Izikweletu emalini ebolekwe: yini okufanele uyenze? Loan ukuze asule nezinye loans

Ukwanda okusheshayo wesikweletu emakethe kuholela yokuthi abantu ukujwayela ophilayo ongaphezu kwamandla abo. A ithuba wangempela ngokushesha uthole ukusebenzisa into engelona ngempela eqolo, okwakwenza amaningi ukuboleka izizumbulu engacabangile ukuthi ngesinye, imali kuzodingeka.

Thatha omunye umuntu, futhi akhokhe zabo

Ngokuvamile ukuhamba okungazelelwe, ukugula noma ngokungacabangi nje kuvimbela umboleki ukugcwalisa credit yayo nezibopho ngesikhathi. Kodwa lokukhohlwa ezinjalo "iphathwa" sasivumela kalula. Ukukhokha izikhathi ezimbalwa kokubeka emihle yokukhokha sekwedlule isikhathi, aba maningi namathuba okuba kabusha isiyalo sabo sezimali. Nokho, ngokuvamile, zonke lezi zinto ziyinkimbinkimbi kakhulu. Nge bomnotho, abantu abaningi bangalahlekelwa ukukwazi kwabo ukukhokha. Kungakhathaliseki lokhu kungenxa ukulahlekelwa umsebenzi noma ngezinye izizathu, akusiyo zibaluleke kangaka.

Izikweletu ubhekene nenkinga yezimali. Yini okumelwe uyenze? Inkinga ukuphila futhi ku-wallet yakho

Ngemva kokufunda kunoma isiphi isivumelwano sesikweleti, uqiniseka ukuthola kukhona iphuzu lapho ngokuphelele kumele azise ebhange nganoma iluphi ushintsho empilweni yakho, ngabe kungcono ukushintsha ikheli, indawo yomsebenzi noma umndeni. Ikakhulukazi kumayelana ikhono lakho ukukhokha. Into yokuqala kufanele ukwenze - iya ebhange iwenze ube ngcono amasonto amabili noma amathathu ngaphambi ukuvela olulindelekile ezikweletini. Zama ukuxoxisana ihlehlise noma ukuguqulwa ishejuli yenkokhelo. Ngakho ungabonisa ibhange ukuthi ayazikhathalela izikweletu emalini ebolekwe, ufunde indlela yokulungisa isimo nge ukulahlekelwa sakugcina bona.

Khumbula, bonke izingxoxo ibhange okufanele iqhutshwe kuphela ngokubhala. Ngemva kwalokho, uzokwazi ukufakazela ukuthi Bakujabulela ngempela ukuzwa sikhungo ngenhloso yokuxazulula inkinga zomhlaba. Isicelo ngokuqinisekile unamathisele amadokhumenti eqinisekisa ukuthi isizathu, ukuze ukuya ebhange, kuhle ngempela. Kungaba isitifiketi kumqashi ukuthi azehlise inkokhelo, ikhophi yerekhodi umsebenzi nge irekhodi ukuxoshwa, isitifiketi umsebenzi isikhungo, sicashunwa uju. amabalazwe ezibonisa uphethwe namarisidi ekusetshenzwa ezibizayo noma izidakamizwa. Abasebenzi ibhange uzohlola bese sithatha izinyathelo ezifanele.

Uma ungenayo nethuba lokuvakashela inhlangano yezimali mathupha, thumela incwadi ukuze imibhalo, kuphela ngempela certified nge ukubuya Irisidi eceliwe.

Yeka ukuthi kuyinto ukubambezeleka

Singasho ukuthi ibhange isikhashana ngisho kuzuzise "lokukhohlwa" amakhasimende, njengoba kungadingeka akhokhe inhlawulo ngalunye usuku ukubambezeleka loan. usayizi emihle kungase kube kusuka 0.01 kuya ku-3% ngosuku, noma obonakaliswe nani. Kukhona amacala lapho ibhange ukhokha inzalo hhayi yena kuphela loan, kodwa futhi phezu izinhlawulo kanye nezinhlawulo kungukuthi ikhokhwe emva kwesikhathi. Khona-ke inani izikweletu kwandisa cishe exponentially nsuku zonke.

