Yintoni isiqinisekiso sengeniso ngohlobo ebhankini? Nceda zithethwa ebhankini, ngokuzalisa imizekelo

Kakade ke, ibhanki nganye unomdla kuyo kukuba ukukhupha imali ngetyala kuphela nesinyibilikisi kubaboleki. Oko kukuthi, abantu banomvuzo ngexesha kunye nokusekwa kwe-mali eliyintloko kunye nenzala. Kakade ke, phezu "ilizwi imbeko" akukho mntu uya kukunika letyala ayikho, ingakumbi xa sithetha ngayo imali ngaphezulu okanye ngaphantsi enkulu.

Kuba abo kwinqanaba imali yokwenene iphezulu kakhulu yomvuzo esemthethweni, umxube engcono kungaba ukunceda ekubumbeni yengeniso ibhanki yakhe. Yintoni le "isilo" na? Makhe zama ukufumana phandle iinkcukacha ngakumbi.

Kutheni sifuna uncedo ekwimo ebhankini?

Apha, abaninzi basenokuzibuza: "Kutheni na ukuba kufuneka uncedo ekwimo ebhankini?"

Kwiminyaka yakutshanje, abaqeshi bayanda ukhetha "ngumvuzo kwiimvulophu" ukunciphisa kokuba kutsalwe irhafu kunye nokunye. D. Yiloo nto kubaboleki abaninzi abanengxaki ubungqina kwinqanaba yengeniso. Lindela ukufumana izibalo ngaphezulu okanye ngaphantsi eziqinileyo ngoko akukho mfuneko.

Enyanisweni, ukusombulula le ngxaki kokusungulwa enye sikimu ukufumana ulwazi kwingeniso ayikho uhlobo njengesiqhelo, kodwa ngokohlobo ibhanki.

Njengoko kubonisiwe kolu xwebhu?

uncedo nokuzaliswa ngohlobo ebhankini akakhawulezi kakhulu. Kakade ke, amaziko ezahlukeneyo zingafuna ukuba ukhankanye iintlobo ulwazi olongezelelweyo ngawe kunye nomsebenzi wenu, kodwa iingongoma eziphambili zigciniwe. Owokuqala:

• ifani, igama kunye patronymic lwe obolekayo;
• sikhundla belikuso ngumntu;
• akuso endaweni yangoku;
• ithuba lemvumelwano yengqesho;
• isixa umvuzo iinyanga 6-12. (Ngokuxhomekeke kwiimeko ibhanki leyo);
• umvuzo wenyanga kuba mihla ezifunekayo.

I-Bank Akukhathaliseki nokuba irhafu kumqeshi kunye nezinye iimali ezihlawulwa lwabiwo-mali kunye nemali extra-mali ezahlukeneyo.

Yintoni esimele I kunkwantya ngabani na?

Kakade ke, iinkcukacha kwifom ngaseludinini - into Ukugunda kakhulu kuwe umboleki. Kodwa ke kufuneka ukuba luphunyezwe ngumqeshi.

Nangona yokuba ngokusesikweni ayikwazi kungabikho isoyikiso yokuqinisekiswa lomqeshi loxwebhu olunjalo, asinguye wonk 'umntu baya kuvumelana ukuba ukungena kuyo. Abantu abaninzi boyika ukuba iphepha uya kuba irhafu, kwaye inqanaba ngqo kumvuzo womqeshwa iya kwahluka kakhulu koko kuboniswe, iinkampani zimali basenokohlwaywa yi isohlwayo kunye nokugxothwa. Ngoko ke, phambi kokuba enze isiqinisekiso kwingeniso yebhanki kwifomu kubhetele ukuthetha kwabasemagunyeni. Qinisekisa ingeniso umqeshi uyavuma kuphela umsebenzi, nto leyo esiyifumana 100%.

ingaba imiqathango mboleko ezahlukileyo?

Nceda kwimo ebhankini - oku umngcipheko olongezelelweyo ubume bezemali ngokwayo, ngokuba ubuqhophololo kunye ezinjalo ukuthenga ingaqhelekanga.

Oku kuthetha ukuba kunikezelo isixa esifunekayo ibhanki kufuneka ukuba sikhuseleke. Oko kukuthi, phezu amagama kakuhle, kulo mzekelo akakwazi ukubala - inzala ngemali-mboleko iza kuba ngaphezulu, kwaye elide mboleko - ngaphantsi.

Indlela ukukhangela ingxelo engenayo?

