Ukuba ndithatha-mboleko ngoku? Ngaba ndifanele ndiboleke ngoku yaye oko kuthetha ntoni?

Kuba uninzi lwabemi zethu ukuzilungisa mboleko - le kuphela kwendlela ukufumana iimpahla ezinqwenelekayo okanye ukuhlawula iinkonzo. Imali yokuthenga imoto okanye indlu ngemali bambalwa. Kulo mba, umbuzo wokuba athathe imali-mboleko khona ngoku, kuba baseRashiya sisasebenza njengangaphambili.

amathuba yokubolekisa ngoku

Ngokwemiqathango kwempixano langaphandle neentlobano zokwazana Europe nase-United States kunye nokunyuka kwamaxabiso amaziko zebhanki basekhaya abafumana iingxaki amatyala ezinzulu. Ngenxa yesi sizathu, ke ukucinga nzulu malunga ngokukhulisa kwenzala ukuze kwandiswe ngandlela-asethi zangoku. Lo mcimbi nzima nangakumbi ngumba iimvume lurhoxiswe, yaye ngenxa yoko ke elithile kwi yinxalenye abatyali-mali liye lehla kakhulu kwamanye amaziko zebhanki.

Umbuzo wokuba ingaba ukuba ngoku-mboleko, kunokuba obukhulu amashishini amancinane kunye naphakathi. Amagama mboleko esacetywayo ziye liqiniswe kakhulu. iinkampani ezininzi nje asikwazi kungafezekiswa kweemfanelo zalo ukuhlawula imali-mboleko kwaye kunyanzeleke ukuba ukubhenela filing bankruptcy.

amaziko zebhanki ukuziphatha Amaqhinga

Njengoko sele wagxininisa, amaziko abolekisa ziye kwimali iimfuno kubaboleki. Noko ke, ukuba ekwandeni ngokwenene kwesantya senzala ukuba akakafiki. Phezu kwazo nje iingxaki ukhula kwizalathisi H1, amaziko zebhanki zomzimba Musa ukungxama ukutshintsha ngokwamaqela abo. Kodwa ke, iingcali zikholelwa ukuba ukwanda kwenzala kwimali-mboleko kulo nyaka umiyo nangoku uza kwenzeka. Kakade ke, ipesenti kubaboleki nizixhalele ukuba uthathe imali-mboleko ngaphandle khona ngoku, kwaye eziya wokhanyelwa imali iya kwanda. Ukuba baza kwenza ntoni? Kusenokwenzeka ukuba uya kukhangela ukuba izisombululo ezinye iingxaki zemali ngokubhekiselela MFI. Ewe, iingcali ukuqikelela ukukhula ngamandla 2015 kwicandelo microfinance.

Noko ke, kumaziko-mboleko express wenzala uya kuba kunokuba enkulu. Konke oku ngokuchasene nentsukaphi lobunzima kwezoqoqosho, Wayixakaxa unciphiso lwemivuzo kunye nabasebenzi wongqina enye into - emhadini ityala liya kukhula. Kakade ke, umbuzo wokuba athathe mboleko ngaphandle khona ngoku, elowo ngokwakhe kufuneka isigqibo ngokwayo, kodwa iingcali ukunika sengqondo kwezinye - ukuba amazinga enzala ephezulu kunye nokungabikho kwemali abemi baya thixweni bambi ukulibaziseka xa intlawulo yetyala.

Zeziphi mboleko iza kuba imfuno kulo nyaka umiyo

abahlalutyi zemali ukuqinisekisa ukuba kulo nyaka kuza kwandisa imfuno iinkqubo mboleko. imeko Complex neAfrika kunye nokungazinzi izinga lotshintshiselwano kuya kunceda ukuqinisekisa ukuba ukwanda okubonakalayo kwamaxabiso ezinto ezingundoqo - indawo kunye nomhlaba.

mortgage

Ukuba uyazibuza phezu ukuba uthathe imali-mboleko ngaphandle khona ngoku, kuba kuhle ukuba ukhetha i mboleko sokubambisa, ngakumbi kwixa elizayo ukwanda kakhulu kwenzala kule ingxenye kungalindelekanga.

Car Loan

Kwakhona ezifunwayo ngo-2015 luya kuba imali-mboleko yokuthenga iimoto, kunye nemveliso Russian.

