela kubathengi omthembileyo.

Wazi njani imbali credit ngokukhawuleza?

Nayiphi na ibhanki ngokwasemzimbeni okanye yesizwe sinokufunda mboleko ezakhutshwa ngaphambili. Kananjalo kufuneka banikwe ulwazi malunga nendlela uye wahlawula yonke imali, nokuba ityala waba. Kuyimfuneko ukuba luthathele ingqalelo ukuba umntu sazi kuphela dossier yayo.

Fumana ifayile yakho lamatyala ungakwazi kanye kuphela ngonyaka. Ukuba unyango-kwakhona kuya kufuneka ukuba uhlawule isixa esiqingqiweyo.

Ukuba umboleki uyazi ikhowudi yakhe yesazisi ukuba sabelwe ngayo ekuphelisweni isivumelwano sentengo yemboleko, unako ukufumana imbali credit kwi Internet. Ukuze wenze oku, yiya kwi website esemthethweni ye-Central Bank, kwi "Catalogue of Credit Iimbali" candelo. Kweli candelo, kufuneka ufake zakho iinkcukacha yokundwendwela kunye nekhowudi yedijithali ukufikelela ifayile. Le yindlela fastest kwaye elula aqhelane yembali yakho yamatyala.

Ndingalufumana phi imbali yekhredithi, ukuba akukho ikhowudi yofikelelo lobuqu?

Xa ingubani akwaziwa kuni, kufuneka uthumele ileta kubameli data kwaye utyikityo ye-Central Bank (ileta sampuli thaca kwi website esemthethweni ebhankini ngayo) kwaye yilindele impendulo. I-Central Bank iya kuthumela incwadi yempendulo, yona idilesi bureau, apho data yakho igcinwe.

Kodwa ngaba uyazi njani imbali yekhredithi, esazi nje ukuba idilesi BCH?

Ungaqhagamshelana i Bureau kule dilesi indawo. Kufuneka uqhagamshelane nabantu yokundwendwela. ufake isicelo esibhaliweyo kuyimfuneko ukufumana amabali. Kwimpendulo kwisicelo esibhaliweyo ulwazi ziya kunikwa ebudeni beveki.

Ukuba ucinga akukho xesha ulinde enzima yaye le ndlela yokufumana ulwazi, awukwazi ukuya ebhankini, osandula wakhanyela. Ngelo xesha isicelo semali-mboleko evela ebhankini kuyenzeka kusoloko ukubhala ingxelo apho bacela ukuba ukujonga kwifayile yakho. Ngoko ungafumana izihlandlo eziliqela ulwazi amatyala yayo simahla.

Kufuneka wenze ntoni ukuba ufumana impazamo?

Ngelishwa, iibhanki bavame iphutha. Oku kwenzeka kwiimeko ezininzi, ngenxa yokuba umsebenzi non-zokusebenza: umboleki sele ivaliwe zonke izibophelelo zayo, ibhanki akasinikanga idatha kwiziko lamatyala.

Ngokwesiqhelo, le ubolekayo luwele "uluhlu black" waphula imiqathango intlawulo. Kodwa xa izilungiso isikhundla sakhe, amtyhaphaza iintlawulo isisinyanzelo kuwo ngokupheleleyo, ibe ke nangoku kuluhlu umboleki embi. Lwazi aluluchaphazeli ukuphatha ukuba kuhlaziywa ngoko nangoko. Kulo mzekelo, kufuneka unikeze ibhanki obubhaliweyo ubungqina bokuba amatyala alahlwa, kwaye uqhagamshelane iziko lamatyala ukwenza utshintsho. Khangela nguqu kuba kwiintsuku ezimbalwa kamva. Ngapha koko, njani na uyazi imbali yekhredithi - kuba ngoku akukho mfihlakalo.