Ngaphezu kwalokho, cishe zonke isivumelwano sesikweletu iqukethe isigatshana ngaphansi lapho ibhange kungase unilaterally kufunwe buyiselo zakuqala imalimboleko ngenxa yokwephulwa imigomo yesivumelwano. Ukwehluleka ukukhokha nje kwephula kuyinto.

Ingabe kuyazuzisa ke ukufihla?

Ngakho, une izikweletu ubhekene nenkinga yezimali. Yini okumelwe uyenze? Izinketho ukubhekana umbuzo eningi, kodwa lokho ncamashi akudingeki ukwenze ukufihla kusukela osebeni nobunzima sakho sezimali. Musa cabanga ukuthi ukhohlwa uthethelele izikweletu. Uma abasebenzi isikhungo sezezimali musa ungayicasuli izingcingo zakho nezincwadi, ingase ibe khona ehlukile izizathu lokhu, kodwa lokukhohlwa - nje akekho noyedwa kubo. Ezinye amabhange abanawo inani labasebenzi ukuba asabela ngokushesha ukubambezeleka kancane, futhi izakhiwo ahlukene - uhlobo ibhizinisi, ngomqondo ongokomfanekiso, umthombo obengeziwe engenayo. Phela, isikhathi eside ungayikhokhi, kulapho ungakwazi ekugcineni ukubuza, ikakhulukazi uma usuthathe loan ngokumelene nanoma iyiphi impahla.

Uma une izinkokhelo eziningana sekwephuzile, ibhange ukubhala nawe "uhlu black", kanye nomlando ikhredithi kungalimala. Ngisho noma unquma udaba senkokhelo imalimboleko, lapho kuphakama izinkinga ezintsha. Futhi uma inani izikweletu mali izosiza idlule ruble ayizigidi ezingu-1,5., Ibhange kungadinga ukuqashelwa wena dodgers. Kulokhu, wena ukusongela inhlawulo hhayi kuphela omkhulu, kodwa futhi ngempela ejele - up iminyaka emibili ejele.

Ake uvume! ukuhlelwa kabusha

Zanqwabelana izikweletu emalini ebolekwe? Buza abasebenzi yasebhange mayelana nokwenzeka endabeni yokuhlela kabusha kuyadingeka kwasekuqaleni. Ngo-90% amacala ababhekene athambise isandla amaklayenti abo abangekho esimweni esinzima. Lokhu kwenzeka ngoba ngomthetho kumele yasebhange inzuzo yayo ukudala Isikhwama ukuthi ihlanganisa loans oluvelele. Lokhu kusho ukuthi-ke kunciphisa net inzuzo isikhungo, kodwa hhayi ama-asset ayo. Ngakho-ke, iyiphi ebhange ibaluleke nesithakazelo eqinisweni lokuthi fund enjalo lalilincane kakhulu, ngoba imali kufanele asebenze.

Into yokuqala okufanele niyenze ukubhala isitatimende kabusha izikweletu. Ngemva kokucabangisisa ngale ibhange enquma ukuthi yini okufanele uyenze ngokulandelayo. Ikhambi best ngawe kuyoba kube isiphelo sesimiso inkontileka entsha (noma isivumelwano lokuchibiyela ukuze ekhona) kuze kudlule isikhathi eside nge ukwehla kanyekanye e lemali buyiselo nyangazonke.

Ngezinye izikhathi, ikakhulukazi uma ungakwazi ukufakazela ebhange ubunzima une isikhathi, unganikela credit iholide. Lokhu kusho ukuthi sokukhokhwa eliyinhloko isikweletu okwesikhashana, futhi kuyodingeka bakhokhe kuphela isithakazelo. Inhlawulo kanye nezinhlawulo Kulokhu, futhi, ngeke ukhokhiswe. Lokhu amabhange inkonzo anganikeza ababoleka zabo isikhathi esingangesonto elilodwa kuya ezinyangeni ezimbalwa. Uma ngalesi sikhathi, isimo sakho sezimali ingakuthuthukisi, sizoba ukuthola enye indlela yokuphuma.

