Ukubonelelwa ngetyala okwangoku kubandakanya ukubonelela ngeendlela zokuxhasa ngemali ezingaphezulu kakhulu, ezibonakalayo ngokunikwa kweentlobo ngeentlobo zi khredithi. Kuphuhliswe phantsi kweendlela ezahlukeneyo zorhwebo ngokwexabiso labo, kodwa kuyo nayiphi na imeko ziyafumaneka phantse kubo bonke abasebenzisi bebhanki, kubandakanya nawe. Kodwa kwenzeka ntoni xa iimfuno zenkxaso-mali zifuna ngakumbi kwaye ifuna iimali eziphezulu kakhulu.
Isimo sitshintshe kakhulu, kwaye izindululo ezibonelelwa ziibhanki zithintelwe kakhulu kwixabiso labo, kuthintela izindululo. Kwaye koku kongezwa ukomelela kwimeko yesivumelwano. Isenokungabi sanele ukubonelela ngohlawula, Kodwa kwanobukho be-guarantor buyimfuneko, kwaye unyanzelekile ukuba ubonise iakhawunti yokukhangela esempilweni kakhulu. Nokuba yeyiphi na indlela, iimfuno ziya kuba nzima kakhulu, kwaye ngekhe ubenakho ukuhlangabezana nazo kwizindululo ezininzi.
Unokufumana imeko ethile apho ufuna isixa esiphezulu kunesiqhelo. Ngezizathu ezahlukeneyo, ukuthathela ingqalelo imeko kaxakeka ethi ivele nanini na, okanye xa ujongene nemfuneko yokujongana nomsebenzi obalulekileyo. Imali mboleko enika i-5.000, i-10.000 okanye i-20.000 euro ayizukusebenzela wena. Uya kudinga amaxabiso aphezulu, phakathi kwama-50.000 ukuya kuma-100.000 euros. Impendulo yakho yokuqala iya kuba kukubona ukuba umnikelo webhanki uncitshiswe njani, ngaphezulu kunokuba ungakholelwa ekuqaleni.
Iimali ukuya kuthi ga kwi-100.000 euros
Ngoku uyakufumana izindululo ezimbalwa, hayi zininzi ukuba ibango lakho liphuhlisiwe phantsi kwale mida yemfuno. Ziyaphuhliswa phantsi konikezelo olunomda ophakamileyo we-100.000 euro. Kuyinyani ukuba awuyi kuba nokuninzi onokukhetha kuko, kodwa ubuncinci uya kuba neendlela ezimbalwa zekhredithi ngezi mpawu.
Enye into eya kutsala umdla wakho yi ukuqina kweemeko. Baya komelela kakhulu, kunye neemfuno ezininzi kubo zokwamkela isicelo. Ngokuqinisekileyo iya kuba ngumqobo ophambili ekunikezeleni izixa eziphezulu.
Olu didi lweemali mboleko ezinkulu luyathengiswa phantsi kweemeko zorhwebo ezicacileyo. Ayingabo bonke abamangali abaya kuba nakho ukufeza iinjongo zabo, kwaye kwiimeko ezininzi abayi kuba nandlela yimbi ngaphandle kokujonga ezinye iindlela ezizezinye (amalungu osapho, iimali mboleko phakathi kwabantu, intlawulo yomvuzo, njl. Nangona kunokwenzeka ukuba ekugqibeleni abayi kuba nakho ukuhlangabezana nale mfuno inzima. Ngaphandle kokuba-ewe-uyimboleko ekhethekileyo kwaye unokudlula simahla kolu hlobo lwemali.
Ukungaqiniseki kokuqala oza kukugcina kwasekuqaleni kukuba ungafikelela na kwezi mboleko. Kuya kufuneka unikezele ngeemfuno ezininzi kwisicelo sakho. Ngenxa yoko, kuya kufuneka uyazi kwangaphambili ukuba ibhanki izakukucela ntoni ukwenza ulungelelwaniso lomsebenzi. Ukuba udibana nabo, ndiyavuyisana nawe, kuba uya kuba neminyango evulekileyo yenye yezona khredithi zikhethekileyo ezikhoyo kumaziko ezezimali akhoyo ngalo mzuzu kanye.
Ziza kufuna ntoni kuwe iibhanki?
Kuqala kufuneka ucace ukuba iimeko zifunwa kakhulu kunakwiminyaka embalwa edlulileyo, emva kwengxaki yezoqoqosho eyaqala ngo-2008. Akusekho okungaphantsi. Ukuba awuzifezekisi iimfuno, kuya kufuneka uthi ndlela-ntle kwimvume yakho ngokuqinisekileyo.
