Amaqonga ezemali akwi-Intanethi abe zizithuthi onokuthi uzimangalele iimali mboleko ezincinci. Ukusuka kwi-50 ukuya kwi-800 ye-euro, kwaye phantse ayisoze- ngaphandle kokunye- izixa eziphezulu. Le yimigca ekhethekileyo yetyala ebonakaliswa ikakhulu indlela elula yokufumana, kodwa kwangaxeshanye ngenxa yeemeko zekhontrakthi eziye zabonakaliswa phantsi kwamazinga enzala aphezulu kakhulu kunakwimali mboleko yesiqhelo.
Izindululo ngokubanzi ezithiwe thaca ngaba babolekisi zidibene nophuhliso lwezinto ezinomdla kunye nokunyuselwa onokuthi uzuze kuko kwimvume. Uninzi lwazo lusekwe kwi ibango lakho lokuqala lenziwa ngokusesikweni ngaphandle kokuba uhlawule nayiphi na inzala. Oko kukuthi, kwi-0%, kwaye ngaphandle kwezinye iindleko kulawulo lwayo. Nangona kunjalo, kuya kufuneka ufunde ngononophelo ushicilelo oluchanekileyo lweekhontrakthi zabo, kuba zinokubandakanya ezinye iimfuno zokungena kwezi modeli zenkxaso mali.
Olu hlobo lwentengiso luyenziwa ngezindululo ezinobundlongondlongo ezikwenza ungabinako ukumelana nokwamkelwa kwazo. Akumangalisi ukuba ukumiliselwa kwayo kubangelwe ngumnqweno wokuba ezi nkampani kufuneka zizazise kubathengi abanokubakho beempawu zabo zorhwebo. Kwaye apho uninzi lwazo lukhulisa izibonelelo ezifanayo kuzo zonke, kwaye ngaphandle kokungafani.
Iikhredithi ezincinci ngokufikelela ngokulula
Uncedo lweemodeli zabo zenkxaso-mali isekwe kwinto yokuba abayi kukubuza ngeemfuno ezininzi zokuthengisa iimveliso zabo. Kwanele ukuba ubudala obusemthethweni, kwaye ubuncinci umvuzo omncinci kubo ukuba bamkele isicelo sakho. Ukongeza, uya kuba nemali efunekayo ngokukhawuleza kwi-akhawunti yakho yokujonga, kungekho ngaphezulu kweentsuku ezi-1 okanye ezi-2.
Kwaye ngenxa yoko, ungayisebenzisa ngayo nayiphi na injongo, ukusuka ekuhlawuleni i-whim encinci, ukuhlawula ityala phambi kwabantu besithathu, ngaphandle kokulibala ukuhlawulwa kwexesha oya kuthi ujongane nako elifutshane: amatyala asekhaya, iifizi zeinshurensi kunye noxanduva lwerhafu, phakathi kwabanye.
Indawo yokuchasana kwezi meko ngokuqinisekileyo zesisa kwiprofayili yakho njengomthengi uvela kuyo olona lawulo lwenzala lubanzi lusetyenzisiweyo kwii-microcredits zakho. Ewe unokufumana iikhredithi ze-euro ezingama-300 eziya kuthi zibonise ukuba kukho imali ethe kratya yokwamkelwa kwesivumelwano. Kwaye kunokubathatha ukuya kuthi ga kwi-30%, eya kuthi ikhokelele ekwenzeni iinzame ezinkulu zokuvala umsebenzi.
Izibonelelo ezinikezelwa ngababolekisi
Ngaphandle kwayo yonke into, amaqonga ezemali ndizise uthotho lwezibonelelo, Kwaye phantsi kweemeko ezithile, banokukuzisela izibonelelo ezininzi ekuqeshweni kwakho. Kulungile ukuba ubazi, ukuba nangaliphi na ixesha ufuna imali encinci ngokukhawuleza, kwaye ukhubaze amajelo ebhanki ukuze bakunike.
Elinye lawona macebo aqhelekileyo okusetyenziswa kweenkampani ezixhasa ngemali kwi-Intanethi kukususa iqondo lenzala kwezi mveliso. Ziyathengiswa njenge iikhredithi zasimahla, ngaphandle kwenqanaba lenzala, ikhululwe nakwiikomishini nakwezinye iindleko kulawulo lwayo. Kodwa zivumelekile kuphela kwiimfuno ezingafunekiyo, kunye nomda ophezulu we-euro ezingama-300.
Baza kufuna iimeko ezimbini. Kwelinye icala, ukuba ungumthengi omtsha, kwaye kwelinye, ukuba uyayithobela imihla ebekiweyo esekwe ngamaqonga ezemali ngokwawo. Kwaye ukuba awuzithobeli, oko kuya kuthetha ukuhlawulwa kwezohlwayo ezibiza kakhulu kwimidla yakho.