Oku kunokucaciswa yezizathu eziliqela. Eyokuqala ukwandisa ngokukhawuleza ixabiso yeemoto amazwe. Ukongeza, emva kokuba ukonakala neentlobano zokwazana imfuno ye-EU ukuba iimoto angaphandle eRashiya wawa amazwe. Ukongeza, Abemi belizwe lethu ngaphandle yezizathu ubuzwe, ufuna ukuphakamisa iwonga le imboni yasekhaya ngomatshini, ogama iimveliso maxa wambi zitshiphu amazwe "amahashe zentsimbi". Ngoko ke, ukuba awazi ukuba uthathe imali-mboleko ngaphandle khona ngoku, ngoko ukuthenga imoto Russian imali ebolekiweyo iza kuba isigqibo esifanelekileyo!

lokuthenga

Kakade ke, ungalahli iinkqubo zabo popularity and abolekise yabathengi. Noko ke, kubaboleki kufuneka bazi ukuba umyinge wenzala kwesi sigaba siza kukhula nzulu. Isizathu kukuba kwakhona kwintlekele yoqoqosho kunye ukwehla lwemali kazwelonke. Ukuba iintlobo ezimbini zokuqala kwesantya senzala uya kuvuka kancinane yaye ngokuthe ngcembe, ngoko olu hlobo lwe-mboleko - kabukhali kwaye ngokukhawuleza.

Kunzima ukuphendula le mibuzo: 'Ngaba ndiya kuthabatha imali-mboleko? Ukuhlala ngetyala ngoku okanye uthenga kamva? "

Ngowe-2015, kubaboleki enokwenzeka kufuneka ibe ngaphezulu kakhulu ukuhlola iqondo yokuhlawula amatyala yabo kuyilo isivumelwano semali-mboleko entsha.

Ngaba kukho kokwendalo kulo nyaka umiyo

AmaRashiya abaninzi boyika kwendlao kwi kuqoqosho lwasekhaya. Yintoni na? Inxenye le meko apho lizwe akanako ukuhlawula amatyala amazwe. Sikhuthazwa kukuba ilizwe lethu liye phantse akukho ezinjalo. Ukusa kumlinganiselo othile, indlela engagqibekanga unako kubizwa ukusilela wokuhlaziya inkqubo pension. Ingqalelo into elibi kuqoqosho zingenzeka ngenxa intsilelo mali, umzekelo, xa sithetha ekunciphiseni isixa-mali evela kwintengiso zothunyelo kwemithombo yendalo.

Ixesha lobunzima jikelele kulo nyaka umiyo baya kunciphisa ukusetyenziswa yaye, ke ngoko, kuwa yamandla, nto leyo ngokuqinisekileyo uza ukubetha uqoqosho Russian. Ukuphucula imeko kuyimfuneko ukuseka ubuhlobo ushishino China, nto leyo kwilizwe lethu sele ukunika hydrocarbon oko kuluncedo imeko yezoqoqosho imimandla asempuma eli lizwe.

Yintoni eza kwenzeka uzinzo kwezemali kunye namaholo

Kungoku nje ukunyuka kwamaxabiso zepetroli nokwanda ebhalisiweyo kwamaxabiso. Amaxabiso okutya sinyuke phezulu, kunye neqondo lotshintshiselwano uyawa.

Kuthetha ntoni oku? Kuphela into yokuba iimpahla kuza kubiza kakhulu, yaye abasebenzi eziqhelekileyo ungenakuxhomekeka ibhonasi kunye neebhonasi imali yabasemagunyeni. izakhiwo ngakumbi zorhwebo ziya kuqalisa zingekho., nto leyo ngokuzenzekelayo kubandakanya ukunyuka ngqesho. Imivuzo azinakunyuswa, ubuncinane kwiinyanga ezintandathu zokuqala zika-2015. Enoba kunjalo, uya kuba izihlandlo ezisixhenxe ukucinga malunga nokuba okanye ukuba athathe imali-mboleko ngaphandle khona ngoku. Izimvo leengcali ngalo mba, ngelishwa, yedanisayo.

Ngaba kusengqiqweni ukuba kulo nyaka, mboleko imali amazwe

Lo mbuzo kufuneka iphendulwe kule affirmative. Inzuzo ye lwemali yomboleki yeentengo zemboleko ngokwandisa dollar kanye euro icacile. Ngowe-2008, abo baye kukhutshwa mboleko ixesha elide amazwe ngethuba ekukhuleni kwayo esebenzayo uze uhlawule amatyala engange, ukuba waphumelela. Emva kweenyanga ezi-3, imali yaseMelika kunye yaseYurophu yaqala ukuna ixabiso, ngokulandelelana, kubaboleki baqalisa ukuhlawula ngaphantsi. Iinzuzo babezizwa kunye nabathengi abangazange lotshintshiselwano lwemali-mboleko ukuya engange lwasekhaya. Kulo nyaka, i-euro dollar kufuneka sibiwe kabukhali, kodwa ezinye iingcali igunya bathi yi ehlotyeni idola uya zingaxabisi kakhulu 45 engange.

