Mboleko Personal: eyoqulunqo amaxwebhu, iimeko

Imfuneko kwemali kwi mzuzu esibi kuvuka. Kuyimfuneko ukuba ngokukhawuleza kunye ngokwemiqathango unetarhu ukuthatha imali ezinkozo. Kwaye ngoko ke nanku umbuzo: "? Uphi ukuba". Bank okanye iziko microfinance (MFI)? Ngokwemiqathango yezibonelelo - ebhankini, kwaye ngokukhawuleza kangangoko kunokwenzeka - MFIs.

Bank

Ethetha isicelo semali-mboleko ebhankini, lo mboleki alindelekileyo kufuneka ukunika iphakheji lwamaxwebhu. La maxwebhu ngaphezulu umboleki baya kuba nako ukunika ibhanki ukuqinisekisa isimo yayo simahla, i obuphantsi kuba umyine wenzala yi yonyaka, kunye nemali-mboleko; phezu koko, ukwandisa.

Yintoni ekufuneka?

La manyathelo aquka:

- proof of identity.

- umgaqo-nkqubo inshorensi yezonyango ezinyanzelekileyo.

- ekunene okanye isatifiketi sobhaliso lwesithuthi.

- passport, kungakuhle ukuba abangama-izitampu ulawulo yokundwendwela ebonisa umdla kwamanye amazwe kwiinyanga ezi-6 zokugqibela.

- iimbekiselo umsebenzi ngokwenene abondla kwiinyanga ezili-12, istampu sesikolo zize zisayinwe yintloko mbutho.

- Iikopi zawo onke amaphepha encwadi yomsebenzi okanye ezinye amaxwebhu anokuthi ukuqinisekisa umsebenzi. Oku kunokuba sisicatshulwa esithathwe kwincwadi zabasebenzi okanye isiqinisekiso zisayinwe yintloko yombutho, equlethe ulwazi malunga umqeshwa, ngubani omkhulu lakhe kunye nesikhundla sakhe. Okanye ikopi yesivumelwano yengqesho. Onke amaphepha xwebhu kufuneka siqulathe itywina kunye nomsayino entloko. Amava kunye nomqeshi wangoku unyanzelekile ukuba kweenyanga ezi-6, yaye ubude iyonke wenkonzo - hayi ngaphantsi kweenyanga ezili-12.

- Isiqinisekiso sobhaliso kunye kwiofisi yerhafu (inn).

Ukuze ufanelekele mboleko ebhankini isenokwenza ukuba kufuneke amaxwebhu:

- ikhadi zomkhosi (kuba ezabo niyigqibe umbundu kweminyaka engama-27), kwaye engekho - amaxwebhu ezinokuthi ukuqinisekisa ubukho deferment evela emkhosini;

- original kunye nekopi nowokupheliswa okanye ukudilizwa womtshato;

- ikopi yesiqinisekiso esingqina ubunini kwipropati engashukumiyo.

Kweyangoku i 2016 ukuya ukuthatha imali-mboleko, imali-mboleko, umntana kuya kufuneka ukhethe ibhanki kunye nomdla kakhulu. rates Consumer credit asusela 22-38%, i-mboleko iza kukhutshwa yi 11,9-18,8%, kunye mboleko auto iya kuxabisa 18-24%.

Package amaxwebhu angeniswe yi umboleki ziya kutshekishwa yi inkonzo yokhuseleko ngaseludinini zingadlulanga iintsuku zomsebenzi 2-12. Emva koko, umsebenzi yebhanki ifowuni iya kwazisa izigqibo elizayo uncedo. Cash umboleki-mboleko uza kukwazi ukuhlawula ukusuka kwiminyaka 1 ukuya ku-3, ngokusekelwe kwimali-mboleko kunye umbize inzalo.

Phantse nawuphi na umboleki, ngubani imbali yekhredithi tano uyakwazi ukubala ekuthwalweni mboleko kangangoko kunokwenzeka. Isixa yemveliso liya kuxhomekeka kumvuzo wenyanga umboleki kunye neendleko kunye nohlobo izibambiso ukuba uyakwazi ukunikeza.

MFI

Ukuba ibhanki kufuna iseti oluntsonkothileyo yamaxwebhu, nto enyanzela ubolekayo babutha ingcaciso eninzi kwaye wenze iikopi isambuku yamaxwebhu ezahlukahlukeneyo, ukuba uthatha imali ngetyala ku MFIs akufuneki yimfumba lwamaxwebhu. Yaye xesha zonke ziya kusombululeka ngokukhawuleza kakhulu. Le ezimbi kuphela - kwanokuba umboleki uya kuzisa kunye inani elikhulu kwamaxwebhu engqina yokuhlawula amatyala ayo, izinga lenzala iya kuba ngaphezu ebhankini. Ukongezelela, imali-mboleko baya kuqingqwa, ingakumbi ukuba umboleki isicelo okokuqala. Kunye nemali-mboleko ziya kukhutshwa kuphela engange.

