Ukunikezwa kwamanje kwekhredithi kubandakanya ukufaka iziteshi zezimali ezingekho phezulu ngokweqile, okwenziwa ngokunikezwa kwezinhlobonhlobo izikweletu. Kuthuthukiswe ngaphansi kwamasu ahlukene wokuhweba ngokuya ngamanani abo, kepha noma kunjalo ayatholakala cishe kubo bonke abasebenzisi bebhange, kufaka phakathi wena. Kepha kwenzekani lapho izidingo zezimali zifuna kakhulu futhi kudinga amanani aphakeme kakhulu.
Isimo sishintshe kakhulu, futhi iziphakamiso ezinikezwa ngamabhange zikhawulelwe kakhulu emananini azo, kunciphisa iziphakamiso. Futhi kulokhu kwengezwa ukuqina ezimweni zenkontileka. Kungenzeka kungaseneli ukuhlinzeka nganoma iyiphi inkokhelo, kepha ngisho nokuba khona kwesiqinisekiso kuyadingeka, futhi uze uphoqeleke ukuthi wethule i-akhawunti yokuhlola enempilo kakhulu. Kunoma ikuphi, izidingo zizoba nzima kakhulu, futhi mhlawumbe ngeke ukwazi ukuzihlangabezana neziphakamiso eziningi.
Ungathola isimo esithile lapho udinga khona inani eliphakeme kunokujwayelekile. Ngezizathu ezahlukahlukene, ukubhekela isimo esiphuthumayo esivela noma nini, noma lapho ubhekene nesidingo sokubhekana nokusebenza kokubaluleka okuthile. Izimalimboleko ezinikeza ama-euro ayizi-5.000, ama-10.000 noma ama-euro angama-20.000 ngeke zikusebenzele. Uzodinga amanani aphakeme, phakathi kuka-50.000 kuya ku-100.000 euros. Ukusabela kwakho kokuqala kuzoba ukubona ukuthi umnikelo webhange wehliswe kanjani kakhulu, ngaphezu kwalokho ongakholelwa ekuqaleni.
Izamba ezingafika kuma-euro ayi-100.000
Manje uzothola iziphakamiso ezimbalwa, hhayi eziningi uma isidingo sakho senziwa ngaphansi kwalezi zimakethe zokufunwa. Zakhiwa ngaphansi kwemvume enomkhawulo omkhulu wama-euro ayi-100.000. Kuyiqiniso ukuthi ngeke ube nokuningi ongakhetha kukho, kepha okungenani uzoba nemigqa embalwa yesikweletu onalezi zici.
Enye into ezodonsa ukunaka kwakho yi- ukuqina kwezimo. Bazoqina kakhulu, nezidingo ezithile zokuthi bamukele isicelo. Ngokuqinisekile kuzoba yisithiyo esikhulu ekunikezeni inani eliphakeme kakhulu.
Lesi sigaba semalimboleko emikhulu sithengiswa ngaphansi kwezikhathi ezicacile zokuhweba. Akubona bonke abamangali abazokwazi ukufeza inhloso yabo, futhi ezimweni eziningi ngeke babe nenye indlela ngaphandle kokubheka ezinye izixazululo (amalungu omndeni, ukubolekwa kwemali phakathi kwabantu, ukuhola kwabasebenzi, njll). Yize kungenzeka ukuthi ekugcineni ngeke bakwazi ukuhlangabezana nalesi sidingo esidingekayo. Ngaphandle kokuthi - kunjalo - uyimali mboleko ekhethwayo futhi unepasi lamahhala kulolu hlobo lwezezimali.
Ukungaqiniseki kokuqala ozoba nakho kusukela ekuqaleni ukuthi uyakwazi yini ukufinyelela kulezi zimali mboleko. Okufanele unikeze izidingo ezimbalwa kuhlelo lwakho lokusebenza. Ngenxa yalokho, kufanele wazi kusengaphambili ukuthi ibhange lizokucela ukwenzani ukuze wenze umsebenzi ube semthethweni. Uma uhlangana nabo, siyakuhalalisela, ngoba uzoba neminyango evulekile kwesinye sezikweletu ezikhethekile kunazo zonke ezethulwa yizikhungo zezezimali ngalo mzuzu oqondile.
Yini amabhange azoyicela kuwe?
