Amathiphu ababoleka. Ingabe kufanele ngikhokhele loan uma ibhange zigoqiwe?

Esimeni semakhaya sezomnotho esimanzonzo emhlabeni, sinalo cishe nsuku zonke, sifunda ucabanga lenhlangano yezezimali. ababoleka abaningi, wazi ukuthi ibhange bazikhiphe kungazelelwe beqiniso lashabalala, ngokungazi bakholelwa ukuthi akusadingeki ukuze ibuyisele le mali athathwe. Nokho, injabulo yabo Kuthi ngaphambi kwesikhathi. Ngemva kokufunda lesi sihloko, uzofunda ukuthi yini okumele uyenze uma ibhange ziwile, kufanele ngikhokhele loan futhi abadinga.

Kuyini ucabanga?

Okokuqala, kufanele kuqondwe ukuthi le nqubo akuyona ezingalindelekile. Lesi simo esiyingqayizivele sibangelwa ingekho isikhashana. Wabathanda, kufanele ngikhokhele loan uma ekuqhumeni yasebhange kudingeka abe wusizo ukwazi ukuthi ucabanga kubhekwa uhlobo inkomba sokuba ngongakwazi ukukhokha izikweletu we isikhungo sezezimali kanye nokungasebenzi ngendlela kulele izindlela zayo zokusebenza. Futhi amabhange ngokwabo ayaqala ukuba aqaphele ukuthi balindelwe, esikhathini eside ngaphambi kokuba bazi mayelana amaklayenti akhe. ukuphathwa isikhungo uncamela ukusibekela izinkinga, uzama kulungiswa ubuthakathaka ebhange yemfanelo ayiphathisiwe. Kwezinye izimo, lezi zenzo ukunikeza umphumela othile, okuholela ngcono wezimali inhlangano. Kodwa ngezinye izikhathi kwenzeka futhi ukuze ongoti abaqeqeshiwe imizamo akuvezi imiphumela oyifunayo kanye nobuholi obuphethe ezidingekayo ukuqalisa ucabanga eziyinkimbinkimbi, okuyinto ngokuvamile ubabonisa phakathi nenkathi ngokwanele eside.

Kuyini isimo uthola credit emva ezikweletini?

Ababoleka imali, abakhathalela yini okumele uyenze uma ibhange zigoqiwe (uma udinga ukukhokha loan ezimweni ezinjalo), kufanele kuqondwe ukuthi isikhungo - eyodwa nje ubuhlobo zezimali phakathi amayunithi. Zonke ukunikeza boleko imali awaveli aphume Umoya-mpilo omncane, ngakho ngo Kunoma ikuphi, uyobuyela. Ucabanga awusho umboleki ukuthwala imithwalo yemfanelo. Ngakho-ke, kuzodingeka ukufeza izibopho zabo.

Ubani futhi lapho ubophekile ukuba wazise umboleki ngalesi sigameko?

Zonke ababoleka uyazibuza ukuthi udinga ukukhokha loan uma ibhange uya yimali, manje noma ngokuhamba kwesikhathi, uthole isaziso esibhaliwe inkampani, wahlanganyela ekucwileni ezikweletini "okuncane" izikhungo. Ngakho ikhasimende uyaziswa ukuthi ilungelo lokukhokhelwa iye komunye ayemkweleta. Incwadi engokomthetho kumele aqukethe ulwazi izinguquko oda buyiselo ezikweletini ezikhona.

Kwezinye izimo, umboleki zingase zinikeze ukuvuselela inkontileka. Ngaphambi ufake isiginesha yakho siqu ngaphansi idokhumenti entsha, kumelwe ufunde ngokucophelela imigomo nemibandela ebekwe kulo. Labo abathanda, kufanele ngikhokhele loan okudingekayo uma ibhange ziwile, kufanele baqonde ngokucacile ukuthi banelungelo hhayi ukuze uvumelane nezimo ezintsha ezingenawo la mathuba. Ngezinye izikhathi umbolekisi omusha uqala ukuba zitshele buyiselo zakuqala yesikweletu esenana ngenzalo ephansi kanye ukwesulwa zonke izinhlawulo. Obolekayo unelungelo lokwenqaba, kodwa uma kukhona kungenzeka esinjalo, kuba namanje kangcono ukuba zikhokhe izikweleti zakho e yokukhokha eyodwa.

Izenzo umboleki, ukuze ufunde mayelana ucabanga ebhange

Emva kokuthola isaziso esemthethweni ekuvalweni enkampanini yezimali, labavulekela loan, umboleki kumele uthathe izinyathelo ezithile ezilula ukukusiza ugweme izinkinga. Okokuqala, musa ukuhlala futhi uzindle yini noma cha ukukhokha loan uma ibhange zigoqiwe kunesidingo. Kufanele kube ngokushesha ngangokunokwenzeka ukubhekana ehhovisi central lesikhungo ungeke uzithole usuwile. Kulapho ungakwazi ngokuvamile ukuthola abameleli lokho okubizwa ngomlobokazi ekuphathweni zesikhashana. Ngemva kokwethula isivumelwano sakhe loan, kubalulekile ukuthola imininingwane entsha, okuyinto kumelwe manje kufanele idluliselwe izinkokhelo zenyanga. Akubalulekile sokukhokha imali ebolekiwe ku imininingwane ubudala. Igcwele nezinselele ezinkulu, ngoba imali yakho umane hang ohlelweni.

Uma ngasizathu simbe unganikezanga imininingwane emisha, futhi inkathi yokwenza inkokhelo olandelayo sisondela ngokungenakuvinjelwa esondela, kufanele uthumele imali ku-akhawunti endala futhi qiniseka ukulondoloza irisidi. Ngokuzayo kuyokusiza ke ukuqinisekisa ukuthi inkokhelo yenziwa.

isiphetho

Manje, niyazi, kufanele ngikhokhele loan okudingekayo uma ibhange ngiyaquleka. Awubalulekile zokuchitha wayenethemba lokuthi mayelana ukhohlwa noma ukuthethelela amacala. Akekho oye wakwazi ukugwema ukukhokha loan, ethathwe yasebhange ungeke uzithole usuwile. Uyoba kunoma isiphi isimo kufanele ubuyisele inkokhelo athathwe. Ngaphezu kwalokho, ukukhokha njalo ngenyanga kufanele iqukathe hhayi kuphela kukathishanhloko, kodwa futhi ngenxa yentshisekelo wakhe icala. Lokhu kubaluleke kakhulu ngoba ucabanga - ngumkhuba lapho ukumiswa zonke engamiswanga izinhlawulo inkontileka. Kodwa uqalisiwe ngokushesha njengoba ilungelo ufune izikweletu ngeke adluliselwe umbolekisi entsha. Ngakho-ke, ukuze sigweme izinkinga kungenzeka, udinga ngokugcwele futhi ngesikhathi esifanele ukukhokha izinkokhelo edingekayo.