Consumer kwikhredithi engakhuselwanga - yintoni ukuthini, ingakumbi inzala kunye nohlaziyo

Kudla kukho amaxesha xa ifuneka ngokungxamisekileyo imali, kwaye Sibambise impahla no. Yaye ke, njengoko phantse wonke ummi namhlanje kuze-mboleko incinane, bafumane co-yaho kwakhona kusiba yingxaki. Inye kuphela into - ukwenza isicelo semali-mboleko ngaphandle izibambiso. Consumer kwikhredithi engakhuselwanga - oko kuthetha ntoni yaye ziziphi iimpawu zayo?

definition

Phantsi lokuthenga mboleko angakhuselekanga ngaphandle ukuqonda kwempahla akananto nokunqaba. Ngaloo umba lwamatyala omsebenzisi ngaphandle mali? imali waboleka ungakwazi ndidleke kuphele, ngenxa nayiphi na injongo ngokokubona kwayo. Oku kube nokulungiswa, ukuthenga izinto okanye izixhobo. mboleko Ezo efanelekileyo xa ufuna imali ngokukhawuleza.

Ezi mboleko ziquka:

• credit cards;
• imali okanye ngetyala kwi-akhawunti;
• mboleko Internet e neevenkile ukuthengwa kweempahla.

imfuneko

amaziko ezemali kubeka phezu kubaboleki zabo ezi mfuno zilandelayo:

1. Ubukho abhaliswe ngokusisigxina kulo mmandla, apho sibekwe khona iziko lemali. Ezinye iibhanki ukuba avumele yobhaliso yethutyana.
2. yobudala yomboleki iyahluka ukusuka kwiminyaka eli-18 ukuya kuma-70. Kwakhona, ayanda ubudala, kokukhona kubonakala ukuba ibhanki iya kufuna ilungiselelo. Ngoko ngokupheleleyo kulo mzekelo, athabathe Uboleke ukuya kwiminyaka engama-60.
3. Ubukho umsebenzi osisigxina kwaye kukho umthombo esemthethweni yengeniso.
4. kufuneka ungabi omdala ngaphantsi konyaka, kwaye emsebenzini lokugqibela - hayi ngaphantsi kweenyanga ezintandathu.
5. Kuba abantu, le mboleko sisenokwamkelwa phezu noqeqesha ngenkqubo ID yasemkhosini.
6. Xa ucacisa iinkcukacha zoqhagamshelwano kuyimfuneko ukuba ifowuni olongezelelweyo.
7. Ukuba mboleko kuthathela ingeniso ingqalelo usapho, kusetyenziswa imiqathango efana ukuya kwelinye iqabane.

imiqulu

Ngokuqhelekileyo, iibhanki ezahlukeneyo ifuna kubaboleki ukuba amaxwebhu ezahlukeneyo. Kodwa ngokusisiseko ke isethi eqhelekileyo, equka:

• isicelo semali-mboleko;
• yesazisi;
• uxwebhu yesibini ukuze siqinisekise ukuba ungubani mboleki (nokuba SNILS okanye ipaspoti okanye mvume lokuqhuba);
• Inn;
• ikopi umsebenzi;
• ireferensi 2-emhadini.

Ezinye iibhanki kwi Ukongeza kula maxwebhu angentla bangacela isiqinisekiso evela kwingxowa-mali yomhlalaphantsi, ingxelo yebhanki, imbuyekezo yerhafu (ukuba amaqumrhu asemthethweni), yaye ezinye - kuphela ipasipoti ingxelo yengeniso, ukubonelela lwamatyala omsebenzisi ngaphandle zokhuseleko, kodwa kwimeko yokugqibela, esi sixa siya kuba lincinane.

iimeko

Iimeko, nomnikelo amaziko zemali zahlukile kakhulu. Umzekelo, ukuba imbali entle ngetyala nokuba lilungu le projekthi lomvuzo zingafumaneka ebhankini unyanisekile kule meko mboleko yabathengi ngaphandle izibambiso. Kuthetha ukuthini? Oku kwenzala ubuncinane, ixesha ngetyala eziphakamileyo, inani eliphezulu-mboleko. Hi ndlela leyi, izinga lenzala kungancitshiswa ukuba umboleki iyakukhupha inkonzo eyongezelelweyo ngokohlobo inshorensi yengozi okanye ukulahleka umsebenzi.

Cinga iimeko ezisisiseko mboleko ngaphandle izibambiso.

