Imboleko kunye nekhredithi: yintoni umehluko kunye nendlela abafana ngayo?

Sivame ukudibana nemimiselo "mboleko" kunye "netyala". Uwuphi umehluko phakathi kwabo bantu abaqhelekileyo abanokuthi bangacaci. Ngokuqhelekileyo, umboleko ubizwa ngokuba yi "bhanti yebhanki". Nangona kunjalo, kukho umehluko omkhulu phakathi kwezi ngcamango ezimbini. Ukufumanisa indlela umbolekiso ohluke ngayo kwimboleko, kufuneka ufunde ngokubaluleka kwezoqoqosho ezi zimbini.

Ukwahlula kwinqununu phakathi kwemboleko kunye mboleko

Ngokubanzi, umboleko ngumyinge wemali ekhutshwe liziko lebhanki ixesha elithile. Impawu eziphambili zemboleko zihlawulwa, ukukhawuleza kunye nentlawulo. Oku kulandela ukuba olu hlobo lolwalamano alubhekiseli kwi-extradition yeemali ezibolekelelwe mahhala okanye ixesha elingenamkhawulo. Yintoni engenakutsholwa ngemboleko, okungekho nje ngemali elinganayo, kodwa nakwimo yepropati. Ukongezelela, inokunikezelwa kokubili kwisiseko esingabhawulwanga, kwaye sihlawulwe. Ngezantsi, iingcamango zokuthi "mboleko" kunye "netyala" zixutyushwa ngokubanzi. Uluphi umehluko ongaqondakalayo, ukuba ufunde kuphela iimpawu zabo eziphambili.

YeTyala

Imboleko inezinto ezilandelayo kunye neempawu ezahlukileyo kumboleko.

• Ubudlelwane phakathi komboleki kunye neziko lemali-mboleko elinikezela ngemali mboleko lilawulwa ngokubini yi-Code Code kunye nemithetho yezemali.
• Emva kokufunda iingcamango "zemboleko" kunye "netyala", yintoni umehluko phakathi kwabo onokubonwa kunye nabathathi-nxaxheba kulo mhlobo. Umboleki-mali angaba yinkampani esemthethweni ephethe ilayisenisi yeBhanki Ephakathi ukuqhuba imisebenzi yemboleko. Ingaba ngamashishini asebhanki, imibutho yezemali kunye nabanye. Umboleki-mali unokubambisana nemibutho yomthetho kunye nabantu bendalo.

• Ukuboleka kungenziwa kuphela ngemali.
• Umboleki-mali akayiyo eyimali eboleweyo, udlala indima yomlamli, kunye nemali eqokelelwayo idibanti yemali yabangaphandle kunye nenani lentlawulo efunyenwe kwabanye abantu ababolekayo kwezinye iimali-mboleko.
• Isivumelwano somboleko phakathi kwebhanki kunye nombolekeki kunyanzelekile ukuba siphelise naliphi na inani lemboleko.
• Ukuba ukhangeleka kwezoqoqosho ngokwemiqathango ye "mboleko" kunye ne "ngetyala", yintoni umehluko onokuthi uqondwe ngento yokuba ukuboleka kufuneka kuhlawulwe, oko kukuthi, umboleki-mali makabeke umyinge wenzala yokusetyenziswa kwemali eboleweyo. Ukongeza, unelungelo lokubandakanya iintlawulo zokuhambisa imali mboleko. Imboleko ingahlawulwa kwaye ihlawulwe.
• Izinga lomyinge we-interest rate akufanele libe ngaphantsi kwezinga lokuhlaziya ngexesha lokukhutshwa kwemali, ngaphandle koko umbolekisi uya kutshabalalisa, njengoko enembopheleleko yakhe kwisikhokelo semali yokubambisa imali kunye neemali mboleko.

