Indlela yokwamkela
Yintoni iCosigner?
Umququzeleli ngumntu owenza imali mboleko kunye nawe kwaye uyavuma ukuhlawula ityala ukuba awuyi kuhlawula imali. Ukwenza oko, umququzeleli ubonisa isicelo sakho semali mboleko nawe (ngokomzimba okanye ngekhompyutheni) kwaye uqinisekisa umboleko.
Umququzeli "umi ngasecaleni" obolekayo, ukuze abobolekisi banokuqiniseka ngakumbi ngokuvuma imboleko : Ngoku abantu ababini banomthwalo wokubuyisela mboleko . Ubuncinane omnye wabo-ngokuqhelekileyo umququzeleli-ukhangeleka njengokubheja okukhuselekileyo.
Ngokomzekelo, isihlobo sinokukunceda ufumane imvume yokubolekisa ngemali ngokuzithembisa ukuba wenze iintlawulo xa uhluleka ukwenza njalo.
Kutheni ufuna i Cosigner?
Umququzeleli wenza isicelo sokubolekisa imali sikhangeleke kubakweleti, ngoko bazimisele ngakumbi ukuvuma iimali-mboleko kunye ne-cosigner eqinile. Ababolekisi banokuthi banikele ngemigangatho ebolekayo yemboleko, njengenqanaba elincinci lomrhumo, ukuhlawulwa kwempahla ephantsi, kunye nemali ephantsi.
Xa ufaka isicelo semboleko, ababolekisi bazama ukufumanisa ukuba ngaba baya kubuyiselwa imali okanye bangayi kubuyiselwa imali yabo. Bajonga ngokukodwa kwi-credit and income yakho ukuze wenze isigqibo.
Amanqaku esikweletu: Imbali yakho yokuboleka enye yeyona nto ibaluleke kakhulu. Ababoleki bafuna ukubona ukuba uboleke imali kwixesha elidlulileyo, nokuba ngaba awuyi kubuyiselwa imali kwixesha.
Ngokufanayo, bafuna ukwazi ukuba ngaba ungasemva kwanoma yiyiphi na imali-mboleko-ukuba sele usele nkxalabo, banqwenela ukuvuma ityala elitsha. Ukuba ubole ngempumelelo kwaye ubuyisele imali mboleko ngokuphindaphindiweyo, uya kuba nekhredithi enhle, kwaye unako ukufumana imvume.
Ingeniso: Ababoleki nabo kufuneka babone ukuba unemali engenayo eyaneleyo yokuhlawula imali-mboleko yakho-kuquka imali ebolekayo oyifaka isicelo.
Ukwenza oku, babala inani leetyala-kuya-ngeniso , elijongene nokuba ingakanani inzuzo yakho yenyanga ihamba kuyo yonke ityala lakho. Ngaphantsi, bhetele.
Ezinye izinto: Ikhredithi yakho kunye nengeniso yimiba ebaluleke kakhulu, kodwa ezinye iinkcukacha zichonga ukuba ngaba uya kuvunywa okanye awuyi kuvunywa. Ngokomzekelo, abanye ababolekisi banokuba banomdla ngakumbi kwimali-mboleko yemoto emitsha ngokuchasene neemoto ezisetyenzisiweyo, okanye amakhaya angabodwa-kwintsapho endaweni yokutyalomali.
Ukuba awukwazi ukuvunywa ngokwakho, umququzeleli unokuncedisa. Ingakumbi ukuba umboleki wakho ucinga ukuba ufumane umxhasi, umboleki-mali uthe awunakuhlangabezana nemigangatho yokuvunywa ngokwakho. Ngethuba nje i-cosigner yakho enekhredithi enhle kunye neninzi yengeniso, ukongeza ulwazi lwabo kwisicelo sakho kuya kuphucula amathuba akho.
Ukufumana iKosigner
Ngubani ongayisebenzisa njengomqhagamshelana? Qala kunye nabahlobo, intsapho, kunye nabani na abanokukukhuthaza. Ufuna umntu onomdla ekuncedeni kwaye ngubani owaziyo ngokwaneleyo ukuthatha ingozi. Cinga ngabantu abakholelwa kuwe kwaye baqonde ukuba kunzima kangakanani ukusebenzela ukuhlawula imali mboleko.
