Kwenzeka ntoni xa ndingasihlawuli imali-mboleko ebhankini?

Amaxesha amaninzi umnqweno ukufumana into ofuna namhlanje kwaye ngoku ukuba angavumela umntu ukucinga nangokuqonda izakhono zabo, xa solvency ethile. Okanye iinguqu ezinkulu ebomini (ukuphelelwa ngumsebenzi, ukugula, njalo njalo. D.) Dala imeko apho kukho nto ukuba ahlawule imali mboleko. Kakade ke, yonke umxumi ebhankini uyazi ukuba ukungaphumeleli ukuthobela kwamatyala kuqulatha iziphumo ezingalunganga. Phantse bonke abanamatyala bathuthunjiswe ngokutshiswa mbuzo: "Kuza kwenzeka ntoni ukuba ngaba uhlawule i ? Mboleko ebhankini" Zama ukuqonda loo meko.

Isivumelwano ngasinye, ekwavunyelwana ngaso umboleki kunye iziko elibolekisa ngemali, ngokwemiqathango echazwe ngokucacileyo kunye neemeko ngokosuku. Kungenjalo, yintoni iindawo, kufuneka uthathe ixesha elide kangakanani indawo. Cwangcisa kwakhona ubungakanani izohlwayo, nto leyo iya kuhlawuliswa xa intlawulo yetyala. Emva koko kuza kwenzeka ntoni? Ukuba akuyihlawuli ngexesha i-mboleko ngexesha, abameli nayiphi na ibhanki okokuqala zichanekile kakhulu: ngembeko azise umthengi malunga mali ityala lakhe. Kwakhona aziswe iintlawulo ngenxa, imali leyo sele lijongise isuntswana ngakumbi ngenxa isohlwayo.

Ukuba umntu ahlawule-mboleko kwaye ke, emva kwexesha elithile (nto leyo nayo ezidweliswe kwi contract) ulawulo lwamaziko yemali mboleko yenye ngeendlela ezimbini. Xa ngobuwena mnye, ibhanki uyalela ukwenza inkampani ingqokelela yokuqokelelwa kwamatyala. Abameli kula maziko lalidume hayi nje kuphela ngenxa yokuzingisa wayo; kodwa yokuziphatha engeyiyo. Ngokufuthi ke musa ukuchola ngamabinzana achubekile ukucacisa sokuboleka ukuba balinde. Kwenzeka ntoni xa ndingasihlawuli imali-mboleko ebhankini kunye elilandelayo? iminxeba Constant (nokuba ebusuku), amabali ukuba Bayisusile indlu okanye imoto - akukho iindlela kuphela yokuhlaselwa engqondweni.

Nakuba kunjalo, kufanele kuqatshelwe ukuba iibhanki abaninzi badla ngokuba madolw 'ukubhenela amanyathelo kakhulu. Ngoko ke, ukuze ugcine luvo zabo, izinto kunye nempahla ekhuselekileyo kunye nesandi, into yokuqala ukuza kwiziko elikhuphe ngetyala, uze uchaze ummeli wakhe, yintoni izizathu ziye zabangela nakwenzeka buyiselo ngexesha ematyaleni. Ukuba umthengi lowo ilifa isiqinisekiso yeemeko ebezingaziwa, kwaye ibaluleke ngokwenene, badla kumkhawulela.

Kwiimeko ezininzi, linakho ukuzirhoxisa isohlwayo okanye ukunika ziphole. Kwaye ngoko ke kufuneka ukubambana umbuzo othi oko kuya kwenzeka ukuba ngaba uhlawule imali mboleko. Kufuneka kukhunjulwe ukuba abameli ibhanki bakaThixo zonke banelungelo lokufuna uncedo kumagosa enkundleni. Ngokutsho enkundleni, ukuze babonakale phambi onetyala kufuneka athimbe impahla yakhe okanye lokurhoxisa. Ekutshintsheni kweziganeko kukrakra kunene kum ngenxa onetyala, ngenxa yokuba kuya kufuneka ahlukane kwipropati, leyo baya kugwetywa ngaphantsi kakhulu kwexabiso layo. Ukongeza imali yetyala, ukongeza inzala kunye nezohlwayo ziya kudityaniswa ngakumbi iindleko zomthetho.