Enye loan? refinancing

Uma kabusha izikweletu wena ayisebenzanga, futhi ngasizathu simbe ibhange wenqaba wena, ungazama okunye ukukhetha - loan ukuze asule nezinye loans. Refinancing ingatholakala esikhungweni efanayo noma uxhumane nanoma yimuphi omunye lwakho olukhethile.

inkonzo enjalo ingase ibe efanele, isibonelo, bengatshelekwa, noma esimweni lapho loan abanye. Kulesi simo loan ukuze asule nezinye loans kuzosiza ukugwema ukudideka nge izinkokhelo amabhange ahlukahlukene. Phela maturities zingase zingafani, futhi ingozi sekwephuzile inkokhelo elandelayo kwandisa izikhathi eziningi. Kungase kube ukuhlakanipha ukuthatha loan entsha e lemali ukwanele ulindele ukubuyiselwa yona iphelele zonke ezinye ukubolekisa, ukuqapha eduze nokugcwaliseka ngesikhathi esifanele izibopho zayo.

ukuheha yisiboniso

Une izikweletu emalini ebolekwe: yini okufanele uyenze? Thola yisiboniso okuthembekile. Lena ngenye indlela ukuze kulungiswe udaba, okungase ukukunikeza isiphathimandla loan. Inqobo nje uma ungenawo peregruppiruete imali yabo, baqale konke ukufeza izibopho zabo ngokugcwele, yisiboniso uyokwenza njengoba yisiboniso ikhono lakho ukukhokha. Yiqiniso, kuzodingeka ukuba afakazele solvency ka yisiboniso, kuzodinga iphakethe egcwele imibhalo, ngokuvamile kuyafana for umboleki. Nokho, khumbula ukuthi uma ungakwazi axazulule nge ebhange, wonke umthwalo wokuba nomthwalo wemfanelo uyoba semahlombe yisiboniso.

Goes ukuzingela: abaqoqi kanye depressants

Uma ukweleta dollar angaphezu kweshumi, futhi ukuxhumana nabasebenzi yasebhange Dodge, izikweletu zakho angadluliselwa izinkampani iqoqo. Ngezinye izikhathi lezi zakhiwo ahlenge ngokugcwele izikweletu zakho ebhange ku-loan, kodwa abathelisi abaningi ukusebenza naye ku imigomo Outsourcing. Okungukuthi, abe inkonzo yesikhathi esisodwa esimweni ngasinye. Ukuxhumana nezinkampani ngokuvamile ezingemnandi okungaphezulu kakhulu ingxoxo kwabasebenzi ebhange. Nakuba aphezulu balindeleke ukuba bakwazi ukwenza ngokuvumelana nohlaka lomthetho, empeleni lokhu kwenzeka ngaso sonke isikhathi.

Ngokomthetho, ngalendoda kufanele uqale uxhumane nawe ngocingo futhi bazame ukukwenza ukukhokha izikweletu ngokuzithandela. Ngaphezu kwalokho, i-course ithatha mail ngqo. UNkulunkulu wayengajabule ngalendoda kumele sikwazise ngokubhala ukuthi ibhange wamyala ukuba alulame izikweletu zakho zamanje loan, ucacise ezikweletini maturities. Uma le kholi sizibiwe nguwe, ubhoko izinkampani iqoqo zama ukuhlangana nawe umuntu. Ukuze wenze lokhu, angeza ekhaya lakho noma emsebenzini. Uma kungekho sinyathelo alethwe yalokho omuhle, inkampani iqoqo angafaka isicelo enkantolo ayimpoqo ukuqoqwa izikweletu.

Uma lokhu kwenzeka, ungazama ukusebenzisa antikollektorov. Lezi zinhlangano ezingokomthetho, ngokuyisisekelo umsebenzi ukuvikela ababoleka kusuka amabhange noma abaqoqi. Futhi nokudangala kungasiza ukunciphisa inani esihle futhi ukufeza ukuguqulwa isigwebo phezu loan.

Enkantolo?

