Isiseko seMali-mboleko yabasebenzi
Xa umboleko ungakhuselekanga, akukho propati okanye ityala "likhuselekile" okanye liqinisekise umboleko. Umzekelo, umboleko wemali mboleko uyagcinwa kunye nepropati - ukuba awuyibuyisanga mboleko mboleko yakho, umboleki wakho unelungelo lokuthengisa ikhaya lakho kwaye uqoke oko ufunwa yimali yokuthengisa.
Ngemali-mboleko engakhuselekanga, akukho nto ekhethekileyo ifakwe njengebhondi. Oku kwenza kube yingozi kakhulu kuwe (umbolekisi) kuba imiphumo ayifumanekanga ngokukhawuleza ukuba awuyi kubuyiselwa.
Ababoleki, ngakolunye uhlangothi, bathatha ingozi emininzi ngemali mboleko. Abanalo nayipropati yokuthengisa xa izinto zihamba kakubi, kodwa ke, zinokunye okukhethwa kukho ukuba zifuna ukuphinda zibuyisele umvuzo (ziyakuthatha isenzo somthetho malunga nawe kwaye uzame ukulungisa umvuzo wakho , umzekelo). Ngenxa yokuba abathengi bathatha umngcipheko ophezulu, ngokubanzi bahlawulisa iirhafu ezingenasisigxina kunokuba zenzelwe ukuboleka imali.
Ikhredithi yakho yenye yezona zinto zibalulekileyo ezibangela ukuba ngaba uya kufumana umboleko ongakhuselekanga okanye awuyi kuwufumana. Ukuba unetyala lekhredithi, uza kuhlawula umyinge omncinane kwaye uza kuba neenketho ezingaphezulu. Ngekhredithi engalunganga, awukwazi ukuba njengento ekhethiweyo, kwaye ungadinga umnxibelelwano-mvume ukuze ufumane imvume yemboleko.
Iintlobo zeeNgxowa ezingaphephile
Kukho iintlobo ezininzi zeengxowa-mboleko ezizikhuselekileyo, kwaye ngamnye uya kunye ne-tradeoffs. Zama ukukhetha umboleko oza kufeza ngokufanelekileyo iimfuno zakho ngelixa unciphisa indleko.
Imali mboleko yempawu zihlobo olusisiseko se mboleko engakhuselekanga. Njengoko igama libonisa, abaxhaswanga nto ngaphandle kwesayinwe - isithembiso sakho sokuhlawula.
Ezi mboleko zifumaneka kwiibhanki kunye neemanyano zeentengo zemali , kwaye ungasebenzisa imali nayiphi na into oyifunayo. Ngokuqhelekileyo ziboleko zemali zentengo ezithatha imali emva kwexesha, ngoko uboleka kanye kwaye uhlawule intlawulo yenyanga nganye kuze kuhlawulwe umboleko. Ezi mboleko zikhethiweyo kakuhle ukuba unetyala elihle kuba ziza ngokuzala inzala ephantsi. Imali-mboleko yesiginina inokukunceda ekwakheni iitaliti ukwenzela ukuba ukuboleka kulula kwaye kungabizi ngexabiso elizayo. Ukufumana mboleko yemali, tshela ibhanki yakho ukuba ungathanda ukuboleka imali usebenzisa imali mboleko.
Amakhadi enkoleko enye indlela eqhelekileyo yokuboleka. Xa usebenzisa ikhadi lokuthenga ngetyala, unayo ibhola lemali elikhoyo. Awufumani isamba semali ekuqaleni komboleko-mboleko, njengokuba ukwenza ngemboleko yemvumelwano. Kunoko, uboleka nantoni na oyifunayo nanini na ukuba uyidinga . Ukuba ufuna imali emininzi kamva, unako ukuhlawulisa ngaphezulu kwikhadi lekredithi (ukuya kumda wesikweletu ). Amakhadi eitaliti ayenziwa ngenxa yokuba baboleka lula: xa uvunyiwe, unokuboleka ngokukhawuleza kwangoko. Ngelishwa, inzala enomvuzo oyihlawula ngamakhadi-ngxowa ngokubanzi iphezulu kakhulu. Ewe, unokufumana "umyinge we-teaser" kwaye uboleka ku-0% kwithuba elithile, kodwa ezo zixa zihlala ziphela.
Kulula ukungena enkingeni ngamakhadi-ngetyala - unokukhawuleza ukuphela ukuhlawula amakhulu emadola ngenyanga ngeendleko zomdla.
Ukufumana imboleko yemakhadi yesikweletu, khangela i-imeyile yakho (ibhokisi lakho lemeyile linokuzaliswa kwezibonelelo xa unetyala elifanelekileyo) okanye uphendule iintengiso kwiintanethi.
Iimboleko zemali ziyimali-mboleko engakhuselekanga eyenzelwe inkxaso-mali yemfundo. Ukuba ungumfundi, bahlala bekulungele ukukhetha ngenxa yokubolekwa kwabafundi abaneempawu ezingenakuzifumana kwenye indawo: ukhetho lokubuyisela okuguquguqukayo , ixesha lobabalo , inkxaso-mali, kunye nokunye. Ngeemali-mboleko, akunakwenzeka nokuba unetyala elifanelekileyo. Ingqungquthela yedwa kunye neengxowa-mali zabafundi kukuba kufuneka ube ngumfundi.
Ukufumana mboleko yomfundi , tyelela i- ofisi yoNcedo lwezeMali esikolweni sakho. Baya kukukhokela kwinkqubo (kuninzi lweempapasho ezibandakanyekayo) kwaye uncede wenze isigqibo sokuba wenze ntoni.
Intsapho yokubolekisa imali ivumela ukuba uboleke kubantu, ngokuchasene nokuboleka kwindwendwe yendabuko njengebhanki. Iiwebhusayithi ezininzi zikuvumela ukuba uthumele isicelo sokuboleka imali kwi-intanethi, kwaye abantu banakho okanye bangangena kwaye baxhaswe ngemboleko yakho. Le mboleko, njengemali-mboleko yesiginesha, ngokuqhelekileyo iboleji zentengo ekhokhwayo, kwaye banamazinga enzala. Ziyakuvumela ukuba uboleke i-chunk efanelekileyo yenguqu. Nangona kunjalo, i-credit yakho ibaluleke kakhulu kwiimeko ezininzi.
Ukufumana uontanga kwintlawulo mboleko, tyelela enye yeziza ezikhethiweyo zeP2P. Prosper.com ( ukuhlaziywa ) kunye neKlabhu yeNgxowa ziindawo ezifanelekileyo zokuqala
Ukuba Unesikolo Esibi
Akunakwenzeka ukufumana mboleko engakhuselekanga xa unesikweletu esibi , kodwa kunzima. Unokukhetha okuncinci kwaye uya kufuneka ukhokhe ngaphezu kombolekekisi ngekhredithi enhle. Ukuba unzima ukuboleka, funda malunga nokufumana mboleko engakhuselekanga ngetyala elibi . Ukuba kuyenzeka, yibambe ekubolekeni uze uzuze i-credit yakho ukuya kwindawo apho ungafumana imali mboleko kwiimpawu ezikhangayo.
Kungcono ukuqinisa ikhredithi yakho ngokubolekisa nokubuyiselwa imali-mboleko kunye neengxowa-mboleko zingancinci. Ukuba ikhredithi yakho imbi, qiniseka malunga nokwakha kwakhona. Zama imali encinci ebolekwe ngemali ebhankini ukuze ufumane ukukhawuleza.