I ngendawo e Ingaba Unokubakho Nani Ngaphandle Kweebhanki?
Xa abantu bebhekisela kwimali-mboleko yabucala, bahlala bethetha enye yezinto ezimbini:
- Imali evela kumntu ngaphandle kwebhanki yendabuko okanye umanyano wekhredithi, okanye
- Iimboleko zemali ezingenayo kwiSebe leMfundo
Siza kugubungula zombini ezo zihloko ukuze ufumane imali ngokuyimfuneko evela kumboleki .
Ukufumana uMthengisi
Kukho iindlela ezininzi zokuboleka imali kule mihla. Amabhanki kunye neemanyano zemboleko ngamanye amaxesha angenakuvuma ukuboleka abobolekayo ngekhredithi engaphantsi-egqibeleleyo (nangona kunjalo akunjalo ngaso sonke isikhathi ). Ngenxa yoko, amashishini atshintele kuwo.
Ngelishwa, ukufuna ababolekisi kuyingozi kakhulu - ngakumbi xa usuka kwilizwe elikhohlisayo lababolekisi bemveli. Kulula ukufumana ubuni bakho obubiweyo, kunye nabathengi abathembisa ukuba basebenze nababolekayo abanokwenziwa ngetyala elibi badla ngokubiza (okungenza izinto zibi ngakumbi kunokuba sele zikhona). Ngaphambi kokuba ugcwalise isicelo, tyikitya isivumelwano, okanye uthathe nayiphi na imali, qinisekisa ukuba usebenza nomboleki ohloniphekileyo.
Musa ukuwahoxisa abancinci, ababolekisi bendawo: mhlawumbi ukulungele ukuboleka kuyo yonke indawo ngaphandle kwebhanki, kodwa ungayi kulawuli amabhanki asekuhlaleni kunye nemibutho yematyala yendawo .
La maziko amancinci ahlala ekulungele ukuboleka xa unetyala elibi. Esikhundleni sokuba ubhekane nemithetho eqinile, ufumana ithuba lokuhlala phantsi kunye nomboleki-mboleko ukuze uxoxe ngezinto ozikhethayo. Imboleko yomntu oqhelekileyo evela kwibhankini okanye inkontileka yekhredithi ingcono kakhulu kunokuba ihambe kunye nomthengisi okanye ihlawulwe umboleko wemivuzo .
Ababolekisi be-intanethi: ukususela ekubeni ukuboleka kwintanga-mboleko kwintsikelelo, kwinto elula kakhulu ukuboleka, kunye neentlobo ezinzima kwiingxelo zakho zemali-mboleko. Ababolekisi ngabanye bangaba nezimo ezinzulu kuneebhanki ezinkulu, kwaye ukulungelelaniswa nabo kulula. Ukususela ngoko, ezinye iintlobo zabathengi be- intanethi zenze ukuba bakwazi ukuboleka kwabathengi abangekho ebhankini. Abatyalomali abanemali eyongezelelweyo banikezela ngezimali ngemali-mboleko, kunye neerhafu zihlala zikhuphisana.
Ukuboleka kubantu obaziyo: ukuba ngabahlobo okanye amalungu omndeni anemali engaphezulu, banokukulungele ukuboleka kuwe. Kodwa kukulungele ukuba wonke umntu akwenze ngokubolekwa ngokusemthethweni, okubandakanya isivumelwano semali-mboleko, nemigqaliselo ethile yokubuyisela, kunye nokunika ingxelo kwii-freeaus zemali-mboleko (oku kukunceda uvuselele ikhredithi yakho , ngoko unako ukhetho oluthe xaxa). Qala ngeengxoxo ezinzulu kunye nenkcazo malunga neemfuno zomntu kunye nokulindela, kwaye uqhubele phambili xa kulungile. Ukufumana iinkcukacha ezininzi ngokugcina wonke umntu onwabileyo, funda ngezihluthulelo zemboleko zentsapho ephumelelayo (phepha imali mboleko kunye nabahlobo kunye nabaziwayo ngendlela efanayo).
Imali-mboleko yezindlu: ukuba ungumtyalo-mali wezindlu, mhlawumbi ufuna imali rhoqo, kwaye ukufaka izicelo zokubolekisa iintlawulo. Abanye abantu abazimeleyo (kunye neminye imibutho) iyingcali ekuzibopheleleni ngokuphindaphindiweyo kubatyalimi bezindlu, kwaye kuyafaneleka ukuba baqhelane naba babolekisi.
Ngamanye amaxesha eyaziwa ngokuba yimali-mboleko yemali enzima , le mboleko ingavalwa ngokukhawuleza, kwaye awudingi ubungqina bendabuko bemali kunye neempahla abanye ababolekayo.
Imali Yomfundi
Ukuba uboleka imfundo, kukho iintlobo ezimbini zemali-mboleko: iimali-mboleko zemali kunye nemali-mboleko yabucala.
Qala ngemali-mboleko yezemali: iimali-mboleko ezibonelelwa ngeSebe lezeMfundo zidla ngokuba zizinto ezifanelekileyo, kwaye ngokuqhelekileyo ukuboleka into onokuyenza ngezo nkqubo ngaphambi kokuba ufikelele kwiimboleko zemfundo yabucala. Kwabaninzi abantu, iimali-mboleko zemfundo zedolophu ziyaziguqulela kwaye zixolela (ingakumbi xa uwela kumaxesha anzima). Ingakumbi, i-credit yakho ayibalulekanga kakhulu kwiinkqubo zemboleko zorhulumente.
Imboleko yemali yabangasese: ukuba awukwazi ukuboleka kangako njengoko ufuna ngeemali-mboleko zemali, oko kulungile - unokufumana ngaphezulu ngemali mboleko yangasese .
Nangona kunjalo, kulula kakhulu ukufumana iimboleko zemali yabucala kunye nekhredithi enhle. Uninzi lwabafundi abanomvuzo omncinci okanye ongenayo, okwenza kube nzima ukubonisa ukuba unako ukubuyisela. Ukuze ufumane imvume kunye nomthengisi wabucala, ungadinga ukusebenzisa i-cosigner (othabatha yonke ingozi yokuboleka nawe).
Kuhlala kulufanelekile ukukhankanya ukuba iimali-mboleko zomfundi zilula ukufumana nokuzibuyisela . Bhoxisa kangangoko kunokwenzeka, kwaye uqwalasele indlela oya kukwazi ngayo ukuhlawula loo mboleko emva kokugqweswa.