Ukubhalisa ngokubakho kwenzeka xa umntu uthembisa ukuhlawula umboleko kwabanye. Oku kwenzekayo xa ibhanki ingayi kuvunyelwa mboleko (okanye ayiyi kuvuma isicelo sokuqala, kodwa iyilonga ukuboleka xa kubandakanyeke umnxibelelwano).
Ababhoda ngokubanzi badinga inkokhelo enhle kunye neengeniso ezaneleyo zokufumana imboleko. Ukuba abanako ukufaneleka ngokwabo, bangasebenzisa i-credit-signer kunye ne ngeniso ukuze bancede.
Xa umntu udibanisa , bafakwe kwisicelo kunye nesigqibo sokuboleka imali-bayandisa isibheno somboleki.
Isenzo sokubhalisa ngokubambisana sisona nje into esafana ngathi: umnxibelelwano usayine isivumelwano kwaye ube ngumthwalo wemboleko.
Yintoni Okufanele Ndiyazi Xa Ndifumana I-Co-Signer?
Ukufumana i-co-signer kunzima. Kubaqalayo, kufuneka ufumane umntu onetyala elifanelekileyo, kunye nenkokhelo eyaneleyo yokuxhasa imali yakho mboleko (ukuba ungathethi nayiphi na enye imali ebolekwa ngayo). Oku kuthetha ukuba umntu onomlando omdala obolekayo ofumana imali engaphezulu okanye ngaphezu kwakho.
Okulandelayo, kufuneka ufumane umntu ozimisele ukubhalisa. Lo mntu uya kuthatha uxanduva lo-100% lwemboleko xa ungaphumeleli ukuyihlawula nayiphi na isizathu. Lo xanduva olukhulu - ukuba ufa engozini, ulahlekelwe ngumsebenzi wakho, okanye unqume ukungahlawuli, umsebenzisi-ntanethi ushiye ityala lakho. Ukuba abayikuhlawula, i-credit yabo iya kubandezeleka, ngoko ukucela umntu ukuba asayinele ukuba ucele ukuba uncedo olukhulu.
Ukufumana iinkcukacha ezingakumbi, khangela Ukufumana nokusebenzisa i-Co-Signer .
Ukuba kuvela ukuba awufumani nabani na ukuba babhalise imali mboleko yakho, okanye ukhetha ukungawusebenzisi umsebenzisi-ntetho, kukho iindawo zokubaleka. Ngeengcamango ezimbalwa, funda Fumana iNgxowa ngaphandle kwe Cosigner .
Khumbula ukuba oku akuyi kuhlala ngonaphakade: ngokuhamba kwexesha, uya kwakha isikweletu kwaye uza kuboleka wena.
Yintoni Ndifanele Ndiyazi Ngaphambi Kokubhalisa Iingxowa-mali?
Ukutyikitywa kwemali-mboleko yomntu onobungozi. Njengoko kuchazwe ngasentla, uthatha uxanduva ngokupheleleyo ngemboleko-nangona ungayifumana imali. Ukuba umbolekeki akakwazi okanye akayi kubuyiselwa, umthwalo uya kuwa kuwe.
Ukubhaliswa kwe-co-ordinative kungaba yingozi nangona ukuba umboleki oyintloko uyabuyisela imali mboleko: xa usayina, abanye ababolekisi banokubona ukuba uya kuba nokuhlawula ityala-ukuze banokungabaza ukuboleka wena ngabanye. Oko kuthetha ukufaneleka kwikhaya okanye mboleko yemoto kuya kunzima, nangona ungenzi naliphi na iintlawulo kumbolekisi osayine ngawo.
Ukutyikitywa kwemali mboleko ngumsebenzi onobubele: uya kunika umntu isandla, kaninzi ngaphandle kokuchitha imali yakho yemali. Kodwa kuyingozi. Khumbula, ibhanki iseshishini lokubolekisa , kwaye abavumelanga ukunika imali kumbolekayo-ke kufuneka ube nesizathu esihle sokuthatha umngcipheko. Ukubona ezinye iinkcukacha (kunye nezinye iindlela zokuncedisa ngaphandle kokubeka ikhredithi yakho kumgca), funda ngaphambi kokuba Ungayibhalise iNgxowa-mboleko .