Imali-mboleko yebhanki: yintoni na, iintlobo, indlela yokufaka isicelo, iimfuno

Imali-mboleko yebhanki: yintoni na, iintlobo, indlela yokufaka isicelo, iimfuno

Xa imali ingezi into esifuna ukuyithenga, amaxesha amaninzi isisombululo esifika engqondweni mboleko zebhanki. Kodwa ziyintoni kanye kanye? Ngaba kukho iintlobo ezahlukeneyo?

Ukuba okwangoku ukwisikhundla sokucela enye kodwa awazi ukuba lolona khetho lungcono, apha siza kuthetha nawe ngokubanzi malunga nayo yonke le nto ukuze wazi ukuba ungalindela ntoni.

Zithini iimali-mboleko zebhanki

Zithini iimali-mboleko zebhanki

Ngokutsho kweRAE, imali-mboleko yebhanki ithathwa njenge "isixa-mali esiceliweyo, jikelele kwiziko lezemali, kunye nesibophelelo sokuyibuyisela ngenzala«.

Ngamanye amazwi, sijongana nentsebenziswano phakathi kwebhanki, ethatha indima yomboleki, kunye nomntu odinga loo mali, umboleki. Ewe, ukuboleka loo mali, kufuneka kusetyenziswe uthotho lwenzala, oko kukuthi, enye "imivuzo eyongezelelweyo" enenzuzo yokuba ezi bhanki ziboleke loo mali.

Nangona kwiimeko ezininzi iimali-mboleko zebhanki zicelwa ngabantu ngabanye, inyani yeyokuba kukho nezinye ezininzi ezigxile kwiinkampani kuba zinokuzicela.

Ngokwenene injongo yokugqibela yemali-mboleko asiyiyo enye ngaphandle kokunika umntu okanye inkampani isixa-mali esithile ukuze ikwazi ukuthenga okanye ukuhlawulela inkonzo ethile okanye ukuthenga. Nangona kunjalo, inyaniso yeyokuba kusenokubakho izizathu ezininzi ezibangela ukuba loo mboleki afake isicelo sezi mboleko zebhanki.

Ziziphi ezona zinto zibalulekileyo kwiimali-mboleko zebhanki

Xa ufaka isicelo semali mboleko yebhanki, kufuneka uthathele ingqalelo imiba esisiseko ekufuneka uyiqonde ngokugqibeleleyo. Oko kukuthi:

  • Capital: eya kuba yimali ecelwe ebhankini. Qaphela, kuba oku kungabi nguyena okunika wona ekugqibeleni, ekubeni kamva ibhanki inokufikelela, ukukhanyela okanye ukunika esinye isiphakamiso.
  • Inzala: lixabiso umboleki kuya kufuneka alihlawule ngokuboleka inkunzi. Yimali eyongezelelweyo ebalwa kwimali-mboleko nganye ziibhanki.
  • Ixesha: Lithuba lexesha apho umntu kuya kufuneka abuyise yonke imali eyinkunzi eceliweyo kunye nenzala.

iintlobo mboleko

iintlobo mboleko

Amaxesha amaninzi, xa ucinga ngeemali-mboleko zebhanki, uhlobo olunye luhlala lufika engqondweni, ukanti kukho ezininzi ezinokucelwa. Ukuze kucace, ezi ziya kuba:

  • Mboleko mboleko. Zezo zisebenzela ukuxhasa ngemali imfuno ethile yomntu ngexesha elithile. Kule meko, banokuba:
    • Yokusetyenziswa. Ikwabizwa ngokuba yikhredithi. Zisetyenziselwa ukuthenga into entle enokuhlala ixesha elide, njengemoto.
    • Ngokukhawuleza. Zezo zamkelwe ngokukhawuleza, nangona kwiimeko ezininzi zinokuba nomdla omkhulu ngakumbi.
    • Kwezifundo. Njengoko igama layo libonisa, zizo ezisetyenziselwa ukuhlawula izifundo kunye neendleko eziveliswa kwizifundo.
  • Iimali-mboleko zezindlu. Injongo kabani kukuba nemali yokuxhasa ikhaya, ishishini, indawo, njl. Ezi zihambisa izixa eziphezulu zemali kwaye zihlala zifuna isiqinisekiso sokuba sinikezelwe.

Zicelwa njani iimali-mboleko zebhanki

Zicelwa njani iimali-mboleko zebhanki

Ngaba usenzile isigqibo sokucela imali-mboleko yebhanki? Ke into elandelayo ekufuneka uyenzile kukwazi apho kufuneka uye khona ukuze uyifumane.

