Xa uthengela ikhaya elitsha okanye umbolekiso wemoto, mhlawumbi uya kufaka isicelo semali-mboleko emininzi ukuze ufumane inqanaba elincomekayo lemali okanye ukufumana umboleki-mali oya kuvuma isicelo sakho. Umthengisi wemboleko okanye umthengisi womthengisi angenza izicelo zakho, ngoko ungeke uqaphele ukuba izicelo ezininzi zenziwe kuwe uze ubabone kwingxelo yakho yekhredithi. Ukwazi ukuba imibuzo yekredithi inefuthe elibi kumanqaku akho ekhredithi, unokukhathazeka ukuba ukuthengwa kwezentengiso kuya kuphazamisa amanqaku akho.
Nakhu okufuneka ukwazi.
Imibuzo yempesheni "imibuzo enzima" , oku kuthetha ukuba yiphumo lesicelo owenzile. Le yimihlobo yemibuzo engakonakalisa amanqaku akho. Imibuzo i-10% yemanqaku enkredithi yakho kwaye uhlala kwingxelo yakho yemali iminyaka emibili. Kuphela imibuzo evela kwiinyanga ezili-12 ezidlulileyo zifakwe kumanqaku akho ekhredithi.
Yiyiphi Intlawulo yokuThengwa kweMali yakho
Uninzi lweentengo zemali zokubonga zixolela xa kuziwa ekuthengiseni ukuthenga. Abaphatha yonke imibuzo efanayo. Enyanisweni, iimali zokubolekwa kwemali, iimoto, kunye nemali yokubolekisa ngemali zifumana uhlobo oluthile lonyango kuba abaxhasi bemali-mboleko bayaqonda ukuba ukhangele iqondo elifanelekileyo, ungazami ukufaka isicelo semali emithwalo yemali, imoto, okanye iimali-mboleko zomfundi. Iimpembelelo ezichanekileyo zemibandela emboleko yenkxaso-mboleko iya kuxhomekeka kwinkqubo yokubolekisa ngekhredithi esetyenziswayo.
Okokuqala, imibuzo evela kulaba babolekisi ayifakiwe kumanqaku akho okwekhredithi kuzo zonke iintsuku ezingama-30 zokuqala emva kokuba zenziwe.
Amanqaku akho ekhredithi awayi kuphantsi ngenxa yesicelo semboleko kwaye ayiyi kunzima ukuba ufumane imvume.
Emva koko, iintsuku ezingama-30 emva kokuba wenze isicelo sokuqala, zonke izicelo ezenziwe kwithuba lexesha ziphathwa njengophando olulodwa kumanqaku akho ekhredithi. Eli xesha lihluka kwiintsuku ezili-14 ukuya kwii-45 kuxhomekeka kumzekelo wokuthenga umboleko owenziweyo ukukhangela amanqaku akho.
Amanqaku amanqaku amatsha amanqaku abonisa ukuthenga ngetyala asebenzisa iwindi yeentsuku ezingama-45 kwiirhafu zokuthenga. Ngoko nokuba wenza izicelo ezi-5 okanye ezi-15, ziya kuba njengophando olulodwa kumanqaku akhokredithi (kuxhomekeke kwimiba yekhredithi yemali, ngokuqinisekileyo.)
Le "ntengiso yokuthenga" ngaphandle kwemibandela emininzi isebenza kwimali yokubolekwa kwemali , yemoto, kunye neziboleko. Ukuba wenza izicelo ezininzi zekhadi lesikweletu, umzekelo, uphando ngalunye luphathwa njengophando olulodwa ngaphandle kwanani linani owenzayo kunye nexesha owenzayo. Amanqaku akho ekhredithi anokukwazi ukulahla kunye nesicelo ngasinye sekhadi lesikweletu esitsha.
Nangona izicelo ezininzi zeemboleko zingaphathwa njengophando olulodwa kumanqaku akho ekhredithi, nokuba loo mibuzo yodwa ingabangela ukuba amanqaku akho ekhredithi alahle. Nangona kunjalo, impembelelo kumanqaku akhokredithi kufuneka ukuba afane kunye nokuba ungayifaka isicelo semali-mboleko enye kuphela kwaye iya kuncipha ngokuhamba kwexesha njengoko unciphisa izicelo zakho zexesha elizayo kwaye wenze zonke iintlawulo zakho ngexesha.
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Ungavumeli ukuba ukwesaba kwezinto ezinokuthi kwenzeke kumanqaku akho okuthenga ngetyala kukugcina ekuthengeni ngeenxa zonke. Kuhlala kusishukumisele ngakumbi ukuba wenze nayiphi na imali ekuthengeni enkulu njengendlu okanye imoto.