Ityala lomthengi Yazi iimpawu zayo!

El Ikhredithi yabathengi Yindlela-mboleko yezehlo ezinkulu kwimarike yehlabathi. Makhe sihlolisise ngokufutshane imbali yayo, iimpawu kunye nobungozi kunye.

Ityala lomthengi: ithuba lemali-mboleko eguquguqukayo

El Ikhredithi yabathengi Ibe yindlela yemali-mboleko ethandwa kakhulu kwimbali yonke. Kula maxesha siphila kuwo, kuye kwakho ixesha lasentlakohlaza nangakumbi kumaxesha apho olona bhetyebhetye lukhulu lufunekayo kwizibophelelo zethu zezomthetho nezemali, xa kujongwa ukomelela okugqithisileyo kweendlela zethu zokusebenza kunye nokuba ngqongqo komvuzo wethu ekugqibeleni. iminyaka embalwa. Olu hlobo lwetyala ubukhulu becala lulungelelaniswe kwimeko eguquguqukayo apho ingeniso ethile ifunwa ngaphandle kwamabhongo amakhulu.

Yintoni kanye kanye a Ikhredithi yabathengi?

Olu hlobo lwetyala lunokuchazwa njengemali-mboleko yobuqu kunye nelinganiselweyo ngenjongo yokufumana into ethile okanye inkonzo ethile. Ngeli xesha sele ungabona umehluko obalulekileyo ngokubhekiselele kwezinye iintlobo zekhredithi, kunye neenjongo ezibanzi okanye ezingachazwanga: umboleki-mboleko womthengi usekelwe ekufumaneni into.

Imoto, idesktop okanye ilaptop kunye nesixhobo sombane sinokuwela kolu didi lwezinto ezithengekayo ngetyala lomthengi.

Nangona sikhankanya izinto zanamhlanje kumboniso wethu, i Ikhredithi yabathengi ungomnye wamanani amadala kwezoqoqosho kwimbali yaseYurophu. Ukusetyenziswa kwayo kuqale phakathi kwinkulungwane yeshumi elinesihlanu, xa i-Francisca yonqulo yagqiba ekubeni ijongane nenzala yelizwe yomdla ophakamileyo kunye nenkqubo yayo yeekhredithi kunye neepawn.

Igama elaphela linikwe le nkqubo ngenxa yemvelaphi yayo ezinikeleyo yayiyiMonte de Piedad, igama elisagcinwe kwindawo enkulu yemimandla yaseHispanic. KwakuseSpain, enyanisweni, apho inani laba nefuthe elikhulu, emva kokubonakala kwayo okokuqala kwiidolophu zase-Italiya.

Abalimi, abasebenzi kunye neendidi ezininzi zabasebenzi abavela kolona didi luthobekileyo bangenelwa koku kubizwa ngokuba yiMonte de Piedad, okwavunyelwa ngokusemthethweni nguPopu Leo X kwinkulungwane elandelayo. Iimpawu ezisisiseko zemodeli zazisele zikhona apha: iimali-mboleko ezincinci kwiithagethi ezincinci ngaphakathi kweklasi yabasebenzi.

Oku kwenza enye ingxabano yokuthathela ingqalelo iXesha eliPhakathi njengendawo ephithizelayo yemeko yala maxesha yamandulo kunokuba ibe sisigigaba eside se-obscurantism, njengoko sele siyiqhelile ukuyibona. Iiyunivesithi, izizwe kunye neziseko zoqoqosho ezisisiseko zivela kwiziseko ezipheleleyo zamaxesha aphakathi.

Xa ngenkulungwane yama-XNUMX ukuvela kodidi oluphakathi olunomthamo omkhulu wokusetyenziswa lungqamana nokungena kwemoto kwimarike, le mboleko iye yaxhaphaka ngakumbi, kungekuphela nje ngomsebenzi wayo wentlawulo yezavenge, kodwa isongeza nento eyakuthi iphumelele. kwixesha elizayo: ukunikezelwa kwetyala ngokuthe ngqo yinkampani ebonelela ngemveliso okanye inkonzo.

Ngoku, le fomati ayiyekanga ukuguquguquka kwizinto ezithile, yongeza iinkalo ezinomtsalane kodwa nomngcipheko. Makhe sihlolisise ezinye zezi ukugqibezela ingcaciso yethu.

Ukuba unomdla okhethekileyo kwiindidi zetyala ofuna ukuzikhulisa ngolwazi oluthe kratya, kunokuba luncedo kuwe ukuba undwendwele elinye inqaku kwiwebhusayithi yethu ezinikele ekucaciseni ukuba yintoni na ikhredithi eyenziweyo. Landela ikhonkco!

