Kutheni iibhanki zinikeza ukulungiswa kwemali?
Ukuba uyeka ukwenza iintlawulo, ibhanki ineenketho ezininzi.
- Ukuzama ukuhlawula impahla ( ukuchithwa kwezindlu , umzekelo)
- Ukuzama ukuqokelela (ngokusebenzisa ukulungiswa kwemali okanye umrhumo webhanki ), okanye ukuqesha umntu ukuba enze njalo
- Nika ithemba kwaye wamkele ukulahleka
- Jonga uvakalisa i-bankruptcy kwaye ufumana encinci okanye akukho nto
Akukho nanye kwezi zikhetho ezikhangayo kuwe okanye kwibhanki. Ikhredithi yakho iya kubandezeleka, kwaye kukho iindleko zemali ebhankini. Amabhanki asemashishini ekulawuleni impahla, kwaye mhlawumbi ukhetha ukungahambi.
Ngaba kukho enye inketho? Ewe-amabhanki anikezela ukuguqulwa kwemboleko ukwenzela ukuba akudingeki enze nantoni na ngasentla. Ukuguqulwa kwemali kungabiza kubiza kwaye kunenzuzo kwiibhanki, kodwa kungekho kwimeko nganye.
Ndingayifumana njani iNgxowa-mali?
Ukufumana utshintsho lwemboleko omele ucele. Biza umnini-mboleko wakho kwaye ubazise malunga nemeko yakho yezemali. Mane uthembeke kwaye uchaze ukuba ngaba uya kukwazi ukwenza iintlawulo zakho okanye cha. Buza ukuba yeyiphi indlela enokuyenza ngayo. Ukuba babona izinto ngendlela efanayo, unako ukufaneleka ukulungiswa kwemboleko.
Amabhanki anemilinganiselo eyahlukeneyo yokuvuma izicelo zokuguqulwa, ngoko akukho ndlela yokukwazi ngaphambi kwexesha ukuba uya kulungeleka - indlela yodwa yokufumana ukuba ucele.
Ziziphi iintlobo zoLungiso lwemali ezikhoyo?
Amabhanki angatshintsha imimiselo yakho yemboleko ukuze wenze iintlawulo zifikeleleke. Ezi zinguqu zinokuthi zihlale zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihleli.
Kukho nawuphi na umphumo, umphumo luyintlawulo ephezulu yokulawula xa ubuyela kwienyawo zakho. Ukufumana iinkcukacha ezongezelelweyo malunga nokugcinwa kwezinto, funda kwiindlela ezahlukeneyo zokuguqulwa kwemboleko onokuthi unikeze umboleki wakho.
Ngeentlawulo eziphantsi kwenyanga, unokuphelisa ukuhlawula ngaphezulu inzala kwiminyaka. Ukuba ukuguqulwa kwemali-mboleko kukugcina uhamba kwixesha elisondeleyo, kunokunokubaluleka kweendleko. Nangona kunjalo, qiniseka ukuba uyazi ukuba uza kuhlawula ntoni kwaye ukuba yindlela enhle kakhulu - kungekhona nje indlela yokukhulula imali ngenyanga.
Iingcebiso zokucela
Ukwenza inkqubo ilula, yilungele xa ucela ukuguqulwa kwempahla. Ibhanki iya kufuna ubungqina bokuba awukwazi ukwenza iintlawulo. Hlanganisa izinto ezilandelayo:
- Ingeniso yenyanga, kunye neenkcukacha apho ivela khona
- Iindleko zenyanga, zityhulwa ngumgangatho (ukuthenga imali, ukutya, ukuthutha, njl)
- Paystubs
- Ingxelo zeBhanki
- Izitatimenti zemboleko kunye nezivumelwano
Ukuba unika umfanekiso wesimo sakho semali, ibhanki inokwenza isigqibo malunga nokuguqulwa kwemali yakho ngokulula.
Ingaba ithatha ixesha elingakanani?
Kufuneka ulindele ukuchitha iiyure eziliqela ngexesha lakho ucela ukulungiswa kwempahla. Uya kulinda xa ubiza, kufuneka uvelise ityala lakho, kwaye kufuneka uzingele phantsi amaxwebhu uze uwadlulisele ebhankini.
Akukho msebenzi omncinci.
Emva kokuba ucele ukuguqulwa kwempahla, kufuneka ulindele ukulinda iiveki ezimbalwa ngaphambi kokuba ibhanki yenza nantoni na. Ngaloo xesha, yenza oko ibhanki ikuxelela - umzekelo, banokuthi kufuneka uqhubeke uhlawula iintlawulo ukuze ulungele ukulungiswa kwempahla.
Abancedisi bokuguqula imali
Uninzi lwamashishini lufuna ukukunceda ucele ukuguqulwa kwempahla. Intlawulo ohlawulayo inkonzo zabo iyancipha - ngokuphindaphindiweyo ngokuhlawulwa kwemali nganye. Awudingi mntu ukuba akuncede ucele ukuguqulwa kwemali (ibhanki yakho yenza isigqibo esekelwe kwiimeko zakho zezimali, kungekhona ocelayo).
Ngaphezu koko, kuya kufuneka unikeze ulwazi olufanayo kumncedisi njengoko uya ku-bhanki. Mane ubize ibhanki yakho kuqala uze ubuze into oyifunayo ukuba uyenze ukulungiswa kwempahla.
Ukuba ufuna ukuhlawula umntu ngexesha kunye nesikhokelo sakhe, oko kulungile - qaphela nje ukuba awunayo.