Enye yeemveliso eguqula imarike yezemali yabucala yimali mboleko ekhawulezayo. Yimodeli yakutshanje enothotho lweempawu ezichazwe kakuhle ekufuneka uzithathele ingqalelo ukuba kwiinyanga ezimbalwa ezizayo ujongene nesidingo sokuziqesha. Ukuze ukwazi ukuthatha isigqibo esifanelekileyo, siya kukunceda ukuba uzazi ngcono ezi mveliso zenzelwe ukuxhasa ngemali abantu.
Okokuqala, kuya kufuneka uyazi ukuba olu hlobo lwekhredithi luthengiswa ikakhulu yimibutho yezemali engeyiyo eyebhanki. Basekela izibonelelo zabo ekunikezeleni umgca wetyala ukuba iibhanki azifikeleli kule mveliso. Kodwa oko ibe kukuphunyezwa kwayo kwimeko yesizwe, ukuba ikwabonelelwa kukhetho olubanzi lweqonga lokubolekwa kwemali ekhawulezileyo kwi-Intanethi abagqibe ekubeni bajoyine imikhosi yokukhuthaza esi sicelo. Ngothotho lweemodeli ezikhuphisanayo eziya zisanda, kwaye kutheni ungatsho, nazo ziindlongondlongo. Ngentambo yokuthengisa yokuba ngumnyinyiva okhawulezayo kakhulu.
Impendulo yeebhanki zemveli akukhange kube kudala ukuza kulwa nayo iphehlelele uthotho lweemali-mboleko eziqhelekileyo, kodwa ezilungiselelwe esi sicwangciso sitsha. Zilawulwa phantsi kweeparameter ezifanayo kunezo ngokwemiqathango yazo. Kule meko, iikhredithi ezikhawulezileyo zincinci, kodwa kunokuba yinto enomdla kakhulu yile nto bakulungiselele yona ukuze ukwazi ukuhlawula iindleko okanye iimfuno onazo ukusukela ngoku. Ngayiphi na imeko, awuyi kuphoswa zindululo kwaye phantsi kweendlela ezahlukeneyo ngokunxulumene nokunikezelwa.
Zithini iikhredithi ezikhawulezayo?
Olu hlobo lwenkxaso mali lubalasele kuba likunika imali encinci phantsi kweemeko ezizodwa nezichazwe kakuhle. Ngale makhredithi, abafaki zicelo banokufikelela ukuya kuthi ga kwi-900 euros malunga. Ungaba ezi zixa-mali nakweyiphi na imfuno. Hlawula iindleko zekhaya (umbane, amanzi, igesi, umnxeba, njl. Njl.), Amatyala engene kumntu wesithathu okanye nokuthobela iimfanelo zakho zerhafu. Ayothusi into yokuba bengazukufuna ukuba ubasebenzisele injongo ethile, njengoko kusenzeka nakwezinye iindlela zekhredithi. Kodwa bakhonza nayiphi na imfuno.
Ukuba ezi mboleko-mali zibalasele ngento ethile, kungenxa yokuba zinikezelwa ngobuchule obukhulu. Ngaphandle kwemizuzu eli-10 uyakuba nemali kwi-akhawunti yakho oyisebenzisileyo ngendlela oyibona ifanelekile. Le nkqubo ikhawuleza kangangokuba Uyakwazi kwimizuzu embalwa ukuba uyahlangabezana neemfuno okanye hayi ukuze bakunike. Ukusuka kolu luvo, esi sisisombululo onaso xa ujongene nemfuno engxamisekileyo yokuhlawula amatyala. Ngaphandle kokulinda ixesha elide de ekugqibeleni bakunike.
Enye into ebalulekileyo kukuba, kwiimeko ezininzi, bakwi-Intanethi. Zenziwe ngokusesikweni nge-intanethi, ngaphandle kwesidingo sokubonisa akukho hlobo loxwebhu njengerholo okanye i-endorsement. Ngaphantsi kwale ndlela yorhwebo, baba sisixhobo esiluncedo ngakumbi kwimfuno ekhethekileyo yezemali. Kananjalo, kamnandi ngakumbi ekhaya okanye kwenye indawo. Ngaphandle kokundwendwela naliphi na isebe ukuxhasa ikhontrakthi. Ngefomathi elula yokufumana ikhontrakthi kule mveliso yemali.
Izinto eziyimfuneko kwimvumelwano yayo
Imali mboleko ekhawulezileyo ikwabonakaliswa ziimeko zabo ezizodwa zekhontrakthi. Inkqubo yesicelo sakho iyaguquguquka kwaye ineenkqubo ezimbalwa zolawulo. Kodwa akukho meko ayithethi ukuba iya kuba itsheki engenanto, kuba ayisiyiyo kwaphela. Kuyinyani ukuba uninzi lwezindululo akuyomfuneko ukuba unikezele ngomvuzo okanye ipenshoni. Kodwa ukubuyisa baya kufuna ukuba ube nengeniso emiselweyo ephendula ekunikezelweni kwekhredithi. Nokuba kumaziko athile etyala angafuna ukuvunywa komnye umntu okanye isiqinisekiso sento elungileyo, njengesiqinisekiso somsebenzi oza kuwutyikitya ngelo xesha.
