Yintoni zococeko: uhlobo kunye nezizathu isicelo

Amaninzi ezincwadini mihla bangadibana iingqiqo ezahlukeneyo, eli apho asazi ngokupheleleyo. Ukuba enjalo ibinzana elithi "isisombululo ibhange". Masizame kweli nqaku ukuqonda zonke iinkcukacha.

Ngoko ke, yintoni na kwisimo bempembelelo kusenokuba nayo ukusebenza kwamaziko zemali?

Kakuhle eli gama

Ukulungiswa ke inkqubo uhlobo uvuselelo amaziko zebhanki nesicwangciso sezimali. Le nkqubo yenziwe kumaziko ngetyala, kodwa kuphela xa kunokwenzeka ukuba siphephe yimali kwaye ukuba ndinimisele kwimeko yoqoqosho okanye iibhanki sikhulu obalulekileyo kummandla othile yakhe. Impendulo kumbuzo oko itiphu kulandelayo: ke ukufuna ukuba umtyali ofanelekileyo okanye jikelele impilo zemali imikhosi yayo kunye nezibonelelo.

Oxhamlayo?

Abagcinisa kuhlela inzuzo. Ngalo unokonga imali ngokupheleleyo, yaye hayi kuphela lokumiswa ibonelelwe ngumthetho osebenzayo kwaye 700 lamawaka. Thambisani. Ngelo xesha ukuba ukulungiswa enjalo, bazi kakuhle ukuba iqumrhu elisemthethweni, ukuba kukho omnye umtyali-kumthengi ukuba wonke yebhanki loo ngxaki a. Ngenxa la manyathelo kwezolimo bayaqhubeka inkonzo ngokupheleleyo kwiziko logcino efanayo.

Kodwa ke, intsingiselo yegama elithi "yesiqhelo" uphelelwa intsingiselo yawo xa "umngxuma" ye eseleyo ebhankini ilingana kwintsalela yayo. Loo iziko zemali Awunakugcinwa kwakhona. umthetho osebenzayo uya kuba nelungelo ukwala ukuvuselelwa zemali neebhanki. Namhlanje, kwimo lwenzeka kwimigangatho ezilishumi elinesihlanu Russian Federation.

Ngenxa yoko, nathi ukuqulunqa ukuba igama elithi "zococeko". Le misebenzi umzimba ebandakanya nje ukubuyiselwa amatyala ibhanki leyo, kodwa ke inguqu isiseko umthengi kwakhona liboleke abanye, ukuhlaziya kweenkqubo zangaphakathi nangaphandle, ukusetyenziswa kwabasebenzi kunye neeofisi zamasebe.

indlela alulame

Ngoko ke, kufuneka wazi ngokucacileyo iimpawu imeko, njengoko ngokuhlanganisa yeebhanki kunokuphunyezwa ngeendlela ezininzi.

Okokuqala, kwintengiso "yibhanki embi" ezifana kwelinye iziko logcino ngexabiso yokomfuziselo.

Okwesibini, ekuqhubeni kwisimo ngenxa iinzame ezibambeneyo ye-Arhente Idiposithi Insurance (emva koku - YOSUKU) kunye nemibutho yorhwebo.

Okwesithathu, ezinye ii-asethi kunye namatyala ilungiswa iibhanki ndatshintshelwa kwelinye iziko ushishino nobuntu ngokusemthethweni.

Okwesine, ukuziphatha kwimo inyanzela YOSUKU kuphela.

Ngoko ke, yintoni na kwimeko yesiqhelo? Ulinganisa ukuthintela ungonakala ngobuninzi amaziko zebhanki. Kuyenzeka ukuba ngokuqinisekileyo ukuba ukuba amanyathelo ngasentla ziyaphunyezwa, ukuvalwa ngaseludinini uya kuziphepha.

imiba esemqoka

Ukuba uye indlela yesithathu yesiqhelo, ie ukuba adlulisele ii-asethi, amatyala aloo umntu ngokwasemthethweni nokubunjwa lwabasebenzi, ezifana abasebenzi nebhanki waqonda ngokwaneleyo. Ukongeza, kukho umngeni kakhulu ngempumelelo abathengi ibhanki yakhe kwiinkundla.

Okwesine kwimo ukhetho - nje ubambe ACB wayo - icala inqabile kakhulu. Le nkqubo kwenzeka kuphela xa ingekho enye wemali.

Izisombululo kwiingxaki

Ngoko ke, ukusombulula iingxaki evela abasebenzi zamaziko zebhanki, ulawulo wenziwe umsebenzi ecacisiweyo. Ngamanye amazwi, abasebenzi kwiziko logcino kufuneka siqonde isizathu sokuba ucoceko apho, yaye ngawaphi amanyathelo athathiweyo ukulungisa kuyo. Kwakhona, abasebenzi kufuneka ibe nakho ukuqinisekisa nokubonelela yonke ingcaciso eyimfuneko kubaxhasi ibhanki yakhe.

Inyathelo elilandelayo ngesisombululo iingxaki kwinkqubo ngokuhlanganisa ebhankini, lo mbutho kunye nokomelezwa iziko lemibuzo kunye nenani kwimigca ngabaqhubi abafanelekileyo, eyona njongo iphambili eliza ukuthintela nencindi abagcinisa noku zifumanela asethi zabo abathengi ibhanki yakhe.

Inyathelo lesithathu kufuneka esweni rhoqo kwamajelo ezahlukeneyo kwi iimpapasho ezahlukeneyo kwiziko zebhanki. Sithetha imiyalezo elibi kakhulu kwaye uxabene ngabathengi kunye ababukeleyo zomntu wesithathu.

Kwaye ke inyathelo lokugqibela ukumisela ixesha elibekiweyo lokuba iintlanganiso kunye nabameli yokuqhelaniswa nezifundo eendaba kwezoqoqosho. Abasebenzi Bank kufuneka zinike iintatheli ulwazi oluchanekileyo malunga nemeko yezemali ziko. Ukongeza, le ncwadi yezoqoqosho unokunikwa ishedyuli imisebenzi yesiqhelo ukuze kuphunyezwe iziphumo eziphathekayo. Noko ke, kufuneka umlinganiswa isicelo. Kufuneka ukuba ufake amaxwebhu ngqo ukuqinisekisa kwenziwayo.