Amalungu entsapho anokukwazi ukuba bhetele kunanoma ubani, kodwa kufuneka ahlale kwindawo eqinile ngokwawo. I-cosigner efanelekileyo ngumboleki onamava kunye nenzuzo engaphezulu yokufumana imali mboleko yakho.
Akunakukwenza okulungileyo ukubuza umntu onetyala elibi (okanye akukho ngeniso) ukuba angene ngemvume. Ikhredithi enamandla iphucula isicelo sakho, kwaye inzuzo eyaneleyo inikezela isibhengezo sokukhusela xa ubomi bakho buqala ukuguquka.
Abazali bakho bangathanda ukukunceda uqale ukwakha isikweletu , abahlobo bakho bangathanda ukukunika isandla, okanye omnye umxhasi angakholelwa ukuba unokuhlawulela imali mboleko ukuba unako ukuyifumana.
Ungamangaliswa ukuba akukho mntu uzimisele ukukukhetha. Kubantu abaninzi, kuyingozi kakhulu. Nangona umququzeleli ufuna ukukunceda, abanakho ukukhululeka ukubeka ikusasa labo okanye iindleko zabo kwintsapho.
Ukuba ulawula ukufumana umququzeleli, thabatha uxanduva. Benza inceba enkulu kuwe, kwaye benza into enokwenzeka ukuba awukwazi ukwenza ngokwakho. Yenza konke okufunekayo ukufumana loo mboleko ehlawulwayo-yenza imibingelelo, usebenze ngokuthe xaxa, kwaye ulandele yonke ipenki oyichitha de uze uhlawulwe.
Indlela yokufumana umntu onokukutyhalela yona
Yilungiselele: Ukuqhawulwa komntu kubaluleke kakhulu. Yiya kwingxoxo eninzi eninzi ukuze uncede umntu enze isigqibo esinolwazi.
- Qalisa: Oku akusiyo ixesha lokuba neentloni malunga nemali yakho, nangona unelungelo lokugqiba indlela yokuphatha ubudlelwane bakho. Cinga ukwabelana ngeengeniso zakho kunye neenkcukacha zomsebenzi, eziza kuchaza ubuchule bakho bokubuyiselwa kwemboleko.
- Yazi iinkcukacha: Fumana ingqiqo ecacileyo malunga nendlela obolekwa ngayo ngemali mboleko, kubandakanywa iintlawulo zenyanga, iindleko zenzalo, kunye nezinye iimpawu. Ingaba kukho nayiphi na indlela yokukhulula umququzeleli emva kwenani elithile leentlawulo zexesha? Xoxa ngale ngcaciso kunye nomxhasi ozayo.
Yazisa kwaye uxoxe ngemingcipheko : Umququzeleli wakho kufuneka azi ukuba unobungakanani ngetyala njengoko kunjalo. Ngaphezu koko, ukwazisa ngengozi yabo yinto efanelekileyo ukuyenza-mhlawumbi abayizi ngeengxaki ezinokuthi zichazwe ngezantsi.
Ukuba awukwazi ukufumana iKosigner
Ukuba ufuna i-cosigner kodwa uya ku futshane, kunokukho ezinye iindlela.
Yakha isikweletu: Ukuba unokulinda ukuboleka imali, unokubona ukuba izikolo zakho zithuthuka emva kokuba uthathe amanyathelo okwakha i-credit. Yenza iimali-mboleko ezincinci, zihlawule kwaye uphinde uphinde. Unako ukuphucula amathuba akho okuvunyelwa kunye nezicwangciso ezifana nemali ebolekileyo yemali .
Ukubambisa isibambiso: Ukuba unayo into enokubaluleka, unokukwazi ukuboleka kwixabiso lempahla yakho. Ababoleki bafuna ukhuseleko -kuba ngaba ngumqhagamshelanisi okanye i-asethi abangayithabatha baze bathengise ukuze bafumane imali yabo. Kakade, oku kuyingozi ngenxa yokuba ungalahlekelwa i-asethi kwaye uphele kwiimeko ezimbi. Ngokomzekelo, unokulahlekelwa yindlu yakho kwi- foreclosure okanye ube nenqwelo-mafutha (ukushiya ungakwazi ukufikelela emsebenzini kwaye ufumane imali engenayo).
