Lo ngumahluko phakathi komboleki kunye nombolekisi okhoyo

Umahluko phakathi komboleki kunye noMboleki

Ukuba ufuna ukucela, okanye sele ubandakanyeka, kwimali-mboleko, i-jargon enxulumene nayo yinto ekufuneka uyiqonde. Nangona kunjalo, rhoqo umahluko phakathi komboleki kunye nombolekisi awucacanga ncam, kwaye ngamabinzana amabini abhekisa kumanani ahlukeneyo.

Ngaba uyafuna ukwazi ukuba yintoni umboleki? Kunye nombolekisi? Ukuba kude kube ngoku ubucinga ukuba kuyafana, siya kukubonisa ukuba akunjalo, kwaye uya kubona ukuba yintoni umahluko phakathi kwabo ukuze uthathe yonke into ingqalelo ngaphambi kokuba ukhethe lowo ulungele wena.

Kuthetha ukuthini ukuba ngumbolekisi

umntu ofumana imali-mboleko

Ngaphambi kokuba unike umahluko, kufuneka uqonde kakuhle ukuba igama ngalinye eliza kudlala libhekisa kwintoni. Kule meko, umboleki-mali nguloo mntu unemali kwaye unokuboleka omnye umntu.

Ngamanye amazwi, yiyo eza kubolekisa ngemali kwaye iyixhase ngemali yayo. Noko ke, asiyonto ilahlekileyo, kodwa kunoko kukuba omnye umntu kufuneka akubuyisele, ngaloo ndlela loo mali-mboleko ibe yeyomzuzwana.

Ngale nkcazo, ibhanki inokuthi ifike engqondweni. Okanye ezininzi, kuba zihlala zingamanani ajongene nokunika imali mboleko kunye nokwenza umsebenzi wabo njengombolekisi. Nangona kunjalo, zininzi ezinye iindidi zababolekisi. Ezona zixhaphakileyo zezi zilandelayo:

  • Amaqumrhu ebhanki.
  • Amanye amaqumrhu axhasa ngemali. Ezi zinto zaziwa kancinci, kodwa zikhona.
  • abantu ngabanye. Kuba banokusebenza njengababolekisi.
  • Amaziko amatyala oluntu. Enye yezona ziyaziwa kakhulu yi-ICO.

Ngaphandle kokuboleka loo mali, umbolekisi wenza inzuzo ngayo. Kwaye kukuba, ukongeza ekubuyiseleni imali obuyishiyile, kuyinto eqhelekileyo ukuba ufumane inzala ehlawulela ukulahlekelwa yimali okwexeshana. Noko ke, akusoloko kunjalo. Ngamanye amaxesha, ngakumbi kwimeko yabantu, olu hlobo lomdla alunakwenzeka.

Kuthetha ukuthini ukuba ngumboleki

mboleko

Emva kokwazi kakuhle isibalo somboleki, Ngaba unayo nayiphi na ingcamango ngoku ukuba ngubani oza kuba ngumboleki?

Umboleki uya kuba ngumntu ofumana imali ebolekwa ngumbolekisi. Ngamanye amazwi, nguye ocela loo mali komnye umntu aze ayifumane.

Kodwa, ngeso sizathu kanye, ifumana uthotho lwezibophelelo. Enye yazo, kwaye eyona ibalulekileyo, yinyaniso yokuba Kuya kufuneka ubuyisele imali oyicelileyo ukongeza, kwiimeko ezininzi, inzala ethile eyimbuyekezo efunyanwa ngumbolekisi ngokukushiya imali. Ngokuqinisekileyo, kufuneka yenziwe ngexesha elivunyelweneyo kwaye ngaphandle kokulibazisa kuyo nayiphi na imeko.

Ukwenza oku, kufuneka usayine isivumelwano kunye nombolekisi omisela yonke imiqathango eya kulawula isivumelwano abafikelela kuso, oko kukuthi: yimalini ebolekwayo, iya kuba yintoni inzala, ixesha lokubuyisela. loo mali Izobuyiswa njani...

Njengombolekisi, umboleki usenokuba ngumntu wabucala okanye iziko elisemthethweni (Ndiyayiqonda inkampani enjalo okanye uluntu). Ngamanye amazwi, nabani na unokucela imali, kodwa kuphela xa ehlangabezana neemfuno ezifunwa ngumbolekisi unokuyifumana.

