Eli gama lisetyenziselwa ukubhekisela kwimali mboleko phakathi kwabantu. Endaweni yokusebenzisa i-bhanki okanye inkampani yezemali, uyavumelana ngemigqaliselo yemali-mboleko kwaye usebenzisane kunye nokwakha imali yakho-ngaphandle kwebhanki.
Ezinye zee mboleko zininzi kubo bonke abachaphazelekayo.
Imali-mboleko ye-Auto Party
Ngeminyaka yobudala be-Craigslist kunye neziza ezifanayo, ukufumana imoto esetyenziswayo kulula. Kodwa ukufumana inkxaso-mali akulula. Ukuba uthengeza kumthengisi, baya kunika (okanye baqhube ) ukuxhaswa ngemali, abaye balungiselela nababolekisi basekuhlaleni okanye besizwe, kwaye kunzima ukuhamba ngaphandle kokuboleka imali.
Xa ujongene nomthengisi wabucala, ababoleki banokungabaza. Abazi nto malunga nesithuthi - kukuxanduva lwakho ukuqonda oko kukufanele. Nangona kunjalo, iibhanki kunye neemanyano zeentengo zemali ziyazi ukuba kukho imali yokwenziwa ngemali yokuboleka imali, ngoko ke banikela ngemali mboleko yemicimbi yabucala.
Imali-mboleko yemali yecala yangasese ifana nemali-mboleko yemali ephantsi, kodwa bavame ukuza nenani lentsha ephezulu, kwaye ngokuqhelekileyo abayi kuhlala ixesha elide (ibhanki ithatha ingozi enkulu kwizithuthi ezisetyenziswayo, ngoko zifuna ukunciphisa ingozi yabo. ).
Kuphi ukufumana enye
Ukufumana mboleko yemali yecala yangasese, kuya kufuneka usebenzise isicelo, kwaye imvume iya kusekelwe kwiimeko ezifanayo ezichaphazela yonke imboleko: ngokukodwa izikolo zakho zekredithi kunye netyala lakho lokufumana imali ; Umboleki ufuna ukubona ukuba unemali eyaneleyo yokubuyiselwa imali mboleko, kwaye uyazi kakuhle ukuboleka imali.
Ukuba awukwazi ukufaneleka, unokuhlala uzama ukusebenzisa umsebenzisi -mqondiso .
Iibhanki ezininzi kunye neemanyano zeentengo zemboleko zinikeza le mboleko. Uphando olukhawulezayo luyakubonisa ezinye zeebhanki ezinkulu kwiimarike, kodwa kufuneka uthengise amaziko amancinci. Ukuba awunayo inhlanhla ngebhanki enkulu, zama ibhanki yendawo okanye inkontileka yekhredithi , enokubakho indawo yokuhlala.
Ezinye iindidi zeMali "yangasese"
Ngamanye amaxesha iimali-mboleko phakathi kwabantu zidala imeko yokuphumelela: inkulu kubabolekisi (abafumana imali engaphezulu kunokuba banako ebhankini) kunye nabbolekayo (abahlawula inzala encinane kunokuba babeya kubhankini). Xa ababolekayo bekhredithi ephosakeleyo, iimali-mboleko ezizimeleyo zingaba yedwa okukhethwa kukho, nangona zihlala ziphezulu.
Ababolekisi ngabangasese bavame ukusetyenziswa ngemali yokuqhawula indlu. Imali mboleko yeBhanki ayisoloko isebenza kakuhle kwiipropati zotyalo-mali, kodwa abanye abantu (kunye nemibutho) iyingcali ngokukodwa ukwenza iimali-mboleko zexeshana zokuthenga nokuphucula iipropati.
Kuphi ukuboleka
Kukho iindlela ezimbini zokufumana iimali-mboleko zenkampani yangasese: uontanga kwiinkonzo zetyala kunye nabantu obaziyo . Ukuboleka kubantu abangaziwayo, tyelela oontanga ukuba ujonge indawo kunye nokufaka isicelo semboleko. Nangona ubeka umboleko wemicimbi yabucala kunye nomntu owaziyo, ezi ndawo zinganceda ngamaphepha-mboleko kunye nesevisi.
Uxwebhu
Uxwebhu luphambili kuyo yonke imboleko yemicimbi yabucala. Qinisekisa ukuba yonke into ibhalwe ngokubhaliweyo, kwaye wonke umntu uyaqonda kwaye uyavuma. Nangona kubonakala ngathi kusemthethweni, amaxwebhu anokuthintela intloko kunye nentliziyo ezayo kwixesha elizayo.
Ukubhalisa imboleko yakho yangasese, bhala isivumelwano okanye usebenzise omnye umntu. Kwiimali-mboleko ezinkulu, mhlawumbi zilungele ukusebenzisa isivumelwano esilungeleleneyo-ezininzi zinokungahambi kakuhle, kwaye izivumelwano ezibolekileyo zemali-mboleko zikulindele iingcingo.
Imibhalo yemboleko yemicimbi yabucala, tshengisa iwebhu, sebenze nommeli wendawo, okanye sebenzisa oontanga ukuba wenze inkonzo yokubolekisa inqaku elijolise kule mboleko. Ngokomzekelo, i-LoanKin ithengisa izivumelwano kwaye zize zenze iintlawulo kwiimali-mboleko kunye nezinye iimboleko.