Amatyala-mboleko: ntoni? Mboleko ukuba akhokhele ezinye mboleko

Ukukhula ngokukhawuleza lekhredithi yemakethi kukhokelela kukuba abantu bayayiqhela kwamandla abo. A ithuba elililo ukufumana ngokukhawuleza ukusebenzisa into ayikho imali eninzi kakhulu, nto enyanzela abaninzi ukuboleka imali enkulu ngaphandle ecinga ukuba kungekudala emva koko, imali kuya kufuneka ukuba anike.

Thatha omnye umntu, uhlawule zabo

Amaxesha amaninzi ukuhamba ngesiquphe, ukugula okanye engayenzanga nje kuthintela umboleki kungafezekiswa kweemfanelo zalo ngetyala ngexesha. Kodwa loo ukulibala "ukuphathwa" lula kakuhle. Ukuhlawula ngokuphinda-phinda okunyanzelisa isohlwayo intlawulo kade, kokukhona ngokutsha uqeqesho lwabo zemali. Noko ke, Amaxesha amaninzi, zonke ezi zinto inzima kakhulu ngakumbi. Nengxaki kwezoqoqosho, abantu abaninzi baphelelwe ukukwazi kwabo ukubhatala. Ingaba oku kungenxa uphelelwe ngumsebenzi okanye ezinye izizathu, akukho kubaluleke kangaka.

Amatyala kwi mboleko. Yintoni ukwenza ntoni? Ingxubakaxaka ebomini yaye kwiwalethi

Emva kokufunda nasiphi na isivumelwano sentengo yemboleko, uqinisekile ukufumana kukho ingongoma ngokupheleleyo makazise ibhanki naluphi na utshintsho ebomini bakho, nokuba kukho utshintsho kwidilesi, indawo yomsebenzi okanye usapho. Ingakumbi kumayelana amandla akho okuhlawulela. Into yokuqala ekufanele uyenze - yiya ebhankini uze wenze kube ngcono ukuba iiveki ezimbini okanye ezintathu ngaphambi kokuba ukuvela okulindelekileyo ematyaleni. Zama ukuthetha-thethana lokumiswa kwetyala okanye loyamano ishedyuli yentlawulo. Ngoko unako ukubonisa ibhanki ukuba sikhathazekile malunga amatyala-mboleko, funda ukulungisa indlela imeko ilahleko oluncinane ngokwabo.

Khumbula, zonke iingxoxo kunye ibhanki kufuneka lwenziwe kuphela ngembalelwano. Emva koko, uya kuba nako ukubonisa ukuba ubhenele ngokwenene kwiziko ngenjongo zokusombulula ingxaki yehlabathi. Isicelo ngokuqinisekileyo iya kuluthakazelela amaxwebhu engqina ukuba sizathu, ukuze ukuba uye ebhankini, kuhle ngokwenene. Kunokuba isiqinisekiso esivela kumqeshi ukuba base- umvuzo, ikopi yerekhodi yengqesho kunye irekhodi ukugxothwa, isiqinisekiso kwiziko lengqesho, sisicatshulwa esithathwe nobusi. Iimephu ezibonisa uxilongo kunye neerisithi ukuba iinkqubo zexabiso okanye iziyobisi. Abasebenzi ibhanki iya khangela aze athathe amanyathelo afanelekileyo.

Ukuba awunalo ithuba atyelele iziko lemali umntu, thumela ileta amaxwebhu, kuphela mfuneko eqinisekisiweyo nge isamkelo sokubuyisa eceliweyo.

Yimalini Ukubambezela

Sinako bathi ebhankini kangangexesha elithile nokuba kuyingenelo "ukulibala" lwabathengi, njengokuba kwakuza kufuneka uhlawule isohlwayo ukuba ngosuku ngalunye ukulibaziseka mboleko. ubukhulu ezintle ibe ukusuka 0,01 ukuya-3% ngosuku, okanye ngendlela isixa esiqingqiweyo. Kukho iimeko apho ibhanki uhlawula inzala kungekuphela yena-mboleko, kodwa phezu izohlwayo kunye nezohlwayo ezingahlawulwanga ngexesha. Ngoko ke imali yetyala kwandisa phantse ngokucacileyo yonke imihla.

Ukongeza, phantse zonke isivumelwano sentengo iqulethe igatya phantsi apho ibhanka unilaterally bafune intlawulo yokuqala ye-mboleko ngenxa waphula imiqathango yeso sivumelwano. A ukusilela ukuhlawula kukophula nje enjalo.

Ngaba sancedakala phofu ukufihla?

