Qonda iNkqubo ukususela Ekupheleni
Luhlobo Luni Lwemali?
Isinyathelo sokuqala kukufumanisa oko ufuna. Uhlobo lomboleko owufumana luya kuxhomekeka kwizinto oceba ukuzenza ngemali. Ezinye iintlobo zemboleko eziqhelekileyo ziquka:
- Ukuboleka imali ngokuzenzekelayo ngokuthenga isithuthi
- Imali-mboleko yasekhaya (iimali-mboleko zemali), kuquka i-mortgage yesibini yokuthenga ikhaya okanye ukuboleka ukulingana ekhaya lakho
- Imboleko mboleko , engasetyenziselwa phantse nayiphi na injongo
- Imali-mboleko yezo shishino ukuqala okanye ukwandisa ishishini lakho
- Imboleko yemfundo ( iimali-mboleko zabafundi )
Kwezinye iimeko, awuyi kuba nokukhetha okuninzi-akunakwenzeka ukuba umntu uza kukuboleka ngokwaneleyo ukuthenga ikhaya ngaphandle kokuba usebenzise i-mboleko eyenzelwe loo njongo. Ukusebenzisa imali mboleko ehambelana nemfuno yakho kuya kuphucula amathuba akho okuvunywa kwaye iya kugcina iindleko zakho ziphantsi.
Gqiba apho Uboleka khona
Thengeza. Kwakhona, ukhetho lwakho lunokuthi lunqunyelwe ngokubhekiselele kulolu hlobo lwemali-mboleko oyifunayo: ezinye iindawo azinikezi mboleko zoshishino okanye iimali-mboleko zomfundi. Qala uphando lwakho kumaziko awaziwa kakhulu ngokwenza iimali-mboleko ezingabizi-mveliso (umzekelo, ngena kwi-ofisi yoNcedo lwabaFundi besikolo ngemali mboleko yemfundo ngaphambi kokuba uye ebhanki kwimboleko yemali yabucala ).
Amabhanki kunye neemanyano zematyala yindawo enhle yokuthenga iimali mboleko. Hlola ngamaziko amaninzi kwaye uqhathanise amazinga omdla kunye neendleko. Ukuboleka kwamanye amazwe kunye neminye imithombo yemboleko yemarike kufuneka kwakhona ibe kuluhlu lwakho. Kukho iiwebhusayithi eziliqela ezinokufikelela kubaboleki abaninzi. Ukuboleka kwi-intanethi kukhuselekile ngokukhawuleza nje ngokuba unamathela kwiindawo ezihloniphekileyo.
Abanye abantu baboleke kubalimi ababucala njengabahlobo okanye intsapho. Ngoxa loo nto ingenza lula ukuvunyelwa kwaye kugcinwe iindleko eziphantsi, kunokubangela iingxaki. Qinisekisa ukuba ubeka yonke into ngokubhaliweyo ukuze wonke umntu akwikhasi elifanayo-imali ingonakalisa ubudlelwane, nokuba ixabiso leedola liyingcinci.
Gwema iimali-mboleko eziphezulu kunye nababoleki . Kuzama ukuthabatha nantoni na ongayifumana xa uphendulelwe ngokuphindaphindiweyo kwaye ungazi ukuba ungayifumana njani enye imali mboleko. Nangona kunjalo, akufanelekanga - baya kukuboleka imali, kodwa uya kuzifumana emngxeni onzima okanye ongenakwenzeka ukuphuma kuwo. Imali-mboleko ye-Payday kunye neenkqubo zokurenta-ngokwabo ziba yindlela ekhethileyo kakhulu, kunye neehokki zemboleko zingabi yingozi.
Qondisisa iNgxowa-mali yakho
Ngokubanzi ufuna "ityala" ukufumana mboleko. Oku kuthetha ukuba unembali yokuboleka nokubuyisela imali mboleko. Ufumana njani mboleko ukuba ungekhredithi? Kufuneka uqale kwindawo ethile, kwaye ngokuqhelekileyo kuthetha ukuboleka ngaphantsi nokuhlawula ngaphezulu. Emva kokuba uhlakulele umlando wesikweletu onamandla, ababolekisi baya kukuboleka ngakumbi kwaye banikeze amazinga angcono.
Ukuba uyazi ukuba unetyala elibi, jonga ukuba ungayifumana njani iMboleko ngeNgxowa-mali engekho
Unokujonga i-credit yakho mahhala-ufumana ingxelo enye yamahhala ngonyaka ukususela kwi-arhente yokubika ngetyala.
Jonga ngembali yakho yekhredithi ukuze uqonde ukuba ngababolekisi baya kubona ntoni xa ucela imali mboleko. Ngaba ubonakala ngathi ungumboleki okhangayo? Ukuba akukho nto ikhona, unokufuna ukwakha i-credit ngokwengeza kancane imali mboleko kwimbali yakho. Qinisekisa ukulungisa nayiphina impazamo kwiifayile zakho zekredithi, njengoko ziya kukulimaza amathuba akho okufumana imali ebolekileyo.
Ukuqonda iMboleko
Ngaphambi kokuba ufumane umboleko, jonga indlela umbolekisi osebenza ngayo . Uza kubuyisela njani - inyanga zonke okanye zonke ngokukhawuleza? Ziziphi iindleko zomdla ? Ngaba kufuneka uhlawule ngendlela ethile (mhlawumbi umboleki ufuna ukuba uhlawule ngekhompyutha nge-akhawunti yakho yasebhanki)? Qinisekisa ukuba uyayiqonda into oya kuyo kunye nendlela yonke into eya kusebenza ngayo ngaphambi kokuba uyiboleke.
