Indlela Yokugwema Imboleko Yesihloko
Imboleko yematyala iyimali-mboleko emfutshane yesikhashana efumanekayo xa uthembisa ukuba isithuthi sakho sibe yimali . Ukuba uhlawule imoto yakho kwaye kusasaza into ethile, unako ukuqhubeka uliqhuba kwaye ufumane imali ekhawulezayo. Ngenxa yokuba imboleko ikhuselekile ngemoto yakho, izikolo zakho zemali kunye neengeniso zekhredithi ayisoloko yinkinga.
Kutheni Uzonda?
Ngelixa kulula ukufaneleka, izikweletu zetayitile ziyingozi kwaye zibiza.
Inzala kunye nemirhumo: Iindleko ngenye yeengxaki ezingundoqo zokusebenzisa imboleko yemali yemoto. Kubaqalayo, mhlawumbi kufuneka uhlawule umrhumo othile wokubolekisa imali yakho mboleko. Kungakhathaliseki ukuba yintoni umrhumo obizwa ngokuba ngumrhumo, yinto ehlawulwayo eyongezelelweyo yerhafu ngaphezulu kwenzalo oza kuhlawula ngayo - iintlawulo ziboleka imali ebiza. Amanani omdla abuye ahlonipheke kakhulu kwiimboleko zetayitile, kwaye kukho izikhetho ezinokuthi zifumaneke ngaphandle koko.
Ukubuyisela: xa uthembisa isithuthi sakho njengesiqwenga, umdlalo omhle xa uyeka ukwenza iintlawulo. Ababoleki banelungelo lokuthabatha imoto yakho ngokubuyiselwa kwakhona , kwaye awukwazi nakwazi ukuba kuya kwenzeka nini. Ukuba uthembela kwisithuthi sakho ukuba ufike emsebenzini nasemva, iingxaki zakho zemali ziya kuphakanyiswa. Ukuba imoto yakho yindlela ekhuselekileyo yentsapho yakho yokuhamba, uya kuba neengxaki ezingaphezulu.
Ezinye iintlobo zemali
Ngaphambi kokuba ufumane umboleko wesihloko, lawula zonke ezinye iindlela. Nangona unayo i-credit-less-perfect-credit, kukho ezinye iindlela zokuboleka.
Amabhanki kunye neemanyano zemboleko zemali ziqhubeka zinikela ngemali-mboleko emfutshane ejoliswe ekupheliseni iimali-mboleko ezidlulileyo (njengetyala leetyala kunye nemali mboleko ).
Ubhedu bakho obuhle kunokuba ucele umboleko kwibhankini yendawo encinane okanye umanyano wekhredithi, ekubeni iibhanki ezinkulu zikhawuleza ukugatya izicelo. Ukuba awuzange usebenzise i-credit union, zama i-unions-ye-credit unions ngamanqanaba eemali ngamakhasimende anokukwazi ukujonga imeko yakho.
Iimali-mboleko zomntu siqu zifumaneka kwiibhanki kunye neemanyano zeentengo zemboleko, kodwa zifumaneka nakwiimali-mboleko ze-intanethi . Ababolekisi be-intanethi baquka abatyalo-mali ngemali yokuboleka kunye nababolekisi beontanga-ntanga (i- P2P mboleko ). Imboleko mboleko ayikugcinwa ngumbambano (njengesihloko sakho). Kunoko, umboleko uvunyiwe ngokusekelwe kumanqaku akho ekhredithi kunye nengeniso yakho ekhoyo yokuhlawula mboleko. Ukuba unemali engenayo, umboleko wakho ngumntu ongcono kunokuba umboleko wesikiti.
Xa ufuna iimali-mboleko ze-inthanethi, qaphela ababolekisi be-intanethi kunye nababolekisi be-intanethi. Le mibutho ayikwazi ukuba yinto engabizi ngaphantsi, kwaye abanye babo abanikezeli ngemali-mboleko - bafumana ulwazi lwakho lomntu siqu (ukuzithengisa kwabanye okanye ukuba ulwazisi).
Ukunyuswa kwekhadi lokuthenga ngetyala kungabi yindlela engabizi kakhulu yokuboleka. Musa ukwenza iphutha: amakhadi ekweretheni ayingozi kwaye unokungena kalula phezu kwentloko yakho, kodwa imali-mboleko yesikhokelo sinye inokukunceda ukuba wenze intloko yakho ngaphezu kwamanzi.
Amakhadi enkoleko anqweneleka kakhulu xa ungasebenzisa ukunikezelwa kwezinga eliphantsi-nzala okanye ukunikezelwa kwemali yokunikezela . Jonga nje iirhafu kwaye qinisekisa ukuba unesicwangciso sokuhlawula ityala.
Umququzeleli unokuncedisa ukuba uvumeleke ukuhlawulwa kwemali ehlawulwa kakhulu kwi-bhanki okanye kumboleki-ntanethi. Abaqeshisi bafaka isicelo sebatyala kuwe , kwaye bathembisa ukuhlawula imali mboleko xa uyeka ukuhlawula. Oku kuyingozi kubongameli: banembopheleleko yetyala lakho, kodwa abafumani izibonelelo zetyala lakho - ngoko kuyinto enomdla yokwenza. Mcele kuphela umququzeleli oqonda ngokupheleleyo (kwaye uzimisele kwaye uyakwazi ukuthatha) ezo ngozi.
Ukuba uboleka ukwenza iintlawulo
Ukuba ulingeka ukuba ufumane umboleko wesikiti ukuze uhlawule ezinye iimali, hlaziya ezinye iindlela. Ukuthatha ityala lokuhlawula ityala kunokukufaka kwisikwere esiyingozi .
Xhumana nababolekisi bakho ukuxoxa ngezinto ozikhethayo. Kukho iiprogram ezinokufumaneka kukunceda ngokusebenzisa ipakiti ekhohlakeleyo. Ngokomzekelo, iintlawulo zemboleko zabafundi ngamanye amaxesha zingancitshiswa okanye zihlehliswe okwesikhashana . Ezinye iintlobo zababolekisi bangenzela "ukuqhubela umsebenzi" uhlobo oluthile.
Ukucebisa ngeengcebiso kunokukunceda ukuba uqonde imeko yakho. Kwezinye iimeko, unokufuna ukuba ngabacebisi bezikweletu baxoxisane nababolekisi bakho kwaye usethe izicwangciso zokubuyisela ukulungelelanisa uhlahlo lwabiwo-mali. Ezi nkqubo zihlala zibonelelwa ngokukhululeka, kodwa kubalulekile ukuphanda nawuphi na umcebisi ocinga ukusebenzisana naye. Ukuba ungena kwisicwangciso sokuhlawula, qaphela ukuba i- credit yakho inokubandezeleka .
Enye imibutho inokubonelela ngoncedo. Xhagamshelana neSebe lenu lezeMpilo kunye neNkonzo zoLuntu ukuze ubuze malunga neenkqubo ngaphambi kokuba ungeze umthwalo wakho wetyala.