Uluhlu lwamaxwebhu aza kuzisebenzisa ukuze isicelo, i elifutshane kakhulu kwaye ibandakanya ngenqaku elinye kuphela - eluviweni nesazisi.

Kusenokwenzeka ukuba umboleki ziya kucelwa ukuba zinike uxwebhu yesibini, kodwa apha yena uyakwazi ukukhetha ngokwakhe ukusuka kuluhlu, nto leyo eza kunika endodeni.

Ngokunika mboleko yemali inzala iya kuba ezahlukeneyo, ngokuxhomekeke indlela mikrofinanosovoy umboleki umbutho liya kusebenzisana. Elona umyinge wenzala yi isicelo kuqala ukususela 0.8 ukuya kwisi-2% ngosuku. Ngako oko, ipesenti yonyaka iyakuba ukusuka 292 ukuya 730%.

Ukuhlawula imali umboleki kuya kufuneka kwixesha elifutshane ixesha ukususela kwiiveki ezimbalwa ukuya kwiinyanga ezintandathu.

Ukuba umboleki iya MFI ingelilo ixesha lokuqala, oko sinokulindela ukufumana imali kunye neminye imiqathango, ngecala. mboleko Ukuphindaphindwa lubonakala ngokuba nokuphungulwa rate, leyo Sehle phantse 2 amaxesha. Kwakhona, umboleki banokulindela ukwandisa imali mboleko. Ngenxa yoko, le nkampani uzama ukuba ulahlekelwe umthengi enye. Apha psychology kubangelwa - kule MFI kucingwa a client kakhulu kwaye amnandi xa unika imali-mboleko kwaye ukunika neebhonasi, ngoko kutheni khangela ngcono?

ikhadi lamatyala

Enye indlela ukufumana imali-mboleko - oko ukukhupha ikhadi lamatyala. Ngokutsho manani, ukusetyenziswa credit cards ngaphezu kwesinye kwisithathu sabantu eRashiya.

Yintoni efunekayo ukwenza wayo?

Ukuze ufumane ikhadi lebhanki letyala, kuya kufuneka ukuba uqokelele i iseti efanayo yamaxwebhu, njengoko lokuthenga. Ngexesha lokuqala yobhaliso ngetyala kufuneka ungalindeli umda omkhulu ngetyala. Ukuba mboleki liya kuba noxanduva kwintlawulo yetyala ngenyanga, kwaye sebenzisa inxaxheba ikhadi, umbundu card iza kunyuka. Akukho mfuneko ukurhoxisa imali ngecredit card. Okokuqala, noko bamkelwa kwinkqubo neebhanki, yaye okwesibini, kunikezelo kwemali evela ikhomishini ikhadi lamatyala unako ukufikelela kumyinge oyi-5% yesixa ezikhutshiweyo. Kwaye ngamanye amaxesha, ikhomishini idlule isixa semali abolekise.

Inzala, ixesha lokuhlawula kunye nezinye iindleko

Ukwenza ikhadi lamatyala ukufumana imali-mboleko imali akuthethi kuthatha ixesha elininzi: iintsuku zokusebenza 1 ukuya ku 7. Ngamanye amaxesha umboleki akuyomfuneko ukuya ebhankini ukuze ayifihle - ngenkonzo yekhuriya izakuzisa ikhadi lamatyala ekhayeni lakhe.

Ixesha ubomi ikhadi lamatyala ngomyinge leminyaka emi-3. Nyaka ngamnye, kuya kuba yimfuneko ukuba ukuhlawulela iinkonzo. Le mali iya kubalwa ngokususela kuhlobo lwekhadi: Maestro okanye Visa, ikhadi umda ngetyala, kunye neendleko ekungenwe ngokukhonza yibhanki umthengi ukuba ebhankini. Intlawulo yenyanga ye-mboleko iza kuba-5% komda ngetyala.

Ukukhethwa indawo efanelekileyo yokubolekisa - oko Lilungelo leSebe i wonke ummi. Kuyimfuneko ukuba kuhlolwe kakuhle izakhono zabo zemali, ukuba bacwangcise imivuzo kunye neendleko, kungekhona ukwenza inkcitho krwada ukuhlawula amatyala ngexesha kwaye sibe sibi imbali yabo yekhredithi.