El Isikweletu somthengi Kuyindlela yemalimboleko eyenzeka kakhulu emakethe yomhlaba. Ake sihlole kafushane umlando wayo, izici kanye nezingozi ndawonye.
Ikhredithi yomthengi: kungenzeka imalimboleko eguquguqukayo
El Isikweletu somthengi Kube yindlela yokubolekwa edume kakhulu emlandweni wonke. Ezikhathini zanamuhla esiphila kuzo, kube nentwasahlobo enkulu nakakhulu ezikhathini lapho kudingeka ukuguquguquka okukhulu kakhulu kwezibopho zethu zomthetho nezezimali, uma kubhekwa amandla amakhulu kakhulu endlela yethu yokusebenza kanye nokuba bucayi okungapheli komholo wethu esikhathini esidlule. iminyaka embalwa. Lolu hlobo lwesikweletu lujwayeleke kakhulu endaweni eguquguqukayo lapho kufunwa inzuzo ethile ngaphandle kwezifiso ezinkulu.
Yini ngempela a Isikweletu somthengi?
Lolu hlobo lwekhredithi lungachazwa njengemalimboleko yomuntu siqu kanye nelinganiselwe ngenjongo yokuthola impahla ethile noma isevisi ethile. Kuleli qophelo usungabona umehluko obalulekile ngokuphathelene nezinye izinhlobo zezikweletu, ezinezinjongo ezibanzi kakhulu noma ezingachazwanga: imali ebolekiwe yomthengi isekelwe ekutholweni kwesici.
Imoto, ideskithophu noma ikhompuyutha ephathekayo kanye nezinto ezisetshenziswayo zingawela ngaphansi kwalesi sigaba sezinto ezithengekayo ngekhredithi yomthengi.
Nakuba sikhuluma ngezinto zesimanje embukisweni wethu, i Isikweletu somthengi ungomunye wabantu abadala kwezomnotho emlandweni waseYurophu. Ukusetshenziswa kwayo kuhlehlela emuva phakathi nekhulu leshumi nanhlanu, lapho i-oda lezenkolo likaFrancisca linquma ukubhekana nokulobola kwezwe kwenzalo ephakeme kakhulu ngohlelo lwayo lwezikweletu nama-pawn.
Igama elagcina linikezwe le sistimu ngenxa yemvelaphi yayo ezinikele kwakuyi-Monte de Piedad, igama elisasetshenziswa engxenyeni enkulu yezindawo zase-Hispanic. KwakuseSpain, eqinisweni, lapho isibalo saba nomthelela omkhulu, ngemva kokuvela kwaso okokuqala emadolobheni ase-Italy.
Abalimi, izisebenzi kanye nezigaba eziningi zezisebenzi ezivela esigabeni esiphansi bazuza kulokhu okubizwa ngokuthi i-Monte de Piedad, okwagunyazwa uPapa Leo X ekhulwini elilandelayo. Izici eziyisisekelo zemodeli bezivele zikhona lapha: izikweletu ezincane zezinhloso ezincane ngaphakathi kwesigaba sabasebenzi.
Lokhu kuhlanganisa ukungqubuzana okukodwa kokucabangela iNkathi Ephakathi njengendawo ephithizelayo yesimanjemanje kunokuba kube isiqephu eside se-obscurantism, njengoba sesijwayele ukuyibona. Amanyuvesi, izizwe kanye nezakhiwo zezomnotho eziyisisekelo zivela ezisekelweni zenkathi ephakathi ngokugcwele.
Ngenkathi ngekhulu lama-XNUMX ukubonakala kwesigaba esiphakathi namandla okusebenzisa amakhulu kuhambisana nokungena kwemoto emakethe, le mali ebolekiwe yaba yinsakavukela, hhayi nje ngesici sayo sokukhokha isitolimende, kodwa futhi yengeza isici esasizoba khona. ezikhathini ezizayo: ukunikezwa kwekhredithi ngokuqondile yinkampani ehlinzeka ngomkhiqizo noma isevisi.
Manje, le fomethi ayikayeki ukushintsha ezintweni ezithile, yengeza izici ezikhangayo kodwa futhi nengozi. Ake sihlole okunye kwalokhu ukuze siqedele ukuveza kwethu.
Uma unentshisekelo ekhethekile ezinhlotsheni zezikweletu ofuna ukuzikhulisa ngolwazi olwengeziwe, kungase kube usizo kuwe ukuthi uvakashele lesi esinye isihloko esikuwebhusayithi yethu esizinikezele ekuchazeni ukuthi yini ikhredithi ye-refactionary. Landela isixhumanisi!
