Indlela iCosigner inceda ngayo
Umququzeleli ngumntu okunceda ufumane imvume yokuboleka imali. Umququzeleli (ngubani mhlawumbi unesitalathisi esinamandla kunye nengeniso) uthembisa ukuqinisekisa ukuba umboleko uyahlawulwa ngokusayina isivumelwano somboleko kunye nawe.
Ngamanye amagama, umququzeleli uthatha uxanduva olupheleleyo kwi-matyala - ukuba awuyi kuhlawula umboleko, umququzeleli wakho uya kufuneka akwenze. Ukuba akukho namnye onakho ukuhlawula imali mboleko, ngoko bobabini niya kubona amanqaku aphantsi ekrejethi (kunye neminye imizamo eqhubekayo yokuqokelela ngezenzo zomthetho ).
Kukho iindlela ezimbini zokuqhubela phambili apha:
- Fumana i-cosigner, okanye
- Yenza umsebenzi wokufumana mboleko ngokwakho - ngaphandle kwe-cosigner.
Kutheni ufuna i Cosigner
Xa amabhanki ahlola isicelo sakho sembolekiso, azama ukugqiba ukuba ngaba uya kubuyiselwa imali okanye awuyi kubuyiselwa. Ngokubanzi, bajonga izinto ezimbini: i-credit yakho kunye nengeniso yakho.
- Iimboleko: Ababolekisi bahlaziya umlando wakho wekhredithi ukuze babone ukuba uboleke (kwaye ubuyisele imali) kwixesha elidlulileyo. Ukuba uthe wabuya uhlawule ngenye imali mboleko, uyabhejwa ngokukhuselekileyo. Ukuba, ngakolunye uhlangothi, awunayo imbali-mboleko - okanye ubeke imali kwimali-mboleko kwixesha elidlulileyo - ababolekisi banqwenela ukuvuma imboleko yakho. Ababolekisi bangabuka kwiirekhodi zakho zeentengo zemali (oko unako kwaye kufuneka uyenze unyaka wonke - unelungelo lakho phantsi komthetho we-federal ), okanye basebenzise amanqaku ekhredithi ngokusekelwe kwingcaciso kwiingxelo zekhredithi.
- Ingeniso: Ababolekisi bajonga kwakhona ukuba ufumana phi, kwaye uninzi lwenkokhelo yakho yenyanga iya kufikelela ekuhlawuleni imali mboleko. Ukuba iintlawulo zakho zemboleko zithatha inxalenye enkulu yengeniso yakho, banenkxalabo yokuba uza kungena kwintloko yakho. Ukwenza oku, ababolekisi balala ityala kwinani lemali engenayo (umzekelo, banokufuna ukuba ugcine iintlawulo zakho zemali mboleko phantsi kwe-30% yengeniso yakho yonke).
- Ukongeza i-cosigner kukunceda udibanise iimfuno zemali-mboleko kunye neengeniso. Umququzeleli (ecinga ukuba banomsebenzi) uneza inzuzo yesibini ekhoyo ukukunceda ukwenza iintlawulo zemboleko. Ngokufanelekileyo, uya kuhlawula wena mboleko, kodwa umboleki ufuna ukukhuseleka - kunye nomxhasi, bangazama ukuqokelela kubantu ababini (apho, kwibono yebhanki ibhetele kunomnye). Ukuba umnxibelelwano wakho unetyala elifanelekileyo, oku kunceda - ubuncinane umntu obolekayo ngemali mboleko kunye nokubuyiselwa. Funda ngakumbi malunga nendlela usebenza ngayo .
Ukufumana iKosigner
Ukuba ufuna ukusebenzisa umququzeleli, kuya kufuneka ufumane umntu onetyala kunye nenkokhelo eyaneleyo ukuze uncede isicelo sakho sembolekiso sivunyiwe. Kwiimeko ezininzi, ilungu losapho okanye umhlobo osondeleyo usebenza njengomqhagamshelanisi. Qaphela ukuba nabani na abakuthethayo bathatha umngcipheko omkhulu: baya kuba ngu- 100% uxanduva lokuhlawula imali mboleko yakho.
Kakade, uceba ukuhlawula yonke into yakho, kodwa ubomi buzele iimangalo (ingozi yemoto inokukwenza ukuba ungeke ukwazi ukuhlawula iindleko zakho). Qiniseka ukuba umququzeleli wakho uqonde ngokupheleleyo ingozi kwaye unokukwazi ukufumana ingozi ngaphambi kokuba uwabeke kwindawo enzima.
Umququzeleli wakho uzakufuna ukugcwalisa isicelo sakho semali mboleko kunye nokubonelela ngeenkcukacha zemali ezifanayo ozinikele kwisicelo semboleko.
Ngokomzekelo, kuya kufuneka bathathe iNombolo yoKhuseleko loLuntu, umhla wokuzalwa, inzuzo, iidilesi kunye nolunye ulwazi. Yiba nomnxibelelisi wakho ukuzisa ukuba uyayifaka isicelo sokuba uboleke imali.
Yiya Yodwa
Ukuba awukwazi (okanye ungafuni) ukufumana umququzeleli, usenokukwazi ukuboleka. Ngokukodwa xa ungayidingi imali ngokukhawuleza, unako ukwenza umsebenzi wokwakha izikolo zakho zemali-mboleko ukwenzela ukuba ubole wena kwikamva - kufuneka wenze njalo.
Unokuba ufumane imvume yokuboleka imali ngoku. Ngokomzekelo, iimali-mboleko ezithile zabafundi zifumaneka kubbolekayo kungakhathaliseki ukuba ziphi na izikolo zemali. Ababolekisi be-intanethi banakho ukukulungela ukusebenza kunye nawe, kunye nekhredithi engaphantsi-epheleleyo-kodwa qiniseka ukuba unamathele nababolekisi abahloniphekileyo kwaye uphephe iimali-mboleko ze-payday online.
Ekugqibeleni, unokufumana imvume yokubolekisa ngemali mboleko xa uthembisa isibambiso - kodwa oku kuyingozi kakhulu.
Ukuba usebenzisa imoto yakho njengesiqinisekiso, inokubuyiswa kwakhona (kwaye awuyi kukwazi ukusebenza), kwaye iimali-mboleko zetekisi yemoto zibiza kakhulu . Ukusebenzisa ikhaya lakho njengobumbano kunokukhokelela ekugqibeleni , okwenza intsapho yakho ibe nzima kakhulu.