Iimpawu kunye nobungozi bekhredithi yabathengi

Ngoku siza kuphonononga ngokweenkcukacha iimpawu ze Ikhredithi yabathengi yintoni esixhalabisayo Kuya kufuneka ucace kakhulu ngazo zonke ezi zinto zibalulekileyo ukuze ukhathalele umngcipheko onokuthi usetyenziswe kusetyenziso lwawo.

Izixhobo

Sinokushwankathela iimpawu ngolu hlobo lulandelayo:

1. Okokuqala, sinale nto ikhankanyiweyo ngasentla malunga nenjongo ethile yemali-mboleko, ngokuchaseneyo nezinye ezingaqinisekanga malunga nokuba umxhasi uya kufuna ukufikelela ntoni xa eyifumana. Ibhenefithi ihlala iqulathe malunga neemveliso ezibonisiweyo okanye iinkonzo, ukusuka kwizixhobo zasekhaya ezifana nezixhobo kunye nefenitshala ukuya kwiikhompyuter kunye neemoto. Ikhredithi ijolise ekufumaneni ezi zinto.
2. Nangona kukho ubuncinci bemali efunekayo ukunika ikhredithi, idla ngokuba yindleko ephantsi, ngokungafaniyo nezinye iintlobo zemboleko. Yenye yeempawu ezenza isibheno esidumileyo malunga nezi mboleko.
3. Kwakhona kunye nokwahlukana okukhulu ngokubhekiselele kwikhredithi yebhanki eqhelekileyo, le mboleko yomthengi idla ngokunikezelwa yinkampani ngokwayo enikezela ngemveliso okanye inkonzo efunwa ukuba ifakwe ebomini bethu. Amaqumrhu ebhanki adla ngokuthatha inxaxheba kwintengiselwano njengabalamleli, enikezela ngenkqubo yokulawula iintlawulo. Kodwa uvavanyo olunokwenzeka lwemali mboleko luhlala lwenziwa yinkampani ngokwayo, mhlawumbi ngoncedo lwebhanki, kodwa ngaphandle kolawulo olukhethekileyo.
4. Ukusetyenzwa kwezi khredithi kukhawuleza kakhulu, xa kujongwe ukusekwa kwangaphambili kwenjongo emayiphunyezwe kunye nobudlelwane obunokubakho obusondeleyo phakathi komxumi kunye nenkampani. Oku kwahluke kakhulu kwiimali zokubambisa okanye iikhredithi zesixa esikhulu kunye nokungenasiphelo esikhulu, esihlala silawulwa ziimfuno ezininzi kunye namaxesha amade.
5. Inzala idla ngokuba phezulu xa ithelekiswa nezinye iimali-mboleko zomntu. Le yinto apho i Ikhredithi yabathengi iye yazinxwema kwisithethe sayo sembali yoonongendi. Ukususela kwisicelo semali-mboleko yanamhlanje, umdla waqala ukunyuka ngokulinganayo kwinzala yakudala.
6. Ukuthathela ingqalelo oku kungentla, kukho umthetho ongqongqo wokukhusela umxhamli ekuziphatheni okugwenxa kwezi mboleko. Ngokukodwa, ummiselo unokuqwalaselwa ofuna ukuba umxhasi aziswe ngokupheleleyo malunga ne-APR (i-Annual Equivalent Rate) kunye ne-Nominal Interest Rate (TIN). Bobabini baya kukwazi ukunika umqeshwa inkcazelo echanileyo ukuze enze izigqibo ngetyala aze akwazi ukucwangcisa kakuhle iintlawulo zakhe ukuba ugqiba kwelokuba ayamkele.
7. Olu lwazi lungentla lubalulekile kuba inqanaba lentlawulo yolu hlobo lwemali mboleko libandakanya inxalenye enkulu yezinto zomthengi, zombini ezo zikhoyo ngoku kunye nezo zinokufunyanwa kwixesha elizayo, ngaphandle kwesiqinisekiso sokwenyani. Kuyafuneka ke ukuba sichaze ngokuchanekileyo ukuba kuya kuba yintoni na uxanduva lwethu lokurhoxisa ukuthintela amatyala amakhulu.

