Tsalela ku labaqokeleli-matyala somnye, ukuba benze ntoni?

Kungenzeka, owawunalo ubuncinane kanye ebomini ukuba basebenzise iinkonzo ngokwenkqubo yesikweliti. Kodwa asinguye wonke umntu ngabo yathabatha ngetyala, yakwazi ukuba ndokuhlawula ngexesha. Kulo mzekelo, ukuze ityala kunye abangahlawuliyo ingakumbi nankathalo, kuthatha iinkampani yokuqokelela. Unxibelelwano nge la manene ukunikezela ezininzi mathuba ezingemnandi. Ingakumbi ndelelo xa abaqokeleli abatyholwa matyala amazwe. Kuyinto elungileyo, ukuba bathi oku kwenzeka ngamaxesha athile, kodwa lonxibelelwano kunqweneleka ngakumbi. Kutheni le nto isenzeka kwaye nomawukwenze - intetho malunga ngezantsi.

Ngoobani yabaqokeleli, yaye kutheni abakubiza

Yinto eqhelekileyo ukuba kuthi, igama elithi "umqokeleli" kwi translation wokoqobo lithetha "umqokeleli", kodwa akufuneki kuqokelela izitampu okanye ingqokelela amabhabhathane, kwaye imali evela berhafu ngokungakhathali. Abaqokeleli inokufana ngabanye okanye yimibutho yonke - iinkampani yokuqokelela. Ngamanye amaxesha le "Abaqokeleli" nawo amalungu abasebenzi ngaseludinini inkonzo yokhuseleko. main umsebenzi wabo - ndingade (esemthethweni) nyanzela unetyala ukuba ahlawule nezibophelelo zalo zemali. ukusilela ndlela ngamanye amaxesha kakuhle esekwe yenzeke, nto leyo kunokuphumela nesohlwayo.

Tsalela ku labaqokeleli-matyala somnye, ngenxa yezizathu ezahlukeneyo, kodwa amaxesha amaninzi oko kwenzeke ngempazamo, oluchanekileyo ukuba ngamanye amaxesha kunzima kakhulu. "WabaQokeleli" kudala ibihlaba ukusebenza kwiimeko ezingaqhelekanga, yaye ngokufuthi musa ukuphendula izibongozo zenu neengcaciso, kuba abantu abafuni kuhlawula imali-mboleko, kananjalo, kaninzi bathi azinayo nayiphi ngokunxulumene kulo.

Wena wenza nokuqinisekisa?

Ukuba usoloko ikhwelo labaqokeleli-matyala somnye, khumbula, ukuba wena akunguye nokuqinisekisa ukuba amboleke abahlobo bakho, izalamane okanye osebenza nabo. Kwaba? Ngoko umbiza ngokuba "umqokeleli" kwi kakhulu mhlawumbi umntu othathe ngetyala, kwasekwa ityala eqinileyo, kwaye ibhanki ugqibe ukuqokelela imali evela waba ngummeli wowona ulungileyo, oko kuwe.

Into yokuqala ukuyenza - qhagamshelana umntu ukhuphe mboleko, uze uzame ukufumanisa ukuba ukungaphumeleli kwalo ukuhlawula kwamiswa, yaye kungekudala uza ukuba kuwucima. Mhlawumbi kufuneka sikhangele iindlela zokusombulula kunye ingxaki - ukuthethana kunye ebhankini malunga mboleko mboleko okanye zama refinance nomnye umbutho (kakade, kule meko kufuneka enze nokuqinisekisa okwesihlandlo sesibini).

