Indlela yokuboleka ngexesha lokwakha (okanye ukwakha kabusha) I-Credit
Ngomlinganiselo omncinane wesikolodo, kulula ukuwela kwiimigibe ezibiza, ngoko ke ukulungiswa okuncinci kunokukunceda ukuba ugweme iingxaki ezinkulu. Kodwa ukuboleka ngokuhlakanipha kukunceda ugcine imali kunye nokwakha i-credit yakho ukuze kube lula ukuboleka ixesha elizayo.
Yiyiphi Inkokhelo Ebi?
Ikhredithi yakho ingaba yinto embi njengoko ucinga. Ukuba utshelwe ukuba i-credit yakho yonakalisa amathuba akho okufumana mboleko, qiniseka ukuba yinyaniso. Kukho iziphoso ezimbalwa kwiingxelo zakho zemali . Xa ezi ziphoso zihleli, izinto zibukeka zihluke kakhulu kubalimi.
- Funda izinto ezisisiseko: Iyintoni iMboleko?
- Ngaba Uziphoso? Indlela yokulungisa iNgxelo yakho yeMboleko
Igama elithi "ngetyala elibi" lithetha izinto ezahlukeneyo kubabolekisi abahlukeneyo. Omnye umboleki angakucima xa abanye bekulungele ukuboleka. Ungesabi ukuthenga ngeenxa zonke ( ihlale isilungileyo) ngaphambi kokugqiba ukuba i-credit yakho iyintsebenziswano. Kodwa thengisa ngeendlela ezilungileyo :
- Hambisa zonke izicelo zakho ngexeshana elifutshane-ezimbini iiveki okanye kunjalo-ukuze ungadingi i-credit yakho ngemibandela emininzi kakhulu (oku kubonisa ukuba uyisilumko sokuthenga abathengi, ungakhange ufune imali entsha nganye inyanga)
- Faka isicelo kubabolekisi abahloniphekileyo nje ngeebhanki, imibutho yamatyala kunye nababolekisi be-intanethi bachazwe kule ndawo; Ababolekisi bexesha elide baya kuthi bahlale beninika imali-mboleko (" kungekho ngxowa-mali "), kodwa uya kuzisola kamva
Ukuba i-credit yakho imbi kakhulu, nanka iindlela ezimbalwa zokuzama ukufumana mboleko ngetyala elibi.
Tyelela iiNyunyana zetyala
Izinyunyana zemboleko zingenokuba zikulungele ukusebenza nawe, nangona unetyala elibi. Ngenxa yokuba bahlala bebancinci kuneebhanki ezinkulu , kunethuba elingcono lokuba bajonge kuwe - ngokuchasene nokujonga nje umlinganiselo wesikweletu kunye nezinye iinombolo kwisicelo semboleko.
Ukuba uhleli kwidesksi ebantwini, unokuqonda ngakumbi into abayidingayo, kwaye bayayiqonda apho ukhona kunye nento oyifunayo.
- Andiqinisekanga ukuba ungaqala kuphi? Jonga ukuba uManyano weeNkonyeli zisebenza njani
Amancinci amancinci, asekuhlaleni ayenokukhetha.
Zama i-P2P Ababoleki
Oontanga ukufumana iinkonzo zokuboleka ngenye indlela yinto enhle yokufumana mboleko ngekhredithi embi . Endaweni yokuboleka kwiibhanki (ngemithetho eqinile kunye neendleko eziphezulu ngaphezulu), unokuboleka kubantu. Bangaba novelwano, kodwa abajonge ukulahlekelwa yimali yabo.
- Isilumkiso se-P2P sabbolekayo: Yeka indlela Othandana ngayo nokuThengisa iMali yokuTyala
Abanye ababoleki be-intanethi
Ababolekisi be-P2P bathanda i-Prosper kunye neKlabhu yeLending baqala umendo, kwaye i-mboleko ye-intanethi iye yaqhubeka iguqukela. Oku kuthetha ukuba kunamathuba amaninzi okuboleka kwabathengi abangekho ebhankini, kwaye abo babolekisi bangase bazimisele ukukwazisa ngeekhredithi eziphantsi. Nceda uqiniseke ukuphepha iimali-mboleko ze-payday , eziyimali-mboleko ezifutshane kakhulu (kwaye zikhuthazwa kakhulu kwi-intanethi).