Mngcipheko

Imingcipheko yolu hlobo lwetyala inokuchazwa kakuhle kule nto ithethwa ngasentla ngokweempawu zayo. Kodwa inokushwankathelwa kakuhle ngolu hlobo lulandelayo:

1. Izivumelwano zomlomo ngaphandle kokuhlaliswa kumaxwebhu abophezelayo. Oku kunokuba yingxaki yokwenyani xa kuyimfuneko ukulwa nempazamo ethile ekufumaneni iintlawulo okanye ukwabiwa kwenzala egqithisileyo. Ukujonga ukuba yintoni kanye kanye isivumelwano xa sinomoya kuphela akufuneki kakhulu. Qinisekisa ukuba unayo yonke into ephepheni, esayinwe kwaye ibophelela kwindalo, ukuthintela ukubhideka okanye ukuphazamisa.
2. Ukungazi ngokupheleleyo iimeko zentlawulo malunga nokuqokelelwa kwenzala. Njengoko bekutshiwo ngaphambili, kubalulekile ukuba amanani emilinganiselo yonyaka kunye nenzala ekhoyo icace esandleni, ukubala ngokufanelekileyo ukuba yimalini ekufuneka siyihlawule kwaye yeyiphi imihla. Kuyimfuneko ukuba nobulumko ekuvavanyeni izixa-mali, ukuphepha ukuba ikhredithi ehambelana nemveliso elula iphelela ekudibaneni kweminyaka ngenxa yokubala kakubi kunye nokungabikho kolwazi oluninzi.
3. Buza imibuzo emininzi kangangoko unakho kwaye usombulule nawaphi na amathandabuzo athi gqi entlokweni yakho malunga nawo onke amagatya, nokuba abonakala emncinci kangakanani, ngaphambi kokuba izinto zijije kakhulu ekuhambeni kwexesha.
4. Ukungajongi ukuba kukho ilungelo lokurhoxa kumthengi. Isindululo setyala sinokuba nomtsalane kuthi, kodwa kubaluleke kakhulu ukuba sibe nomnyango ocacileyo wokuphuma kwimeko apho umcimbi uqala ukubonakala umbi, ngenxa yemeko yangoku yenkampani yetyala okanye ngenxa yeemeko zobuqu eziya kusithintela kucingelwa iintlawulo kwixesha elizayo.
5. Imigaqo yokurhoxisa ikhontrakthi egunyazisa ikhredithi idla ngokuba ziintsuku zekhalenda ezili-14 kubalwa ukususela ngexesha ikhredithi esemthethweni yenziwe ngokusesikweni kwaye ke iintsuku ezingama-30 zidla ngokunikezelwa ukuze kubuyiswe imali efunyenweyo, mhlawumbi ukuya kuthi ga ngoku kunye nenzala yayo.
6. Ukungazi ngezohlwayo ezisekwe kwikhontrakthi ekuvunyelwene ngayo. Ukuqala ukwenza iintlawulo ucinga ukuba ukulibaziseka kweentsuku ezimbalwa kuya kuxolelwa ngaphandle kweziphumo ezinkulu xa isivumelwano sithe samisela izohlwayo, kunokuba yingozi kakhulu, ukutsho kancinci. Qinisekisa ukuba uyasazi isohlwayo phambi kokuba udlale ngeemali kunye nemihla.

Isiphelo

Ityala lomthengi linokuba sisixhobo esiluncedo kakhulu kwiimeko ezininzi, ngenxa yokucocwa kwayo kunye nenjongo elula yeentlawulo zayo. Kodwa isenokuba lityala elineentambo ezininzi ukuba sizivumela ukuba sirhintyelwe zizilangazelelo nezohlwayo ebezingaqwalaselwanga ngokupheleleyo ngaphambili.

Ukongeza, kwinqanaba likarhulumente, le ndlela yokuthenga ngetyala inokuphinda ithwale umngcipheko: ingozi yokuba izibonelelo ezinikwe umxhasi ngamnye zithetha ubunjubaqa jikelele, ukudala iqamza elinokuthi ekugqibeleni ligqabhuke kwintlekele yezemali yobungakanani obukhulu.

Kungoko, njengakweminye imimandla emininzi yoqoqosho lwehlabathi, kungumbandela woxanduva ngokubanzi. Kwelinye icala, abasebenzisi, ekufuneka baziswe ngokucokisekileyo malunga noxanduva abazimisele ukulwenza.

Kwicala leenkampani, ezimele zifake onke amagatya abandakanyekayo, ziququzelele ikhredithi kumxhasi ngaphandle kokuhlambalaza umkhono kunye nokubeka iliso kubo bonke ubugwenxa obunokuthi bungalungelelanisi inkqubo. Kwaye kwicala lesithathu, lamaziko kaRhulumente, ekufuneka avakalise i-alamu xa ishishini kunye nentshiseko ethandwayo yekhredithi iphuma esandleni ngendlela eyingozi kuzinzo lwemali yesizwe.

Le vidiyo ilandelayo ichaza ngokufutshane kakhulu nangendlela elula ukuba lubandakanya ntoni na olu hlobo lwemali mboleko yomthengi. Ukuza kuthi ga ngoku inqaku lethu malunga neempawu, iingenelo kunye nobungozi be Ikhredithi yabathengi. Ndizakukubona kungekudala kunye nethamsanqa kumaphepha akho, ukuthenga kunye nokonga.