Ngaba ufuna imoto yakho? Ngaba udiniwe kukucela abahlobo bakho ukuba bakukhangele okanye bakususe kwenye indawo ukuya kwenye?Emva koko siyakumema ukuba ufumane elinye lawona mathuba alungileyo akhoyo, i isibambiso ngetyala iimfuno kunye neempawu! kunye nenye idatha ekufuneka uyazi kwisicelo sakho.
Kukho amathuba amahle xa ucela imali-mboleko yokufumana isithuthi ngokukhawuleza
Ityala elithenjisiweyo: Yintoni?
Ekwabizwa ngokuba yi-pledged credit, ayikho enye ngaphandle kwemali-mboleko enikezelwa ngokuchasene nesiqinisekiso, esinokusuka kwi-jewel ukuya kwixabiso elisusekayo.
Ikhredithi yesibambiso ijika ifana kakhulu nenkqubo yokukhwela, ekubeni okulungileyo onakaliswe ngumntu ngokuqhelekileyo kugcinwa kwidiphozithi yeziko lekhredithi, umbolekisi okanye umbolekisi ukuze kuqinisekiswe ukuthotyelwa kwesibophelelo. Kwimeko apho umkweliti akaphumelelanga, isibambiso okanye isibambiso sinokuthengiswa okanye sithengiswe ukuze kuhlangatyezwane nentlawulo-mboleko.
Ngokubanzi, le nkqubo isetyenziswa zii-pawnshops ezibeka isibambiso kuluntu malunga neepawnshops okanye ukuthenga. Emva koko, isetyenziswe ngamabhanki okugcina kamasipala apho unokufikelela kwimali mboleko okanye ikhredithi, ukwamkela ipropati yomntu njengesibambiso.
Zivela phi ezi zindlu zamatyala?
Yavela kwinkulungwane yeshumi elinesihlanu kumantla eItali, ngakumbi, kwiintaba zamatye ezakhiwe ngamaFranciscans. Phambi kokuba kuvele le ndawo, abantu abafake izicelo zemboleko kuye kwafuneka barhoxe phakathi kwe-30% kunye ne-200%, nto leyo eyandise kakhulu ukufikelela kwityala kumagcisa, abalimi okanye abarhwebi abancinci.
Ngenxa yesi sizathu, amaFranciscas athatha isigqibo sokuququzelela intaba yamatye, ukuba akwazi ukunika amaqela anomdla iikhredithi okanye iimali-mboleko ngaphandle kwenzalo, nje ukuba babeke isibambiso sesiqinisekiso.
Ithini imiqathango yesibambiso okanye isibambiso sekhredithi?
Enye yeemeko eziphambili apho isibambiso sekhredithi sinayo kukuba umbolekisi unokugcina isiqinisekiso sikhuselekile ukuze kuqinisekiswe ukugqitywa kwesibophelelo.
Njengoko besitshilo ngaphambili, ukubuyiswa kwe-jewel kuya kwenziwa, xa umboleki ecima ikhredithi eceliweyo. Kwimeko yokungakwazi ukucima ityala, umbolekisi unokwenza ifandesi okanye ukuthengiswa kwento.
Inyaniso ebangela ukwazi ukuba bambalwa kakhulu abantu abayaziyo yeyokuba ixesha lokuba netyala lingandiswa kuthathelwa ingqalelo into yokuba umbolekisi kufuneka ayigcine iqhekeza elo njengesibambiso.
Iimali-mboleko ezibanjisiweyo zezona zicelwayo ukuze kuthengwe isithuthi
Iimfuno eziyimfuneko zokufaka isicelo sesibambiso okanye isibhambathiso sekhredithi
Kufuneka sikhumbule ukuba ilizwe ngalinye kunye neziko apho olu hlobo lwetyala lunikezelwa khona luhlala lucela iimfuno ezahlukeneyo, nangona kunjalo, amaxwebhu asisiseko adla ngokucelwa eArgentina ngala:
- Ubungqina bomsebenzi, obonisa ubukhulu kwinkampani.
- Uxwebhu oluchaza owona mvuzo uphantsi onawo.
- Uneminyaka ephakathi kwe-19 nama-60 ubudala.
- Uxwebhu lwesazisi. Ukuba ungumphambukeli, kufuneka ubonise indawo yakho yokuhlala esemthethweni okanye incwadana yokundwendwela.
- Ubungqina bentlawulo yeenkonzo, apho igama elipheleleyo lomfaki-sicelo livela khona.
Onke la maxwebhu acelwa yi-arhente, ukuba aqinisekise ukuba umenzi-sicelo unemali eyaneleyo yokukwazi ukuhlawula imali-mboleko ayicelayo, kungakhathaliseki ukuba kukufumana imoto okanye ukuthenga indlu.
Iimpawu zemboleko okanye isibambiso sekhredithi
- Sisivumelwano esisemthethweni ngokupheleleyo.
- Le mboleko inokuhlaziywa ngamaqela.
- Ikhredithi yesibambiso idla ngokuzisa inzuzo yemali kumbolekisi.
- Le khredithi inokumiselwa ngokusesikweni kuphela ngokunikezela ngefenitshala njengesibambiso, hayi ipropathi.
- Emva kokuba ityala lihlawulwe, umbolekisi kufuneka abuyisele ifenitshala.
- Umbolekisi kufuneka akhusele ifanitshala de lowo utyalayo ahlawule ityala.
Izibonelelo ezinikezelwa yile mboleko okanye isibhambathiso sekhredithi
- Inzala iphantsi kakhulu kunemali-mboleko enikwa ngamaziko emali.
- Ikhredithi ivunyiwe ngokukhawuleza ukuba inikwe kwimizuzu embalwa.
- Imali yetyala inokusetyenziswa ngeyona ndlela ifanelekileyo.
- Umntu uya kuqhubeka nokuba ngumnikazi wento leyo, kungakhathaliseki ukuba ihanjiswe njengesibambiso.
- Emva kokuba isiqinisekiso semali-mboleko sinikezelwe, imali iya kuhanjiswa ngokukhawuleza.
- Akukho siqinisekiso sifunekayo, ekubeni into okanye into elungileyo eseleyo isiqinisekiso esaneleyo sokucinywa kwetyala.
- Inzala kunye neentlawulo zenyanga zimisiwe.
Ukungalungi kwesibambiso okanye isibambiso sekhredithi
Ngaphandle kokuba le mboleko okanye imali mboleko inako, ikwanazo nezinto ezingeloncedo ekufuneka umntu azigcine engqondweni xa eyicela. Ezinye zezi:
- Umfaki-sicelo wetyala angalahlekelwa yinto exabiseke kakhulu ngokungakwazi ukuhlawula ityala.
- Isiqwenga okanye isiqwenga sefanitshala esiziswe njengesiqinisekiso singonakala.
- Ngokuxhomekeke kwiziko elisetyenziselwe ukucela ikhredithi, ixesha lokuvuma liya kwandiswa iintsuku ezimbalwa.
- Nangona inzala kunye neentlawulo zingahlukanga, ezinye iibhanki zivame ukuzonyusa njengoko kubonisiwe ngumlinganiselo.
Ukuba uye wathanda eli nqaku, siyakumema ukuba ufunde malunga Yintoni uManyano? Yazi injongo yayo kurhwebo!, kunye nokuhlelwa okuya kunikwa intengiso kunye nolwazi oluninzi malunga noMthetho weRhafu yokuThutha nokuThumela ngaphandle, eyaziwa ngokuba yi-LIGIE.