Ngaba Ufanele Uqinisekiswe?
Oko kuthetha ukuthini ukuqinisekiswa
Xa ufumana ubungqina bokuqala, uthumela isicelo sokuqala kumboleki. Bahlaziya i-credit yakho, kunye nezinye izinto, kwaye bakuxelele uluhlobo luni lwemboleko abazimisele ukuyenza. Ukufumana ukuqinisekiswa kukunceda ukuba ufumanise ukuba ingaba unini-mboleko uzakukunika, ngeliphi izinga, kunye nemeko ebonakala ngathi.
Yindlela yokufumana - ngaphambi komzuzu wokugqibela - nokuba ungayifumana imboleko oyifunayo okanye awuyiyo.
Akukho mfanelo
Akunjalo ukuba uboleke imali xa ufumana ubungqina bokuvuma. Ufumana nje ulwazi kunye negunya lokuxoxisana. Ukuba ufumana isibonelelo esingcono esivela kwelinye i-mboleko, unokuyithatha. Ngokufanayo, umnini-mboleko angenako ukwenza imboleko oye wavuma. Ukuba wena kunye nomboleki-mali baye bazaliswa ngokupheleleyo kwinkqubo yokumisela kwangaphambili , akufanele kubekho nayiphi na ingxaki. Nangona kunjalo, kwezinye iimeko umboleko uyenzeka kuphela ukuba imimiselo ethile idibeneyo, njenge:
- Imboleko yokuxabisa umlinganiselo uyamkeleka kumboleki, kwaye umboleki-mali uyavuma ukuba le propati ixabiseke kakhulu njengoko ucinga ukuba kulungile
- Iinkcukacha malunga nemali engenayo kunye neempahla zinokuqinisekiswa (ukuba bezingekho)
- Ngomboleko wemoto , othengayo kumthengisi onokusebenza nomboleki
Kutheni Ufanele Uqinisekiswe?
Xa usebenza nomboleki-mali, ufumanisa ukuba ngaba bazimisele kangakanani ukuboleka.
Bangakwazi ukuqhuba amanani athile kuwe kwaye bancede uqonde ukuba ungakanani ukuboleka . Unokuphinda usebenze amanani ngokwakho usebenzisa i- calculators online , kodwa akakuze uhlunguze ukuba uqinisekiswe ngaphambili kwaye ube nekhredithi ehamba ngaphezu kwayo yonke into - anokubona into ongayifumani. Bayazi imigaqo yabo, kunye nabanye ababolekisi banokuba nemigaqo efanayo.
Xa uyayazi ukuba ungayimboleka kangakanani, unciphisa ubuninzi bendalo yonke into yokuba uthengele oko ungakufumana khona. Uyakuphepha ukuzithandana nento engenakufikelela kwimali (kwaye oko kunokukunceda ukuba ululale ngaphezu kokuba ufanele).
Ukuqinisekiswa kwakhona kukuvumela ukuba uthengise njengomthengi wemali . Awudingi ukukhawuleza ukuxhaswa ngemali kumthengisi wemoto okanye utshele umnini-mthengi ongeyathetha naye kumboleki. Wena kunye nomthengisi unokuqiniseka ukuba imali iya kuba khona xa unquma ukuthenga.
Unokuqonda kwakhona iindleko xa ufumana ubungqina bokuqala. Ababoleki (nokuba ngaba yimbutho yemboleko , umthengisi wemoto , ibhanki yendabuko, okanye umboleki we-intanethi) kaninzi uphawula iirhafu ezikhangayo kwiintengiso. Nangona kunjalo, unako okanye ungakufaneleki loo maxabiso. Xa ufumana ubungqina bokuqala, ababolekisi bahlaziya i-credit yakho, imali engenayo kunye ne-asethi. Basenokubuza malunga nepropati oyithengayo ( imoto entsha okanye esetyenzisiweyo , ikhaya lentsapho enye okanye i-condo, njl). Ngaloo ngcaciso, banokunika isingqungquthela esichazwe ngokwakho nakwiimeko zakho.
Ukuba Uya Kufika Mfutshane
Kuthekani ukuba ufumana ubungqina bokuqala kwaye awukwazi ukuboleka kangangoko uthanda? Kufuneka uqale ngomsebenzi ongathandekiyo wokuqwalasela ukuba okanye ungayinciphisi umlindelo.
Ukuba ufumanisa ukuba ufuna ukuboleka ngaphezulu, unokhetho oluninzi:
- Ukwandisa ababolekisi bemali ngenzuzo bacinga ngokufaka isicelo semboleko ngokubambisana (kunye nomlingane, umzekelo)
- Yenza inkokhelo enkulu (eyanciphisa inani lemali-mboleko yakho)
- Ukunikezela ngokugqithiseleyo kumbolekisi (ukuba baya kuvumela oku)
- Sebenzisa umqondiso-cosa
- Sebenzisa umboleko wesikhathi eside (kodwa uqaphele ukuba uhlawule )
- Sebenza ekwakheni ikhredithi yakho ibe yinto ekhangayo njengombolekayo