Uvavanyo creditworthiness yomboleki. Iimbalasane

Uvavanyo creditworthiness le umboleki - enye ebaluleke kakhulu yenkqubo yokubolekisa. Oku isenzo kusengqiqweni ngakwicala yamaziko zemali, kuba uvavanyo oluchanekileyo ubuchule yomboleki ukuhlawula imali nenzala phezu kuchaphazela ngqo ezi zicwangciso zilandelayo yebhanki - ubungozi, umgangatho kwesikhundla mboleko, amandla inqanaba intlawulo yetyala, kukuvela kweentlawulo emva kwexesha kwaye, ngenxa yoko, umgca osezantsi kwiziko lamatyala. Akumangalisi ukuba bank ngalinye byi bagxila ezifana parameter njengoko ndlela yokuhlola creditworthiness yomboleki.

Ngokuqhelekileyo, umntu, indlela enye jikelele kuwo onke amaziko ezemali lingekhoyo khona. yebhanki nganye amagosa mboleko eziphuhliswe novavanyo obolekayo ngamnye. Noko ke, izinto eziqhelekileyo basekhona kwi iindlela egcina imali, nangona zenziwe ngabantu ezahlukeneyo ngokupheleleyo.

Ngokwendalo, uvavanyo lokuqala kwinqanaba iqala kwenkcazo obolekayo nje umntu ngokwendalo okanye ngokomthetho. Uhlalutyo creditworthiness le obolekayo njenge iqumrhu lomthetho - inkqubo onzima kakhulu, ukuba sisekelwe phezu ezahlukeneyo imifuziselo kunye neendlela zokuvavanya imeko yemali kunye nokukwazi ukuhlawula. Kuqala kwinto zonke, sicinga wokuqala kwiingxelo zemali inkampani, ngokukodwa, isakhiwo Dynamics enabela, amatyala kunye nempahla zombutho, ngokunjalo izinto okuluphawu imeko yemali yenkampani.

Ukuba iqumrhu bangenza inkcazo-ntetho inani elikhulu lwamaxwebhu ngokwesiseko apho kunokwenzeka khona ukuba ziqhube uphando lokujongisisa zemali, uvavanyo creditworthiness lo mboleki njengoko umntu obanjelwe icebo eyahlukileyo ngokupheleleyo.

Ulwazi ngemvelaphi creditworthiness umboleki zabucala siquka parameters zilandelayo - Dynamics yengeniso, inqanaba imali mzuzu langoku, ukufumaneka ngetyala, yolawulo kunye nezinye iimbopheleleko.

Kufanelekile ukuba sikhankanye ukuba isimo ngokumalunga abantu zinyanisekile ngakumbi, njengoko abaninzi ngemali ziya kuthathelwa ingqalelo kuphela ingeniso ebhalwe, kodwa kwakhona izibakala luluvo ukuba umthengi akakwazi ukuqinisekisa. Indlela yokusebenza izibalo ezilula - iindleko ingeniso thabatha kunye namatyala - amagosa mboleko umiselwa sisakhono client ukuba ukuyibuyisa le mali uyibolekiweyo. Kungokwemvelo ukuba ingeniso laneleyo umnatha isicelo yomboleki akuyi kuvunywa. Ukuba intlawulo yenyanga kwi-mboleko iza kuba ngaphezu kwe-50% ye-mali sengeniso, ngokufuthi impendulo Kwakhona akukho.

Uvavanyo creditworthiness le umboleki kuxhomekeke kuhlobo yokubolekisa ngemali. Ngokomzekelo, kwiminyaka yakutshanje isetyenziswa ngokubanzi indlela amanqaku ngokusekelwe kuhlalutyo isixa ubuncinane ulwazi malunga mboleki. Ngokukodwa, iqwalasela iparameters ezifana ubudala client, ingqesho yayo kunye nobume ekuhlaleni, kakade, inzuzo. Ngokuqhelekileyo, xa loo mboleko kugqitywa ngexesha elifutshane, ezinye iibhanki zinika uyilo kwiyure nje enye.