Ngoko ke, ukuba amatyala-mboleko. Yintoni ukwenza ntoni? Khetha ukusombulula lo mbuzo eninzi, kodwa yintoni kanye akuyomfuneko ukuba uyenze ukufihla ukusuka elunxwemeni iingxaki zakho zemali. Musa ucinge ukuba umlibale uze usixolele ityala. Ukuba abasebenzi kwiziko lemali musa exasperate iminxeba yakho iileta, izizathu oku kuba ezahlukeneyo, kodwa ukulibala - omnye nje hayi kubo. Ezinye iibhanki nje abanayo inani labasebenzi basabela ngokukhawuleza yokulibaziseka incinane, kunye nezakhiwo ezahlukeneyo - uhlobo loshishino, ukuze ndithethe, kukho umthombo wengeniso. Ngapha koko, le elide wena musa yakuhlawula, kokukhona uya ekugqibeleni ubuze, ingakumbi ukuba uthathe imali-mboleko nxamnye nayiphi na ipropati.

Emva kokuba intlawulo eziliqela ebesilindelwe, ibhanki iya ukunibhalela kwi "kuluhlu black", yaye imbali yekhredithi linokonakala. Nokuba uthe wagqiba umba kunye lokuhlawula imali-mboleko, xa kuvela iingxaki ezintsha. Ke ukuba imali yetyala mboleko iza kudlula 1.5 million engange., Ibhanki angafuna ingqalelo dodgers kuwe. Kulo mzekelo, wena ezisongela nje kuphela imali enkulu, kodwa ibinzana entolongweni wokwenene - ukuya kutsho kwiminyaka emibini entolongweni.

Makhe Masivumelane! ngokutsha

Ebibekiwe kwetyala kwi mboleko? Buza abasebenzi yebhanki malunga namathuba ngokutsha kuyimfuneko kwindawo yokuqala. Ngowe-90% amatyala baza ukuba enze umnyinyiva kubaxhasi bawo abakulo nemeko enzima. Oku kwenzeka ngenxa yokuba ngumthetho kufuneka yebhanki ngengeniso zayo ukwenza ingxowa esigquma mboleko eseleyo. Oku kuthetha ukuba kunciphisa iziko yenzuzo, kodwa hayi impahla yayo. Ngoko ke, nayiphi na ibhanki kubaluleke unomdla kwinto yokuba fund enjalo ezincinane kakhulu, kuba imali kufuneka basebenze.

Into yokuqala omawuyenze ukuba abhale ingxelo kwi ngokutsha ematyaleni. Emva kokuqwalaselwa ibhanki isigqibo into uyenze ngokulandelayo. Isisombululo kakhulu uya kuba njalo ekuphelisweni imvumelwano entsha (okanye isivumelwano ancedisa kwesele ikhona) ixesha elide kunye nokuhla ngaxeshanye kwi mali kwemali ngenyanga.

Ngamanye amaxesha, ingakumbi xa lungaba ibhanki ukuba ubunzima unalo ixesha, uyakwazi ukunika ityala iholide. Oku kuthetha ukuba intlawulo enqununu kwi-mboleko limisiwe, kwaye kuya kufuneka ukuba uhlawule kuphela inzala. Iifayini nezohlwayo kulo mzekelo, kakhulu, akayi kuhlawuliswa. Le nkonzo zinako ukunika kubaboleki zabo isithuba iveki enye ukuya kwiinyanga ezimbalwa. Ukuba ngeli xesha, imeko yakho yemali akuthethi ngcono, siya kufuneka ukufumana enye indlela yokuphuma.

Enye mboleko? mboleko

Ukuba ngokutsha amatyala zange isebenze kuwe, ngenxa yesizathu esithile ibhanki wala kuwe, ungazama enye indlela - mboleko ukuze ahlawule ezinye iimali-mboleko. Mboleko zingafumaneka kwiziko enye okanye uqhagamshelane nayiphi na enye oyithandayo.

nkonzo ukuze ezifanelekileyo, umzekelo, imali-mboleko, okanye kwimeko apho imali-mboleko yakho ethile. Kule meko-mboleko ukuhlawula ezinye mboleko ziya kukunceda ukuba uphephe ukudideka iintlawulo kwiibhanki ezahlukeneyo. Emva zonke isithutyana zinokwahluka, kunye nengozi intlawulo engahlawulwanga elandelayo kwandisa amaxesha amaninzi. Kusenokuba kucetyiswa ukuba kuthathwe-mboleko entsha mali ezaneleyo uhlawule ngokupheleleyo zonke ezinye iimali-mboleko, kwaye esweni ngokusondeleyo inzaliseko kwangethuba nezibophelelo zawo.