Kwindawo yokuqala Baya kufuna i-payroll ethile efanelekileyo, ngokubanzi isuka kwi-2.000 euro. Ukuba kunokwenzeka kwisivumelwano sengqesho esisigxina okanye esingenammiselo. Kodwa ayizukuphela komqathango, kuya kufuneka unikezele ngembali ebalaseleyo yebhanki, kwaye ngokuqinisekileyo awubandakanywanga kuluhlu lwabatyholwa (RAI, ASNEF, njl.).
Ukuba unekhontrakthi yezinye iikhredithi, nokuba zikwezinye izinto zebhanki, iya kuba yinto echazayo ekunikezelweni kwabo. Ukuba yeyona nto iphambili ukuba ukhululekile kwezi ntlawulo. Omnye umba obaluleke kakhulu kwinkqubo uza kuvela kwiimveliso ezibhaliswe kunye nequmrhu, kuba ikhonkco elikhulu liya kukunceda kwinkqubo yokuboleka imali.
Kwaye ekugqibeleni, Bade bafune ubukho besiqinisekiso ukuxhasa umsebenzi webhanki. Ngokwesiqhelo iya kuvela kwindawo ekufutshane nosapho, okanye ubuncinci kwisangqa sakho sabahlobo. Kuba ukusayina ikhontrakthi kuya kuchaphazela omabini amaqela, kungoko kufuneka kuthathwe inyani. Ayothusi into yokuba imali eninzi isemngciphekweni, mhlawumbi ukuya kuthi ga kwi-100.000 euros.
Zeziphi iikhredithi onokufikelela kuzo?
Ewe akuyi kuba lula konke konke, kuba izindululo zebhanki ziya kuncitshiswa kakhulu ngumda ophakamileyo omiselweyo. Ukujongana nawe Imigca yetyala esusela kwi-60.000 ukuya kwi-100.000 euro. Kwaye bayathengiswa phantsi kweempawu ezithile zokuzazisa eziqhelekileyo kubo bonke, ngokungathandabuzekiyo nakweyiphi na iglasi.
Bahamba, ewe, ngokwemigaqo ebuyayo eguqukayo, ethi isukela kwiinyanga ezi-6 kuphela ukuya kuthi ga kwiminyaka esi-8. Nokuba unakho ukuyenza ibe semthethweni ngokufanelekileyo ukusuka ekhaya ngokusebenzisa iifomathi zayo ezikwi-Intanethi, kwaye ungagcina amatyala ambalwa eshumi kwiirhafu zomsebenzi obhalisiweyo.
Okokugqibela, umzuzu obalulekileyo uza kuza ukujonga inqanaba lenzala eziya kuthi zisebenze kuwe xa zikunika zona. Uya kuba nomndilili we-9% okanye i-11%, kwaye apho unokongeza khona iikhomishini ezinokuthi uzifake kwikhredithi. Ezona zixhaphakileyo zezo zibhekisa ekuvulweni, ekufundweni nasekuhlawulweni kwembuyekezo kwaphambi kwexesha, ezakumela phakathi kwe-0,50% ne-2% yemali efunekayo.
Eyona ndlela ilungileyo yekhredithi
Ngokusekwe kwezi mpawu, kuya kufuneka ukhethe imodeli efanelekileyo kakhulu kwiimfuno zakho zenkxaso mali. Esona sisa sikhulu, ngaphandle kwamathandabuzo, sesona sinikezelwa nguBanco Pichincha ngoku. Inikezela ukuya kuthi ga kwi-100.000 euros Kwibango ngalinye, ngenqanaba lokhuphiswano elinokhuphiswano kakhulu le-7,50%, kunye nelona xesha liphezulu lokuhlawula iminyaka esi-8. Nangona kunjalo, kuya kufuneka ubonelele umvuzo wakho ukuze isicelo samkelwe. Ukuba akunjalo, amaxabiso aya kunyuka kakhulu.
Enye into ekufuneka uyenzile ukufikelela kwezi zixa zininzi yile yenziwe yiBhanki ngaphantsi kweMali mboleko yakho. Nika ukuya kuthi ga kwi-90.000 euro, ngokubuya kwiinyanga ezi-6. I-Banco Santander, ngenxalenye yayo, ikwasebenza nala margins orhwebo, kunye nelayini yokuthenga ngetyala echazwe kwi-60.000 euro. Kwaye ixesha elide lokuhlawula, elikhuphuka ukuya kwiminyaka esi-8.
