Imbali credit umonakalo - isilungiso kunokwenzeka

Kaloku, njani ukufumana imali-mboleko? Ngokwenene akukho ibhanki ukulungele ukuba likhuphe mboleko ukuba abe yinto ephangiweyo imbali yekhredithi?! Nisenza isingqala kumphefumlo wena engapheli imibuzo-buciko umnikimali nomamkelimali. Hayi, ukuba ukufumana imali-mboleko kunye nembali kwezamatyala kunokwenzeka. Kodwa ukubala kwi mboleko kunye eliphantsi wenzala ayikho imfuneko.

sluagh badla ukuba umboleki uya abaninzi iibhanki abafuna ukufumana imali-mboleko kunye nembali embi ngetyala kwaye ufumana neentsilelo rhoqo.

Xa iqwalasela isicelo semali-mboleko, ibhanki okanye MFI, ungafuna ngenene ukukhangela kubani ukuba ikhuphe ikhredithi, kwaye kakhulu kwabo engozini imali yabo. Ukulungiselela le njongo, ibhanki abuze mboleki lwe data yalo yesazisi, ayithumele eligcina inkcazelo ngeentengo zemboleko, ukuze uqonde ukuba yintoni na umngcipheko engagqibekanga kwi mboleko umntu othile. Imbali credit komntu ngamnye, ulwazi olugcinwe kwi mboleko ezikhutshwe ngaphambili, ubunjubaqa, okanye i-akhawunti yetyala facts okudlulisela-arhente kollektrskoe. Kakade ke, ukuba imbali yekhredithi yomntu wonakele, ngenxa ingqeqesho yayo yemali ephantsi, kukho amathuba omkhulu ukusilela.

Kodwa ke izizathu apho umboleki eseleyo ngembali ngetyala yonakele inokuba okuninzi, loo nto sisifo, kunye nokugxothwa okanye usapho iimeko. Kwaye ke iibhanki, njengoko umthetho, besiya kubaboleki bajongene neengxaki zemali zethutyana, nokubonelela elizayo okanye ebizwa ngokuba yi-ngokulula iholide ngetyala. I-Bank linganikezela ukwandiswa kwi intlawulo elandelayo xa umboleki iya yebhanki kwangaphambili. Kwimeko leeholide, ibhanki iya konakalisa isiqulatho imbali yekhredithi, yaye oko kuya kuhlala uhlambulukile.

Kodwa ke, ngelishwa, kubaboleki abaninzi abawazi zeenketho, ngokuxhomekeka yibhanki. Kwaye ke umboleki na lusazisa ibhanki malunga neenzima yethutyana, wafumana ngenxa yembali credit eyonakeleyo.

Ngokutsho uMthetho Credit Iimbali, isihloko imbali lwamatyala isibheno imbali yekhredithi eyonakeleyo. Ukuze wenze oku, kufuneka ubhale ileta eligcina inkcazelo ngeentengo zemboleko, ebonisa ukuba iinkcukacha amabali akunjalo, kwaye ziqhotyoshelwe apha kule isicelo ukuxhasa oko.

Emva kokuhlolwa, iziko ingxelo incwadi sicelo iziphumo zokuhlolwa wenze iinguqu ezifanelekileyo kwimbali ngetyala zonakala ngaphambili.

Noko ke, ukuba, iirekhodi equlethwe imbali yekhredithi, zibubuxoki, nokuba sicelo ayikwazanga ukunika substantiation, i-credit bureau nga kuphinda ukuphendula iingxelo ze yequmrhu.

Kulo mzekelo, ulungise imbali elibi kwindlela ohlawula ngayo ukulungisa isimo sakhe iimfanelo zemali kuphela. Isifundo kwembali ikhredithi yonakele Unga ukuthatha iimeko akuthandeki ngetyala kwabathengi, lihlawule ngaphandle ubunjubaqa ngokwenjenjalo udale irekhodi entsha kwimbali yayo, ukwanda ngaloo credit rating.