Ababoleki banokwenza izinto ezininzi, kodwa nazo zingabangela iingxaki. Ngenxa yokuba umntu uzimisele ukuboleka imali ayithethi yinto efanelekileyo yokuboleka - qiniseka ukuba unesicwangciso esiqinileyo sokuhlawula ngaphambi kokuba uvume umboleko.
Ababoleki balindele ukuhlawulwa. Imigaqo yesivumelwano sakho sembolekiso iya kuchaza kakuhle indlela le nkqubo isebenza ngayo: kangakanani na oza kwenza iintlawulo, uza kuhlala uhlawula ixesha elingakanani, unomdla onjani oza kuwuhlawulela , kwenzekani ukuba awukwazi ukubuyisela, kunye nokunye. Kukunceda ukuvavanya zonke ezo zinto - ngaloo ndlela uyazi ukuba ungena phi kunye neendleko zemali nganye.
Ukufumana uMthengisi
Cishe phantse igalelo elilungileyo ukuthenga ngeenxa zonke. Ukubambisana kwakho okungenakukwazi ukukunceda kunye nekhredithi yokuqala othetha nayo, kwaye awukwazi ukubala kubathengi baninzi (okanye amagama amagama) ukuba uhambise ama-best deals. Indlela yodwa yokwazi ukuba ufumana intsebenziswano enhle kukuthetha nabathengi abaninzi kwaye uqhathanise ukhetho .
Uxakekile, ngoko unokuba ungaxhala ukuchitha ixesha ukuphanda ababoleki abahlukeneyo. Uya kufuneka unqume ukuba ungakanani umgudu wokufaka izinto, kodwa ubuncinci ufuna ukuthelekisa ababolekisi ababini abahlukeneyo.
Udidi lwemboleko oyifunayo luya kuthatha ukuba unyulo olunjani: eminye imibutho ayenzi imboleko yemali , umzekelo. Kweminye imboleko, njengemali- mboleko yakho , uza kuba nezinto ezininzi.
Ngoko, ungayithenga phi?
Buza ngeenxa zonke. Buza abantu obaziyo kwaye uhlonele amacebiso. Abahlobo, iintsapho, abacebisi, abacebisi kunye nabasebenzi abambisene nabo bangababoleka ngemali kwixesha elidlulileyo, kwaye banokuthi bancome ababolekisi bafumana amava amnandi.
Ukuba kunokwenzeka, cela umntu onamava olwazi malunga nohlobo lomboleko owenziwe kumbuzo (ukuba ufuna i- mboleko yasekhaya , cela ummeli we-estate estate).
Amabhanki kunye neemanyano zematyala yindawo enhle ukuqala malunga naluphi na uhlobo lomboleko. Ukuba isikhungo osebenza nabo asiboleki imali, kubhejethi ekhuselekileyo yokuba bangabonisa ukuba ngumboleki ohloniphekileyo owenza oko okukufunayo. Iibhanki kunye neemanyano zemboleko zikhethekileyo:
- Mboleko mboleko
- Mboleko mboleko
- Amakhadi ekwereta
- Imali mboleko yekhaya kunye nemigca yemboleko
- Imali mboleko ye shishini
Izihlobo, iintsapho kunye ne-P2P mboleko nazo zikhethwa. Unokufumana ukuba unenhlanhla efanelekileyo yokufumana imvume okanye ukuhlawula ngaphantsi xa uboleka "kwimithombo". Qhubeka ukhumbula engqondweni ukuba imali inokutshatyalaliswa kolunye ulwalamano oluhle, ngoko cinga ngokucophelela ngaphambi kokuboleka kubathandekayo. Iimali-mboleko zontanga kunokukuncedisa ukunqumla ibhankini ngaphandle kokubeka ubudlelwane phakathi kweengozi. Kukhuselekile ukuboleka kubanikezeli be-intanethi , kodwa banamathele kumasayithi awaziwayo ukuphepha iingxaki.
Qhathanisa uMthengisi kuMboleko
Kwimali-mboleko ethile, uya kufuna umboleki ojolise kwihlobo oluthile lomboleko. Ukusebenzisa imali efanelekileyo yomsebenzi ingaba yimfuneko . Ngokomzekelo, kunzima ukuboleka imali eyaneleyo yokuthenga ikhaya ngaphandle kokuba ukhusele umboleko ngemali-mboleko- ukwenza oko kuya kufuneka ukuba ufumane umboleki wemali mboleko.
Ngaphezu koko, kungenokuba kunomdla wokusebenzisa uhlobo oluthile lombolekiso (umzekelo, iimali-mboleko zemfundo zedolophu ziza nezibonelelo ezithile , inzala inokuba yinto engcono kunokuba ungayifumana kwenye indawo, kwaye unokukwazi ukufaneleka ngaphandle umlando wekhredithi ).
Imboleko yemali: ukuba ufuna ukuboleka esikolweni, tyelela i-ofisi yakho yoncedo lwezezimali. Baya kuchaza iindlela zakho kwaye bancede uqale inkqubo. Ngokuqhelekileyo kulungele ukuqala ngemali-mboleko evela kurhulumente wase-US, kodwa unako ukuboleka kubathengi bangebucala kunye nokuba kuyimfuneko.
Imali-mboleko yasekhaya (ukuthenga nokuhlaziywa): ukuba uboleka ukuthenga ikhaya, ukulungiswa okanye ukufumana imali mboleko yemali , unokukhetha okuqela. Umthengisi wemboleko, ngelixa engekho umboleki, unokuba nobudlelwane kunye nabanini-mboleko abaninzi kwaye unokukunceda uthengise (kodwa kusengumzekelo omuhle ukuthelekisa nayiphi na umthengisi wempahla engenani enye).
Ibhanki yakho okanye inkontileka yekhredithi nayo inokuba nezibonelelo - ingaba ziboleke ngqo okanye ziqeshe abathengi bemboleko kunye nabaphathi bemboleko.
Ukuba uthengisa umhlaba, ukwakha, okanye ukulungiswa, iimali-mboleko zokwakha zivela kubanikezeli abazikhethekileyo kunye neebhanki kunye neemanyano zemali-mboleko.
Imithombo engafanelekanga: imithombo engentla ifanele inakekele ininzi yemali-mboleko oya kuyidinga. Nangona kunjalo, iimeko ezithile zingakhokelela kwezinye iintlobo zabathengi. Ngokuqhelekileyo, iindleko zakho kunye neengozi zanda njengoko ulahleka umzila otyatywayo - ngoko kufanele wenze njalo xa kuyimfuneko.
Ngokomzekelo, ababolekisi bemali abanomsebenzi banikeza inkxaso-mali yexesha elifutshane kubatyalo-mali bezindlu (kodwa abaninzi abanini bezindlu bahle kakhulu kunye nababoleki bendabuko). Imali-mboleko ye-Payday kunye netyala leetayitile zibonelela ngexabiso elincinci lemali efutshane elifutshane. Iifenitshala, izixhobo zokusebenza kunye neenkonzo zesebe zinika inkxaso-mali, kodwa unokufumana iimeko ezingcono kwenye indawo.