Bhoxa ngaphantsi: Kungenzeka ukuba akuyiyo yokuqala yokukhetha, kodwa ngaba kukho indlela yokuxhasa iimfuno zakho ngemali encinci? Unokufumana imvume yokuboleka imali encinci ngenxa yemboleko encinci ithetha iintlawulo ezincinci-apho ingeniso yakho ingakwazi ukuxhasa.
Ziziphi izingozi Ingaba iCosagner ithatha?
Ukuqhawulwa komntu ngumsebenzi onobubele. Abantu badla ngokumangalisa ukuba bafumana ingozi enkulu xa beqhawula, ngoko kubalulekile kubo bonke abantu-kuzo zombini iziphelo-mbambano-ukuqonda oko kusemngciphekweni.
Ukuhlawulwa kwemali mboleko: Okokuqala, i-cosigner ixanduva loboleko. Ukuba umboleki oyimvelaphi ehluleka ukuhlawula, umququzeleli ulandelelana, kwaye umboleki uya kuzama ukuqokelela. Unokuba neenjongo ezilungileyo zokubuyisela, kodwa izinto zenzeka. Unokulimala okanye ubulawe ngengozi (ukuxolisa ukukhupha oku), ushiye umququzeleli onoxanduva lokubuyiselwa ngaphandle kokuba umboleko wakho uxolelwe ekufeni .
Amandla okuboleka okukodwa : Ngenxa yokuba abaphathi beemali mboleko (nangona bangenako ukuhlawula), i-credit yabo ichaphazelekayo . Ukuba umququzeleli ufuna ukuboleka esikhathini esizayo, ababolekisi baya kubona ukuba umququzeleli unakho ukuhlawula imali ehlawulwayo, kwaye loo nto ingabakho umehluko phakathi kokuvunywa kunye nokugatywa.
Iingxowa-mali ezonakalisiweyo: Ndiyifaka i-cosigner ayikwazi okanye ayifuni ukuhlawula imali mboleko, i-credit yabo iya kuba neengxaki. Kufana nokuba bafaka isicelo sembolekiso ngokwabo-ukuba abayi kubuyiselwa, ababolekisi baya kuxela iintlawulo ezingekho phantsi kwiimboleko zemali- mboleko kunye nekhredithi ye-cosigner yangaphambili ityala . Oku kunokuba yingxaki ukuba umntu obolekayo elahleka iintlawulo ezimbalwa ngaphandle kokuba umqhagamshelana naye azifumanise . Umququzeleli angenakuze ahlawule nayiphi na into, kodwa ezo ntlawulo ezingekho phantsi ziya kuthintela ikhredithi yakhe.
Ukuba ucinga ukuqhelana nomnye umntu, qi
Hlawula i Cosigner?
Iinkonzo eziliqela kunye nabantu ngabanye banika iinkonzo zokubambisana, apho unokuhlawula umntu ukuba angenele kuwe. Qhubeka uqaphele xa usebenzisa ezi nkonzo. Ukuphonononga indlela umngcipheko wokuvuza umrhweba oyingqiqo kumcebisi-mali: Uya kuhlawula umrhumo omncinci, kwaye umququzeleli unembopheleleko yokuhlawula ipesenti yemali-mboleko yakho. Kufuneka uqonde ukuba oko kunengqondo kumntu.
Ukuba kuzwakala kuntle ukuba kube yinyani, mhlawumbi. Ngokukodwa kwiziza ezinjenge-craigslist, abantu bathembisa ukuba bangabhala, kodwa banokuba ngabaculi. Qaphela umntu ocela inombolo ye-akhawunti yakho yebhanki kunye neenkcukacha ezifanayo, okanye abo bafuna ukuhlawulwa kwangaphambili ngaphandle kwendlela yokuqinisekisa ukuba bayayilandela .