Ngaba imbali credit ichaphazela mboleko kunye nokuba kunyanzelekile ukuba babe zaeschikom emkhosini?

Nengqiqo "imbali credit" namhlanje kufuneka waqhelana kwabo abemi abathe ngaphambili zange kube kubaboleki amaziko zemali. Kodwa asingabo bonke uyayiqonda undoqo lo mbono, yaye ngenxa yoko, eli lizwe ngoku ke, kukho iimpawu sengqondo nankathalo kwizibophelelo emali. Ngaba imbali credit ukufumana imali-mboleko? Thina ukujongana nalo mba kanye kanye yonke.

Yintoni imbali yekhredithi kunye credit bureau

Okokuqala kufuneka baqonde kakuhle umba "nembali mboleki." Iingcali zithi malunga nesiqingatha sabantu baliva eli gama, hayi kanye, kodwa musa ukuqonda intsingiselo yawo kunye neenjongo zobukho.

imbali Credit - i data ngendlela xa umxhasi ibhanki, ngubani owakhe abhenele ngetyala. Idatha anikwe Igama umboleki, abafowunelwa bakhe, amanani uxwebhu kunye nezinye iinkcukacha ngawe kwakunye neenkcukacha malunga ukufaneleka iintlawulo kwi-mboleko.

eyenziwe Data njengekhadi sobuqu, wasiwa yebhanki kwiziko ezizodwa - i-National Bureau of Credit Iimbali. umsebenzi NBCH - ukugcina le ngcaciso uze wenze utshintsho ngokukhawuleza xa ulwazi olutsha oluvela endodeni. Yonke idatha eyafunyanwa ngexesha elinye okanye enye, ukuba ababeyiqwebile ayafumaneka xa isicelo ngaseludinini okanye mboleki.

Types of Credit Iimbali

Phambi ezibuza ukuba imbali yekhredithi luchaphazela mboleko, exabisa ekuphandeni ngayo iifayile ze kumabali umboleki. Ngokwahlukileyo inkolelo ethandwayo, imbali yeentengo zemboleko engabhaliswanga zohlulwa ngokwendidi-2 - ezilungileyo nezingalunganga, yaye baninzi kangangesine.

1. Imbali Excellent ngetyala - i data malunga mboleki, nto leyo yenza ulibaziseko enye mboleko, zombini yangoku kunye kucinywa. Le iklayenti - lulutho kuba iziko lemali. Iibhanki bakulungele ukunika mboleko efanayo ngaphandle imibuzo obolekayo kwaye ngexabiso eliphantsi rate, njengoko ithi iqinisekise umngcipheko ubuncinane emiselweyo yokuba sematyaleni.

2. Imbali credit olungileyo - kukwayinto entle ukhetho Kumlungele iziko lemali. Oku kuthetha ukuba abantu bavunyelwe ngexesha elinye-okanye Utsibo athile lezavenge iintsuku enye okanye eziliqela. Ngokomzekelo, kwezinye iintlangano ukuze kwaziwa ukuba umboleki izizo kwemali mboleko engahlawulwanga bona kuyo nayiphi na ibhanki ukuya inyanga.

3. ezonakeleyo imbali yekhredithi. Ulibaziseko, okuhlala iintsuku 5-6 okanye ngaphezulu, kwaye kukho rhoqo - yinto ithuba kanakana nayiphi na ibhanki. Kuba abathile ingakumbi befuna amaziko ezemali ziza kuqwalaselwa imbali angcolile of umboleki, ayephethe Utsibo lezavenge isithuba seentsuku ezingama-1 ukuya kuma-30 kwaye mboleko liyavuzwa ngokupheleleyo kwangexesha.

4. Imbali Bad ngetyala - lo khetho kakhulu ziyatyeshelwa. Ezi ziquka mboleko ezimbi, apho ibhanki ilungele ukuba batshintshelwe amaqela wesithathu, oko kukuthi ku-arhente yokuqokelela. Njengoko umthetho, imali-mboleko iqwalaselwa ithemba xa kubuzwa isithuba kwintlawulo iintsuku ezingama-90. Umbuzo ukufumana imali-mboleko kulo mzekelo angafanele ngayo - yinto engenakwenzeka.

