Ihlola Umlando wokukhokha kwemali abadinga nokuthi ungasebenzisa kanjani ke bebodwa

Kwenzeka ukuthi umuntu uya ebhange ukuze uthole credit, kepha wala isivumelwano. Kulokhu, abasebenzi weemali acishe never sichaze isizathu isinqumo esinjalo. Ngokuvamile, izimo ezinjengalezi zingase ziphakame uma isheke umlando credit wembula ukuthi kwadingeka nanoma iziphi izinkinga ukubuyiswa kwemali imali esikhathini esidlule.

Ukunciphisa kungenzeka ukwehluleka ibhange ukukhipha loan, kufanele ayogcina kwezibopho umboleki. Yiqiniso, uma uthanda, kungatholakala leso sikhungo, okuyinto izokhipha loan ngaphandle kokuhlola Umlando wokukhokha kwemali. Nokho, izinhlangano ezinjalo ngokuvamile bayakwazi ukunikeza ukuphetha a nesivumelwano sokubolekwa ngemibandela ngokuphelele okungekuhle: eliphakeme isithakazelo noma izinga nge imfuneko ephakeme eseduze futhi guarantors.

Umqondo Umlando wokukhokha

Ngaphambi uthole ukuthi yini umlando wakho wokuthenga ngesikweleti,, kungaba kuhle ukuba baqonde lokho imayelana. Lena nzima kunalokho ezungeze umqondo kwezomnotho.

Credit umlando ihlukaniswe yaba izingxenye ezintathu. Lihlanganisa ulwazi ludluliselwa esikhungweni sezimali i-credit bureau kanye ephawula izinga umboleki izibopho zayo ngaphansi nesivumelwano sokubolekwa.

1. Ikhava umlando credit uqukethe lonke ulwazi mayelana umboleki.
2. The main ingxenye liqukethe ulwazi mayelana kuncike salo, esiwulwazi umamukeli imalimboleko, ukubhaliswa kwaso, kanye nezivumelwano loan.
3. Isakhiwo okwengeziwe kuhlanganisa ingxenye idatha yomsebenzisi, okuyinto isihloko sivunyiwe ilungelo lokufinyelela olwazini, kanye nemithombo ekwakhekeni, okuyizinto abakweletwayo ngalesi simo.

IBhange ungangena esivumelwaneni neqembu elilodwa noma ngaphezulu-credit bureau. Ngaphansi leli gama lisho ukuthi inhlangano eyenziwa ukwakheka, izinqubo zokulondoloza idatha kufakwe Umlando wokukhokha kwemali.

Cover izingxenye zigcinwa Catalogue Central Credit Histories. Qedela ulwazi olugcinwe kwi-Cras ngabanye (credit bureau). Ngakho-ke, ukuze kwenziwe lula ukubuyisa idatha esimweni lapho ufuna ukuhlola umlando Ikhredithi amakhodi kuncike zisetshenziswa, okuyizinto amakhodi nezinombolo.

Wazi kanjani umlando credit

Isikhathi esining impela, noma nini umuntu uyabona ukuthi idinga ukwenza credit amasheke. Le sevisi mahhala noma yisiphi isakhamuzi Russian ungathola kanye ngonyaka. Nokho, lokhu kuyinto elula kangaka cha. Iqiniso lokuthi akukho semininingwane esinobunye credit imilando eRussia. Kunalokho, wadala BKI isizinda, elisesifundeni CCCH (Central Catalogue of Credit Histories). isakhiwo okunjalo kwenza ukuba sifinyelele ukuvikela okukhulu kulaba ababoleka.

Kubalulekile ukukhumbula ukuthi i-credit isheke eliqinisekiswe kungaba kwenziwe kuphela imvume tesifundvo. Lokho, uma sisebenzisa loan uzocelwa ukuba asayine imvume isicelo idatha.

Ngakho, ulwazi Catalogue Central Credit Histories ungathola nge kwemvume yakho, wena noma i-credit bureau. Yiqiniso, ungaya noma iyiphi ebhange inikeza ngamasevisi ukunikeza uhlu credit bureau ukuthi ugcine ulwazi ngawe njengoba umboleki. Kodwa uma wazi ikhodi mayelana nale ndaba, isicelo CCCH, ungathumela elakho.

Kukhona izinketho ezimbili ukuthi ungathola kusuka ikhathalogi eziyinhloko:

1. Imininingwane ngokufunwa ingatholakala kunjalo, uma ungakaze kuthathwe ukubolekisa, noma uma wenza nesivumelwano sokubolekwa imali kuze 2006, lapho uMthetho Credit Histories wayengekho.
2. Uma umlando wakho wokuthenga ngesikweleti, wena lapho, ephendula isicelo uzothola uhlu Cras, aqukethe ulwazi olumayelana nawe.

Esimeni sesibili, ngemva uthola uhlu Bureau eveza izinombolo zocingo namakheli, kumele uxhumane ngamunye wabo futhi uthole ulwazi mayelana ngokwaso njengoba umboleki.

Ngakho, umuntu ngamunye wathatha loans esikhathini esidlule noma uhlela ukusebenzisa le nsiza esikhathini esizayo, kungaba engadingekile ukwazi ukuthi kokuhlola umlando credit kungaba kwenziwe ngokuzimela futhi mahhala.