Ukukhangela imbali credit abafuna kunye nokuphumeza njani ngokwabo

Kuyenzeka ukuba umntu uya ibhanki ukuze bafumane ikhredithi, kodwa wala ukuba aqukumbele isivumelwano. Kulo mzekelo, abasebenzi kumaziko zemali phantse ze achaze isizathu sokuba sigqibo. Amaninzi, kwimeko enjalo ezinokuvela ukuba itsheki imbali yekhredithi lubonise ukuba ukuba naziphi na iingxaki kunye okuhlawula amatyala kwixesha elidlulileyo.

Ukunciphisa amathuba sentsilelo ibhanki lokukhupha-mboleko, kufuneka kuzalisekiswa ngomoya omhle ngemimiselo mboleki. Kakade ke, ukuba oyifunayo, zinokufunyanwa elo ziko, nto leyo iya kuthi ikhuphe mboleko ngaphandle kokuhlola imbali yekhredithi. Nangona kunjalo, imibutho efana ngokuqhelekileyo ukunika ukuba enze isivumelwano semali-mboleko phezu kweemeko ezingentle ngokupheleleyo: a ophezulu umyinge wenzala okanye imfuneko eliphezulu le-mali kunye guarantors.

Ingcamango imbali yekhredithi

Phambi kokuba ukwazi oko imbali yakho yamatyala, bekuya kuba mnandi ukuqonda ukuba yintoni na konke ngayo. Oku kunokuba nzima, zikungqinge ingcamango kwezoqoqosho.

Imbali ikhredithi uwahlule ube zahlulo zithathu. Oku kuquka ulwazi ikhutshelwa kwiziko yemali eligcina inkcazelo ngeentengo zemboleko kunye olwahlula umgangatho mboleki yezibophelelo yayo phantsi sivumelwano semali-mboleko.

1. Iphepha le imbali yekhredithi iqulethe yonke inkcazelo malunga mboleki.
2. Inxalenye engundoqo iqulethe inkcazelo malunga kwisifundo yayo, yona umamkeli-mboleko, ukubhaliswa kwayo, kwakunye nezivumelwano mboleko.
3. Isakhiwo ngakumbi kuquka yinxalenye data umsebenzisi, ngowuphi isifundo eso sivunyiwe ilungelo lokufikelela kulwazi, ngokunjalo phezu imithombo ukwakheka, ezo babatyalayo.

I-Bank ukungena kwizivumelwano bureaux enye okanye ngaphezulu. Phantsi eli gama lithetha lombutho nowenziwa ukuyilwa, ukugcinwa kunye nokulungiswa kwedatha ifakiwe kwimbali ngetyala.

iindawo zokugquma zigcinwa kwi kwiKhathalogu Central ka-Credit Iimbali. Gcwalisa ulwazi lugcinwe ngamnye CRAs (credit). Ngoko ke, ukuba lula retrieval of data kwimeko xa ufuna ukukhangela imbali samatyala iikhowudi zezifundo asetyenziswa, ezo codes oluza.

Wazi njani imbali yekhredithi

Amaxesha amaninzi, naliphi ixesha umntu uyaqaphela ukuba ufuna ukwenza itshekhi ngetyala. Le nkonzo simahla ngaphandle kwayo nayiphi ummi Russian ungafumana kanye ngonyaka. Noko ke, le nto ilula kakhulu. Into yokuba akukho ledatha elidityanisiweyo iimbali ngetyala eRashiya. Endaweni yoko, ukuba wadala BKI emazantsi, leyo CCCH (Central Catalogue of Credit Iimbali). isakhiwo enjalo ivumela ukufikelela ukhuselo ubuninzi ezi kubaboleki.

Kubalulekile ukukhumbula ukuba iitshekhi lwamatyala kwenziwa kuphela ngemvume zesifundo. Oko kukuthi, xa usenza isicelo semali-mboleko uza kucelwa ukuba basayine imvume kwisicelo data.

Ngenxa yoko, ulwazi kwiKhathalogu Central ka-Credit Iimbali unako ukungena ngemvume yakho, wena ngokwakho okanye kwiziko lamatyala. Kakade ke, ungaya nayiphi na ibhanki ebonelela ngeenkonzo ukunika uluhlu lwe bureaux ukuba ukugcina ulwazi ngawe nje umboleki. Kodwa ukuba uyayazi ikhowudi lwesifundo, isicelo ukuya CCCH, unako ukuthumela eyakho.

Kukho ezimbini ongakhetha ukuba ungafumana kule khathalogu engundoqo:

1. Ingcaciso imfuno anokufunyanwa kwimeko, ukuba zange aye mboleko, okanye ukuba benza isivumelwano semali-mboleko a de kwango-2006, xa uMthetho Credit Iimbali yayingekabikho.
2. Ukuba imbali credit yakho apho, xa kuphendulwa isicelo uya kufumana uluhlu lwe CRAs, eziqulathe ulwazi ngawe.

Kwimeko yesibini, emva kokuba ufumane uluhlu Bureau ebonisa iinombolo zomnxeba iidilesi, kufuneka uqhagamshelane ngamnye kwabo ukufumana ulwazi malunga ngokwalo njengoko umboleki.

Ngenxa yoko, umntu ngamnye wathabatha mboleko ngaphambili okanye uceba ukusebenzisa le nkonzo kwixa elizayo, kuya kuba akufuneki ukwazi ukuba kokuhlola imbali lwamatyala kwenziwa ngokuzimeleyo simahla.