Ngaba unako ukufumana imali-mboleko kunye nembali credit ezimashakeleyo?

Nngokobuchwepheshe uyakwazi ukufumana imali-mboleko kunye obolekayo yokusilela kunyango. NBCH uye amasebe eziliqela, ngoko ke ulwazi akusoloko zihlaziywa ngokukhawuleza nangokupheleleyo. Ngoko ke, kukho iimeko apho umboleki uba wazi nto zonke iziphene obunokubakho mboleki.

Ngaba imbali credit ichaphazela mboleko yokuthenga imoto okanye indlu, ukuba ubolekayo iqatshelwa ubulungisa? Kakade ke, kwiimeko ezinjalo ubala yanelisa ngetshekhi yebhanki okanye ukungakhathali data NBCH ayikho imfuneko. Nezivumelwano zokubambisa yaye i-mboleko auto - imicimbi ezinkulu zemali, kwaye kule meko imaxongo yezoqoqosho, iibhanki akungekwazeki ukuya ubomi bakhe esichengeni.

Ngubani omenza mboleko kubaboleki kunye nembali angcolile?

Ngamanye amaxesha ibhanki esazi iya ukujongana kubaboleki abanganyanisekanga, okanye ncakasana esibonisa mboleko ngaphandle kokuhlola imbali yekhredithi. Oku kwenzeka xa iziko zemali unomdla ekukhuthazeni iinkonzo ezintsha kwaye inika imali encinane na nabo bonke abathengi. Amazinga enzala kunye neminye imiqathango kwiimeko ezinjalo azithathwa kakhulu inzuzo.

Oku kwenzeka xa uvula ibhanki entsha. Kwiinzame ukudala isiseko umthengi sinyanisekile umbolekisi imanya lonke umntu owenza isicelo uncedo, ngaphandle ujonge kwi izono kunokwenzeka wangaphambili.

Abanye abemi ekufuneni ngemali, leyo liya kusebenzisana kunye umthengi embi, ndiphethulela ingqalelo yabo mboleko. Imbali Credit ngokuba MFIs ayibalulekanga, kodwa ukubuyisela imingcipheko yabo engagqibekanga inzala extortionate kunye amthume. Ukongeza, ezi ngemali iyaqwalaselwa semi-elisemthethweni, yaye ngamanye amaxesha ke maqhinga.

Ukunqongophala imbali yekhredithi - ngaba okulungileyo?

Kubonakala ukuba nempembelelo isigqibo ibhanki akuvumelekanga kuphela ubhunyule okanye imbali HIV ngetyala, kodwa ukungabikho kwalo. Ukuba mboleki elizayo awukaze yenzelwe credits yaye musa ukwenza iintlawulo, nkqu ubukho yokuqinisekiswa yengeniso akakwazi ukwenza nokuqinisekisa uxanduva lwayo kunye nokukhuthala. Kwakhona yingozi ukuba client ebhankini.

Ngoko usoloko engekho kwimbali BKI yekhredithi inokuba yayibaluleke kakhulu kusilela. Yintoni ukwenza ntoni? Iingcali ukucebisa ukuqala ekwakheni imbali. Ukuze wenze oku, beka mboleko encinane ngaphandle izatifikethi. aqinisekisiwe iimfuno bank Socket umthengi ukuba ukufumana uyalahlwa.

Ekuphetheni

Ngaba imbali credit ukufumana imali-mboleko? Of course! Kodwa, inyaniso kukuba kuchaphazela bayahlelwa mboleki yembali kwalo entle embi. Abantu abanesazela banelungelo ngokunyaniseka yebhanki iimeko zivuma. Umboleki, ngubani bawuphanga ibali lakhe abakwazi nethemba zokubonisa iziko ezithembekileyo zemali kwaye ngenene naliphi na mboleki esemthethweni.