Yiyiphi inkcazelo thina ndiboleke ngokoMthetho

Yintoni na imigaqo-mboleko? Olu luhlu lwezinto ezifunekayo yeziko zemali, akukho mfuneko ngaphandle apho silindele ukufumana imali-mboleko. Namhlanje kwi yokugcina yonke ibhanki IsiRashiya iisethi ubuncinane ezithathu iziphakamiso, apho ukwazi ukuboleka imali yokuthenga izindlu, imoto okanye uthenga enkulu kangako. Ngamnye kubo, ke, yahlulwe iintlobo ezimbini: basic okhethekileyo.

Yintoni na imiqathango mboleko leyo kuthathwa Classic okanye esisiseko? Ezi ziquka lwemali-mboleko, ubuncinane bayo kunye nobukhulu ubuninzi, izinga lenzala, ixesha apho sihlelwe ukusebenzisa imali kwibhanki yakhe, uhlobo akananto kunye ikhomishini kunikezelo.

Kufuneka kuqatshelwe ukuba ngokoMthetho-mboleko ebhankini (nayiphi na i-Russian) liyahlonyelwa ukuchaza ngokucacileyo kakhulu ngubani na kuwuthabatha. Xa sithetha nomntu omnye, kubaluleke kakhulu nobudala zabathengi, indawo yomsebenzi kunye namava, umgangatho imbali yekhredithi, ukukwazi ukuhlawula, kwaye maxa wambi nkqu imfundo.

Makhe sihlolisise ngokweenkcukacha ezingakumbi iimeko lokuthenga. Kutheni le? Ngenxa nkonzo bafumana abaninzi babantu bakuthi. Ukongeza, zokubambisa okanye mboleko imoto azifumaneki kuzo zonke. Ngenxa yokuba iimfuno yeebhanki.

Ngoko ke, ukufumana imali-mboleko ngasentla, kufuneka uqinisekise imeko yabo yemali kunye nengqesho. Kwezinye iimeko kusenokuba kukho isiqinisekiso into enye. Kodwa kaninzi umbolekisi kufuna ukuqinisekisa ukuba, kunye nenye. Enyanisweni, oku kufuneka babe nomdla kunye obolekayo, kuba amaxwebhu amaninzi ngokukhawuleza kubonelelwa, ayanda amathuba ukuba uya kufumana iziphumo ezinqwenelekayo. Kwiimeko ezithile, imiqathango mboleko yale hlobo zibandakanya ukunikezelwa loluhlu olubanzi amaxwebhu. Umzekelo, ungafuna ubungqina bobunini amalungelo isithuthi ye client okanye indlu.

Ngamanye amaxesha wenza ezinye eyongezelelweyo ngenxa mboleki. Umzekelo, kunikezelo ikhredithi khadi kunye mda ethile. Noko ke, simele siqonde ukuba nje akukho nto yenzekayo. Kucacile ukuba ukusetyenziswa kwekhadi kuya kufuneka uhlawule inzala. Ngoko ke, xa uziva ukuba awukwazi ukunceda kodwa tirhisa isixa esithile semali, oko kuyimfuneko ukuze bashiye "isipho" ezinjalo. Ngaphandle kokuba, kakade, imiqathango inkqubo nemiqathango kuvumelekile.

Ingongoma ebalulekileyo kakhulu indlela yokulungiselela nenkonzo mboleko. Umzekelo, imali esandleni akufunekanga kubonelelwa. Endaweni yoko, imali ukuze kufakwa kwi ikhadi (hayi credit) okanye anikwe ngqo kwi -akhawunti zokusonjululwa lomthengisi. Kufuneka kwakhona Makusoloko kukhunjulwa ukuba uphele ngokwahlukeneyo okanye annuity scheme. On the eluncedo nengeloncedo ngamnye kubo uyakwazi ukuthetha ixesha elide kakhulu. Ngokufutshane, cela ukuba umphathi ebhankini ukuze akhuphe intlawulo ukubala enye kwenye. Apho aya kuba ezincinane nezicelo, kwaye khetha.

Okokugqibela, simele siqiniseke ukuba ngokwemiqathango ye-mboleko ukulungiselela ithuba intlawulo yokuqala nezibophelelo zawo. Le umzuzu ebixhamla ubuncwane kunene. Ezinye iibhanki abalindelekanga ngokucacileyo ithintele ukwenza oko. Noko ke, iinjongo zabo ngaphambi kwexesha ukuyibuyisa le mali-mboleko kufuneka azise kwangaphambili, yaye ngencwadi.

Ngenxa yoko, isibheno semali-mboleko - ayikho kuphela ithuba lokufumana imali ukwenza ukuthenga, kodwa umsebenzi zihlabane wafunda zonke bokuqonda kunye ubuqili ukuba eli ithuba amagama.