Mboleko - kuba ithuba elikhulu ukufumana into ofuna

Abantu abaninzi abafuna ukuya kuthenga indawo, ezifana nendawo yokuhlala, kodwa musa ukuba ngexesha elifanayo iimali ezinkulu bafune uncedo evela kwiibhanki. Apha kufuneka benze lo mbuzo, "yintoni-mboleko kwaye eyahluke ngayo imali-mboleko?".

Kukho iinketho eziliqela ze mboleko yebhanki: yabathengi, iqumrhu, kunye neemfuno ezizodwa trust. Zonke ezi izinketho nobubi zabo nangobubi, leyo ixhomekeke kwi imeko ethile. Mboleko - isixa esithile semali, ukuba kunikwa kwi umxhasi elunxwemeni lomlambo. Le mali iza kufuneka ukuba emva ekupheleni kwelo xesha, elichazwe kwisivumelwano. Ngokunqwenelekayo, ukusebenza lo zebhanki, nto leyo yahluke ukusuka kukungabikho inzala yetyala (ukuba akusoloko kuyimfuneko). Phakathi iinkonzo zebhanki wanikela kukho mboleko collateral. Nicelwa kungaba indawo yokwenene, izibambiso, nayiphi na ipropati ezixabisekileyo, njalo-njalo. Olu khetho ubuncinane yingozi yeebhanki.

Gcwalisa amaphepha afunekayo ngokuvumelana nemithetho ethile. Kuphela emva koko ebhankini ikhupha a mboleko. Okokuqala kufuneka ugcwalise izikhewu kunye iikhweshine, apho ukhankanye iinkcukacha zakho zobuqu. Okulandelayo, kufuneka ukulungiselela onke amaxwebhu afunekayo kwaye afake isicelo semali-mboleko. Customer makanike yokundwendwela, ikopi yale ncwadi yomsebenzi, amadoda - ikhadi lomkhosi (kwabo baphantsi kweminyaka engama-27), uxwebhu eya kuqinisekisa ukubhaliswa kunye nesatifikethi imali kwiinyanga ezi-6 zokugqibela.

Mboleko - umnikelo ka imali okanye impahla ukuba ukusetyenziswa okwethutyana. Ngoko ke, ukuba luchanekile ngakumbi linokuyithelekisa lokuqeshiselwa, kunokuba nge-mboleko, ukususela nokubhaliswa yesibini ngokuyimfuneko langoku izinga lenzala.

mboleko Consumer zidla kukhutshwa umhlalaphansi okanye abantu abanemivuzo ephantsi yi-avareji yeminyaka emihlanu kunye ngomyinge wenzala we-14 ukuya kweli-19% (ngokuxhomekeke lwemali). Abathengi kunye negama elihle ngetyala okanye abo ikhadi zemivuzo ebhankini apho kukhutshwe imali-mboleko, ukuze afumane imali-mboleko eyimfihlo kwi-avareji efanayo iminyaka emihlanu kunye namazinga enzala kwi engange-20%, kwaye lwemali amazwe - ukuya ku-13.5%. Ungafumana ngaphandle guarantors kunye wammela neemfuno ezingxamisekileyo zethuba elifikelela kwiminyaka emihlanu, kodwa umlinganiselo iya kuba elininzana: ngohlobo lwemali - ukuya kwi-15%, kwaye engange - 21%. Ukuba kukho siqinisekiso evela waba ngummeli wowona ulungileyo (wammela kufuneka ibe iqumrhu elisemthethweni), unako ukufumana imali-mboleko ngcono - ukuya kutsho kuma-14% ngo-engange 11% yamanye amazwe. Kokuba ikhutshwe iminyaka emithathu. ziibhanka ezahlukileyo mboleko ezahlukeneyo kunye neekhredithi, umxhasi ukhetha ngokwakhe iinketho inzuzo engaphaya.

Mboleko - uhlobo lwesivumelwano zemali kunye abangekho. Kuyinto efanelekileyo kwimeko, ukuba ufuna isixa esikhulu ukuba nayiphi na inkampani okanye ishishini. Omele kuvulwa kwi-akhawunti yebhanki apho kuyo ithinjiwe. Xa iintetho kufuneka ukunxibelelana ngobuchule ngolwimi kubananisi, ukubonisa ukuba sizibonakalisa njengenkampani ofanelekileyo okanye inkampani, kunye nokubonelela isicwangciso soshishino ebhaliweyo. Kuba mboleko ezinkulu eziyimfuneko phantsi intlawulo kunye negama elihle.

Mboleko - oku ithuba elihle lokufumana imali!