Inzala yenzalo ephumelelayo

Kwiminyaka embalwa edluleyo, imeko yezemali kunye nezoqoqosho ixhomekeke ngqo kwiimeko zebhanki. Kungenxa yesi sizathu ukuba inkqubo yebhanki yaseRussia kufuneka ihlale iqiniswa kwaye iphuhliswe kakuhle. Oku akunakukhunjulwa, kuba inani elikhulu leebhanki ngokuqhubekayo lidala ukhuphiswano lomnye nomnye kwimfazwe yabathengi bexesha elizayo. Okwangoku, iibhanki zibonelela ngeenkonzo ezininzi zemali kubantu kunye namashishini.

Enye yeendlela eziphambili zokufumana ingeniso iboleka rhoqo kwiinkampani zomthetho kunye nabantu ngabanye. Ngokuchanekileyo kwesi sizathu sokuba uhlala ngexesha eliphambili lomsebenzi webhanki. Le nkonzo inikezelwa ngeendlela ezahlukeneyo kunye nezikhombisi-ndlela: ukubolekisa ukuthengwa kwekhaya, ukuboleka kweshishini, ukubolekisa abathengi, ukubolekwa kwemoto, kunye nokunye okuninzi. Igama elithi "inzala echaphazelekayo" inxulumene kakhulu nomgaqo wokuboleka.

Abaxhasi banomtsalane kwimibutho yemboleko ngokusebenzisa iintlobo zemveliso yemboleko kunye nezabelo, ixabiso lentengo ephantsi, kunye nemali-mboleko engenakunomdla, amaxabiso anenzuzo kunye neeshedyuli ezifanelekileyo. Amashishini athengisa amaninzi kwiinkalo ezininzi kuphela yintlanzi yebhanki ejoliswe ekutsaleni abathengi. Ayikho ibhanki eya kukhangela ukwenza ishishini ekulahlekelweni, kuya kwenzeka nayiphi na imeko nayiphi na imikhiqizo yemboleko efumana inzuzo efunekayo. Kwimeko apho ixabiso lomyinge liphantsi okanye lilonke, ibhanki ithola inzuzo kwii-commissions ezahlukahlukeneyo ezivela kubathengi. Kungenxa yesi sizathu ukuba umthengi ngamnye kufuneka azi ukuba yintoni umlinganiselo wenzalo osebenzayo. Ukuba umntu obolekayo akanazo izakhono ezifunekayo kunye nolwazi ukubala, ngoko-ke ingcali yomboleko kufuneka ixoxisane nabaxumi ngokwemvumelwano yesigqibo esenziwe ngebhanki.

Umyinge wenzalo osebenzayo yindleko epheleleyo yombolekisi, ekuthi, kwinkqubo yokubala, ingqalelo nje inzala, kodwa neendleko zokubhalisa nokugcinwa kwazo. Isasazwa kwithuba lonke le mboleko, kwaye ibonakaliswe njengepesenti yemali ekhishwe. Umthetho waseRussia uthi ukususela ngoJulayi 2007, yonke imibutho yaseRashiya iyafuneka ibonise umbolekayo ukubalwa komyinge onomdla kwimali ebolekwayo. Kubalulekile kubaxhasi bebhanki, ngoko banokuqonda ukuba yiyiphi imali eyongezelelweyo eyayiza kubakhokelela. Ngokuqhelekileyo kwenzeka ukuba umyinge wentsingiselo osebenzayo ungaphezu kwezinga lokuthabatha inzala ngamaxesha angama-2-3. Ingabalwa ngokusebenzisa iindlela ezahlukeneyo. Kubasebenzisi be-intanethi, ii-calculators ezikhethekileyo ziyafumaneka, zifumaneka kwii-portals zebhanki okanye kwiwebhsayithi yebhanki, apho umthengi ufuna ukuqhagamshelana naye. Ukubala kungenziwa kuphela ukuba uyazi zonke iintlawulo ezihlawulwe ngexesha lokusebenzisa imali mboleko.

Ngaphambi kokukhishwa kwemboleko, umntu obolekayo kufuneka afunde ngeenkcukacha ezininzi njengoko kunokwenzeka zonke izinto kunye nemigqaliselo ebaluleke kakhulu yesivumelwano, kwaye ngokukodwa icandelo elichaza indlela inzala echaphazelekayo kufuneka ibalwe ngayo. Kuya kuba yinto echanekileyo ukufundisisa imimiselo yebhanki ukuba ukhethe umboleko ofanelekileyo kunye nohlawulekayo. Nangona kunjalo, akusibo bonke ababolekayo bavavanya le ncwadana yodwa, kuba kukho into ekhethekileyo ukudibanisa neebhanki ezinokuthenjwa ngendlela ethile.

Ingeniso echaphazelekayo yomyinge kwidiphozithi ibalwa phantse kunye nakwiimeko zemboleko, kuphela umthengi lo mqondiso uthetha ukuba uza kufumana imali kangakanani ngenxa yokusebenzisa omnye okanye omnye umnikelo.

Kuyavela ukuba umxhasi kufuneka ahlole indlela eya kusebenza ngayo kwipesenti eya kubangela isiphumo. Ukuba ngaba ngumboleko, ke umntu unokukhetha i-bhanki elungileyo, engathembeki nje kuphela kwigama lakhe, kodwa nangenxa yentlawulo echaphazelekayo, eya kumnika inzuzo enkulu.