kutsala iziqinisekiso

Une amatyala-mboleko: ntoni? Fumana iziqinisekiso ethembekileyo. Le yenye indlela ukuze kulungiswe umba, leyo zingakunikeza igosa mboleko. Njengoba nje wena musa peregruppiruete imali yawo kwaye uqale ukuzalisekisa iimfanelo zabo ngokupheleleyo, waba ngummeli wowona ulungileyo uya kwenza nokuqinisekisa amandla akho okuhlawulela. Kakade ke, kuya kufuneka ukuba ubonise indlela yokuhlawula amatyala ka waba ngummeli wowona ulungileyo, oko kwakuya kufuna impahla epheleleyo yamaxwebhu, ngokuqhelekileyo ngokufanayo umboleki. Nangona kunjalo, khumbula ukuba xa nangoku akukwazi ukuhlala kunye elunxwemeni, wonke umthwalo uxanduva luya kuwa phezu waba ngummeli wowona ulungileyo.

Goes nokuzingela: berhafu depressants

Ukuba unetyala iidola ngaphezu kweshumi, kwaye ukunxibelelana abasebenzi ebhankini kwakho siyaphepha, amatyala wakho ukudluliselwa iinkampani yokuqokelela. Ngamanye amaxesha ezi zakhiwo ngentlawulelo ngokupheleleyo ityala yakho ebhankini kwi-mboleko, kodwa inkoliso abaqokeleli ukusebenza naye phezu imiqathango kwabangaphandle. Oko kukuthi, ukuba kukho inkonzo ngexesha elinye-kwimeko nganye. ngokuqhelekileyo Unxibelelwano kunye neenkampani kakhulu mnandi ngaphezu kokuba incoko kunye nabasebenzi yebhanki. Nangona kufuneka ukuba usebenze-sikhokelo esemthethweni, xa kusenziwa, oku kuyenzeka akusoloko.

Ngokomthetho, isixhobo sokuqokelela kufuneka uqhagamshelane kuqala nani phezu ifowuni uze uzame ukuba akweyisele ukuba uhlawule ityala ngokuzithandela. Ngaphezu koko, le khosi imeyile ngqo. Sokuqokelela kufuneka kukwazisa ngembalelwano ukuba ibhanki wamyalela ukuba ukuchacha kwetyala lakho ngoku kwi-mboleko, ukucacisa inani ematyaleni isithutyana. Ukuba le leefoni linanzwe nguwe, umsimelelo iinkampani yokuqokelela bazama ukudibana nawe buqu. Ukuze benze oku, ukuba unokuza ekhayeni lakho okanye nomsebenzi. Ukuba akukho manyathelo kwaziswa iziphumo ezidibanisayo, inkampani ingqokelela angenza isicelo enkundleni enyanzelekileyo zokuqokelelwa kwamatyala.

Ukuba oku kuyenzeka, unga zama ukusebenzisa iinkonzo antikollektorov. Ezi imibutho zomthetho, kakuhle umsebenzi ukukhusela kubaboleki evela kwiibhanki okanye kubaqokeleli. Kwakhona nokudakumba kunceda ukwehlisa isixa zesohlwayo kunye ukuphumeza nokuguqulwa isohlwayo kwi-mboleko.

Enkundleni?

Ukuba nangoku akukwazi uyavumelana ngoxolo kunye ebhankini, ngoko kungekudala iza kuhamba iingxoxo ukuya enkundleni. Ndinoloyiko oku kuyimfuneko, ityala bhala-zibekho kwi mboleko akunakwenzeka ukuba zenzeke, kodwa ngexesha semali mboleko ulingo emkhenkceni. Oku kuthetha ukuba akukho kuphinda ezongezelelekileyo izohlwayo kunye izohlwayo kunye nemali iyonke liyayeka ukuba kuvuka ngokuthe chu. Kungenxa yoko le nto iibhanki badla ukuya enkundleni kuphela njengecebo lokugqibela. Ngapha koko, kude kube oko kuyenzeka, imali yetyala lakho liyaqhubeka ukwandisa, yaye ngoko, nokwanda kunye ingeniso mhlawumbi le bhanki. Ngamanye amaxesha kuziwa yokuba imali iyonke izohlwayo kunye nomdla kude idlula ityala ngokwalo. Ukuba uyazi akuyi kuba kanye oko unako ukuhlawula imali-mboleko kwixa elizayo, kwaye isivumelwano ibhanki akakwazi - uzive ukhululekile ukuya enkundleni ngokwabo. Inkundla, Kakade, uya kwenza isigqibo sokuba ndiboleke kuwe umva, kodwa ngokuxhaswa nommeli abanamava, uya kukwazi ukuphumeza afanelekileyo ngokwawo iimeko buyiselo.

