Akwazi ngokufumanisa yembali yakho yamatyala?

Kubomi sonke kukho amaxesha xa imfuno engxamisekileyo kakhulu imali. Ngokwendalo, uninzi mzuzu yokuqala ugqiba kwelokuba aye ibhanki ukuze bafumane imali. Noko ke, oko kuyenzeka ukuba ibhanki ngenxa yesizathu esithile owalayo ukukhupha imali efunekayo, wayebhekisela yokungathembani ye client. Wazi njani imbali yakho yamatyala? Kodwa, isimiso, phambi kokuba isicelo kwiziko zemali-mboleko, kungakuhle ukuba ukuhlola iingxelo zabo, ukuba umbolekisi wobuqili umntu okhohlisayo eli xwebhu. Ukuze ufunde ukukhangela indlela yembali yakho yamatyala, yintoni na, siza kuthetha ngayo kweli nqaku. Yinto eyaziwayo ukuba imbali credit ingxelo equlathe ezintathu:

- isihloko, equlethe ulwazi olusisiseko malunga mboleki, bavulelele ukuba yesazisi yayo lula. Umzekelo, igama, iinkcukacha yokundwendwela , njalo-D..;

- basic, equlethe ngokwako yinkcazelo unomdla kakhulu kumaziko zemali, oko kukuthi, izibophelelo ngetyala, nemihla yentlawulo, amaqondo enzala ekhoyo ... Kungokwemvelo ukuba apha ziquka data kwi mboleko lwangaphambili nasele lubuyiswe, nangokupheleleyo. Kwakuloo ndawo ibonisa iintlawulo emva kwexesha, ukuba ikhona, izohlwayo ethe kunye nezohlwayo, ezomthetho neenkqubo, kunye nezinye iinkcukacha zendlela buyiselo-mboleko ;

- ivaliwe okanye inxalenye ezongezelelweyo iqulethe amakhonkco imithombo enokuthenjwa yolwazi apho ingxelo wenziwe, kwakunye abantu enze imibuzo data.

Wazi njani yembali yakho yamatyala, ukuba isigqibo sokuba isicelo iBhanki onke bembuza efanayo? Ukulungiselela le njongo, kukho ofisi ezizodwa. Yokuba ngokuphelele free, kodwa kanye ngonyaka, uyakwazi ukubona imbali ngetyala igama lakhe. Kwimeko ye imfuneko nyaka kuyenzeka ukuba wenze i esingenakubalwa izihlandlo, kodwa ibe lidini lentlawulo. Ibhanki, leyo usifakile isicelo semali-mboleko, uya kuba nako ukujonga ingxelo, kodwa ukuba uwuphumezile amandla egqwetha, apho umbolekisi i izicelo mboleki ngoko nangoko xa libhalisa.

Inkqubo zokufumana ingxelo ingqibelelo yakho yemali - hayi ngokukhawuleza kwaye kulula. Ekuqaleni, isicelo sithunyelwa kwi-National Credit Bureau, apho kukho ulwazi malunga apho kulondolozwa ingxelo ehambelana kwisicelo sakho. Ukufunda idilesi elungile, musa ukumangaliswa xa bathe bakubuza ikhowudi ye isifundo yembali yakho yamatyala. uxwebhu nganye, njengokuba usazi, kukho inani elithile, oku kwenzeka ngokufanayo kule ngxelo. Wabelwe kwisivumelwano zonke esitsha setyala, ukuze ukwazi ukufumana oko mhlawumbi ngokwesivumelwano setyala okanye ebhankini okanye iziko elifanayo lamatyala.

Oku konke iyaqondakala, kodwa uyazi njani yembali yakho yamatyala ngokwakho? Too sites abaninzi namhlanje zinika iinkonzo ezifanayo, kodwa kubalulekile ukukhumbula ukuba yokugcina inkcukacha ngaye olukhuselwe ngumthetho, ukuze nabani na le ngcaciso iya kwaziwa na. Kakade ke, ukuba le nkonzo bacelwa ukuba ahlawule, ngoko ke lumka - ungafumana engeyiyo ngokupheleleyo ngemali yakho nzima! Zama kangangoko ukuba uqhagamshelane ibhanki, oye wenza njengoko umboleki, khona ukuba anithanga kunceda ufumane uxwebhu awayesibawela, kodwa ngokuqinisekileyo ukuxhokonxa endleleni eyinyaniso, ukuba ukwazi indlela yembali yakho yamatyala.

Kwaye ekugqibeleni Ndingathanda ukunika iingcebiso - ukwenza iintlawulo kwangethuba. Kwaye indlela eya kulula ukuthatha ngetyala - eyakho!