Mboleko yorhwebo. iimpawu zoyilo

Commodity mboleko - i mboleko umthengi ekujoliswe ngqo ukuhlawula ezahlukeneyo iimpahla kunye neenkonzo. Endaweni ethandwa - yobhaliso ngenxa credit mobile phones, izixhobo zombane ekhaya, iikhompyutha kunye nempahla. Intlawulo yenkonzo kwakhona zibandakanyiwe kolu didi. Umzekelo, ukufakelwa kweefestile zeplastiki, iintlobo ezahlukeneyo zokusilungisa, iinkonzo abaququzeleli bokhenketho. Phantse zonke inkampani enkulu ngaphezulu okanye ngaphantsi inxaxheba kurhwebo, ukhetha ukugqiba kunye namaziko zebhanki, intsebenziswano yingenelo macala kunye nokubonelela credit yorhwebo.

Amaninzi, nabameli iibhanka kwindawo umthengisi kunye bazibandakanya izicelo zobhaliso, kodwa ngamanye amaxesha ngokwabo sigcine abasebenzi babe negunya ukwenza le nkqubo. Kunye kunye neemveliso zebhanki, kubaboleki zenziwa ezahlukeneyo iinkonzo ezinxulumene: eyoqulunqo iintlobo ezahlukeneyo ze-inshorensi, iicredit cards kunye nezinye iinkonzo.

kwenzala kwimali-mboleko

Olu hlobo mboleko inenani kwenzala. Kuba ezinye iintlobo impahla ipesenti besukelana 90% ngonyaka. Ingakumbi, kumayelana i Musical. rates eqolo kusengqiqweni ngenxa kumngcipheko ophezulu non-lokuhlawula ityala. Ngokufuthi, le hlobo mboleko kukwenza ekuthiwa-bamazwe for zokuthengiswa inzuzo. Kamva, aba bantu musa ukwenza iintlawulo zenyanga. Ekubeni phones ezihambahambayo yorhwebo kakhulu ezithengisekayo, nto leyo ibe lula ngokufanelekileyo ukuba athengise, yona kanye le nodidi ukucwangcisa izinga eliphezulu umdla.

Kudla iivenkile kunye neebhanki ukuphuhlisa izindululo ezithile, kangangokuba urhwebo ikhredithi sivunyiwe ngaphandle nokuhlawula inzala. Olu hlobo izavenge mboleko ukuze kuchazwe. Kulo mzekelo, ibhanki ubeka isantya ubuncinane, kwaye ivenkile wenza idini iimpahla isixa egqithisileyo iyonke. Ngenxa yoko, umsebenzisi isiphelo ufumana into efunekayo okanye inkonzo ngezavenge.

Njani na design?

Ngokuba lo hlobo-mboleko umboleki, ukufumanisa iimpahla, kunye ummeli ebhankini okanye umqeshwa ogunyazisiweyo ivenkile uzalisa isicelo semali-mboleko. Ukuze wenze oku, qiniseka ukuba kufuneka ube nencwadana yokundwendwela. Ezinye amaxwebhu kuxhomekeke kwiimfuno webhanki ethile. Ngokuqhelekileyo oku kufuna ukuba ukuveza uxwebhu yesibini (ezifana yokundwendwela, umthetho, umgaqo-nkqubo MHI, njl), kodwa ezinye iibhanki bazimisele ukubonelela ngetyala yorhwebo kuphela nencwadana leyo yokundwendwela.

Ukugcwalisa ifomu na iimpendulo kwimibuzo ethile malunga nobomi kunye nemeko yezemali onetyala abekwa. Eyona nto ibalulekileyo - ulwazi malunga nomsebenzi kunye umvuzo. Malunga emva ukuzaliswa ithunyelwe ngenxa kwakhona, nto leyo ethatha ngaphantsi kweyure. Ukuba sivunyiwe, kukho inkqubo lokusayina amaxwebhu. Izizathu ebhankini zokwala akazange wamchazela.

Indlela ukuhlawulela ngetyala nendlela ukuqaphela ityala kwi-mboleko?

Intlawulo yenziwa ngenyanga nghena-akhawunti yakho le mali obekwe. Imali kunye nomhla wentlawulo ziyafumaneka kwi kwishedyuli sentlawulo, nto leyo iqukwe kwiphakheji kwamaxwebhu semali-mboleko. La maxwebhu njalo abonisa kumhla Ukutsalwa akhawunti, ukwenza iintlawulo kufuneka ubuncinane kwiintsuku ezintathu phambi kwalo mhla, kuthathelwa ingqalelo ixesha Thabitha. Usuku ukuba iintlawulo imini kufika kuphela xa uhlawule kwi-ofisi ye-bank yokubolekisa. I-transfer olusikelwe inkulu kule dilesi, ukuya kwiintsuku ezili-10.

Ukuba ngemini emisiweyo intlawulo ayifumanekanga, ibhanki lityumbe isixa esiqingqiweyo se-ocoliweyo, isibakala le ukuyilwa yetyala, kwaye mihla le isixa setyala nenzala efunyenweyo. Esalele obolekayo mboleko ukuba ukubetha uluhlu abamnyama, leyo kakubi kuchaphazela imbali yawo yamatyala kwaye yenza kube nzima kwixesha elizayo ukufumana naluphi na uhlobo mboleko.