Ngaba simele silindele kokuthotywa kwenzala

Abo ephathelene kakhulu malunga umbuzo ukuba okanye hayi ukuba ukuthatha ngetyala ngoku kwaye luluncedo, kufuneka bazi ukuba akuyi kuyinqamla kwenzala kwixesha elifutshane.

Kwaye enye ingcali ukholelwa ukuba emkholisayo ityala kwaye uthi ukuba kubhetele ukuba neebhanki, kungekhona namaziko microfinance kwelinye icala, oko kunilungele ngakumbi ukuba ngokusesikweni mboleko ngoku bamshiya ngenxa yokuba inzala iya kuqhubeka kukhula, kunye nezinye. Kufuneka igxininiswe into yokuba MFI kubaboleki bafumane imali phantsi 150% ngamnye ngonyaka, nto leyo, Kakade ke, kakhulu, kakhulu kunene. Izinga yebhanki ababhalisiweyo angaphantsi kakhulu, kodwa ukuqinisekisa ukuba imali-mboleko samkelwe, ubuncinane.

Xa ucinga ukuba uthathe imali-mboleko ngqo ngoku, okanye kungcono ukuba nikhumke kulo asinakho, ngoyaba izimvo zophengululo wezezimali Siyaleza ukuboleka imali xa zebhanki, apho isabelo iidipozithi abantu unezinga eliphezulu. Le izityhwentywe zemali, safunyanwa njenge igalelo, osebenza kwiziko zebhanki, kungona amatyala wayo, nto leyo ibonisa ukuba inokuthenjwa.

Sekunjalo, thatha okanye hayi

Kakade ke, abaninzi umbuzo wokuba ingaba ukuboleka ngoku yaye kuthetha ntoni, kubaluleke kakhulu. Ngocoselelo zihlaziye "kwizazi" kunye "bawo", yaye kuphela emva koko lithathe isigqibo sokugqibela. Cinga ngalo kufuneka umba, ukuthengwa ofuna ukuba akhuphe mboleko. Ngocoselelo kwakhona iziphakamiso esele kwiimalike logcino uze ukhethe leyo kakhulu kunilungele nina. Ukuba uyakwazi ukugcina ngomhla we-mboleko, kungcono ukwenza oku ukuze siphephe iingxaki zemali ezingalindelekanga. Ngamanye amazwi, amalungiselelo boleko njengelinge lokugqibela, umzekelo, ukuba ufuna ukuhlawulela imfundo yabantwana babo okanye ukuphathwa ngabantu babo ababathandayo imali eninzi.

iingcebiso jikelele

Ngoko ngokuqinisekileyo isigqibo umbuzo ukuba uthathe imali-mboleko ngaphandle khona ngoku. Iingcebiso eziluncedo ngezantsi kuya kukunceda.

Ikakhulu ukuphuma ukuboleka imali engange. Ngoko Kucutha umngcipheko ukunyusa ubungakanani ityala kwimeko ukuba dollar iya kuqalisa ukukhula. Ukuba ufumana umvuzo kwi-US okanye imali yaseYurophu, uboleke imali ngcono ngxi engange. Ukunciphisa izinga lwemali kazwelonke kuya kunceda ukwehlisa imali yakho amatyala.

Kwakhona qaphela ukuba kusilungele ngakumbi ukuba akhuphe imali ukuze kuthengwe imveliso, njengoko umlinganiselo wenzala kuwo lingaphantsi kunolo mboleko mali.

Khawucinge ukuba awunalo ukuya kwi Emva ebhankini, uhlawule i-inshorensi, kunye nezinye iintlawulo - konke oku ngokuzithandela.

Kwaye, kakade, khangela ukuba omnye okanye kwelinye iziko zemali ngokuthembekileyo. Phambi kokusayina isivumelwano semali-mboleko ufundisise yonke imigaqo, ingakumbi ezo ezibhaliweyo print encinane. Ngoko uzikhusele izimanga angazithandiyo kwixesha elizayo!