Ndingaphila iminyaka emininzi? Iimfuno zabatyala abancinci

Enye yemisebenzi ephambili yeebhanki ezininzi zasekhaya kukukhutshwa kwemboleko. Namhlanje phantse yonke iziko lezemali libonelela ngemali mboleko kwizinto zombini kunye nabantu ngabanye. Emva kokufunda eli nqaku, uya kufumanisa ukuba uneminyaka emininzi onokuboleka ngayo.

Ukwabiwa kwemali-mboleko ekhoyo

Okwangoku, amaninzi amabhanki anikezela ngemali-mboleko yexesha elifutshane, eliphakathi kunye nexesha elide kumakhasimende abo. Iyokuqala ikhutshwe ngeenyanga ezilishumi elinambini, iyokugqibela inokukhishwa ubuncinane kwiminyaka emithathu.

Ngaphambi kokuba ufumane i mboleko, kufuneka ujongane nolunye uhlobo. Ngokuxhomekeke kwinjongo yemboleko, kunoku:

• UmThengi. Olu hlobo luhambelana ngqo neemfuno zabathengi. Ngokuqhelekileyo abantu benza imali-mboleko yokulungisa okanye ukuthenga izixhobo zombane. Njengomthetho, ezi zikhulu kakhulu zebheyili.
• Imoto. Ukusuka kwesi sihloko kuyacaca ukuba lolu hlobo lwemboleko lujoliswe ekuthengweni kwesithuthi.
• Mortgage. Le mboleko ibelwe ukuthengwa kwezindlu. Ngokuqhelekileyo sithetha ngamanani amaninzi, akhutshwe ixesha elide.

Ukongezelela, kukho iingxowa-mali zemfundo okanye ezinye iimfuno eziphuthumayo.

Ndingaphila iminyaka emininzi?

Abo banenkxalabo malunga nale ngxaki mabaqonde ukuba, ngokuhambelana nomthetho wangoku, iibhanki zasekhaya ziboleka kubemi abafikelele kwiminyaka elishumi elinesibhozo. Nangona kunjalo, amaziko emali athetha ukusebenzisana nabantu abangaphantsi kweminyaka engama-21. Kwaye ke kuphela kwiimeko ezinzima.

Umntu omncinci omtsha kufuneka asebenze ngokusemthethweni kwaye kufuneka abe neengeniso ezizinzile. Abathengi abaneminyaka elishumi elinesibhozo bafumana imali encinci. Kule meko, iibhanki ezininzi zifuna umgcini-mboleko. Ukongezelela, abafana abathanda ukufumana imali mboleko kufuneka banike ithikithi lempi kunye nephayiphu ephambili yamaxwebhu.

Ziziphi iimeko apho ibhanki ibambisana nabasweleyo abancinci?

Abemi abangaphantsi kweminyaka engama-21 banokufumana umboleko kwimali engama-ruble angamawaka amathathu aneminyaka engama-mibini. Ngexesha elifanayo, akudingeki ukuba banikezele abaxhasi kunye nabagcini-mboleko. Kodwa ngaphandle kwalokhu, umntu akafanele alindele iimeko ezamkelekileyo ngenani eliphantsi lomdla.

Xa uqikelele ukuba uneminyaka engakanani ongayithatha imali mboleko, awukwazi ukuthetha indlela yokwandisa inani lemali-mboleko kunye nemigomo yokubuyela kwayo. Oku kunokwenziwa kuphela xa unomgcini-mboleko okanye idiphozithi. Njengokugqibela ungasebenzisa iiphozithi, indawo yokuhlala okanye imoto. Ukongeza kwiibhanki, abatyala abancinci banelungelo lokusebenzisa iinkonzo zemibutho ekhethekileyo ekukhutshweni kwama-microloans. Ngelo xesha, asifanele sikhohlwe ukuba i-pawnshops kunye neemanyano zemali-mboleko ziboleka imali ngenani lentengo ephezulu.

Imithetho eyisiseko yokuboleka abantu ngabanye

Ukufumana imali mboleko, umntu obolekayo kufuneka ahlangabezane nayo yonke imfuno ebhankanywe nguye. Phakathi kweemeko ezinyanzelweyo ezibekelwe onke amaziko emali asekhaya, umntu unokubonisa ukuba ubudala kunye nobukho bendawo yokuhlala unomphela. Abantu abangaphantsi kwe-18 kwaye abangadluli kwi-65 bangafaka isicelo semboleko.

Ukongezelela, umbolekisi kunye nomboleki-ngaphambili ubeka uluhlu lwemibhalo efunekayo, ekufuneka iqokelele. Njengomthetho, phakathi kwamanye amaphepha, isatifikethi somvuzo siyadingeka. Kwakhona, ezininzi iibhanki zasekhaya zicela uxwebhu oluqinisekisa ukuba umntu obolekayo unokufumana imvume yokuhlala isigxina.

Isiphelo

Ngoku uyazi ukuba uneminyaka engakanani ongayithatha imali mboleko kunye nezinto ezifunwayo ezifunekayo kule nto. Ngokusekelwe kuzo zonke iinkcukacha ezi ngasentla, sinokugqiba: omncinci umbolekayo, ongeyonto encinci yeemeko ezinikwe zona. Ngaloo ndlela, iibhanki zizama ukuzikhusela malunga nokungahlawulwanga kwemboleko ebolekelwe, kuba abaninzi abantu abaselula abanalo msebenzi osisigxina kunye nemali engenayo.

Ukongezelela, abemi abangazange bafikelele kwiminyaka engamashumi amabini anesihlanu akufanele kulindeleke ukuba bafumane umboleko wemboleko. Ekubeni amaziko emali asekhaya ayenzi ixabiso elinjalo kubaxhasi abancinci kwimiqathango.