Umxhamli kufuneka ilungiswe yokuba iibhanki ezicinga kakuhle kakhulu izicelo mboleko kwaye efuna zinxulumene kubaboleki elizayo. Ukuba umbutho kukho nayiphi na intandabuzo, mhlawumbi, iza azivumi kusebenza ngaphandle isiqinisekiso okanye ukhuseleko.

Kukho iibhanki abazibandakanyileyo inkxaso sikweni, njengoko kubonelelwe yi isibambiso kuthathelwa ingqalelo, kodwa iimeko zemboleko aziphazamiseki. Olu khetho ezisetyenziswa xa ixabiso ngummeli wowona incinane, yaye waba ngummeli wowona ulungileyo lingenako ukuhlangabezana neemfuno ebhankini.

Overview kweebhanki

Cinga nje ngomzekelo beebhanki ezahlukahlukeneyo, nto leyo mboleko yabathengi ngaphandle izibambiso. Amagqabantshintshi Bank inala amaziko mali sikhulu laziwa kakhulu.

Ekubeni ingqalelo izindululo eziphambili yeebhanki ezinkulu, uyakwazi ukuqonda ukuba kuthetha ntoni na-mboleko umboleki ngaphandle izibambiso. Sberbank, umzekelo, inika umlinganiselo omhle ngayo ngokwemigaqo eyamkelekileyo, kodwa ephantsi wenzala ziya kusetwa kuphela xa iphakheji ubuninzi zala maxwebhu ziya kuboniswa. Neminye imibutho ayikhulise irhafu. Kwaye bonke ngenxa yokuba akukho mali.

Kodwa, le ndlela kubolekisa lineqela nokululutho yebhanki zombini umthengi, nangenxa lemfundo mali kakhulu.

Izinto eziluncedo nezingeloncedo ukuba umboleki

Consumer kwikhredithi engakhuselwanga - yintoni ntoni ukuba umthengi ebhankini? Qwalasela ngobuhle ezisisiseko kunye neengozi yale ndlela mboleko.

Kwelinye icala HIV ezi zilandelayo:

• ithuba lokuba athathe mboleko ngaphandle kokunika akananto real estate kunye guarantors;
• uluhlu isezantsi yamaxwebhu;
• ixesha quick Ekuqwalaseleni isicelo njengoko sifakiweyo;
• lula ukugqiba isivumelwano kwi-mboleko;
• ukungabikho kolawulo kwicala ebhankini yokusetyenziswa kwemali.

Emacaleni ezimbi ziquka oku kulandelayo:

• izinga Internet wenzala liphezulu kakhulu;
• Izohlwayo eliphezulu nezohlwayo kweentlawulo emva kwexesha kwaye non-ekwenzeni kwabo izibophelelo ngetyala;
• imali mboleko ngaphandle ukhuseleko ungaphantsi kakhulu kunye naye;
• ibhanka ukunciphisa imiqathango yamatyala, ukuba ibona oko kuyimfuneko;
• obolekayo unoxanduva ebhankini semali-mboleko yonke impahla yayo.

Ubuhle nobubi yeebhanki

Nika lokuthenga ngaphandle akananto - yintoni ntoni ukuba iibhanki? Kwelinye icala, ukugqithisela abolekisa hlobo Imfuneko inkqubo phakathi abathengi ibhanki yakhe, ingeniso ephezulu-mboleko kunye icebo lula wokuqwalaselwa kwezicelo. Kwelinye icala, kukho kwakhona izinto ezingeloncedo. Le iingozi noko eliphezulu neenzima recovery xa kuthe emiselweyo.

Noko ke, le mveliso okunikelwa ngenxa ingeniso ephakamileyo kwiziko zemali.

reviews

Ngokutsho ingxelo iikhastoma abohlukeneyo iibhanki, mboleko yabathengi ngaphandle akananto - isixhobo ziluncedo xa ufuna imali, uthabathe kubo ndawo. Lula na impendulo fast nje kuphela isicelo ebhankini, kodwa ke akunakho ukuyibuyisa le mali ngaphambi ishedyuli kunye nokwahluka intlawulo yenyanga (phezulu).

Asingabo bonke, Kakade ke, aqhube kuyilo mboleko. Kukho kwakhona abathengi ungonelisekanga. Kodwa ke, njengoko kuvela, abo kubaboleki abo imbali embi ngetyala, okanye inkonzo ukuba akakwazi ukubakho nayiphi na amaxwebhu afunekayo.