Okokuqala kufanele ukucacele lokho izimo njengamanje zifuna kakhulu kuneminyaka embalwa edlule, ngemuva kwenhlekelele yezomnotho eyaqala ngo-2008. Akumangalisi ukuthi amabhange awafuni ukwanda kwenani labakhokha imali, futhi kumele aqiniseke ukuthi ungakuthola ukukhokhelwa kwabo. Akusekho okungaphansi. Uma ungahlangabezani nezimfuneko, kufanele uvalelise imvume yakho ngokuqinisekile.
Okokuqala Bazofuna ukukhokhelwa kokuhambisana okuthile, ngokuvamile kusuka kuma-euro angama-2.000. Uma kunokwenzeka kusuka kunkontileka yomsebenzi unomphela noma engapheli. Kepha ngeke kube ukuphela kombandela, kufanele wethule umlando omuhle webhange, futhi nokuthi awufakiwe kunoma yiluphi uhlu lwabakhokhi (RAI, ASNEF, njll.).
Uma unenkontileka yamanye amakhredithi, noma ngabe akhona kwamanye amabhange, kuzoba yinto enquma ukunikezwa kwabo. Ukuba yinto ephambili ukuthi awunazo lezi zindleko. Enye into ebaluleke kakhulu kule nqubo izovela kumikhiqizo ebhaliswe yibhizinisi, ngoba ukuxhumana okukhulu kuzokusiza ohlelweni lokunikeza imali mboleko.
Ekugcineni, zidinga nokuba khona kwesiqinisekiso ukusekela ukusebenza kwebhange. Imvamisa kuzoqhamuka emndenini wakho osondele kakhulu, noma okungenani ovela kubangani bakho abaseduze. Njengoba ukusayinwa kwenkontileka kuzothinta zombili izinhlangothi, yingakho-ke kumele kuqashelwe elinye iqembu. Akumangalisi ukuthi imali eningi isengozini, mhlawumbe kuze kufike ku-100.000 euro.
Yimaphi amakhredithi ongafinyelela kuwo?
Vele, ngeke ube lula nhlobo, ngoba iziphakamiso zebhange zizokhawulelwa kakhulu ngumkhawulo omkhulu obekiwe. Ebhekene nawe olayini besikweletu kusuka ku-60.000 kuya ku-100.000 euro. Nokuthi zimakethwa ngaphansi kwezimpawu ezithile zobunikazi ezijwayelekile kubo bonke, ngokungacacisi kunoma iyiphi ingilazi.
Bahamba, yebo, ngamagama wokubuyisa aguquguqukayo, okuyi isukela ezinyangeni eziyisi-6 kuphela kuye eminyakeni eyisishiyagalombili. Noma kungenzeka ukuthi uyenze ibe semthethweni ngokunethezeka ekhaya ngokusebenzisa amafomethi ayo aku-inthanethi, futhi ungagcina izikweletu ezimbalwa zeshumi kumazinga wenzalo emsebenzini obhalisiwe.
Ekugcineni, umzuzu obalulekile uzofika ukubheka izinga lenzalo amabhange azosebenza ngayo kuwe lapho ekunikeza yona. Uzoba nesilinganiso sokuzungeze i-9% noma i-11%, futhi lapho ungangeza khona amakhomishini okungenzeka uwafaka kwisikweletu. Okuvame kakhulu yilokho okubhekiswe ekuvulweni, ekufundweni nasekunxephezelweni kwemali ekhokhwa ngaphambi kwesikhathi, ezomela phakathi kuka-0,50% no-2% wenani elifunwayo.
Olayini abahamba phambili besikweletu
Ngokuya ngalezi zici, uzodinga kuphela ukukhetha imodeli efaneleke kakhulu yezidingo zakho zezimali zomuntu siqu. Okuphana kakhulu, ngaphandle kokungabaza, yilokho okwamanje okunikezwa nguBanco Pichincha. Inikela ngama-euro angama-100.000 kwisimangalo ngasinye, ngenani lenzalo elincintisanayo elingu-7,50%, kanye nesikhathi esiphakeme sokubuyisela seminyaka eyi-8. Kodwa-ke, kuzofanele unikeze umholo wakho ukuze isicelo samukelwe. Uma kungenjalo, amanani azokhuphuka kakhulu.
Enye indlela okufanele ufinyelele kuyo la manani amakhulu yilena eyenziwe yi-Bankinter ngaphansi kwe-Personal Loan yayo. Nika ama-euro angama-90.000, nembuyiselo kusuka ezinyangeni eziyi-6. IBanco Santander, nayo, isebenza ngalezi zimakethe zentengiso, ngentambo yesikweletu ebekwe kuma-euro angama-60.000. Futhi ngenkathi yokukhokha ende, ekhuphuka ifike eminyakeni eyi-8.
