Kukho amaxesha ebomini, apho, ukuze ufumane into, efana nendlu, imoto, okanye into enexabiso elikhulu, ukuthengwa kufuna isiqinisekiso esiqinisekisa umthengisi ukuba, nokuba kwenzeka ntoni, uya kuhlawulisa ixabiso lezinto ezilungileyo. iyathengiswa. Kwaye kulungiselelwe isiqinisekiso. Oku kunokuba ngumntu, okanye isiqinisekiso sebhanki.
Njengoko igama layo libonisa, Isiqinisekiso sebhanki kulapho iziko eliqinisekisa intlawulo (ukuba umntu ekufuneka ehlawule akenzi njalo) yibhanki. Kodwa ngaba ufuna ukwazi okungakumbi malunga neli nani? Ke apha sichaza ukuba yintoni isiqinisekiso sebhanki, iimfuno zayo, indlela yokuyicela kunye neendidi zeziqinisekiso ezikhoyo.
Yintoni isiqinisekiso sebhanki?
Singasichaza isiqinisekiso sebhanki njenge Inkqubo eyenziwayo kunye nebhanki apho kunikezelwa khona isiqinisekiso, kule meko inikwe yibhanki, eya kuthi iphendule kwimeko eqinisekisiweyo (okt umthengi) ayinyanzelisi uxanduva kumntu wesithathu. Ngamanye amagama, ibhanki iyasifumanela ngokuqinisekisa ukuba, nokuba umntu wesithathu akaqokeleli kuthi, uyakuba nayo "imali" yakhe ebhankini.
Ewe kunjalo, isiqinisekiso ngumngcipheko, nokuba yeyibhanki, inkampani okanye umntu othile. Uninzi ludibanisa nemali mboleko, nangona kusaziwa ukuba ayingamagama amabini afanayo (ngakumbi kuba isiqinisekiso asithethi kukhutshwa kwemali kwangoko, kodwa siya kusebenza kuphela ukuba umntu akaluthathi uxanduva olutyala yena).
Ukwenza kube lula kuwe ukuba uqonde, sikunika umzekelo. Khawufane ucinge ukuba ufuna ukuthenga indlu kodwa awunayo imali eyaneleyo yokwenza loo nto. Unokhetho lokucela imali mboleko ebhankini, kodwa kwanokuba ibhanki iyakuqinisekisa. Ukuba ukhetha olu khetho lwesibini, ibhanki iba sisiqinisekiso sakho (isiqinisekiso sebhanki) sokuqinisekisa umnini-ndlu ukuba, ngesizathu esithile awukwazi ukuhlawula, ibhanki iya kuyikhathalela loo ntlawulo.
Ngoku ayenziwa le nto "ngokuzithandela." Kwiimeko ezininzi kukho isivumelwano esichaphazelekayo ngeqondo eliphezulu leepesenti, eyona nto isebenza njengenkxaso yentlawulo.
Yintoni efunekayo ukuze ube nesiqinisekiso sebhanki
Njengoko besesitshilo ngaphambili, isiqinisekiso sebhanki sicinga ukuba ibhanki ithatha umngcipheko kuba iba sisiqinisekiso kwimeko apho ungathobeli khona uxanduva, ikakhulu, lwentlawulo. Ke ngoko, nangona izinto zebhanki zichongiwe ukuba zinike olu hlobo lweziqinisekiso, kuba ziluncedo kakhulu kubo, bafuna Ukuhlangabezana nothotho lweemfuno ukuze bazamkele.
Ukwenza oku, into yokuqala ekufuneka uyenzile yile ukumisela ngokusesikweni isiqinisekiso sebhanki phambi komgcini-notari. Kufuneka wenze ntoni? Umgaqo-nkqubo ogubungela isiqinisekiso sebhanki, okanye umgaqo-nkqubo wokugubungela umda weziqinisekiso zebhanki (xa zininzi).
Yisivumelwano kunye nebhanki yakho apho avuma ukukuqinisekisa kwaye asebenze njengesiqinisekiso somntu wesithathu kwimeko yolwaphulo-mthetho kwicala lakho. Kodwa ayipheleli apho. Olu xwebhu luya kulawula ubudlelwane onabo nentlawulo, iikhomishini ezikucela ukuba ube sisiqinisekiso sebhanki, umdla kunye nenkcitho.
Emva koko isiqinisekiso sebhanki kufuneka sithathele ingqalelo ulwazi 3: isixa-mali esiqinisekisa ngaso, ubude besi siqinisekiso, kunye nemiqathango ehlawulwayo kwimeko apho kukho ukungahlawulwa komntu onyanzelekileyo ukuba ahlawule.