Ukuba kuvela ukuba onetyala ayikho ngokwenene kwimeko ukuba ihlawule imbophelelo; umsebenzi eneneni zidluliselwe kuwe. Kwaye kuya kufuneka ukuba uhlawule. Eyona nto ingcono unokuyenza - yiya webhanki uphendlo ngokuhlangeneyo ukuba isisombululo. Wakuba mvuma kunye umbutho ngetyala, unalo ilungelo lokuba bokulungisa isalamane (umhlobo) kwi-mboleko ukuba ngummeli wowona ulungileyo, yonke imali yetyala enkundleni.

izihlobo basolwe

Lidla kukho imeko xa mboleko wayethatha umntu kusapho lwakho, yaye niyazi kwaye andazi. Njengenxalenye yemisebenzi sokuqokelela ukufumana imali evela mboleki na indlela esemthethweni, kwimeko ukuyilwa kokulibazisa eziqala ethene mbende iminxeba yonke intsapho nabahlobo bakhe zabo phones inokufumaneka.
Kubalulekile ukwazi ukuba logama nje na nokuqinisekisa ukuba imali-mboleko, intlawulo amatyala unokuba kuphela kwiimeko ezimbini:

• kwimeko kokufa umboleki, ukuba wena unguye yindlalifa umntu lowo wamthabatha ikhredithi, kwaye kuye kwamkelwa ilifa;
• Ukuba umfazi (indoda) of onetyala, kodwa kulo mzekelo, ukunyanzela ukuba uhlawule ityala kuphela ngokomyalelo wenkundla.

Ngoko ke, ukuba abaqokeleli nibiza ityala lomnye umntu, nto leyo wabumba umzalwana wakho / oodade, abazali, oomalume, oomalumekazi kunye nezinye izalamane, ngesibindi bavakalisa ukuba akunyanzelekanga ukuba zifanele nanto yakwenza kwaye kufuneka ukuba uhlawule ngawo.

Inoxanduva ummelwane

Lidla abaqokeleli efuna ukufezekisa oko akufunayo, baqale ukwenza kuwo onke amanqanaba. Abaninzi babo, ngaphandle ekufezekiseni nantoni na evela onetyala okanye usapho lwakhe ngqo, qala ikhalisa zonke abamelwane, abalingane kunye nabahlobo obolekayo, le ukulindela ukuba onjalo "kuhlaselwa kuwo onke amanqanaba" iya kuzisa iziphumo ekhawulezileyo. Xa kunjalo, xa ubize abaqokeleli amatyala abanye abantu, obuqwebele lutho, ngembeko kwaye ngokuqinileyo achaze neyodwa akukho sinyanzelo nokuba "abaqokeleli" okanye client zabo. Kwaye wathi kubo kubiza kwakhona. Ukuba oku akusebenzi - ke musa ukuthandabuza arhente zokunyanzeliswa komthetho.

Andazi ukuba

Noko ke, maxa, yenzeka ukuba abaqokeleli ikhwelo wasemzini ityala somnye kuwe umntu. Oku kwenzeka ngenxa yezizathu ezininzi - umzekelo, inombolo yefowuni yakho ngaphambili, uphuma umntu, ngokwenene ukufumana ityala, okanye uye kwi indlu, umnini owayekade wathabatha mboleko, nceda ufake idilesi yakho endala. Ngamanye amaxesha kukho okubhala egameni banal, inombolo yomnxeba kunye nezinye iinkcukacha.

Ngelishwa, kulo mzekelo, lahla wababuthi ingcaciso elula akunakwenzeka - kuya kufuneka wenze umgudu ngakumbi. Okokuqala, ukufumana iinkcukacha zabantu; ngokuba apho uya yamkelwe, ngoko wenze isicelo ebhankini, oko ufu-. Kwileta eya ityumbe ukuba iinkcukacha zakho zoqhagamshelwano zidweliswe ngokungachanekanga ukuba ndingowasemzini kuwe uze ucele umntu ukuba enze utshintsho ledatha. Linda ukuba impendulo. Kungcono ukuthatha ngakumbi esi satifikethi ebhankini echaza ukuba wakho ezingafakwanga kuluhlu ityala kwi-mboleko. Susa iikopi zawo onke la maxwebhu uzithumele ngeposi ebhalisiweyo kwidilesi wenkampani ukuqokelelwa kwazo. Ukuba, emva kokuba zonke intshutshiso nokuqhathwa ngentla aziyi ayeke - bhala ingxelo kumtshutshisi kunye namapolisa.