Okokugqibela, i-Bankia yenze esinye isindululo esifanayo kula matyala akhethekileyo, athe avela kwinto ekuthiwa yi-Super Credit. Inika amaxabiso afanayo ngokubhekisele kwizindululo zangaphambili, nangona iyinto enqabileyo ebonelela ngokwahlukileyo ukwenziwa kwayo ngokusemthethweni kukwi-intanethi. Ukunika ubuchule obukhulu ekusebenzeni,
Iimpawu zezi mboleko
Njengoko ezi zingamajelo enkxaso-mali abanzi ngakumbi Banempawu zorhwebo ezahlukileyo kwezinye izindululo ezingafunekiyo. Kwaye kuya kufuneka uyithathele ingqalelo xa usenza isivumelwano semvumelwano sayo nayiphi na kwezi mveliso zebhanki.
Ukuzama, ngawo onke amaxesha, ukufezekisa ukonga ngakumbi ekuqeshweni kwabo ngemodeli yokhuphiswano, kodwa nokususa elona nani likhulu lenkcitho. Kwaye oko kuyakugxila kule migca ilandelayo yesenzo sikuveze apha ngezantsi.
- Kuya kufuneka ujonge uyilo mali olwenziwe phantsi inzala ekhuphisana kakhulu, Kwaye ngezithembiso eziboniswe ziibhanki ungazithoba ezantsi komqobo we-10% ngezindululo ezithile.
- Uya kunyuselwa ngokufanelekileyo ngenxa yomdla wakho, kodwa ngokuqinisekileyo ngokutshintshiselana ngqo kwi-payroll yakho okanye kwingeniso eqhelekileyo. Iya kuba yeyona mfuno inzima ekufuneka uyijongile ukujongana nenkqubo yesicelo, kwaye kuyo nayiphi na imeko ingaphezulu kwezinye.
- Ukuphelisa inkcitho engaphezulu, awuzukukhetha ngaphandle kokuxhomekeka kwiikhredithi ezikhoyo ukhululwe kulo naluphi na uhlobo lwekhomishini kunye nenkcitho kulawulo lwayo. Ayothusi into yokuba uya kusindisa i-euro eninzi ekusebenzeni, eya kukunceda ugcine iakhawunti yakho yokutshekisha ulwelo ngakumbi.
- Eyona ndlela yokuziqhelanisa neemfuno zakho kukukhetha imodeli ebandakanya ixesha le ukuhlawulwa ngokulula ngakumbi. Uya kuba nakho ukuyikhawulezisa ngokukhawuleza, kodwa ukuba awunakukwazi ukuhlawula kakhulu ngenyanga, njengenye indlela uya kukhetha ixesha elide.
- Kuya kuba yimfuneko ukuba funa iimali ozifuna ngenene, kungabikho ngaphezulu okanye ngaphantsi, kwaye ungaze ube ngaphezulu kweemfuno zakho zokwenyani zemali Ayothusi into yokuba ingakhokelela ekunyukeni okugqithileyo kwinqanaba letyala, ongenakukwazi ukulithatha.
- Ngokungafaniyo nezinye izindululo kwimali mboleko eyenziwe ngamashishini emali, ababoneleli ngamaxesha obabalo, enokukunceda ujongane nale nkqubo kwizikhundla ezingcono ukubuya kwakho, ngakumbi ekuqaleni.
- Ngokuqinisekileyo unesindululo sokuba inxulunyaniswa nokwenza ikhontrakthi kwezinye iimveliso zebhanki (izicwangciso zepenshini, i-inshurensi, imali yotyalo-mali, njl. njl.), njengendlela yokunciphisa inzala eya kusebenza kwikhredithi yakho. Inokude iye kwiipesenti ezimbini zamanqaku ngaphezulu kwendlela yokuqala.
- Ukunqongophala kwezindululo kolu hlobo lwemali ngokuqinisekileyo kuya kukuthintela ekufumaneni uyilo oluluncedo ngakumbi kwimidla yakho, kunye nophuculo kwintengiso yayo. Izibonelelo ezenziwa ziibhanki zihamba phantsi kweendlela ezifanayo zorhwebo.
- Kwaye okokugqibela, ayizukulimaza ukugcina engqondweni ukuba iimfuno ziya kuba nzima ngakumbi, kwaye ngekhe ukwazi ukuhlangabezana nazo. Kwaye ngenxa yoko, kuya kufuneka unikezele-kwilishwa lakho- lo mgca ukhethekileyo wekhredithi.