Thepha abahlobo kunye nosapho
Uninzi lwabahlobo ukujonga iindesayithi zivumela ukuba uboleke kubantu abangaziwayo. Nangona kunjalo, ukuba ikhredithi yakho imbi kakhulu, bakho abahlobo kunye nosapho bakho banokukhetha kwakho kuphela. Bayazi, kwaye banokuvuma ukuthatha ithuba.
Ukuba uboleka kubahlobo nakwiintsapho, yenza ngokufanelekileyo ukuze wonke umntu ukhuselwe: uxwebhu loxwebhu lwemali mboleko kwiphepha, kwaye uqwalasele ukusebenzisa umntu wesithathu ukucwangcisa iintlawulo.
- Ukufumana ezinye iingcamango jonga iMboleko Yentsapho - Ingqondo Efanelekileyo?
Ukuba ngabahlobo kunye nosapho abayi kuzinika imali yabo, basenokukwazi ukunceda. Ukuba banetyala elifanelekileyo , banokukunceda ukuba ufaneleke ukuboleka imali njengabantu ababhaliseneyo .
Sebenzisa uMbambiswano
Ukuba unenkathazo yokufumana imvume, unokufuna ukubeka i-collateral . Ngokufungisa into ebalulekileyo, umboleki wakho uyazi ukuba unobungozi kwaye unethuba elingcono lokuqokelela imali (kuba banokuthatha imali yakho kwaye bayithengise).
- Ukuboleka ngokulondolozwa kwakho kunye nokwakha isikweletu ngeMali-mboleko eViweyo
- Ubume bemivuzo yesibini: Imali YeeNgxowa-mali ze-Ekhaya zisebenza njani
- Buyela kwizinto ezisisiseko: Indlela yokuSebenzisana ngayo
Qaphela ngokubambisana ngokubambisa. Ukuba unobulungisa kwikhaya lakho, unokuhlawulwa ngokuthe ngqo kuyo - kodwa kukho iingozi ezibalulekileyo. Ukuba awukwazi ukwenza zonke iintlawulo zakho , unokunyanzeliswa ngaphandle kwekhaya lakho - kwaye oko kuya kwenza imeko embi ngakumbi.
Umboleki Qaphela
Abanye ababolekisi (kunye nabaculi) bathatha inzuzo xa uhla. Zijolise ngqo kubantu abanomdla wokuboleka, bazi ukuba ezinye iindlela zokukhetha zizinto ezimbalwa kwaye ziphakathi. Aba babolekisi bahlawulisa iintlawulo zeenkwenkwezi zezinto zenkwenkwezi kunye nokwenza kube nzima ukuba uzikhuphe ngaphandle kwetyala. Ukuba uboleka kumazinga aphezulu usebenzisa iimali-mboleko zemivuzo, i-mboleko yemali yemoto , okanye nayiphi na imali-mboleko "eya kuvumela wonke umntu ," ubeka engozini ukwenza izinto zibe zibi kakhulu ( ingabi ukukhankanya ukuhlaziya , ukuba usebenzise imoto yakho njengesiqhelo).
Ngamanye amaxesha, awuyi kujongana nomthengisi wangempela: abaculi bezabalazo banikela ngemali mboleko, kodwa kufuneka uhlawule imali ephezulu yokufaka isicelo. Ekugqibeleni, awuyi kuvunyelwa, kwaye awuyi kuphinda ufumane imali yakho (oku kwaziwa njenge-scam yohlaziyo). Gwema ukuhlawula iintlawulo zangaphambili ukufumana imali mboleko - nayiphi na imali yokusebenza kufuneka iphume kwimali yakho mboleko