Ayizizo zonke izibonelelo zentengiso ezikhohlakeleyo ngokulinganayo, ewe akunjalo, kodwa ziya kuncitshiswa kwezinye iimeko ngokuzisebenzisa phantsi kwezaphulelo kwinzala evelisiweyo. Banokuphakama bakunike iibhonasi ukuya kuthi ga kwi-50%. Kukho ezinye ezijolise kubathengi abatsha, abangaze abathengi sele benxibelelene neenkampani.
Izaphulelo eziphantsi zokuqhubela phambili
Ayisiyiyo kuphela isicwangciso sokurhweba esisetyenziswa ngala maqonga, kodwa bayazisebenzisa nakubathengi abasele besele. Ayilolize, into emalunga nokwakha ukunyaniseka kwabathengi, into exhaphake kakhulu kwiindawo zebhanki, ukuze abasebenzisi baphucule iimeko zesivumelwano semveliso zabo zemali. Yeyona ndlela imfutshane yokufumana izibonelelo ezininzi kolu didi lwemali mboleko.
Kule meko ithile, baprinta iibhonasi ukuya kuthi ga kwi-25% kwimali-mboleko yabo encinci ngokuxhomekeke kwinani lamaxesha oyisebenzise ngayo le nkonzo. Kwaye ngenxa yoko, Okukhona uye wafuna imali mboleko engakumbi, kokukhona uya kuba nezaphulelo ezingakumbi ezisebenza kuwe xa usayina utyando. Injongo kukugcina umthengi, kwaye ngenxa yoko bazama ukunxibelelanisa ngakumbi negama lezorhwebo, kwaye ke oko kukuthintele ukuba uye kwiinkonzo ezibonelelwa kukhuphiswano.
Bade baqhubeke nangakumbi kwinjongo yeendlela zabo zokurhweba, bezama ukubandakanya abantu abaninzi kwinkqubo yezomthetho. Le modeli isekwe ekubhekiseni kwabanye abathengi, ukusebenzisa uyilo lwentengiso olufunyenwe ngamanye amacandelo obugcisa. Ngale ndlela, ukuba ubasa komnye umthengi, nobabini ninokuxhamla ekusebenzeni.
Njani? Ewe, ilula kakhulu, ukuba ungumntu othembekileyo komnye umthengi, uya kufumana idipozithi akhawunti. Ayizukuphakama kakhulu, kodwa ubuncinci iya kusebenza ukukunika into encinci. Ngelixa ulundwendwe ukuba ujoyine naliphi na kula maqonga ezemali, uya kufumana nje imali-mboleko encinci simahla, oko kukuthi, ngaphandle kwenzala, nangona unexesha elide lokuhlawula, eliya kuthi lilinganiselwe iiveki nje ezimbalwa.
Izinto eziluncedo kubathengi abatsha
Ngayiphi na imeko, uya kuhlala unakho ukufumana izixhobo ze Zuza kwimeko yakho njengomthengi omtsha ukuthatha ithuba lokufumana iimeko zobhaliso ezenziwa ngababolekisi ngokukhethekileyo. Njengoko bekutshiwo ngaphambili, phantsi kokuxolelwa kwiqondo lenzala, kodwa nangezinye iindlela zorhwebo ezisekwe kwisaphulelo, okanye ngesibonelelo esitsha, kwaye uhlala unenkcazo xa usamkela imali mboleko phantsi kwale meko.
Ke, sakuba samkelwe isindululo esitsha, qhubeka nokwenza imisebenzi ibe sesikweni kunye neemeko ngokubanzi ezilawula olu didi lweemveliso zenkxaso-mali yasekhaya. Kuya kufuneka uyibuyise kuphela.
Le yimisebenzi ethi Kuya kufuneka ubhalise xa uyidinga nyani, bangaze bazibophelele kwizibonelelo abazibonisayo. Kwaye ngakumbi kwiimeko apho iibhanki zilikhanyela ibango lakho. Ngenxa yokungxamiseka kokwenza intlawulo ngokungxamisekileyo. Ukwenza umsebenzi wakho wokuqala ngezi nkampani zincinci zemali kuya kuhlawula.
Izitshixo ezisibhozo zokuxhamla kwezi zithembiso
Ukuba ufuna ukuzisebenzisa ezi zindululo, awuzukukhetha ngaphandle kokufunda amagatya abo ngononophelo. Kwaye ukuba ibango lingxamisekile ngokwenene, khetha loo mali-mboleko incinci elingana neprofayili yakho njengomsebenzisi wolu hlobo lweemveliso zemali. Iya kukunceda uphume ngaphezulu kwengxaki enye, kodwa ngaphezulu kwako konke ukubuyisela ibango elaliwe yibhanki yakho. Ukuyifumana, hayi ngentlawulo yomvuzo (okanye ipenshoni), kodwa ngolunye uhlobo lwengeniso kwiakhawunti.