amacebiso aluncedo

Musa ukungenwa bathembele yokuba uya kukulibala kuni evela kokuphela kwexesha nciphiso (iminyaka emi-3). Esi sikhundla bangadlala nawe a joke logonyamelo. Emva kweminyaka emi-3, isicelo enkundleni ukuze abe nako nje ebhankini, kodwa wena. Ngoko ke akayi kuba nako ukuchacha ityala lakho. Kodwa akukho bani kumphazamisa ukuthengisa abaqokeleli akho amatyala. Kwaye la manene ziya kukwazi nabonakalisa ukuphila kwakho ixesha elide, ngenxa yokuba kungekho ngummiselo ukulinganiselwa. Kwaye abaninzi kangaka uya kukwazi ukuthatha nawe nabaqokeleli, uThixo uyazi.

Mboleko wenza ukuba ahlawule: apho

Ukuba uthathe imali-mboleko nxamnye imoto, indawo yokuhlala okanye enye impahla, ukunyanzelisa into yokuqala iya kuba nge intengiso kwipropati. Ukuba isixa asanelanga, amehlo bailiffs yaba imali njengemali yesizwe okanye zangaphandle, yaye kuloo myalelo. Emva koko, ngethuba eseleyo impahla onetyala kukaThixo, ukuba iyafumaneka. Ubuncinane ubunzima umvuzo wakho, igosa kuphela hayi ngaphezulu kwe-50%.

Kwaye ukuba akuyi kuba nako ukukhetha up

Musa ukuba kubanjwa ukuba uhlawule ityala kwi-mboleko:

• ukutya, isixa esilingana iindleko zokuphila onke amalungu entsapho;
• izinto zasekhaya kunye izinto zasekhaya - .. Iimpahla, izihlangu, ifenitshala kuyimfuneko, njl, ukongeza izinto zexabiso, leyo sibenokubizwa njengendawo kumatshini wokuhlamba, microwave, iprosesa ukutya, juicer, TV, njalo njalo.,.
• izinto eziyimfuneko ukuze imisebenzi yabo, umzekelo, ukuba ngaba violin, violin uya kuba nawe;
• izinto umntu abakhubazekileyo - iintonga, isitulo (nokuba imali eninzi kakhulu);
• izilwanyana, imfuyo, iinkukhu, ngaphandle kokuba ezifuyelwa iimfuno zabo;
• mbasa, amabhaso, amabhaso zesizwe, iimedali;
• izibonelelo zentlalo, iinzuzo kunye nembuyekezo, umzekelo, ixhoba.

Ngendlela, ukuba indlu ngenxa amatyala zentengo yemboleko iya kuwe kuphela ukuba - kuphela indawo, efanelekileyo yokuhlala usapho isigxina okanye isibambiso kwi mboleko. Kukwasebenza kwanjalo kumakhaya zabucala kunye nomhlaba.

Ndinokubuphepha njani oku kwixesha elizayo

Kuyinto nzima gqitha xa kukho amatyala-mboleko. Kufuneka wenze ntoni ukuze baqhubeke oku akuzange kwenzeke, wonke umntu uzenzela isigqibo ngokwakhe. Noko ke, ukugcina imithetho elula, sinako azame ukuzikhusela ngokwabo kwiimeko ezinjalo.

1. Phambi kokuba uthathe imali-mboleko, cinga ngendlela uza ukunika.
2. Musa ukuthatha mboleko ezininzi ngexesha elinye. iintlawulo ekugqibeleni ibe azifikeleleki.
3. Funda isivumelwano sentengo yemboleko, ingakumbi indawo, ebhalwe print encinane. Emva koko izohlwayo kunye nemirhumo akusayi kuba endinibekele yona.
4. Ukuba imali mboleko mkhulu ngokwaneleyo, zama ukuba inshorensi, kwixesha elizayo oko kunokuba luncedo.
5. Kwimeko apho naliphi na imeko esingenakubonwa kwangaphambili kufuneka ngoko nangoko qhagamshelana ibhanki ze uzame ukusombulula umba ngoxolo.

Landela ezi zikhokelo, umlibale malunga neengxaki, ubuncinane de kube lelo xesha ude ufumane imali-mboleko entsha.