Yintoni na imali-mboleko? Uhlalutyo olunzulu

Eli nqaku lichaza into mboleko, kutheni na ukuba athabathe, kwaye uyayiqonda isihloko ethandwayo kule mihla imibutho microcredit.

Amaxesha amandulo

Xa siqwalasela sisihloko ezifana mboleko kunye ukuboleka imali ngenxa yenzala, ubudlelwane liability ngoko abanjalo bezikhona ukusuka kudaladala. Ngokuthe ngcembe, kunye nophuhliso loluntu kuso, nentaphane kwimiba yokuziphatha kunye nezentlalo ukuba lokuba uluntu esiphilayo. Hi xikombiso, ubuzwe, ukunika izalamane uncedo, ezinye izibophelelo yokuziphatha njalo njalo.

Ngophuhliso kobudlelwane yorhwebo-mali kwakhona kuvela abantu kakuhle-off ngubani ukunika omnye umntu aseti eziphathekayo kunye nemeko lokubuya ezinyanzelekileyo umfanekiso enkulu, ngokuqhelekileyo ixesha-oxhomekeke, nto leyo kuthathwa kwi ityala. Aba bantu babizwa usurers, yaye ke, ukuba andikwenzanga oko ngaphandle iinzuzo - ngumbandela umdla, okanye impahla, ibheyile yonke owazeka mboleko. ababolekisa ngokufuthi wabona into enokumenza aphelelwe lithemba, ngabom elawulwa disadvantageous ukulungiselela iimeko umboleki, ngoko kuluntu kubo basoloko baphathwa yi nezingalunganga enkulu.

iibhanki

Kuninzi kamva iibhanki yokuqala ziye zagqiba isivumelwano semali-mboleko kwaye yahlukile egciniswe iimeko kucace ukuba ilawulwa urhulumente, kwakunye ithuba lokukhula kancinane yesibambiso okanye eminye imisebenzi zebhanki.

Ekuhambeni kwexesha lethu phantse onke amazwe kuphuhliswa iibhanki zinika iinkonzo ngeenkonzo zemboleko, kwaye kukade icangcisiwe wesiNtu nangona amazinga aphezulu inzala, abantu basebenzisa ngenxa yokuba kube lula zokufumana ngephanyazo iimali. Kananjalo kutshanje kuba imibutho ethandwayo ukunika mboleko ngephanyazo. Ngoko ke yintoni na imali-mboleko? Njani yahlukile-mboleko kwaye luyafumaneka ngayo, ngaphandle kokushiya ikhaya lakho, ezifana ikhadi lebhanki? Sazi ngale nto, baya kuqonda.

definition

Ukuze uqalise isigama ibattery. A mboleko - ke uhlobo oluthile kobudlelwane ubutyala, isivumelwano phantsi apho unikezelo iqela omnye komnye ubunini okanye olawula kwezinye izinto eziphathekayo okwethutyana - imali, impahla, xa imeko lokubuya enyanzelekileyo kwisithuba sexesha elithile. Loo sivumelwano abe simahla yaye kuhlawulwa, kwaye ngokuqhelekileyo zeenkonzo ezo kuhlawuliswa inzala. Umzekelo, xa umntu ethatha-mboleko kwi-mali ka-1000 engange, 1,500 engange kufuneka abuye. Ngoko ke siyazi ukuba mboleko.

Ingongoma ebangwayo

Kodwa ukuba kukho mboleko, kutheni ukuboleka imali? Eyona nto kukuba ukufumana imali-mboleko ebhankini side kakhulu kwaye ifuna imibuzo emininzi malunga nengeniso umqeshwa ebhankini, ukukhupha ngetyala, wayeqinisekile lokubuya kwakhe. Ukongeza, phantsi komthetho lwangoku umyinge wenzala kunye mboleko ngokoMthetho ayikwazi ngaphezulu izithethe ezisekiweyo ngokukhethekileyo.

Kaloku, ukuba idilesi mboleko xa ndandiswele imali ngokungxamisekileyo. Ngokuqhelekileyo, le mibutho ubanike, ukuba ngoko nangoko, ngoko emva kweeyure ezimbalwa okanye iintsuku. Yaye uninzi musa ifuna iziqinisekiso yengeniso kunye namanye amaxwebhu. Kodwa ali kunye nesantya kokuba uhlawule inzala aphezulu kunye nemihla tight. Apha kwakhona kufuneka uyiqonde into mboleko.

Hi ndlela leyi, kunye namaziko micro-credit efanayo ezinxulumene amanyundululu ezininzi ezinkulu, ngenxa yokuba iimeko phantsi kwazo niboleke, zahluke kakhulu ukusuka elunxwemeni kuba kubi kakhulu kwicala lomxhasi. Kodwa kutheni abantu basebenzise iinkonzo zabo?

yonke le nto ipesenti ephezulu izicelo imvume. Iibhanki ezinkulu ziye zokulenza uvimba abanamatyala kunye nabantu nje abo okanye kanye ngokusesikweni-mboleko, yaye ngokuxhomekeke kwimbali zobalo isigqibo - ukuba asebenzisane umthengi ngomhla okanye hayi. Ngamafutshane, umntu abangasebenziyo mboleko angekahlawulwa okanye namanye amatyala ziya phantse ngokuqinisekileyo ayinakuphikiswa. Inkampani yokukhutshwa microcredits, ukuba amkele isicelo kwaye atyikitye isivumelwano semali-mboleko. Ngokuqhelekileyo, zidideke, ukuba azisebenzi, kunye nokwanda kwe-arhente yokuqokelelwa kwamatyala ukuthengisa nje ityala.

ikhadi Bank

Nophuhliso lwemibutho Internet kunye nobuchwepheshe yedijithali ziye kwabonakala kutshanje ezibonelela mboleko gama ikhadi ngetyala. Ukunenzela lula, yonke imisebenzi yenziwa nge-Web, ngokukhawuleza okukhulu ngokugcwalisa amaphetshana ngekhompyutha kwi-website ye-mbutho. Wachaza ngokweenkcukacha nemiqathango yokufumana izinga lenzala, ixesha lokuhlawula, i-accrual kwezohlwayo sentlawulo emva kwexesha njalo.

Ahluke Ithayimthebhile ngokutsha kunye amaxwebhu afunwayo. Ngokuqhelekileyo, ukuze bafumane izimali kuyimfuneko ukubonisa idatha yazo yokundwendwela, umxokozelo scan amaxwebhu ezithile kunye neenkcukacha zoqhagamshelwano. Ukuba isicelo samkelwe ngumxhasi inxibelelane umqhubi iinkcukacha ezithe vetshe, kwaye umntu ufumana mboleko sengozini. Kodwa xa uyilo kufuneka silumke kakhulu kwaye Ufundo yonke imimiselo nemiqathango ukuze siphephe iingxaki kwixesha elizayo.