Ukuba abaqokeleli ukubiza izihlobo zakho

Kakade ke, kuya kuba mnandi kakhulu ukuba bangene imeko apho abaqokeleli ikhwelo amatyala abanye abantu. Ingakumbi xa ityala okunene zezenu, njengoko abatsali-abachaphazelekayo, umzekelo, ubudala abazali 'endala.

Okokuqala kuyimfuneko ukuba achaze usapho ukuba okunene ityala, uza ukuhlawula kwixesha elizayo elingekude kuyaphi aze ubacele ukuba angakhathazeki. Okulandelayo, kufuneka ucele abantu obathandayo ukukhumbula into kwaye awukwazi ukuthetha kubaqokeleli nendlela engcono yokwakha incoko. Ukuze siphephe iingxaki ngakumbi, xa kunjalo, musa ndingawudizi, naluphi na ulwazi lobuqu malunga ngokwabo okanye isizalwane onetyala. usapho lwakho musa ukuba ukuxelela umqokeleli naluphi na ulwazi: igama elitsha, idilesi, inombolo yomnxeba kunye nezinye iinkcukacha - ukuba ishishini lakho. Kungcono ukuphinda ngomonde ukuba awunayo nawe na ukudibana ngqo, akazange ukunxibelelana kwaye akubonakalisi apho ningawufumana. Ukuba intsapho yakho iya ngqo loo maqhinga, kungekudala emva koko, abaqokeleli uya kuvalelwa.

"Uyolo" Iileta

Ngaphandle ukuba ababuthi ikhwelo ityala lomnye umntu, ngamanye amaxesha nabo benza "unikezelo ekujoliswe". wena Ngenye intsasa usenokufumanisa kwibhokisi yakho ileta echaza kangakanani yaye yintoni ibhange oyifunayo, kwakunye isigidimi ukuba ityala yadluliselwa kwinkampani ukuqokelelwa kwazo. Ekuhambeni kwexesha, incwadi ukumzisa abonakale ngakumbi nangakumbi rhoqo, wamcacisela kubo ukuze baqhubeke ukwandisa. Kulwa umsebenzi wabaqokeleli amatyala ilula kakhulu - musa abasabela ngayo. Amaninzi, "obukhulu" ezinjalo eziprintiweyo nje kumshiceleli ofisi kwaye zibandakanya nayiphi na zamanzi iisiginitsha, nto leyo ethetha ukuba nje intwana iphepha akukho amandla omthetho.

I kwakhala ...

iminxeba evela abaqokeleli ityala somnye unokuhlangula ingxaki obungako ngakumbi, kuba kaninzi ke waphinda yonke imihla nangalo naliphi na ixesha lemini. Nokuba kumsebenzisi umnxeba-iziko kuphela uchubekile, ifowuni sesihlanu sele ibangela ukungavisisani kunye infuriating elinesihlanu.

Ngamanye amaxesha umnxeba ifowuni kuncitshiswa nje ukunxibelelana umqeshwa sebhanki (inkampani umqokeleli i), kwaye uthatha umlinganiswa entle ezinzima, kunye nokusetyenziswa kolwimi Iyanuka, nezoyikiso ngokuchasene onetyala kunye nentsapho yakhe. Khumbula ukuba izenzo ezinjalo mthethweni kwaye kuqulatha uxanduva mthetho phantsi Article 163rd kunye 119 Code Criminal (ukuphanga izoyikiso emzimbeni ngokulandelelana).

neziphumo ezibonakalayo

Nkqu anqabe abaqokeleli isoyikiso kwamatyala angaphandle ikhutshelwa ekukuyo qha emzimbeni, umzekelo, unako Wamkelekile ekhaya okanye emsebenzini. Ukuba ofisi isekhona indawo yoluntu, i kakhulu ukuba ungenza ezisongela kulo mzekelo - yayisothusa ayiphumi, kwaye sidelong kude nabo. Kodwa apha ekhaya kufuneka balumke ngokukodwa:

• na kunjalo, musa ukuvumela iindwendwe ongamenywanga indlu;
• zama ukurekhoda incoko efowunini okanye isishicileli ilizwi;
• ezingxoxweni zonke kukhokelela kuphela phambi kwamangqina, ezifana kubamelwane.

