Imbali elibi kwicala lamatyala - oku isigwebo?

Ngoko ke, wathabatha mboleko. Ukuba saliwe kwi ibhanki nye, wena liya endaweni enye, kodwa kubekho akuphumelelanga. Yintoni ingxaki? Kubonakala, yaye ubungqina bengeniso onayo, kunye nemali efunekayo ayikho ngaphaya kwamafu alahlwayo. neengxaki ezifanayo abantu nazo abaninzi badla, ngubani zinembali elibi kwicala lamatyala. Kuthetha ukuthini? Yinto elula kakhulu: ngaxa lithile ebomini bakho, uye wala ukuhlawula imali mboleko okanye iminikelo rhoqo avalelwe.

Kuba iibhanki, imbali yamatyala umthengi yeyona enye yeempawu ezibalulekileyo. Kwaye ukuba bazibiza njengokuba ubolekayo engenangqondo ukulungisa elibi kuya kuba nzima. Ngenxa ibhanki akanamdla ngentsebenziswano nabo abantu abathanda ukuba ukwaphulwa lesivumelwano. Enyanisweni, iimeko zakho ubomi kubo ixabiso elincinane okanye hayi. Kakhulu ngakumbi Okubaluleke kakhulu, ukuba uthembekile ubolekayo undibonisa wena.

Njani imbali embi ngetyala? Kukho izifo ezininzi ezinokuba negalelo kule:

• Full non-nokubuyiswa mboleko (oku lolungiso kakhulu kakhulu, kwaye musa ukubala kwi sigqibo lwamatyala kwixesha elizayo).
• Iintlawulo ukulibaziseka Multiple kangangexesha ukusuka kwiintsuku ezi-5 ukuya ku-35 okanye ngaphezulu (avareji yokuhlukunyezwa yayo womxhuzulane).
• A ukusilela single ukuhlawula ngaphantsi kweentsuku ezi-5.

Kwinqaku lesibini, kuba kukwaphula elolo hlobo akuthethi ukubala. Kuyinto imeko eqhelekileyo apho umboleki yenza imali nxamnye osikiweyo sentlawulo, yaye nje abanalo ixesha ngexesha elifanelekileyo ukufikelela elunxwemeni. Nikela ingqalelo kwizinto ezincinane phantse akukho bani. Ukuba nokubambezeleka kwiintsuku ezingaphantsi kwe-5 ka imbali yekhredithi rhoqo, bagqibelele na ukubizwa. Noko ke, inkoliso iibhanki azisayi kubona izizathu ezinzulu wokwala.

Ukuba iintlawulo usilele ngayo kwisithuba seentsuku ezintlanu ukuya 35 - le yimbali elibi kwicala lamatyala. Noko ke, ukuba ityala enye indlela okanye omnye sele ihlawulwe, ibhanki ngoko ukuvumela isicelo sakho sobhaliso-mboleko entsha.

Abathengi efanayo, nto leyo kwixesha elidlulileyo ukuba uhlawule iimali-mboleko ngokubanzi, akakho ingqalelo ziibhanki - ke nangoko ukuze yanto.

Noko ke, imbali elibi kwindlela ohlawula ngayo umntu osoloko ngomoya omhle ukuhlawula amatyala ebhankini. Imiqobo ku mali ekufumaneni ingaba kwisimangalo, baza kondliwa , okanye makangakhohlisi efana ityala ummelwane.

Indlela ukulungisa le meko?

Abaninzi banomdla, apho ungakwazi ukuthatha mboleko kunye nembali elibi kwicala lamatyala. Amathuba zifunyanwa, Kakade ke, kunokwenzeka. Noko ke, kuya kuba nzima uya kukwazi ukusebenzisana arhente yaseburhulumenteni. Kwaye kuya kufuneka ukuba uhlawule. Ngoko ke kungcono ukuba ucinge ukulungisa indlela yembali yakho yamatyala (okanye mandithi, ukuphucula kuyo).

• Ndwendwela isebe ebhankini kunye ubungqina obubonisa ukuba ngeli xesha wena utshintshe isimo sakho ukuba ngetyala, waba uxanduva. Umzekelo, unako ukubonisa ingxelo engqina le mithetho isayilwayo mihla ngezinto (eziluncedo, njalo njalo. N.) Kule minyaka imbalwa idlulileyo. I-plus enkulu ubukho amaxwebhu eqinisekisa yokuhlawula amatyala sengeniso ophezulu rhoqo.
• Chaza izizathu engekho phantsi kwetyala kwi-mboleko (ukuba izizathu azikho abaxhomekeke kuwe yaye baye ezinxulumene nesi sifo, ukuncitshiswa umsebenzi, ukungahlawulwa umvuzo, njalo-njalo. N.).
• Obunye ubungqina bokunyaniseka yakho luvuleleka ebhankini akhawunti imali (1 unyaka).

Imali mboleko kunye nembali embi yeentengo zemboleko angathabatha inxaxheba kwiinkonzo ezizodwa, Noko ke, njengokuba umthetho, ubumnandi enjalo ukuhlawula iintlawulo emba eqolo.