• Umboleki-mali unokuhlakulela iimali-mboleko ezijoliswe kuyo, ezibandakanya ukudluliselwa kwemali efunyenwe ngumboleki, kuphela kwiinjongo ezichazwe kwisivumelwano semboleko.
• Unokuqaphela nokugqithiseka indlela umbolekisi ohluke ngayo kwimboleko ebhankini-oko kukuthi, ityala lomboleko libuyiselwa ngexesha elipheleleyo, kwaye ngemboleko-kwiimfakelo, ngokwemiselo ebekwe kwisivumelwano semboleko.
• Umboleki-mali unelungelo kwizizathu zomthetho ukuba afune ukuba umntu obolekayo abe nesibambiso ngendlela yepropati okanye ukuqinisekiswa kwamanye amaqela, kunye nokunyanzelisa iintlawulo zokuhlawulwa ngokukhawuleza kwemboleko.
• Ipropati ephantsi kobambiswano ibonwa njengento ebanzi, kwaye amalungelo omboleki ayenzileyo kuze kube yilapho umboleko ohlawulwa. Ukuba umonakalo kwipropati ivela, ibhanki inelungelo lokufuna imbuyekezo epheleleyo kumbolekayo , nokuba ngaba umboleki uhlawula ngexesha elifanelekileyo zonke iintlawulo zemboleko.
• Ukwahlukana phakathi kwemboleko kunye nemboleko mboleko kukuba, xa umboleki-mboleko unelungelo, ukuba umbolekisi wenqaba ukubuyisela imali eboleweyo, ukuba afune ukuba inkundla ihlawulwe ngokutsha ityala kunye nazo zonke iintlawulo.
• Imboleko ibonakaliswe ngokufumaneka kwemveliso ekhethekileyo yemboleko kunye nenkxaso karhulumente, evumela ukuba iindidi zabbolekayo zifumane imali kwimimiselo ekhethekileyo.

Inkcitho

Ngokuphathelele "umboleko" kunye "netyala", umahluko kukuba umboleko awufanele uhlawulwe ngokuhlawula imali. Imboleko enye yeendlela zokuboleka ngemali eyenziwa yibhanki okanye elinye iziko lemali. Umboleko ungabuye ufumaneke, umzekelo, kwishishini apho umntu asebenza khona, kunye nezinto ezinjalo.

Iintlobo zemali

Ngoko, umxholo othi "umboleko" usetyenziswa ngokubanzi kunokuba "i-credit", kwaye inezi ntlobo ezilandelayo:

• Mboleko mboleki.
• Mboleko yeBhanki.
• Inkcitho yepropati.

Umboleko wepropati uthetha ukutshintshwa kwepropati, ibhanki - le mboleko yebhanki ngemali yentlawulo, kwaye umboleki-mboleko umboleko xa umntu uthengela into ethile, umzekelo, izixhobo zendlu, imoto, njl.

Kutheni ndifuna imboleko?

Kutheni ufuna imboleko, ukuba unokuthatha imali mboleko kwaye ungayikhokhela inzala kuyo? Ukuze uphendule lo mbuzo kubalulekile ukuqonda umahluko phakathi kwemboleko mboleko kunye neentlobo ezingenayo.

Ukuthatha imali mboleko okanye ukuboleka imali kumntu, kufuneka ube nobudlelwane obuthembayo kunye nomboleki, kwaye ufeze ulwalamano olunjalo olufunekayo ukuba lude kwaye lukhuni ukuzama. Kwaye ngokufumana imali mboleko, kufuneka kuphela uqinisekise ukuthenga ngetyala lakho kunye neziko lakho lemali . Namhlanje, iibhanki ziye zavelisa iinkqubo zemboleko ezivumela ukuba ufumane imali encinci yepaspoti. Enyanisweni, ukuboleka okunjalo kubandakanya inzala ephezulu , enxulumene nomngcipheko webhanki.

Ukufana kweNgxowa-mboleko kunye neNgxowa-mboleko

Kukho amanqaku afanayo kwiingcamango zokuthi "mboleko" kunye "netyala". Nguwuphi ummahluko osuvele ucacile kumfundi. Ziyintoni na ezifanayo?

Zomibini zezi ngcamango zicinga ukuba uboleke imali okanye ipropati (kwimeko yemboleko) kufuneka ibuyiselwe. Imboleko kufuneka ihlawulwe inzala, kunye nekhomishini yokusetyenziswa kwemali. Kwimeko yokubolekwa kwemali-mboleko, isivumelwano siya kunika umvuzo othile wokuthunyelwa kwipropati, engabonakaliswa ngemali.