Le nkonzo "ikhefu credit": imigaqo yoyilo, isicelo, amaxwebhu kunye nohlolo

Ngelishwa, liyanda inani labantu abangenakho nangokuqonda ukuvavanya izakhono zabo zemali, iba amaziko zebhanki bhutyu kwiminyaka yakutshanje. Into embi kakhulu ukuba unako ukwenza umntu ukuba abe kule meko, kuba mandundu imeko sele kunzima, baba amatyala. Abo banethuba ukubuyisela ngoko nangoko yonke le mali angaya ebhankini kunye isicelo "ikhefu credit". Kwiimeko ezininzi, ababolekisi enze umnyinyiva kubaboleki, kuba kwakhona disadvantageous ukuqokelela abanamatyala, izohlwayo ethe hayi abafumana naziphi iintlawulo.

Yintoni i "credit ikhefu"?

Olu hlobo lwentlawulo wabalibazisa, ukuvumela amaziko zebhanki ukuba iklayenti, nabangenamali okwangoku, ukuba ukuthatha ikhefu umthwalo zemali ngokugqithiseleyo okwethutyana. Eli xesha inikwa umntu nako ukusombulula zonke iingxaki ezinxulumene ne ukutshintsha indawo yokuhlala, unyango okanye ukufumana umthombo esisigxina imali.

Kwezinye iimeko, ukubambezeleka kweentlawulo?

Kwimeko oludodobalayo wenkqubela kwezoqoqosho, abantu abaninzi ngakumbi, kwiminyaka embalwa eyadlulayo bafumana umvuzo ophezulu, abaphangeli. Abaninzi kubo-mboleko okanye nasiphi na isikweliti ebhankini, nto leyo eye yaba umthwalo kunzima. Ukuze yande luxandu- mboleko ezingekahlawulwa, ungaya ebhankini uze ufumanise ukuba njani "credit ikhefu." Kwiimeko ezininzi, amaziko zemali ukuba ukudibana abantu kwiimeko ezinzima. Ngaloo ndlela, kungenzeka elizayo Iirejista nakuninzi izivumelwano-mboleko. Kwezinye iimeko, loo mboleki unako nokuba ukhethe ukuba yeyiphi schemes ekhoyo ngoku iza evumelana yena ngaphezu kwabanye - a buso okanye epheleleyo.

Emva kokufumana impendulo eyakhayo, ukuba licinga ukuba silindele ukuba ibhanki iya uxolele ityala. Into yokuba bafumane ukulibazisa, njengoko umgaqo, kukhokelela ukunyuka okukhulu kwamaxabiso-mboleko. Amaxesha amaninzi, emva kokuba ityala lekhefu yafikelela esiphelweni, ibhanki iya ekube- intlawulo ukwanda ngobukhulu. Le nkonzo kubonelelwa kubaboleki abazanelisayo iimfuno eziliqela. Kuqala kwinto zonke, lowo unetyala isicelo intlawulo kuhlehliselwe, kungabikho ubunjubaqa, hayi nje kuphela kweli ziko. Imeko yesibini obekwe kwi obolekayo, kuba phambi kwamatyala nerestrukturizirovannogo de intlawulo epheleleyo apho kukho ubuncinane ezithathu iintlawulo enyanzelekileyo.

Kwezinye iimeko, ibhanka bayala ukunikezela i deferment?

Isizathu sokuba kwaliwe ubhaliso of "ikhefu credit 'inokuba nokubambezeleka imali rhoqo ngenyanga. Kwakhona, amaziko ezemali Unelungelo ukuthobela isicelo somntu ungenandawo iingxaki zemali, iingxaki zempilo kwaye abazange baphelelwe yimisebenzi. Uyilo "ikhefu credit" uyakwazi wokhanyelwa kuthe komhla wokufunyanwa-mboleko kwathabatha ngaphantsi kweenyanga ezintathu.

Algorithm lokuhlawula kuhlehliselwe

Le nkonzo "ikhefu credit" inganikezelwa emva kokuba ubungqina obubhaliweyo bokuba obolekayo ebunzimeni zemali kwaye engakwazi okwethutyana kuzihlawulela ngokwakho iindleko. Nangona kunjalo, kwiimeko ezizodwa, iibhanki zinika elizayo iintlawulo kwintando yabantu. Noko ke, le nkonzo ayikho simahla. Abantu abanomdla ukuba amalungiselelo njani "ikhefu credit" kufuneka athathe amanyathelo ethile.

Into yokuqala omawuyenze ukuze uqhagamshelane ibhanki ze azise naye ngeengxaki zabo. Emva koko, kufuneka ninikele ubungqina imeko enzima zemali-sicelo. Le ifotokopi ethi yabasebenzi okanye isatifiketi esibhedlele ingasetyenziswa njengobungqina obubhaliweyo. abasebenzi Bank kufuneka unike ummangali kunye imigaqo zibonelelwa "ikhefu credit". Ngaphambi kokuba usayine isivumelwano esitsha, kufuneka aqinisekise ukuba ngaba akaniki ukwanda kwezinga lenzala, i-accrual kwezohlwayo okanye umdla ngethuba deferment amanyathelo. singakwazi kuphela koko ugqithele ekubhaleni isicelo i "ikhefu credit" egameni ekulawuleni iziko zebhanki. Emva kokuqwalaselwa kwesicelo umntu ufumene impendulo eyakhayo, kufuneka eze ibhanki ukuba asayine amaphepha ezifanelekileyo nokwamkela nexwebhu olutsha kwentlawulo.