Abaqokeleli ikhwelo ityala somnye - yona nto ekufanele siyenze nendlela ukuba

Ukuba nangoku ayikho unethamsanqa kwaye ujongene nabasebenzi ezisingisileyo arhente yebhanki okanye ingqokelela, okokuqala zonke musa ukothuka. Ukuze ngokukhawuleza kangangoko kunokwenzeka ukumisa unxibelelwano mnandi, kuyimfuneko ukuba kuqulunqwe isicwangciso-qhinga esicacileyo, kuba nethemba lokuba uya kusala yedwa, kunjalo nje akukho mfuneko.

Ngoko ke yintoni ukuba call yebhanki ityala somnye:

• kuqala kufuneka ufumanise oxoxa nabo, ufunde igama kunye patronymic yomthombo, ngokunjalo indawo yaso;
• ngakumbi zama ukufumana phandle igama elipheleleyo lombutho, idilesi yayo eziyinyani zomthetho, kunye neenombolo zoqhagamshelwano;
• ukurekhoda idatha lobuqu onetyala, nto leyo ufuna umqokeleli (umqeshwa bank);
• ngokuzola ukuphulaphula iimfuno labafowuni ze ubacele ukuba ukuqhagamshelana nawe kamva;
• Ukuba fown uyala ukuba ikwazise data ngasentla, ngokukhuselekileyo wavala incoko, elumkisa ukuba bazimisele ukuba isicelo oogunyaziwe bezomthetho.

Okulandelayo kuza kufuneka sisebenze ngokweemeko:

• kwimeko xa kukho ifowuni kwisiseko (umzekelo, ube nokuqinisekisa ukuba umhlobo isivumelwano semali-mboleko), kububulumko ukuba acele inkxaso igqwetha zemboleko, kunye nabasebenzi-arhente yokuqokelela (iBhanki) zinikele ukuya enkundleni;
• Ukuba wenza umntu ekuqhagamshelwana nje kokugqitywa imvumelwano, kwaye nangakumbi ke xa musa ukuba umboleki awungeni - qhagamshelana ibhanki ucacise le meko, abaqokeleli ngexesha ingxelo umnxeba yesibini uthabathe amanyathelo uze ucele ngakumbi na ungazihluphi;
• kwimeko apho ebiza kuya sizingise - zama ukubhala phantsi incoko ekhasethini, kwaye uqhagamshelane amapolisa kunye nezityholo ukuphanga;
• Ukuba oko akuncedi - bhalela kumtshutshisi kunye isikhalazo malunga Ukungenzi zokunyanzeliswa komthetho.

Xa Konke kungalungi

Kwimeko apho zonke iindlela akahambi ukunika isiphumo oyifunayo, kunye nabaqokeleli ethene mbende nabantu ebusuku amatyala omnye umntu, isisombululo oyinyaniso kuphela kukuba isibheno enkundleni. Ngokuxhaswa igqwetha abaqeqeshiweyo, singakwazi ngokukhuselekileyo ibango nokulungiswa evela ebhankini yokuziphatha, kwaye kwezinye iimeko nokuba yingozi emzimbeni. Umzekelo, ukuba, emva ukunxibelelana kunye nabaqokeleli ziye landa uxinzelelo lwegazi kunye unyango, ibhanki iya kunyanzeleka ukuba abuyekeze iindleko zonyango. Ngoko ke, ukuba unxibelelwano kunye nabaqokeleli ityala ndanizisa "ukuphatha", musa ukulibala ukuba asindise lonke uncedo ekliniki kunye iitsheki iziyobisi.