Ngaba kunokwenzeka ukulungiswa kwemboleko ngembali yeebhanki? Indlela yokubuyisela kwakhona ityala ngembali embi yesikweletu?

Ukwenza imali ebolekayo "enkulu kunye nebiza," abaninzi ababolekayo abazange bacinge ukuba banokulindela i-future of non payers. Nangona kunjalo, ixesha lidlulayo, kwaye ngezinye iimeko bajamelana neengxaki zemali. Umlando weebredari ugqityiwe, kwaye amatyala aqala ukukhula njengebhola lebhola. Kule meko, ukhetho olufanelekileyo kukuhlaziya umboleko ngembali yeebhanki. Iyini le nkonzo? Kwaye ngaba kuyimfuneko yokuyifumana ngabaxhasi abangenabani?

Ingaba impendulo engalunganga kwimbali yesikweletu inokuchaphazela isigqibo sebhanki?

Akuyiyo imfihlo kunoma ubani ukuba akukho ukungaqiniseki kwiindawo zamatyala ngokubhekiselele kubathengi babo abatsha okanye abahlali abanokuthenjwa. Ngokukodwa, sithetha ngababolekayo, abathi, ngenxa yezizathu ezithile, imbali yemboleko yachithwa. Ingaba yindwangu yokugqibela kwiikali, eziza kubakho ukuxhaswa kungekhona kumntu onetyala. Kodwa ke ababolekayo ngegama elibiweyo banethuba lokuhlaziya kunye nembali embi yematyala. Kwenzeka njani oku?

Ukuhlaziywa kwemali-mboleko kwenzeka njani?

Okokuqala, kuyafaneleka ukutsho ukuba ukuhlaziywa yinkonzo ekhethekileyo yebhanki evumela ababoleki ukuba batshintshe iimeko zangaphambili zemboleko ekuthandeni kwabo. Ewe, oku akuthethi ukuba ityala lakho liya kubhalwa kuwe. Nangona kunjalo, ngenxa yale nkonzo, abakhokheli banethuba elihle lokufumana ukuhlaziywa kwemvumelwano-mboleko. Kuthetha ntoni?

Ngamazwi alula, umboleki uya kwiziko lemboleko kwaye uyacela ukuhlaziya umboleko wakhe. Kakade, ngenxa yoko kufuneka abe nezizathu ezilungileyo kunye nobungqina. Ngokomzekelo, ngenxa yengozi okanye intlekele yendalo, walahlekelwa yedwa ekhaya. Waxoshwa emsebenzini wakhe, walimala kakhulu emsebenzini, waxoshwa, njl.

Kwiimeko ezinjalo, ibhanki ihlaziya imboleko ngembali yeebhanki. Wena. Ukwandisa ixesha le mboleko kwaye ngoko kuncitshiswe inani lemali yokuhlawula yenyanga ukwenzela ukuba lihambelane namathuba okwenza imali okwenziwa ngumthengi.

Kwakhona, ukuhlengahlengiswa kwenziwa ngamabhanki angaphandle, ngaphandle kweziko lemali lomboleki. Ezi nkqubo zijoliswe ekutsaleni kwaye, ngokwemiqathango elula, "ukukhwela" abathengi abavela kumncintiswano. Iimali-mboleko ezinjalo zibizwa ngokuthi "imali ebolekileyo" (isethi yemboleko mboleko yabathengi, iimali-mali zemali-mboleko, amakhadi-mboleko), kwakunye nemali-mboleko emikhulu (iimali-mboleko zemali kunye nemali-mboleko). Iibhanki zinikele ingqalelo xa zenza ukuhlaziywa kwemboleko ngembali yeebhanki ezibi kwaye ndingabani na le nkonzo?

Ziziphi iibhanki eziye zacwangcisa inkqubo?

Iinkqubo zokuhlaziya kwakhona zisebenza kwiibhanki ezininzi zaseRashiya. Baye kwimibutho efana nale:

• I-Sberbank yaseRashiya (iimali-mboleko zezindlu kunye neziboleko zabathengi zokuhlaziya);
• VTB24 (ukuhlaziywa kwemali-mboleko yemali, amakhadi enkoleko, iimali-mboleko zemoto kunye nemali-mboleko yempahla);
• I-Rosselselhozbank (mboleki);
• I-Alfa-Bank (mboleko) nabanye.