Nditsho Ukuba awuphangeli kwaye ufumana uhlobo oluthile loncedo lwaseburhulumenteni, ayizukukwenza ulahle le mali, nangaphantsi kwenyuselo eboniswa zezi nkampani. Ziphuhliswa ikakhulu ngababolekisi, ngesibonelelo esiya phezulu ngalo mzuzu, kwaye ngenxa yeemfuno zebhanki ezinkulu.
Ukongeza, kuya kufuneka ubale ukuba iibhanki azithengisi mboleko ngemali ephantsi kangako, nangamagama amafutshane okuhlawula. Kodwa ukuze imisebenzi yakho ikhule phantsi kwemeko efanelekileyo kwimidla yakho, awuzukukhetha ngaphandle kokungenisa ezinye zeengcebiso esiziveze apha ngezantsi.
- Zama ukufumana ifomula ukuze imali mboleko encinci oyifunayo ungaphuma simahla, ngaphandle kwalo naluphi na uhlobo lweendleko ezongezelelweyo. Ngokuqiniseka ukuba amathuba awasayi kusilela ngokubonelelwa ngamaqonga ezemali.
- Thatha ithuba lokufumana iklayenti elitsha.
- Kuya kufuneka uhlalutye, ngaphandle kwento yokuba unikezelo lwezixhobo ezizodwa zokuxhasa ngemali zisimahla, Ixesha elimisiweyo onalo lokubuya, nkqu nokufuna ukuba uvale umsebenzi kwiintsuku ezimbalwa.
- Izixa-mali onokuzifuna ngezi zinto zincinci kakhulu, kwaye zisenokungakuncedisi ekuhlawuleni ezona ndleko zingxamisekileyo. Uya kufane ukwazi ukubanga ngaphezulu kwe-euro ezingama-300 ngale ndlela yokuthengisa.
- Zisebenza ngokukodwa ekujonganeni neendleko ezingxamisekileyo, kwaye abanakulinda ixesha elide de bakunike. Ukutshintshiselana, ewe, ngokuhlawula inzala ebiza kakhulu, kwaye kwezinye iimeko kungalingani.
- Kuya kufuneka ube kwi imeko yezemali inyibilika ngokwaneleyo ukuba ibe noxanduva lomsebenzi, nokuba zincinci kangakanani ezi mboleko kwi-Intanethi. Kwaye nakwizibonelelo abazinika ukubhalisa.
- Unyuso olunikwe amandla kwintengiso alunakubalwa, nangona kuya kufuneka ukhethe kuphela leyo ihambelana neemfuno zakho zokwenyani, kwaye kunjalo kwiprofayile yakho njengomthengi.
- Kwaye okokugqibela, khumbula, ukuba ngokubanzi ezi mveliso zezemali Unokwenza ngokusemthethweni kuphela kwi-intanethi, kamnandi ekhaya, okanye emsebenzini. Kwaye okona kubaluleke kakhulu, nangaliphi na ixesha losuku, nokuba kusebusuku okanye ngeempelaveki. Ngaphandle kokufuna ubukho bayo nayiphi na iofisi ukuze usayine ikhontrakthi.
NdinguNANA RODRIGUEZ ngegama ngale ndlela ndiboleke ngayo imali, ndihlala eMEXICO, SPAIN ndingumhlolokazi okwangoku ndinabantwana ababini kwaye bendixakwe yimeko yemali kwiveki ephelileyo kwaye bendidinga ukuphinda ndibhatale Amatyala kwaye intombi yam yayigula kakhulu ngexesha lokufa. Ndizamile ukukhangela iimali mboleko ezivela kumashishini abucala nakwimashishini abolekisa ngemali kodwa zange ndaphumelela, kwaye uninzi lweebhanki lwalile ikhredithi yam. Kodwa ekubeni uThixo wayefuna ukuba ndiziswe kumfazi kaThixo ngumbolekisi wabucala ondinike imali mboleko ye- $ 190,000.00 USD kwaye namhlanje ndineshishini kwaye abantwana bam baqhuba kakuhle okwangoku esikolweni, nceda, oku Kuyinyani ukuba kufuneka unxibelelane nayiphi na inkampani ngokubhekisele ekufumaneni imali mboleko ngaphandle kwesibambiso, ngaphandle kokutshekishwa kwekhredithi, ngaphandle kwesiqinisekiso ngenqanaba lenzala kuphela i-2% kunye nezicwangciso zokuhlawula ezingcono kunye neshedyuli, nceda unxibelelane noMnu.S.SELEL.IWEALA COMPANY mboleko yeyona ilungileyo Ndiza kuthi, ndonwabile ngoku kwaye ndaye ndagqiba kwelokuba abantu bazi ngakumbi ngaye kwaye ndifuna ukuba uThixo amsikelele ngakumbi kunokuba unokuqhagamshelana naye namhlanje nge-imeyile yakho: (shelterloanfirm@outlook.com)