Umzekelo, khawube nomfanekiso wakho kukho umntu ofuna ukucela i-6000 yee-euro ebhankini. Nangona kunjalo, loo mntu akanamsebenzi, okanye nantoni na egameni lakhe. Ibhanki iya kusikhaba isicelo sokukunika le mali kuba ayinasiqinisekiso sokuba loo mntu uya kukwazi ukukuhlawula. Ngamanye amazwi, Kuba bengenanto egameni labo enokubaqinisekisa ngokubaboleka imali, ibhanki ayithembi ukuba, ukuba bayayiboleka, banokuyibuyisela kuba umngcipheko uphezulu kakhulu.

Uthini umahluko phakathi komboleki kunye nombolekisi?

ukubalwa kwenzala kwimali-mboleko

Ngoku uyazi ukuba la manani mabini akhoyo phakathi kwemali mboleko, umahluko phakathi komboleki kunye nombolekisi usenokuba uye wacaca kuwe. Kodwa, njengesishwankathelo kunye nokudibanisa, sikushiya apha zonke iiyantlukwano onokuzifumana:

  • Imali: Kule meko, umboleki ngumntu onemali aze ayinike omnye umntu, umboleki. Ngokwenxalenye yakhe, umboleki ngumfanekiso ofuna loo mali.
  • Imfanelo: Nangona bobabini benezibophelelo kulwalamano abalusekayo, ezi zahlukile phakathi kwabo. Kwimeko yombolekisi, uxanduva abanalo kukuboleka imali abayibeke kwikhontrakthi. Ukongeza, kufuneka uthobele yonke into ekuvunyelwene ngayo kweso sivumelwano, ungabi nako ukutshintsha iimeko ngokuthanda kwakho (yiyo ke loo nto kubalulekile ukuba kubekho uxwebhu lwesivumelwano phakathi kwamaqela). umboleki unyanzelekile ukuba abuyisele imali ebibolekiwe (kunye okanye ngaphandle kwenzala) njengoko kuphawulwe kwisivumelwano. Ngamanye amazwi, inokubuyiselwa inyanga nenyanga okanye ngemihla ethile de uhlawule ityala lakho naloo mntu okanye iziko. Ngokuqinisekileyo, unokuba ngaphambi kwemihla ebekiweyo. Ukongeza, unokurhoxa kwikontraki esayiniweyo (logama nje iintsuku ezili-14 zingadlulanga emva kokusayina).

Sikunika umzekelo ukuze yonke into icace ngakumbi kwaye uqonde umahluko: Khawucinge ukuba, ngenxa yesizathu esithile, kufuneka ucele ilungu losapho ukuba licele uncedo lokuboleka imali. Uthetha naloo mntu kwaye ufikelela kwisivumelwano se-10.000 ye-euro. Ukwenza oku, usayina uxwebhu apho ufumanisa ukuba ngubani oshiya imali kubani. Oko kukuthi, ngubani umboleki (umntu onaloo 10.000 euro) kwaye ngubani umboleki (umntu ofuna i-euro eyi-10.000).

Nje ukuba wenze:

Umntu one-10.000 euros, Umbolekisi uthatha umngcipheko ngokukuboleka imali ngaphandle kokwazi ngokuqinisekileyo ukuba uya kuyifumana na. Ukongeza, uyazi ukuba, rhoqo x ixesha, uya kuyibuyisela loo mali (kunye okanye ngaphandle kwenzala).

Umntu ofuna i-euro ezili-10.000, umboleki, ngaloo ndlela ufumana ityala lomnye umntu. Kwaye ukuze uhlawule, kufuneka ubuyisele imali rhoqo kax ide iphele kwaye yonke into oyibolekiweyo ibuyele kumntu oyenzileyo.

Njengoko ubona, omabini amanani ahluke kakhulu omnye komnye kwaye umahluko phakathi kombolekisi kunye nomboleki ngokusisiseko ulele kwingqikelelo yegama ngalinye eliza kudlala. xa kukho ukubolekwa imali. Ngaba yonke into icace ngakumbi kuwe ngoku?


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