Ukuba ufuna ukwamkela umnikelo wabo, baya kukufuna kuphela Gcwalisa iphepha lemibuzo elilula. Ayizukuthatha ngaphezulu kwemizuzu elishumi ukuyigqiba. Ukongeza, abathengi abafuna ukuphinda umsebenzi abasayi kuphinda benze le nxalenye yenkqubo ukusuka kwisicelo sesibini. Ngendlela yokuphola kuya kuba yinto ephawuleka ngakumbi. Ukunikezela ngothotho lwezisombululo ezihambelana neemfuno zabathengi.
Ukufikelela kwinqanaba lokufikelela kuburharha kurhwebo lwayo kwezinye iifomathi abantu ababandakanywayo kuludwe lwezohlwayo (RAI, ASNEF, njl.). Ukuba imali mboleko ekhawulezileyo ihlalutyiwe ukusukela kweli nqanaba, kukho enye into elungileyo egcwalisa isithembiso. Ayisiyonto ngaphandle kwenyani yokuba uthotho lwabantu abanomda kweminye imigca yetyala eligunyaziswe ziibhanki banokufikelela kwezi zixa. Phakathi kwabo, abangaphangeliyo, abasebenzi abanemivuzo ephantsi kwaye kwezinye iimeko kwanabafundi abafuna ukuhlawulela ukuthanda kwabo okokuqala.
Iindleko ezichaphazelekayo kulo msebenzi
Ukusuka kweli nqanaba, apho ukufikeleleka kugudile, kuya kuhlala kusaziwa ukuba yeyiphi indleko zokugqibela eziya kuba yile mfuno. Uncedo olukhulu kwezi mveliso zezezimali kukuba ziyilelwe ngokubanzi uxolelwe kulo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwayo. Nokuba kungavulwa, kufundwe okanye kwenziwe amortization kwangoko, nokuba kuyinxalenye okanye iyonke. Ngokungafaniyo neendlela eziqhelekileyo zokuthenga ngetyala ezibandakanya iimeko zabo ngokubanzi.
Amanqanaba enzala: aphezulu
Iindleko zeekhredithi ezibonakalayo azikhawulelwanga kwisibonelelo sangoku. Kodwa ngokuchaseneyo, ziyahluka ngokuxhomekeka kwifomathi nganye kunye neemeko ezibekwe ngamashishini emali azikhuphileyo. Yiyo loo nto kungekho pesenti iqingqiweyo yezi mveliso. Bahamba ngomtya omkhulu kakhulu isuka kwi-12% iye kwi-25%. Lo ngumgca osabekayo wezemali kunoko uveliswe yimali mboleko yomntu, ukuze isetyenziswe okanye ezinye iinjongo ezikhuthazwe ziibhanki.
Ngayiphi na imeko, uneendlela ezithile zorhwebo zokuthi ekugqibeleni wehlise ixabiso kwizivumelwano zakho. Enye yazo yeyona isetyenziswa rhoqo ziibhanki ngokunyaniseka kwabathengi. Inkqubo yayo isekwe kwinto yokuba njengoko ubhalisile iimveliso ezininzi kunye nequmrhu (iimali zotyalo-mali, izicwangciso zepenshini, iiakhawunti zokujonga okanye i-inshurensi), inzala iyancitshiswa. Kude kube ukufikelela ibhonasi ephezulu phakathi kwenqaku elinye okanye amabini epesenti. Oko kuyakuthetha ukonyuka kokonga i-euro ezimbalwa kwintsebenzo nganye, onokwabela ezinye iimfuno kubomi bakho.
Amaqonga akwi-Intanethi, ngokwenxalenye yawo, achaphazela ukukhutshwa kweekhredithi ezikhawulezileyo, kodwa simahla nakwezinye iimeko ezithile. Ngokufanelekileyo, ngaphandle komdla okanye iikhomishini. Nangona olu nyuselo lilinganiselwe kumanani asezantsi esithembiso. Phakathi kwama-200 ukuya kuma-500 ee-euro eziphakanyisiweyo kwimvume yayo. Ukufezekisa le miqathango, ukumiselwa okuya kufunwa kula maqonga kukuba yimfuno yakho yokuqala. Ukuba, nangayiphi na imeko, isicwangciso esiliqili sentengiso sokutsala abathengi abatsha. Ukutsala umdla wabafakizicelo abanokubakho.
Umhla obekiweyo wokubuya kwakho
Imiqathango yokuhlawula le mizila yetyala ziintsuku ezingama-30 kwaye ngokubanzi zinxulunyaniswa nohlobo lwe inzala emiselweyo. Uya kusoloko kufuneka wenze intlawulo efanayo kwaye uya kuthintela ukumangaliswa kunye nemirhumo yakho. Nangona kunjalo, kunokwenzeka ukuba urhoxise ikhredithi ngaphambili. Umxhamli akunyanzelekanga ukuba aphathe inzala, eyinzuzo enkulu.
Nje ukuba zonke izibonelelo ezikhawuleziswa kukubolekwa kwemali, uhlalutye isigqibo sokugqibela sixhomekeke kuwe. Kuya kufuneka unike ubunyani okanye ungavumeli iimeko zayo ziphantsi kwendlela apho kufuneka iphumelele khona ukuba ukwenziwa kwayo ngokusemthethweni kuya kuba yinzuzo. Kananjalo ukuba iya kuba yinto eluncedo ngakumbi kwimidla yakho xa kuthelekiswa nenye imali: amakhadi etyala, ngomvuzo wakho okanye ngezivumelwano ezivela kwi-Intanethi.