Ingcinga efanelekileyo yokuqhuba izibalo zemboleko ngaphambi kokuba uboleke imali . Oku kukuvumela ukuba ubone indlela oza kuhlawula ngayo imali mboleko, kwaye indlela umboleko wemali eyahlukileyo ngayo (okanye izinga lentengo ) lingakusindisa imali.
Kukho izixhobo ezininzi ze-intanethi ngaphandle apho kunokukunceda ukubala iitaliti. Kukwabulumko ukujonga ithala lokuxhamla (nokuba uyakhela okanye uvumele ikhompyutheni ukuba yenzele yona) ukuze ubone indlela umboleko oza kuhlawulwa ngayo emva kwexesha.
Yenza imali-mboleko onokuyenza ngayo- enye enokuyibuyisela ngokukhawuleza kwaye ayinakukuthintela ukwenza ezinye izinto ezibalulekileyo (njengokulondoloza umhlalaphantsi okanye ukuzonwabisa okuncinci). Bonisa umyinge wakho wemali eya kuhlawulela ukuhlawulwa kwemali-mboleki - ababolekisi batshale ityala kwinzuzo yengeniso - kwaye uboleke ngaphantsi ukuba awuyithandi into oyibonayo. Ababolekisi bafuna ukufumana umlinganiselo ongaphantsi kwe-30% okanye.
Faka isicelo seMboleko
Ulungele ukufumana mboleko yakho xa unayo:
- Ukhethile uhlobo olungcono lomboleko
- Utshintshe ukhuphiswano
- Wakha i-credit yakho, kwaye
- Ukuqhuba amanani
Kule ngongoma, unokuya kumboleki wakho kwaye usebenzise. Inkqubo ilula ukuqala: mxelela nje umboleki-mboleko ofuna ukuboleka imali, kwaye ubatshele ukuba uza kwenza ntoni ngemali (ukuba kuyimfuneko). Baza kuchaza amanyathelo alandelayo kunye nendlela eya kuthatha ixesha elide.
Xa ugcwalisa isicelo, uza kunika ulwazi malunga nawe kunye nemali yakho. Umzekelo, kuya kufuneka uvelise ukuchongwa, unikezele idilesi kunye neNombolo yoKhuseleko loLuntu (okanye ulingana), kwaye unikezele ngolwazi malunga nemali engenayo.
Hamba ngokuBhala phantsi
Emva kokungenisa isicelo sakho, umboleki-mali uza kukuvavanya njengomntu obolekayo. Le nkqubo ingaba yangoko, okanye ingathatha iiveki ezimbalwa. Umzekelo, iimali-mboleko zasekhaya zithatha ixesha elide kunekhadi lesikweledu kuba kuninzi ngaphezulu. Imali-mboleko ye-Mortgage idinga iimpepha ezininzi, njengezitatimenti zebhanki kunye nokuhlawula i-stubs ukubonisa ukuba unako ukubuyisela. Unokwenza inkqubo ibe lula kuwe ngokwakho konke ukulandelelanisa ngaphambi kweenyanga.
Ngexesha lokubhala phantsi, ababolekisi baya kutsala i-credit yakho (okanye sebenzisa kuphela amanqaku ekhredithi) kwaye ubuyekeze isicelo sakho. Bangakubiza ngezinye iinkcukacha kwaye bakucele ukuba ucacise okanye uveze into ethile - ngokuqhelekileyo ngumqondiso omhle. Xa ababolekisi befuna iinkcukacha, kuthetha ukuba bathabatha ingqalelo ngokubhaliweyo kwaye banako ukunikela ngezinga lokuncintisana.
Indlela yokufumana iMali yeMashishini
Imali mboleko yezo shishino ibanjana naluphi na uhlobo lomboleko. Ababoleki bajonga izinto ezifanayo ezisisiseko. Nangona kunjalo, amashishini amatsha ayenayo imbali ebolekayo (okanye i-credit). Amashishini akwa-Nnew kunye namashishini enkonzo ayenayo i-asethi ayinokuba yimpumelelo, ngoko kufuneka asebenze nzima ukufumana iimboleko.
Kwiimeko ezininzi, kunye nomntu ngamnye-njengomnini-shishini-kufuneka asebenzise i-credit and personal income yakhe ukuze afaneleke ukuboleka imali. Kwakhona kufuneka ukuba bathembise impahla yabo njengempahla yokubambisa ukuze bafumane iimboleko. Le nto ibona yindlela kuphela yokufumana imali mboleko kwiminyaka yokuqala, kodwa kufuneka uzame ukwakha i-credit yekhredithi ukuze ugqibe ukuboleka ngaphandle kokufaka i-asethi impahla.
Ukuba awukwazi ukufumana iMboleko
Awukwazi ukufumana imvume kumzamo wakho wokuqala. Ababoleki bangakhanyela izicelo malunga nantoni na isizathu, kodwa kufuneka bakwazi ukukuxelela ukuba kutheni ungavunyelwanga. Kwiimeko ezininzi, abanakholwa ukuba unemali engenayo okanye umlando wesikweletu ukuba ulungele umboleko owenze isicelo. Kufuneka ufumane esinye isisombululo, ubhale ileta , okanye unokuzama ukuboleka ngoncedo lomnxibelelwano .