Code of kwisifundo imbali yekhredithi njengoko zifumaneka kwi-Savings Bank?

Code of kwisifundo imbali yekhredithi - iseti imilinganiselo yamanani kunye alfabhethi, ezisetyenziswa ukufikelela idata phantsi wokhuseleko kwiKhathalogu Central ka-Credit Iimbali (CCCH). Nalo kweebhanki amaziko abathengi nazo xa kufika elunxwemeni ukuze imali ebolekiweyo. Le mbono "imbali setyala" eRashiya namhlanje inemvelaphi ezingqondweni zabemi, kwakunye elithi "credit". Aze ngokunjalo ke wonke umntu onomdla ngesiquphe, apho ungenza olu hlobo lwazi. Kuba data ezinjalo, kufuneka kuqala ube ikhowudi ye isifundo yembali ngetyala. Wazi njani ukuba uze xa kuthe lokungabikho, siye sihlolisise khangela ngezantsi.

ikhowudi Injongo

Ukuze siqonde injongo ikhowudi yesifundo, khangela umzekelo. Banking iziko kuni kusebenza semali-mboleko, kufuneka ukuba zinike imbali yekhredithi. Kodwa andazi ukufumana olo lwazi apho. Ngoko ke musa ukuba uye ngeenxa zonke agcina inkcazelo ngeentengo zemboleko, ungasebenzisa le website ye-Central Bank, icandelo CCCH. Faka ikhowudi yakho kwisifundo ulwazi kunye ikhredithi imbali yakho, funda Bureau, equlethe ulwazi enxulumene nemeko CI, kulula. Ukuze nabakhohlisi nako ukubona olu lwazi ngawe, ukwazi kwakho iinkcukacha yokundwendwela, yaye livele ikhowudi yesifundo.

Into ekufuneka uyazi imbali yekhredithi?

1. Ukuze ukwazi imeko malunga yolingo lwezonyango kuyimfuneko ukuqinisekisa ukuba awunayo kumaziko ngetyala, eziye afunyenwe ubuqhophololo. Ekubeni kusoloko kukho elibi umgca ngetyala na nandzu yebhanki isakhono yomboleki. Abathengi badla babe ngamaxhoba-mthetho. Ukongeza, kukho iimeko apho imbali bureaux kuqwalaselwa wayengasulelwanga kona kubasebenzi bamaziko zemali owabhala ngempazamo mboleko egameni lakho. Kwiimeko ezinjalo, ungafaka ingxabano i data eziphosakeleyo.
2. Ukwazi olu hlobo lolwazi, kunokwenzeka ukuba ukwazi izizathu zokwala yeebhanki zokuboleka kunye nokulungisa loo meko.

Njani na imbali yekhredithi?

Umboleki lifumana imali-mboleko ebhankini kunye liqalisa ngokocwangciso, ukuba ndibuyekeze ngaphandle nakuphi na ukulibaziseka. Ngoko uqalisa ukwakha imbali ngetyala nawuphi na umboleki. Kungenxa kule meko iya kuba HIV, kuba akukho delinquencies.

Kodwa cinga ngemeko apho kuwe, ngenxa yaso nasiphi na isizathu, bavalelwa intlawulo elandelayo, okanye mhlawumbi ngaphezu kwesinye. embi ngokwenene, yaye xa musa uhlawule ityala lakho kwiziko yokubolekisa. Yilaa xa kukho Ukonakala kwenye imbali, yaye xesha babe okubi emehlweni amaziko zemali.

Phantse onke amaziko zebhanki kunikezelo ingqalelo imali mboleko ukuya kwimbali yamatyala umthengi lowo. Xa amabali amnandi abakulungeleyo ukukunika baboleke ngokwemiqathango kakuhle ngakumbi. Yaye ke ezimbi kusenokwenzeka usalindele ukusilela. Nangona phakathi kweenxweme, kukho abo asebenza kunye kubaboleki abaye zinembali ngetyala, kodwa iimeko zabo abangqwabalala, kunye namazinga enzala - extortionate.

Yintoni ingxelo yamatyala?

1. Vala yingxenye. Eli candelo libandakanya ulwazi malunga mboleki - igama, iinkcukacha yokundwendwela, inombolo inkcenkce njalo-njalo.
2. Icandelo engundoqo iqulethe yonke inkcazelo ngawe wafumana credits, ezizezi - ubonise isixa, igama ibhanki ekhuphe mboleko, ubukho okanye ukungabikho mboleko mali ebesilindelwe, ixesha lokuhlawula.
3. icandelo ezivaliweyo iqulathe iinkcukacha malunga namaziko leebhanki ekhuphe imali mboleko.

Nalapho unokufumana i CI ikhowudi?

Code of isifundo yembali ikhredithi isekwe ngumxhasi we ebhankini xa kokusayina isivumelwano semali-mboleko. Umzekelo, Sberbank ukhupha kuyo lesi sicelo kwisivumelwano. Kwaye kwezinye iibhanki kukhankanywa kwisicatshulwa sivumelwano.

Code of imbali yekhredithi - indibanisela nombolo ezininzi kunye nonobumba, kwaye kufuneka yaziwe kuphela mboleki.