Ndixelele apho uthathe khona imali, kwaye ndiya kukuxelela ukuba ungubani "

Into yokuqala ebhanki iya kubeka ingqalelo kuyo iya kuba yikhungo lekhredithi, apho umboleki wathabatha imali mboleko. Emva koko, idumela alikho kuphela kubabolekayo, kodwa nakwimibutho yemali. Kwaye kuyisono sokufihla, isithunzi sokungaqiniseki siye sawela kwiibhanki ezithile ixesha elide. Ukongezelela, imbangela yembali yemboleko yomboleki inokuba yimpazamo yebhanki yomphathi webhanki owenza ngokungekho mpela amagama, njl njl.

Qinisekisa le nyaniso yinyani, ukuba umntu obolekayo u-100% oqinisekileyo wokungabi namacala. Ukwenza oku, ngaphambi kokufaka isicelo semali mboleko yokuhlaziya kunye nembali embi yesikweletu, kufuneka uqhagamshelane ne-CBK okanye iBCH kwindawo (ukuba uyazi ukuba i-CI yakho ihambelana nani). Kwaye ke, ukwazi umbolekisi owonakalisa imbali yakho, unokubonisa ubungqina bakho obungasetyala enkundleni. Kamva, ngesigwebo somgwebo kunye nokuqinisekiswa kwegama lakhe, unokusebenza ngokukhuselekileyo kwibhanki.

Kuyafana nokukhwabanisa ngemali-mboleko, umzekelo, ukuba ulixhoba labagxeki abaye bakhupha imali mboleko egameni lakho.

Inani, ixesha kunye nezizathu zokungabikho

Ngaphambi kokuba usitshele indlela yokulungisa umboleko ngembali yengxelo yebhanki embi, ibhanki ngokuqinisekileyo izama ukufumana izizathu zokungahlawulwanga. Ingakumbi abameleli bentlangano yezemali baya kuba nomdla kula manqaku alandelayo:

• Inani lokungabuyiselwa;
• Ukuphindaphinda kweentlawulo ezingezizo (ukuba zihlala zihlala phi);
• Ubani ubude beetyala lakho (usuku, inyanga, ezimbini, unyaka);
• Ngaba ixesha elide lihlawulwe (inyanga, ezimbini, njl.).

Njengomthetho, inani elincinci letyala (kunye nexesha elilodwa elingenayo intlawulo) alibulali, ngoko ke kunokwenzeka ukuba abo babolekayo bathembele ekuhlaziyeni kunye nomlando weebhanki ezibi. Kodwa yintoni omele uyenze ukuba ungeniswa kwi "uluhlu olumnyama" lwabalandeli abanobubi kwaye unqatshelwe ukuhlaziya?

Izinketho zokusombulula ingxaki ngeemali-mboleko "ezibizayo"

Ukuba unqatshelwe kwangoko kwiibhanki ezininzi, ngokubhekiselele ekungathembiseleni kwakho, akufanele ufefe intloko yakho ngomlotha. Zininzi ezinye iindlela. Ngokomzekelo, unokuhlala ungabhekiseli kwiibhanki ezinkulu, kodwa ezincinci. Abangaphambili, njengomthetho, abananto abaxhasile abaxhasi, ngoko banako ukunyaniseka ukuhlawula abakhokheli. Imibutho yamatyala amancinci (umzekelo, "Tempbank") ulwela umthengi ngamnye kwaye ngoko ke uthembekile kunabakhokheli.

Ukongezelela, ukuba awunalo ithuba lokubuyisela inkokhelo ngekhredithi yebhanki engalunganga kwiibhanki, unako ukuhlala usebenzisa iinkonzo zemibutho engekho ebhankini. Ziyakwazi ukuba yi-MFIs. Kwakhona banamathele kubathengi, kodwa abameli babo abavumi ukukhupha imali enkulu kwi-counter yokuqala.

Kwisibheno sokuqala unokufumana malunga ne-4 000-10 000 ruble. Ukuba umboleko uhlawulelwa ngexesha, imali yokuboleka imali iya kunyuswa. Ubuninzi obuya kubalwa kwi-MFIs yi-ruble yezigidi ezi-1-2. Ngokungafani neebhanki, amaziko ezinkcazo zemali akhupha imali mboleko ngethuba elifutshane, kwaye umdla wokusebenzisa loo mboleko iphezulu kakhulu.

Ukuba unquma ukuhlaziya nayiphi na indleko ebhankini, ngoko ukhuseleko lwakho ukhuseleko. Okanye unako ukuphendukela kwiinkonzo zabagcini bamantshi.

Ngamafutshane, ukuba ufuna ukufumana isisombululo kwingxaki, unako. Kuya kuba nomnqweno.