Izigwebo kunye nemali

Xa umntu ethatha isigqibo sokuthenga ipropati ngokubandakanyeka kwemali yokubolekwa kwemali, kukho imeko ephakamileyo efuna iingcaciso ezongezelelweyo. Nangona kunjalo ukuba izigwebo zichazwe kwisivumelwano, ngamanye amaxesha kubalulekile ukuba uchaze indlela abahluke ngayo. Nangona umboleki onokugcina kwaye onoxanduva unokufumana imeko ezingalindelekanga.

Izigwebo zinqanaba lembuyekezo yokuhlawulwa kwemali echazwe kwaye ichanekileyo kwisivumelwano, ehlawulwa kumntu ngenxa yokuphulwa kweemvumelwano, ngokwemvumelwano. Ngokubhekiselele ekubolekiseni, bahlala beqeshwe ukuzaliseka kokugqibela kwezibophelelo, ukuphulwa kwishedyuli yokuhlawula. Kwinkqubo yokufuna ukuhlawula isohlwayo, umbolekisi unelungelo lokungqina ukuba kukho ilahleko ezenziwayo. Kwakhona, akanakufuna ukuhlawulwa kweentlawulo kwiimeko apho umboleki angaxanduva lokuzibophezela.

Isohlwayo - uhlobo lwesigwebo, esetyenziswe kulawo matyala kunye nomyalelo osungulwe kwisivumelwano okanye kumthetho. Inqunywe ngumlinganiselo osisiseko okanye iipesenti yemali yesibambiso sokubambisana esaphula umthetho. Izigwebo zibonelela ukuqhutyelwa kwekhontrakthi yokubolekwa kwemali kwaye kuyimilinganiselo efanelekileyo yemfanelo, ehlinzekwa ukuphula umthetho. Isohlwayo sihlawuliswa ngenxa yecala eliqhubekayo kwaye lidlalwa ngokuphindaphindiweyo njengepesenti yenani elipheleleyo lebopheleleko. Kwezinye iimeko, kunokwenzeka ukuyihlawula kwisixa esiqinileyo. Ngako oko, isohlwayo sisetyenziswe kwiifom ezimbini eziphambili: zilungile kwaye zilungile. Iimeko ezinxulumene nazo zichazwe kwisivumelwano ngasinye semboleko okanye yemboleko.

Kukho imeko xa umbolekayo, ngenxa yeemeko, ulahlekelwa yintlawulo yenyanga kwaye ibhanki igqiba ukuba ezi zizathu zihlonipha. Ngokomzekelo, ukuba utshintshe okanye ulahlekelwe ngumsebenzi wakho, kufuneka unikezele ngokuzenzekelayo ibhanki ngokwakho. Kukulungele ukwenza oku ngaphambi kokuba umbutho uzibambelele kumbolekayo, kuba isimo sengqondo esiya kufundiswa siya kusekwa, kuya kuba nzima ukuyitshintsha ukuba ibe ngcono kwixesha elizayo. Ngoko, kule meko, inkokhelo echasiweyo kunye nokukhishwa kwesikripthi kunokwenzeka. Nangona kunjalo, kunzima kakhulu ukuphumeza lo mva xa umbolekayo engenakho imali.

Kwimeko apho ibhanki igqiba ukuba isizathu sokungahlawulwanga ngexesha elifunekayo siyimbeko, ngokwemvumelwano yesiboleko, izigwebo zihlawulwa kuqala. Ngako oko, xa ukwenza intlawulo elandelayo, ukulahlekelwa kuya kugqitywa kuqala, kwaye ngoko ngqo umboleko. Ngoko ke, kuyafaneleka ukuba uqiniseke ukuba imali epheleleyo yenyanga ipheleleyo, ngaphandle koko ihlawuliso kwaye iya kuhlawulwa ngenyanga ezayo.

Kwimeko apho ukuphulwa kwexesha lokuhlawulwa kwemali ekhokhwayo, i-bhanki ingafuna ukuhlawulwa kwangaphambili kwemboleko. Ngokuqhelekileyo oku kwenzeka ukuba umntu obolekayo akenzi iintlawulo ngexesha elifanelekileyo kwaye akahlawuli iintlawulo phantsi kwekhontrakthi iminyaka emithathu okanye ukulibaziseka kungaphezu kweentsuku ezingama-90.