Kuyo nayiphi na imeko, kukunceda zinika ebhankini, ziya kutshekishwa. Xa iziko ngalinye ezinjalo nosondeza iyunithi okhethekileyo ukhuseleko kwezoqoqosho, nto leyo ezenza lo. Ngelo xesha khangela imbali yamatyala igama yomboleki kunye nalo lonke ulwazi ezimbi.

It inentsingiselo nokuchaneka kolwazi echazwe kuxwebhu, kwaye nokuchaneka kolu xwebhu.

Kubalulekile ukuqonda ukuba ibhanki banokutsalela umnxeba isebe elongamayo inkampani yakho ukuze ufumanise ukuba wena inkcazelo eyinyaniso kubonisiwe kwisiqinisekiso. Ezinye iindlela zisetyenziswa kule meko inqabile, kodwa ibhanki ungabuza ngobomi bakho, ubume bomtshato, phambi kwigumbi lakhe, imoto njalo njalo. D.

Indlela ukuqinisekisa ingeniso ongekho mthethweni?

Asifanele sicinge ukuba ingcaciso kwifom ngaseludinini - le yenye indlela ukuqinisekisa ingeniso ongekho mthethweni. Ngapha koko, ukuba yenziwe kuphela kwimeko xa ufumana umvuzo esemthethweni, kodwa eneneni umqeshi kukunika ngaphezu kubonisiwe ephepheni. Yaye kanye isatifikethi kufuneka kubeka ishicilela iinkampani, apho abaqeshi wena.

Ukuba akukho malunga "ngumvuzo kwiimvulophu" kunye nezinye iindlela zengeniso sesikweni, kungcono ukuba ukuqinisekisa imithombo yenzuzo. Umzekelo, ukuba ukuqeshisa indlu, lo mntu ububoleke declare this ingeniso olusemthethweni, ukuba umnike isivumelwano kunye isibhengezo kokuba kutsalwe irhafu ehlawulwayo.

Kodwa asisoloko banomnqweno ithuba 'kuqaqamba' ingeniso yabo ongekho mthethweni phambi kokuba irhafu. Indlela ukuba kule meko?

Oku yonke ukunika guarantors. Waba ngummeli wowona ulungileyo kufuneka ibe kumgangatho sezingeni eliphezulu yengeniso 'emhlophe "uze unike ibhanki zonke iziqinisekiso ezifanelekileyo. Ukuba iyaqhubeka ukusebenza, ezinye mboleki akakwazi ukwenza iintlawulo, ukuba ukuhlawula imali-mboleko uza kwenza kanye waba ngummeli wowona ulungileyo.

Ukuba ngaba creative (ngokuzoba, iincwadi zokubhala, njalo njalo. D.), A indlela imali, ungakwazi ukuqinisekisa. Okokuqala, ungenza ngokwakho ukwenza iintlawulo ezifunyenweyo kwi-akhawunti yekhadi lakho. Okwesibini, mhlawumbi, ibhanki iya kufuna ubungqina ngayo lo msebenzi wakho (ishicilelwe kwaye ishicilelwe iincwadi, imizobo). Kufuneka iqondwe into ingeniso "grey" alize kuthathelwa ingqalelo ngokupheleleyo. Ngokuqhelekileyo uthathe ingqalelo% 20-40 kuphela inzuzo. Ukongeza, iibhanki uthathe ingqalelo ingeniso rhoqo kuphela, nto leyo eza ngeendleko yeenyanga ubuncinane iminyaka emithandathu.

Ke ekugqibeleni, eyona ndlela lula - ikhadi Ndomtsalela ebhankini, apho uya khona wena ukuthatha ngetyala. Ukuba awufuni ukudwelisa umvuzo kwikhadi, ungenza ngokwakho ukuba yonke imali nyanga nganye. Kubalulekile ukuba imali beza rhoqo yaye malunga efanayo ngokwe - kulo mzekelo, ibhanki iya kuba qiniseka ukuba, kungakhathaliseki imvelaphi yomvuzo wakho, uzinzile ngokwenene.

Ingxelo isampulu indlela ebhankini

njani ulwazi malunga uhlobo ebhankini? A isampuli yale xwebhu ngokuba "Savings Bank" imi ngolu hlobo lulandelayo:

Yaye nantsi indlela ingcaciso kwifom le "Bank of eMoscow".

Njengoko ubona, akukho nto nzima ekuqukumbeleni olu xwebhu.