Izici nezingozi zekhredithi yomthengi
Manje sizobuyekeza ngokuningiliziwe izici ze- Isikweletu somthengi okusikhathazayo Kufanele ucace kakhulu ngazo zonke lezi zici ukuze unakekele ubungozi obungase buvezwe ukusetshenziswa kwazo.
Izici
Singafingqa izici ngale ndlela elandelayo:
- Okokuqala, sinalokhu okushiwo ngenhla mayelana nenjongo ethile yemali mboleko, ngokungafani nezinye ezingacacisi kakhulu mayelana nokuthi iklayenti lizofuna ukukufezani uma liyithola. Inzuzo ihlezi ihlanganisa imikhiqizo ebonisiwe noma amasevisi, kusukela ezintweni zasendlini ezifana nemishini nefenisha kuya kumakhompyutha nezimoto. Ikhredithi iqondiswe ekutholeni lezi zinto.
- Nakuba kunenani elincane elidingekayo ukuze kunikezwe ikhredithi, ngokuvamile kuyizindleko eziphansi, ngokungafani nezinye izinhlobo zemali mboleko. Esinye sezici ezikhangayo ezidumile mayelana nalezi zimali mboleko.
- Futhi ngomehluko omkhulu ngokuphathelene nekhredithi yasebhange evamile, le mali ebolekiwe yomthengi ngokuvamile inikezwa inkampani ngokwayo ehlinzeka ngomkhiqizo noma isevisi efuna ukufakwa ezimpilweni zethu. Amabhizinisi amabhange ngokuvamile abamba iqhaza emisebenzini njengabalamuli, enikeza isistimu ukuphatha izinkokhelo. Kodwa ukuhlolwa ukuthi kungenzeka yini imali mboleko ngokuvamile kwenziwa inkampani ngokwayo, mhlawumbe ngosizo oluthile lwasebhange, kodwa ngaphandle kokuphathwa kwayo okukhethekile.
- Ukucutshungulwa kwalawa makhredithi kushesha kakhulu, uma kubhekwa ukusungulwa kwangaphambili kwenhloso okufanele ifinyelelwe kanye nobudlelwane obuseduze okungenzeka phakathi kweklayenti nenkampani. Lokhu kwehluka kakhulu emalini ebolekiwe noma izikweletu yenani elikhulu kanye nokungapheli okukhulu, okuvame ukubuswa izimfuneko ezengeziwe nemibandela emide.
- Inzalo ivamise ukuba phezulu uma iqhathaniswa nezinye izikweletu zomuntu siqu. Lokhu kuyinto okwenziwa ngayo Isikweletu somthengi iye yazihlukanisa nesiko layo lomlando wezindela. Kusukela ekusetshenzisweni kwesimanje kokubolekwa kwemali, izithakazelo zaqala ukukhuphuka kakhulu njengemali yokulobola endala.
- Uma kucatshangelwa lokhu okungenhla, kunomthetho ocophelelayo wokuvikela ohlomulayo ekuziphatheni okuhlukumezayo kulezi zimalimboleko. Ikakhulukazi, kungase kuqashelwe umthethonqubo odinga ukuthi iklayenti laziswe ngokugcwele ngalokho okubizwa nge-APR (Inani Elilinganayo Lonyaka) kanye Nesilinganiso Senzalo Yokubizwa (TIN). Bobabili bazokwazi ukunikeza isisebenzi ukwaziswa okunembile ukuze senze izinqumo zaso mayelana nesikweletu futhi sikwazi ukuhlela izinkokhelo zaso ngendlela efanele uma sinquma ukusamukela.
- Ulwazi olungenhla lubalulekile ngoba izinga lokukhokha lalolu hlobo lwemali mboleko lihilela ingxenye enkulu yezimpahla zeklayenti, kokubili okungezakho kanye nalezo ezingase zitholwe esikhathini esizayo, ngaphandle kwesiqinisekiso sangempela esithile. Khona-ke kuyadingeka ukuthi sichaze ngokucacile ukuthi izibopho zethu zokukhansela ngezikhathi ezithile zizoba yini ukuze sigweme izikweletu ezinkulu.
Izingozi
Izingozi zalolu hlobo lwekhredithi zingacatshangelwa kahle kakhulu kulokho okushiwo ngenhla mayelana nezici zayo. Kodwa ingafinyezwa kahle kanjena:
- Izivumelwano zomlomo ngaphandle kokukhokha kumadokhumenti abophayo. Lokhu kungaba uvivinyo lwangempela esimweni lapho kudingekile ukulwa nephutha elithile ekutholeni izinkokhelo noma ukwabiwa kwenzalo eyeqisayo. Ukuhlola ukuthi kwakuyini ngempela isivumelwano lapho sinomoya kuphela akulungile kakhulu. Qiniseka ukuthi unakho konke ephepheni, okusayiniwe futhi okubophezelayo ngokwemvelo, ukugwema ukudideka noma ukuphazamisa.
