Iindawo apho ungakwazi ukuthatha ngetyala ngenxa abangasebenziyo

Phambi kokuba uyazi apho uthathe imali-mboleko abangasebenziyo, esongeza ukuba kukho iindidi ezininzi zabantu, ezifana njengabasebenzi abazimeleyo okanye abantu abasebenza nje phezu kwabo, ukuba abakwazi ukuqinisekisa ngokusesikweni imali. Emehlweni kubananisi ngokupheleleyo abantu abangaphangeliyo, kwaye ngetyala bakwazi ukunika phandle kuphela ngamazinga aphezulu umdla. Ngoku, kwiindawo ezininzi lomsebenzi kufuneka ithuba ukusebenza ukude kwaye kuthathelwe ingqalelo enye ndiyakuthanda. Kukulungele kanye ukuba umqeshi kunye nomqeshwa, kodwa engonelisekanga kunye namaziko ngetyala.

Ngoko ke, ngaba kunokwenzeka ukuba i mboleko abangasebenziyo? Impendulo engagungqiyo: yes. Yonke into ebalulekileyo kukuba abasebenzi ezamahala akukho iirekhodi zengqesho, ngaphandle kwezi ngxelo ukulungiselela abathengi bhanki ingqalelo abangasebenziyo. Ngelo xesha, iimeko zemboleko ezinikezelwa yi egcina imali, zibukhali kakhulu. Ngokomzekelo, amanye amaziko zebhanki neziqhuba iinkqubo ezithile ngetyala, usenokukhupha i-mboleko ngaphandle kweziqinisekiso kunye nemibuzo ngexeshana elifutshane. Kodwa asingabo bonke elula kangaka. imali Ikhutshwe kulinganiselwe kakhulu, yaye minyaka le umyinge wenzala nje lugqithe ngaphaya umda (uyakwazi kufikelela ukuya kwi 75%!).

kwenzala kwimali-mboleko, nto leyo kwenziwe utshintsho kwimo express indize phezulu, kwaye ukukwazi ukunika imali mboleko kunqabile ngaphezu kwe-100 lamawaka. engange. operation Akukho logcino akuthethi kunokubangela iingxaki ezinjalo, ngoko ichaze ngokubanzi malunga nendlela ukufumana imali-mboleko abangasebenziyo. Eyona nto ibalulekileyo kukuba kukho inani elincinane amaxwebhu (bathi minimal: ivame zimiselwe yokundwendwela) zingafumaneka kuphela lokuthenga. Ukuze -mboleko okanye imoto mboleko elide amaxwebhu ayimfuneko engqina yonke inzuzo zabathengi. Le ndlela kunciphisa kakhulu uluhlu iindawo apho ungakwazi ukuthatha ngetyala ngenxa abangasebenziyo.

Ababoleka asoloko efuna ithuba lokuba imali infusions ethile ecaleni, ngenxa yokuba amaziko zebhanki ukukhutshwa mboleko ngaphandle standard yokuqinisekisa yengeniso, encinane kakhulu. Kule meko kufuneka uqhagamshelane abarhwebi ngetyala. Ayayifunda ungubani yomboleki kwaye, xa isaneliswa yokuhlawula amatyala epheleleyo client, linokudlulisela ibhanki iqabane (kakade, ipesenti ethile). Kakade ke, isiphumo mntu ogqibeleleyo ngokwenene ethembisa, kodwa amathuba okufumana imali-mboleko uza kuvuka kakhulu. Le yinkundla kuqala kokuhlambeleyo, apho ungakwazi ukuthatha imali-mboleko abangasebenziyo.

Unga kwakhona ukuqesha iinkonzo mikrofinansistov. Nakuba kunjalo, zisebenza ikakhulu kunye mboleko ezincinane kunye emba eqolo (elinokuba ukufikelela 500% ngonyaka), kodwa oko akufane umntu onwabe. Asimele ukuvala amathuba ngentsebenziswano pawnshop, inzala apha kwamkelekile kakhulu, isihla malunga 15-30% ngonyaka. Kodwa ukufumana isixa esiqinileyo kufuneka unikele ubuncinane bar esiluqilima segolide. Ngamanye amaxesha, ingakumbi Lombardy ke phantsi ixabiso izivatho zenu, kwaye umthengi ofumana ixabiso engabalulekanga ngokupheleleyo. Nangona oku kwakhona indawo ethandwa kakhulu ukuthatha imali-mboleko abangasebenziyo, kodwa yakwenza pawnshops ngcono kuncitshiswe.

Ngoko ke, siye ingqalelo iindlela eziphambili lokufumana mboleko abangaphangeliyo kwaye wafumanisa ukuba iimeko kubo phantse naphi nezinzima. Ukuba ngaba awunayo i engqinelanayo ungeno kwi ncwadi, kungcono ukuba ukuboleka imali evela nabahlobo kunye nezihlobo, nkqu irisithi. Kungenjalo, nibe kakuhle i "angazikrazuli khumba ezintathu." Qaphela kwaye ukhangele enye indlela.