ESpeyin zininzi iintlobo zababolekisi onokuya kuzo, kodwa ukuba sithetha ngeemali-mboleko zebhanki, ezona ndawo ziphambili zezi:

  • Amabhanki. Ingcaciso yeyokuba ungacela imali-mboleko kwiibhanki zaseSpain kunye nakwamanye amazwe ukuba nje banokumelwa eSpain.
  • Ugcino.
  • Imibutho esebenzisana nayo yokonga kunye nekhredithi.

Ngaphandle kwezi ndawo, imali-mboleko inokufunyanwa kwiinkampani zabucala (ezisebenza njengababolekisi-mali) okanye nakwiivenkile ezinkulu, iivenkile, iinkampani zamakhadi okuthenga ngetyala kunye namaqonga okuthenga ngetyala phakathi kwabantu ngabanye.

Njengomgaqo jikelele indawo yokuqala oya kuthi uzazise yona iya kuba yibhanki yakho, yaye ukuba uyakwala, okanye iimeko azikufanelanga, uya kuya kwezinye iibhanki okanye kwiibhanki zokulondoloza imali.

Zeziphi iimfuno ekufuneka uzifeze?

Ngaba uyafuna ukwazi ukuba zeziphi iimfuno Iibhanki ziza kukucela ntoni xa ufuna imali-mboleko yebhanki? Siqala kwisiseko sokuba ibhanki nganye inokufuna iimfuno ezahlukeneyo. Ke ukuba waliwe kwenye indawo, ungasoloko uyicela kwenye indawo.

Nangona kunjalo, ngokubanzi, kukho iimfuno ezibalulekileyo ekufuneka zithathelwe ingqalelo kwaye zezi zilandelayo:

  • Unokuba ngaphezu kwe-18 iminyaka. Oko kukuthi, ukuba neminyaka esemthethweni.
  • Yiba nesazisi esisebenzayo. Oku kubalulekile, nangona ukuba sithatha ingqalelo ukuba i-DNI inokufumaneka ukususela kwiminyaka eyi-14, uninzi luya kuhlangabezana nale mfuneko.
  • unayo i-solvency. Apha kufuneka sicacise. Kwelinye icala, kufuneka uqinisekise ingeniso eqhelekileyo, oko kukuthi, ubonise ukuba uya kuba nako ukubuyisela imali abaza kuboleka yona. Oku akuthethi ukuba kufuneka ube nayo yonke into, kodwa ngokwaneleyo ukuba unakekele izavenge zenyanga eziza kukwenza ukuba uhlawule.
  • nikeza isiqinisekiso. Yinto ebizwa ngokuba yisiqinisekiso sentlawulo okanye sokuvuma. Ezinye iimali-mboleko zebhanki aziyiceli, ingakumbi xa isixa-mali esimele ukubolekwa sisezantsi, kodwa kwezinye iimeko siyakwenza oko.
  • Ungabi kuluhlu lwabakreqi okanye ube nokungagqibekanga. Ukuba ukolu luhlu okanye ukusilela, abayi kukunika imali-mboleko, nangona kwezi meko ungaya kwiinkampani zabucala kuba abanye abayithatheli ngqalelo le mfuneko.

Ukongeza ekufezekiseni ezi mfuno, kufuneka kwakhona ube nothotho lwamaxwebhu akhoyo aza kuthi akhawulezise iinkqubo ngokukhawuleza kakhulu. Ngale ndlela sithetha ngayo:

  • DNI okanye iNIF.
  • Iakhawunti yeBhanki (Inani libalulekile ukwazi apho kuya kufuneka bafake khona isixa semali mboleko.
  • Intlawulo yamva nje okanye isivumelwano sengqesho (ukuqinisekisa ukuba ungayibuyisela).
  • Ingxelo yengeniso.
  • Iipropati egameni lakho.

Ngaphandle kwala maxwebhu, ibhanki inokuhlala icela ngakumbi phambi kokuba yenze isigqibo sokugqibela.

Ngoku ukuba uyazi yonke into enxulumene nemali-mboleko yebhanki, kuya kuba lula kuwe ukuba uchonge amagatya, iimfuno kunye nayo yonke into oyifunayo ukuyazi malunga nabo. Amathandabuzo? Thetha nathi ngaphandle kokuzinikela.


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