Ukuba ikhowudi ayizange isetelwe phezu kokufumana imali ebolekiweyo, enokuza kamva. Oku kufuna isicelo ngqo kwi CRB okanye utyelele nayiphi na ibhanki.

ikhowudi njengesokongezelela

Xa sele unawo Ofisi ikhowudi CI, ungakwazi ukufaka ikhowudi olongezelelweyo. Yena, ngokungafaniyo undoqo, lisetyenziswa kuphela ingaphelanga inyanga enye ukususela kumhla ukubunjwa.

Amaxesha amaninzi, ezi khowudi wadalwa ukuze, xa imbali iimfuno zabathengi komnye umntu, umzekelo, ibhanki zange ukunika kuye imvume ebhaliweyo ixesha ngalinye. Unako ukumnika nje yena ezongezelelweyo i ikhowudi, aya kuba ukufikelela kulwazi eyimfuneko obolekayo inyanga. Ekupheleni kweli thuba ikhowudi ezongezelelweyo, usuke.

Indlela ukufumana ikhowudi ezongezelelweyo?

Inkqubo ukufaka ikhowudi olongezelelweyo yenziwa manyathelo alandelayo. hlobo lulandelayo:

1. Sayina le website Central Bank.
2. Faka ikhowudi ye kwisifundo imbali yekhredithi (indlela ukuyibona kwimeko ngelahleko - kuxoxwa ngezantsi).
3. Gcwalisa ifomu kwisabelo ikhowudi olongezelelweyo.
4. Yabela i ikhowudi olongezelelweyo.

Nangona inkqubo zokufumana ikhowudi ezongezelelweyo ilula, ithi iqinisekise kukhuseleko lwe-data zobuqu lo mboleki.

Indlela ukutshintsha ikhowudi ye sifundo?

Ukutshintsha mboleki ikhowudi yesifundo unelungelo lokufaka isicelo naliphi na iziko yezimali, hayi kuphela apho wathatha ngetyala. Ibhanki iza kuthumela isicelo eligcina inkcazelo ngeentengo zemboleko, apho ufumana CCCH, kwaye uya kuba nako ukuphendula apho. Impendulo esuka CCCH ufumana kwi-ofisi, kwaye ukusuka apho - yibhanki kunye obolekayo. Ukutshintsha le nqubo ngokukhawuleza, ungenza ngokukhawuleza uqhagamshelane kwiziko lamatyala.

Wazi njani ikhowudi ye sifundo?

Siye sahlolisisa iingongoma eziphambili, leyo ikhowudi kwisifundo imbali yekhredithi. Wazi njani ukuba xa kunokwenzeka undilibele oko? Kukho iindlela ezininzi:

1. Uyakwazi ukufumana ikhowudi wesifundo yembali mboleko ebhankini, apho wayeza ukunconywa. abasebenzi Bank kufuneka ingxelo ikhowudi kwi isicelo client yokuqala. Umboleki kule meko kuyimfuneko ukuba yokundwendwela.
2. Code kukhona isivumelwano semali-mboleko ukuba sifakiweyo kunye ukuboleka imali. Oku kucingwa ukuba indlela elula inkcazelo imbali yekhredithi ikhowudi yesifundo.
3. Wazi njani ikhowudi ukude? Unako ukuqesha iinkonzo inkonzo yeposi. Ukuze wenze oku, gcwalisa isicelo, ekufuneka kuqinisekiswe izivumelwano. Ke ukuba eso sicelo kunye irisithi ukwenzela intlawulo yeenkonzo izivumelwano wathumela NBCH. Khona apho kuya ukutshintsha ikhowudi uze uthumele kwidilesi yakho idatha entsha.
4. With isicelo enye, ungenza isicelo nayiphi eligcina inkcazelo ngeentengo zemboleko. Ukongeza, loo mboleki kufuneka abe yokundwendwela. Ngokusekelwe kwezi maxwebhu, uza kufumana i ikhowudi omtsha kumbandela imbali yekhredithi.

Wazi njani ukuba ngaba uthathe imali-mboleko kanye ebomini bam, le khowudi? Iindlela ezimbini zokugqibela ezilungele kule meko.

Kubalulekile ukuqaphela ukuba xa ulahlekelwa ikhowudi akakwazi ukubuyisela, ungafumana kuphela entsha. Kodwa musa ukucinga ukuba ingcaciso kwimbali ngetyala baziqwebele kwakhona, nabo bonke "izono 'ukuze ukufihla.

Wazi njani ikhowudi ye sifundo Savings Bank?

Xa umboleki kufuneka ukwazi ikhowudi ye kwisifundo kwimbali ikhredithi, Sberbank akazange akwazi ukuxelela. Kwaye ngenxa yokuba loo ngcaciso ayigcinwanga phakathi kwi ebhankini, kwaye kwiziko lamatyala. Ngoko ke kungcono ukuba umboleki ukujongana ngqo. Ukuze siphephe maqhinga, kufuneka uqhagamshelane ne-ofisi, abacandayo ubhaliso karhulumente. On esemthethweni website NBCH uyakwazi ukufumana ifom yesicelo ukufumana ikhowudi omtsha kumbandela imbali yekhredithi.

ngaba Ndizifumana njani ikhowudi kwi Savings Bank, ukuba mboleko safunyanwa apho? Kufuneka nje ukuba uqhagamshelane ilungu yebhanki yakho yokundwendwela. Ubophelelekile ukuba abike ulwazi isicelo yokuqala ukusuka client.