"Iiholide Credit" kwi Savings Bank: isicelo njani?

Kweli ziko-mali ibonelela ngeenkonzo sohlengahlengiso lwamatyala kunye nokuhla isixa sentlawulo yenyanga. Ukuze ukusebenzisa ilungelo lakho, nceda uqhagamshelane abameli yebhanki ngesicelo esisiso. Bonke abanqwenela ukufumana i "ikhefu credit" kwi Savings Bank, kufuneka anike ubungqina obubhaliweyo iingxaki kunye nobunzima. Kwezinye iimeko, le lomxhasi singasondezi ukwandiswa kwexesha isivumelwano kunye ukwanda kwezinga lenzala. Umntu ofaka isicelo elizayo kweentlawulo, kufuneka imbali nasici. "Credit Ikhefu" zinokunikwa kangangeenyanga ukuya ku-12. Ngaphezu koko, isivumelwano ngokwayo landiswa kweminyaka emibini, ukutsho oko, kunciphisa isixa sentlawulo yenyanga.

Kwezinye iimeko, akunakwenzeka ukuba akhuphe ziphole?

Xa umboleki ongakwaziyo ukuhlawula amatyala, kukho mboleko sokubambisa, ukulibaziseka ukwamkelwa iya mandundu kuphela imeko sele kunzima. Kule meko kungcono ingcinga ephilileyo ukuhlola imeko uze uzame ukuthengisa ipropati ngokuxhomekeke kuMthetho mboleko. Endzhaku ko yingisela izibambiso onetyala kwenzekile kuphela ukususa olungaphezu ematyaleni, kodwa ukubuyela inxalenye ethile imali yakhe. Nokunqanda ukuya kowokugqibela hayi ukuhlawula ityala, loo mntu uya kunyanzeleka ukuba athengise impahla mortgaged. oku Kuphela kuya kulandelwa kwetyala ende, ngenxa apho umboleki uya kulahlekelwa enkulu imali yabo njengokuba nemali yetyala iza izohlwayo kongezelelwa sokuhlawula emva kwexesha kwemirhumo yenyanga.

Izinto eziluncedo inkonzo ingxelo ngayo

kubaboleki abaninzi banomdla "ikhefu credit" kwi Savings Bank. Indlela yokwenza ukulibaziseka yaye oko kunika, esiye sakuphonononga. Kufuneka iqondwe ukuba le Lenkonzo ikuvumela umntu ukuba kuziswe ityala phambi izilingo elide kwaye ngamanye amaxesha ehlazweni unika ixesha ukucombulula iingxaki zabo. Izimvo abathengi abaye basebenzisa "isithuba saphambi korhafelo", yahlulwe kwiinkampu ezimbini eziphikisana. Omnye wabantu Sikwabulela egcina imali, nto leyo evumela ukuba back-breaking okwethutyana ukwenza iminikelo kunye nokuphucula zabo imeko yemali. Abanye, phezu koko, maxongo kuphela imeko sele kunzima, ukwandisa kakhulu isixa setyala. Ngoko ke isigqibo ukusebenzisa le nkonzo, okanye hayi, ukuba kuphela mboleki. Kubaluleke kakhulu ukuba bahlole ngokusengqiqweni imisebenzi yabo yaye ndiyaqonda ukuba lo nto nje ukulibaziseka, nto leyo enika ithuba ukufumana indlela yokuphuma kule meko.

Ukuba I sebenzisa i "isithuba saphambi korhafelo"?

Kufuneka iqondwe into yokuba nayiphi na ukulibaziseka bokudlala akhokelayo mboleko ukwanda nezicelo. Ngexesha isenzo nokunqanda isixa inqununu amatyala akuthethi ukunciphisa okanye nesenti, ngoko, akukho sinciphile nenzala. I "ikhefu" ixesha elide, kokukhona ilungeniselo ixabiso letyala. Ngoko ke, kungakuhle ukuba ukusebenzisa le nkonzo kuphela kwiimeko ezizodwa.

Hayi ukuhlawula ityala yaye eyenza ulibaziseko, umntu nazo omnye, abaninzi ingxaki. Uya kuqalisa zizakusebenza izohlwayo. Ngaphezu koko, kwiminyaka yakutshanje, amatyala xa iibhanki igqithe mboleko ezimbi ofisi ukuqokelelwa, abasebenzi ukuqala nje ukuba ahlukumeze ukutyelelwa komntu onetyala kunye neefoni kunye izisongelo. Kwaye nje ukuba ixesha ngokulibaziseka lingaphezu 90 iintsuku, iibhanki iziko unelungelo ukuqalisa imisebenzi lwasenkundleni kunye nebango. Emva kokufumana isigqibo senkundla umboleki utshonile unokuphulukana ngummeli wowona ulungileyo.