Demand ezifakwa: izinzuzo, nebubi, design umehluko wemisindo nemiqondo yamagama

Emva kokuthola isizumbulu semali emva ukudayiswa eziyigugu (isib, imoto noma indlu), umdayisi nakanjani ukhathazeke ukuphepha imali. Ochwepheshe abaningi batusa ukutshala noma iyiphi imali esimweni basebenzela (futhi lokhu kwenza ngempela umqondo). Kodwa zikhona izikhathi lapho ukuthengisa imoto (efulethini, cottage), umuntu uhlela ngokushesha ukuthenga esinye ke mayelana nanoma yisiphi "umsebenzi" imali kungaba kungabaza.

Ngakolunye uhlangothi, befuna ukuthenga okusha kungathatha impela isikhathi eside, phakathi kwesikhathi lapho imali kufanele agcinwe endaweni ethile.

Omunye ezahlukeneyo yimpumelelo kakhulu kulezi zimo ubhekwa idiphozi funa.

Ungakwazi Ngokuqinisekile ukuqasha ukuphepha idiphozi ibhokisi bese ugcine imali lapho, kodwa kulokhu, imali yokuqasha yakhuphuka yaba kuyodingeka bakhokhe.

Endabeni efanayo, lapho uvula imali imali, kunalokho, ibhange uzokhokha inzalo depositor.

Yiqiniso, uma uvula idiphozi ngokufunwa, ngesikhathi eziphezulu zenzalo ongakulindela akudingeki (emabhange abaningi singadluli 1% izinga ku ezifakwa enjalo), kodwa kukhona izenzo ezinjalo hhayi ukwenza imali, hhayi ukuba sikhathazeke ngokuthi ukuphepha izimali .

Inzuzo enkulu idiphozi funa yikhono imali nganoma isiphi isikhathi ngaphandle ezengeziwe nezivumelwano, izivumelwano kanye nezinye wamaphepha. Into esemqoka - ehhovisi ibhokisi kwaba inani elifanele lwemali edingekayo (ngokwale nhloso kungcono ukubhuka kusengaphambili). Yiqiniso, zikhona nezinye izinhlelo idiphozi ikhasimende inelungelo ngaphansi kuyo ingxenye imali akhawunti ngaphandle kokuvala inkontileka, kodwa namanje kudinge umzamo owengeziwe kusukela iklayenti, futhi yonke imali lift ngokuvamile kungaphumeleli nabo.

Ngaphezu ukuhoxiswa bushelelezi, kufunwe ezifakwa usesemuhle ngoba ivula ke isikhathi esingenasiphelo (inkontileka isebenza kuze kube isikhathi lapho iklayenti uvala ke). Noma yimuphi idiphozi term singasetshenziswa ikhishwe kuphela isikhathi esithile, ngemva kwalokho kungenzeka ukwenza kabusha kokuzenzakalela, kodwa awukwazi phakade - esikhathini esithile ziyayeka neqhaza longirovatsya. Ngokuvamile, iklayenti kuyodingeka ukuqapha isimo imali yakho, okuyinto zingavumi njalo, futhi ngokufunwa ezifakwa akudingeki-ke.

Ngokuphathelene okomnikelo nemiphumela ethile engathandeki, vula uhlelo "ngokufunwa", i-main - iyona ongaphakeme zenzalo. Uma sicabanga ngakho konke imali imali kuzo zonke amabhange, imali yokufunwa angabhekwa sihlobene-non-isithakazelo, ngakho izinga azinakwa. Nokho, esimweni yokungaqiniseki zezimali, kufunwe idiphozi - lena nje okudingayo. Uma ngemva kwesikhathi kuvela ukuthi imali esikhathini esizayo esiseduze ngeke kube nesidingo, kungenzeka ukuvuselela idiphozi term ukuze uthole inzalo eyengeziwe.

It kuvela ukuthi uhlobo "ngokufunwa" idiphozi - leli yithuba elihle kakhulu kudingeka ihambe okwesikhashana imali yabo ebhange ukuze alondeke, kuyilapho ningabuyiseli iyiphi indawo yokuhlala noma ukulahlekelwa ikhomishini at umthamo wemvula noma ukususwa. Kodwa njalo ukugcina imali yabo ngesikhathi idiphozi enjalo akudingekile - kukhona izinketho inzuzo ngaphezulu.