- Ukungazi ngokugcwele izimo zokukhokha mayelana nokuqoqwa kwenzalo. Njengoba sekushiwo ngaphambili, kubalulekile ukuba kube nezinombolo zamareyithi onyaka kanye nezilinganiso zenzalo ezivamile esandleni, ukuze sibale kahle ukuthi yimalini okufanele siyikhokhe nokuthi yiziphi izinsuku. Kudingeka ubuhlakani ekuhlaziyeni amanani, ukugwema ukuthi isikweletu esihambisana nomkhiqizo olula sigcine sesiyisiphambano seminyaka ngenxa yokubala okubi kanye nokungabi bikho kolwazi.
- Buza imibuzo eminingi ngangokunokwenzeka futhi uxazulule noma yikuphi ukungabaza okufika ekhanda lakho mayelana nazo zonke izigatshana, kungakhathaliseki ukuthi zingabonakala zincane kangakanani, ngaphambi kokuba izinto zisonteke kakhulu ngokuhamba kwesikhathi.
- Ukungahloli ukuthi likhona yini ilungelo lokuhoxa lekhasimende. Isiphakamiso sesikweletu singakhanga kakhulu kithi, kodwa kubaluleke kakhulu ukuthi sibe nomnyango ocacile wokuphuma uma kwenzeka indaba iqala ukubukeka kabi, ngenxa yesimo samanje senkampani yezikweletu noma ngenxa yezimo zomuntu siqu ezizosivimbela sithatha izinkokhelo esikhathini esizayo.umjikelezo okuvunyelwene ngawo.
- Imigomo yokuhoxiswa kwenkontileka egunyaza ikhredithi ngokuvamile iyizinsuku ezingu-14 zekhalenda kusukela ngesikhathi ikhredithi yenziwe ngokusemthethweni bese izinsuku ezingu-30 zivame ukunikezwa ukuze kubuyiswe imali etholiwe, ngokunokwenzeka kuze kube manje kanye nezintshisakalo zayo.
- Ungazazi izinhlawulo ezisungulwe kunkontileka okuvunyelwene ngayo. Ukuqala ukwenza izinkokhelo ucabanga ukuthi ukubambezeleka kwezinsuku ezimbalwa kuzothethelelwa ngaphandle kwemiphumela emikhulu lapho isivumelwano sisungula unswinyo, kungalimaza kakhulu, ukusho okungenani. Qiniseka ukuthi uyasazi isijeziso ngaphambi kokudlala amanani nezinsuku.
Isiphetho
Ikhredithi yomthengi ingaba yinsiza ewusizo kakhulu ezimeni eziningi, ngenxa yokusebenziseka kalula kwayo kanye nenjongo elula yezinkokhelo zayo. Kodwa futhi kungase kube isikweletu esinamathente amaningi uma sizivumela ukuba sibanjwe izithakazelo nezijeziso ebezingakacatshangelwa ngokugcwele ngaphambili.
Ukwengeza, ezingeni likahulumeni, lesi sitayela sokuthenga ngesikweletu singaphinde sibe sengozini: ingozi izikhungo ezinikezwa iklayenti ngalinye zisho ubuhlongandlebe obuvamile, okudala ibhamuza elingase lingene enkingeni yezimali yobukhulu obukhulu.
Khona-ke, njengakweminye imikhakha eminingi yomnotho womhlaba, kuyindaba yemfanelo evamile. Ngakolunye uhlangothi, abasebenzisi, okufanele baziswe ngokugcwele mayelana nezibopho abazimisele ngempela ukuzithwala.
Ngasohlangothini lwezinkampani, okufanele zisebenzise zonke izigaba ezihilelekile, zinikeze ikhasimende isikweletu ngaphandle kokulimaza umkhono futhi ziqaphe wonke amahlongandlebe angalinganisa uhlelo. Kanti ngakolunye uhlangothi, lwezikhungo zoMbuso, okumele zihlabe umkhosi lapho ibhizinisi nentshiseko edumile yezikweletu iphuma esandleni ngendlela eyingozi ekuzinzeni kwezimali zezwe.
Ividiyo elandelayo ichaza ngendlela emfushane nelula kakhulu ukuthi lolu hlobo lwemali mboleko yomthengi luhlanganisani. Kuze kube manje isihloko sethu mayelana nezici, izinzuzo kanye nezingozi Isikweletu somthengi. Sizokubona maduze futhi sikufisela inhlanhla emaphepheni akho, ukuthenga nokonga.