Imboleko yempahla: izibatha zababolekekisi abanetyala

Kwiminyaka elishumi edlulileyo, abantu babengazi ukuba yeyiphi imali. Kodwa iibhanki ezinkulu zokuqala zaqala ukunikela ngemali mboleko yempahla. Ukuthenga nayiphi na imveliso oyithandayo, ngaphandle kokushiya irejista yemali, yaba lula. Imboleko yemveliso ngoku ikhutshwe ngqo kwivenkile.

Inkathazo ka-2008 iye yacima kancane i-credit boom, kwaye iibhanki zikhethe ngakumbi ukukhupha iitaliti. Nangona i-overpayments i-cosmic overpayments, ukuthandwa kweebhanki akupheli. Kule nqaku, siza kuqwalasela ukuba zeziphi iimveliso zentengo.

Imali yeempahla

Ngokuqhelekileyo, abaninzi banokulinganisa ikhredithi ngempahla ephethe "imali ebolekileyo," ethandwa kakhulu. Nangona kunjalo, ifomu leempahla zemboleko lihluke kakhulu kwinkqubo elula kwaye inezinto ezininzi.

• Into ebalulekileyo yale mboleko yokubhalisa ngaphandle kokutyelela eofisini. Iimpahla zenziwa kwintengiso yomthengisi. Isicelo samukelwa ngokugcwalisa ifom nokuthumela idatha nge-intanethi kwi- ingcali yekhredithi.
• Isicelo sokuqala esitolo sigcwaliswe ngumqeshwa webhanki, onolwazi olupheleleyo kwaye uphendula yonke imibuzo.
• Iimboleko zempahla zigcinwe ngumbambiso wezinto ezithengiweyo. Ngaloo ndlela, ngenxa yokungahlawulwanga kwemboleko, ibhanki inelungelo lokuthabatha impahla. Enyanisweni, ngokusebenza, loo matyala awanqabile, njengoko loo mveliso ngokukhawuleza ilahlekelwa ixabiso layo, kwaye kuba nzima ukuyithengisa.
• Idatha yomboleki ihlolwe kwifom elula. Ukunikezelwa kweekhredithi zemveliso kwenziwa phantsi kwamaxwebhu amabini. Uncedo kunye nencwadi yomsebenzi ayimfuneko.

Izibonelelo eziphambili zemboleko

Okokuqala kwaye okubaluleke kakhulu, inzuzo ebalulekileyo kukuba i-imvume iyenziwa kwivenkile. Okwesibini, yonke inkqubo ithatha imizuzu eyi-15-20. Akufuneki ukuba uqokelele ipakethe epheleleyo yamaxwebhu okufakela isicelo kunye nokwenza isivumelwano.

Iingxaki eziphambili zemboleko

Umngcipheko omkhulu ngumvuzo omkhulu, owenza amaxesha athile umlinganiselo wezinto ezithengiweyo. I-backback yesibili yintengiso yomshuwalense, ngaphandle kokuba ngubani umbolekisi angayi kuvuma le ngxelo. Kwakhona kuyimfuneko ukuqaphela ubunzima bokutshintshisiswa kweempahla ngenxa yomtshato okanye ukuhlukana.

Ungathabatha njani umkhiqizo owuthandayo ngetyala?

Mhlawumbi, wonke umntu ujongene nale meko - uye kwisitoreji ukuze ujwayelane neenveli kwaye ubone umkhiqizo owufunayo, othandwa yizo zonke iimpawu, kunye nokuhlawulwa kweeveki eziliqela. Emva koko umphathi onobungane uyeza kwaye unikezela ukubeka izinto ezifunwayo kwikhredithi. Abaxhamli abathengi abayiqondi imiqathango yesivumelwano ngexesha lothengiso. I-Rainbow mood iyahamba xa kuyimfuneko ukubuyisela ityala ngenzala.

Ukuba ufuna kakhulu imveliso ethile kwaye wanquma ukuyithenga ngetyala, siya kukuxelela ngokulandelelana kokubhaliswa.

1. Ukukhetha ukhetho. Kubalulekile ukufumana isitolo apho umkhiqizo uhanjiswa kwixabiso eliphantsi okanye linikezelwa ukukhuthazwa.
2. Ukhetho lwebhanki. Ngaphambi kokuba wenze imali mboleko, kufuneka ufunde ngokwimiqathango yazo zonke iibhanki kwaye ubale inketho eyona nto inenzuzo kunye nentlawulo encinci. Ukuba awukwazi ukujongana nomdla, kufuneka ufune uncedo kumcebisi-mboleko.
3. Ukukhethwa kweemeko zemboleko. Kule meko, kuyimfuneko ukucacisa ngokucacileyo ukuba ungabandakanya njani inyanga nganye ngokuhlawulwa kwetyala letyala. Ukuze kusetyenziswe intlawulo efanelekileyo, unokukhetha umkhiqizo ongezantsi okanye ukwandisa ixesha lokuthenga ngetyala.
4. Ukuphunyezwa kwesivumelwano. Ukufunda ngokucophelela isivumelwano semboleko kwaye emva kokuba omaziyo beka isayineli.

Njengamanje, iimali-mboleko zempahla zithandwa kakhulu, nangona ihlawulwa ngokugqithiswa kwama-30-80 ekhulwini ngonyaka.