Indlela ukufumana imali-mboleko kunye nembali elibi kwicala lamatyala

Mboleko banandipha yesibini zonke kwilizwe lethu. Amvumela ukuba uthenge wakho into oyithandayo ngexesha elinye, ngaphandle kokuba bachitha iinyanga okanye iminyaka ukuze yande. Abantu abaninzi, ingakumbi ulutsha, isono kade ukuhlawula imali-mboleko. "Deal Big, kuhlawulwa ngosuku (ngeveki) kamva ukuba iselula entsha, na ukuba uhlawule efanayo." Ngelo xesha linye ke musa ukuba ngenxa yezi delinquencies kwayileka imbali elibi kwicala lamatyala. Abantu bacinga ukuba indlela yokufumana imali-mboleko kunye nembali embi ngetyala kuphela xa iibhanki ziqala ukuba bemke. Ngamanye amaxesha unobangela ubunjubaqa ayisiso yokungakhathali elula kunye neengxaki zemali njongo. Omnye kuphela ukuba ukukhumbula ukuba ingxaki ka-2008 , xa amawaka abantu baphelelwa yimisebenzi yaye abazange bakwazi ukuhlawula iintlawulo zenyanga nenyanga. Abaninzi kwabo bantu iminyaka embalwa, xa imeko yabo yemali iphucuke, ujongene nengxaki enkulu indlela yokufumana imali-mboleko kunye nembali elibi kwicala lamatyala.

Impendulo yenye - imbali yekhredithi (ngamanye amazwi - iibhanki trust) kuya kufuneka ibuyiselwe. Ingongoma ayikho fast, kodwa yokwenene kakhulu. Andiqondi ukuba kwiminyaka emihlanu edlulileyo, iintlawulo emva kwexesha ukuba TV cheap aphelise le mboleko. Ukuze siphinde trust, phambi kokuba mboleko kunye nembali elibi kwicala lamatyala, ungenza ungenisa-ivenkile adunyiswe zentsimbi kangako, isifudumezi samanzi, okanye umdlali DVD-. Akuthandeki ukuba ibhanki akaphumeleli kulo mzekelo, kuba imali mboleko incinane. Kuya kufuneka ukuba uhlawule qho ngenyanga oko kuboniswe "nezixhobo." Yaye simele uvale mboleko phambi kwexesha. Iibhanki ngokuqhelekileyo abayithandi abangahlawuliyo abakhuthele kakhulu, ngenxa yokuba kulo mzekelo abayi kuzuza inzala.

Xa loan lokuqala ivaliwe ngempumelelo, ungathatha owesibini, ezinkulu, ngokuba inene kwi iflethi okanye indlu kukho into bekukudala ukuba itshintshwe. Unakho ukuthenga i-TV plasma, isicoci emoyeni okanye unikezelo elungileyo iingcango angaphakathi. Ukhetho yesibini - ukuthatha mboleko imali ebhankini. Eziliqela mboleko nokuba incinci ukutsala kabukhali kakhulu ayikho imbali okuqaqambileyo kakhulu ngetyala. Ngoko ke sele kunokwenzeka ukuze imali-mboleko ngenxa eflethini okanye imoto, ngokubanzi, kukuba ndifuna ukuqala. Kakade ke, kulo mzekelo, kufuneka lihlawule ngaphandle ubunjubaqa, koko kwakhona ukuba enjalo yentloko ayingeyali intloko yakho ukuba indlela yokufumana imali-mboleko kunye nembali elibi kwicala lamatyala.

Kaloku, enye indlela ezinokusetyenziswa - jonga mveliso nomlomo. Phambi kokuba uthathe imali-mboleko kunye nembali elibi kwicala lamatyala, kuya kufuneka zizihlawulele ngokwazo imali, kodwa kuluncedo ngayo.

Imbali elibi kwicala lamatyala - ayikho ingxaki kuphela. Abaninzi banomdla umbuzo ukuba nendlela apho ngetyala ngaphandle kubhekiselwa omvuzo. Maxa wambi kuba ingxaki nzima ngakumbi kokufumana mboleko imbali elibi.

"Gray" umvuzo kwiimvulophu kusimangalise nabani na, kuquka iibhanki. Abaninzi babo ukuze kutsalwe abathengi, ibonisa nje ukuba anike imali ngaphandle ireferensi (ngamanye amaxesha eqinisekisa iingozi guarantors), maxa wambi ngaphandle guarantors. Kakade ke, amathuba msulwa imali yabo ibhanki kulo mzekelo, kwandisa amaxesha amaninzi - ngamazwi ngemivuzo yabo lokwenene ukuba zabaxwa izihlandlo 5-10, ukuvumela njani ngqondweni kunye nesazela. Amaninzi, le ubolekayo akazimisele ekuqaleni cheat ibhanki - kodwa nje ufuna ukufumana imali apha kwaye ngoku, yaye kamva nje abakwazi ukumelana ukuhlawulelwa ukwanda. imingcipheko zabo kulo mzekelo, ibhanki ihlawula izinga eliphezulu kwi-mboleko - amaxesha ubuncinane 1,5-2 kunokuba phantsi kweemeko ezifanayo, kodwa isatifikethi.

Ukuba awufuni ukuba overpay, kuyimfuneko ukuba acele ukuba isebe ingxelo ukuba asayine isatifikethi 2-NGOBUCHULE umvuzo okanye ukucacisa imithombo yolwazi eziindidi ngeendidi yengeniso. Enye indlela, apho ungaya kwi ingcali yetyala (nangona ukuba thina sithetha ngayo imali eninzi) - umnxeba kumqeshi, nto leyo eza kuqinisekisa kumvuzo lokwenene. Ngamanye amaxesha iibhanki uvume (njengoko, umzekelo, kwimeko-mboleko) ukuze bakuthathele ingqalelo zonke ezingenayo. Ichaza ezinjalo phana ilula kakhulu - ibhanki sihlala isisixhobo mortgaged, leyo ungakhetha, ukuba lowo ubolekayo atshone.