Iindidi zeziqinisekiso zebhanki
Phakathi kweentlobo zeziqinisekiso zebhanki, unokufumana iintlobo ezimbini eziqhelekileyo. Zezi:
Isiqinisekiso sebhanki yezemali
Ibhekisa kwisivumelwano esine Njengenjongo yokuhlawulwa kwemali ethile yibhanki. Ewe kunjalo, oku ngekhe kusebenze de umntu asilele yedwa kwintlawulo. Okwangoku, i-bhanki akufuneki ihlawule nantoni na.
Isiqinisekiso sebhanki yezobugcisa
Olu hlobo lwesiqinisekiso lubhekisa kulo iimeko apho, xa kukho ulwaphulo-mthetho olungahlawulwanga, Ibhanki iyayinyamekela.
Ukwenza kube lula kuwe ukuqonda, sithetha ngeemeko, umzekelo, phambi kwequmrhu loluntu, ulawulo okanye umntu wesithathu. Umzekelo, kunokuba ngenxa yokuthatha inxaxheba kwithenda, ithenda, ukwenziwa komsebenzi, oomatshini, izixhobo zolawulo, njl.
Ungasenza njani isicelo sokuvuma
Nje ukuba uthathe isigqibo sokuba ekuphela kwendlela yokufumana isiqinisekiso kukufumana isiqinisekiso sebhanki (kuba awufuni / unokusebenzisa isiqinisekiso sakho), inyathelo elilandelayo ekufuneka ulenzile kukuya ebhankini ukuya kufumanisa malunga nolu hlobo lwenkonzo.
Isigqibo sebhanki asizukukhawuleza, Oko kukuthi, Kuqala baya kucela zonke iintlobo zamaxwebhu ukuba bafunde ityala, Vavanya umngcipheko kwaye ubone izibonelelo abanokuzifumana ukuba ngaba zii-guarantors zakho. Ngaphandle kolo lwazi, abayi kuhoya nemeko yakho, ke kubalulekile ukuba uze nayo yonke into ukonga ixesha; kubandakanya, ukuba kunokwenzeka, ingxelo yobomi emsebenzini, imali-mboleko ukuba unayo, izinto eziphathekayo, njl.
Emva kwexesha (elinokusukela kwiintsuku ezimbalwa ukuya kwiiveki ezimbalwa okanye kwinyanga), ibhanki ingamkela njengesiqinisekiso sebhanki. Kodwa kwangaxeshanye iya kubeka iimeko zayo. Njengomgaqo ngokubanzi, ezi zihlala ziyidiphozithi ephakathi kwe-3 kunye neenyanga ezi-6 zento ekufuneka uyihlawule komnye umntu kwiakhawunti engenakuchukunyiswa de kube kugqityiwe ukuvunywa, kunye neekhomishini okanye inzala ekufuneka siyenzile ucele ukuba ibhanki iqinisekise.
Ukuba uyasamkela isivumelwano kufuneka sisayinwe apho kuqokelelwa konke oku kungentla. Kwaye ukulungele. Sele unesiqinisekiso sebhanki.
Umahluko phakathi kwesiqinisekiso kunye nesiqinisekiso
Phambi kokuba sigqibe, sifuna ukwalatha iikhonsepthi ezimbini ezinokuthi, ngalo mzuzu, zicinge ukuba ziyafana, kanti enyanisweni azifani. Sithetha nge-guarantor (okanye i-guarantor) kunye ne-guarantor. Bobabini bazama "ukunika imali" kodwa bahluke kakhulu omnye komnye.
Ukuqala, isiqinisekiso ngumntu onoxanduva lomnye umntu xa omnye umntu engathobeli intlawulo leyo. Isiqinisekiso senza okufanayo, oko kukuthi, siqinisekisa ukuhlawulwa kwimeko apho umntu onyanzelekileyo engayithobeli.
Ngoku, isiqinisekiso ngokwaso sinyanzelekile ukuba siyenze loo ntlawulo kwimeko yokungaphumeleli ngumntu ekufuneka enze njalo Ngelixa i-guarantor inganyanzelekanga ukuba ihlawule intlawulo ade umntu omkhulu onetyala amangalelwe ngaphambili.
Kwelinye icala, nangona la magama mabini enokubonakala efana, inyani kukuba bobabini badlala "kwiligi" ezahlukeneyo. Isiqinisekiso ligama elinenceba ngelixa isiqinisekiso sisemthethweni.