Ekugcineni, uBankia wenze esinye isiphakamiso esifanayo ngalawa macala akhetheke kakhulu, asebenze ngendlela ebonakalayo ekuthiwa yi-Super Credit. Inikezela ngamanani afanayo maqondana neziphakamiso zangaphambilini, yize njengokusha kunikeza okuhlukile lokho ukwenziwa ngokusemthethweni kwayo kusefomethi eku-inthanethi kuphela. Ukunikeza ukushesha okukhulu ekusebenzeni,
Izici zalezi mboleko
Njengoba lezi kuyiziteshi ezibanzi zezimali Zinezici zokuhweba ezihlukile kwezinye iziphakamiso ezingafuneki kangako. Futhi nokuthi kufanele ucabangele lapho wenza inkontileka yanoma iyiphi yale mikhiqizo yasebhange.
Ukuzama, ngaso sonke isikhathi, ukuthola ukonga okukhulu ekuqashweni kwabo ngemodeli yokuncintisana kakhulu, kepha futhi kususwe inani elikhulu kakhulu lezindleko. Futhi lokho kuzogxila kakhulu kule migqa yokusebenza esikuvezela yona ngezansi.
- Kufanele ubheke lowo mklamo wezezimali owenziwe ngaphansi inzalo yokuncintisana kakhulu, nokuthi ngokuhlinzekwa okwethulwe ngamabhange ungakwehlisa ngokweqile ngaphansi kwesithiyo se-10% ngokusebenzisa iziphakamiso ezithile.
- Uzoba nokukhushulwa okuhle kakhulu kuzintshisekelo zakho, kepha ngokuqinisekile ngokushintshanisa idebithi eqondile yomholo wakho noma imali ohola njalo. Kuzoba yimfuno ebanga kakhulu okufanele ubhekane nayo ukubhekana nenqubo yokufaka isicelo, futhi kunoma yisiphi isimo ngaphezu kwezinye.
- Ukuqeda izindleko ezengeziwe, ngeke ube nokhetho ngaphandle kokuncika kumakhredithi akhona akhululiwe kunoma yiluphi uhlobo lwekhomishini nezindleko ekuphathweni kwayo. Akumangalisi ukuthi uzokonga ama-euro amaningi ekusebenzeni, okuzokusiza ukuthi ugcine i-akhawunti yakho yokuhlola ingamanzi amaningi.
- Indlela enhle yokuzivumelanisa nezidingo zakho ukukhetha imodeli efaka inkathi ye- ukwehliswa kwemali okuguquguqukayo. Uzokwazi ukuyikhokha ngokushesha, kepha uma ungakwazi ukukhokha imali ekhokhwa kakhulu ngenyanga, njengenye indlela uzokhetha imigomo emide.
- Kuzoba kubaluleke kakhulu lokho funa amanani owadingayo ngempela, noma ngaphezulu noma ngaphansi, futhi ungalokothi ube ngaphezu kwezidingo zakho zangempela zezimali. Akumangalisi ukuthi kungaholela ekwandeni ngokweqile ezingeni lesikweletu, ongeke ukwazi ukusithatha.
- Ngokungafani nezinye iziphakamiso zemalimboleko ezakhiwe izinhlangano zezezimali, abanikeli izikhathi zomusa, lokho kungakusiza ukubhekana nale nqubo ezindaweni ezingcono ukubuya kwakho, ikakhulukazi ekuqaleni.
- Impela unesiphakamiso okungukuthi kuxhunyaniswe nenkontileka yeminye imikhiqizo yasebhange (izinhlelo zempesheni, umshwalense, izimali zokutshala imali, njll.), njengefomula yokwehlisa amanani enzalo azosebenza kukhredithi yakho. Ingakhuphuka ize ifike kumaphoyinti amabili wamaphesenti kunendlela yokuqala.
- Ukuntuleka kweziphakamiso kulolu hlobo lwezezimali kuzokuvimbela ekutholeni idizayini ezuzisa kakhulu izintshisekelo zakho, kanye nentuthuko ekumaketheni kwayo. Okunikezwayo okwenziwe ngamabhange zihamba ngaphansi kwezindlela ezifanayo zokuhweba.
- Futhi ekugcineni, ngeke kulimaze ukukhumbula ukuthi izidingo zizoba nzima kakhulu, futhi mhlawumbe ngeke ukwazi ukuhlangabezana nazo. Futhi ngenxa yalokho, kufanele unikele - ebubini bakho - lo mzila okhethekile wesikweletu.