Uma ungakwazi bengavumelani amicably ne yasebhange, bese ngokuhamba kwesikhathi kuyoba ukuhambisa ekuqhutshweni enkantolo. Ngiyesaba lokhu akudingekile, izikweletu bhala-offs emalini ebolekwe akunakwenzeka ukuba kwenzeke, kepha ngesikhathi Isivivinyo loan lemali uzobe simisiwe. Lokhu kusho ukuthi ayisekho ezicela izinhlawulo kanye necala lemali ngisho inani uzoma avuke kancane. Yingakho amabhange ngokuvamile aye enkantolo kuphela njengesixazululo sokugcina. Phela, kuze kube lokho kwenzeka, inani izikweletu zakho liyaqhubeka landa, futhi ngenxa yalokho, ukwanda kanye engenayo cishe ebhange. Ngezinye izikhathi kuziwa yokuthi isamba izinhlawulo kanye isithakazelo idlula kude izikweletu ngokwaso. Uma wazi kahle ukuthi ngeke bakwazi sokukhokha imali ebolekiwe esikhathini esizayo esiseduze, futhi isivumelwano yasebhange ayikwazi - ukhululeke ukuya enkantolo bebodwa. Inkantolo Yiqiniso, ngeke anqume ukuthi ngenanele wena emuva, kodwa ngokusekelwa nommeli ongumakad 'ebona, uyokwazi ukufeza ezifanele kunazo zonke, wawatshela izimo buyiselo.

iseluleko esisebenzayo

Musa uthole kakhulu ancike yokuthi kusukela ekupheleni kwesikhathi esiyizinsuku ezinga komkhawulo (iminyaka 3) uyolikhohlwa. Lesi sikhundla ungadlala nawe ihlaya enonya. Ngemva kweminyaka engu-3, afake isicelo enkantolo ukuze bakwazi hhayi kuphela ebhange, kodwa ukhona. Ngakho kusobala ukuthi ngeke ukwazi ukuthola ukusuka ngezikweletu zenu. Kodwa akekho kungaphazamisa kuye ukuthengisa isikweletu sakho abaqoqi. Futhi lezi namanenekazi uzokwazi konakalisa ukuphila kwakho isikhathi eside, ngoba akukho yisimiso ukulinganiselwa. Futhi eziningi kangaka uzokwazi ukuthatha nawe abaqoqi, uNkulunkulu uyazi.

Loan wenza ukukhokha: lapho

Uma ususithathile loan ngokumelene kwemoto, efulethini noma impahla kwamanye, into Enforcement lokuqala kuyoba ngokusebenzisa ukudayiswa impahla. Uma inani lemali alwanele, amehlo bailiffs waphendukela imali lwemali kazwelonke noma isizwe, futhi kulowo myalelo. Khona-ke, ngokuhamba lonke impahla okweletayo sika, uma ikhona. Okungenani ahlupheke emholweni wakho, kuphela esemthethweni futhi engekho ngaphezulu kuka-50%.

Futhi lokho ngeke bakwazi ukucosha

Musa ziyothathwa ukukhokha izikweletu ku yemali ebolekwayo:

• ukudla, inani elilingana izindleko ophilayo kuwo wonke amalungu omkhaya wethu;
• izimpahla zasendlini kanye nezimpahla zasendlini - .. Izingubo, izicathulo, ifenisha kudingekile, njll, ngaphezu nezinto zokunethezeka, okuyinto kungenziwa labizwa ngokuthi umshini wokuwasha, microwave, ukudla processor, juicer, i-TV, njll.;.
• izinto ezidingekayo ukuze imisebenzi yabo, isibonelo, uma violin, violin uzoba nawe;
• izinto umuntu okhubazekile - izinduku zokuhamba, sabakhubazekile (ngisho eqolo);
• ezifuywayo, imfuyo, yenkukhu, ngaphandle uma ezifuywa izidingo zabo siqu;
• imiklomelo, imiklomelo, imiklomelo kazwelonke, izindondo;
• izibonelelo zomphakathi, izinzuzo kanye isinxephezelo, isibonelo, owayesinde.

By the way, efulethini ukuze izikweletu of udumo luya wena kuphela uma - hhayi indawo nje, efanelekayo unomphela umndeni yokuhlala noma isibambiso ku mortgage. Kuyefana nasendleleni emakhaya abo nasemaHholo umhlaba.

Ngingakugwema kanjani lokhu esikhathini esizayo

Kuyangikhathaza kakhulu lapho kukhona izikweletu ubhekene nenkinga yezimali. Okufanele ukwenze ukuze uqhubeke lokhu bekungenzeki, wonke umuntu uyazinqumela. Nokho, ukubona imithetho elula, sizame bazivikele izimo ezinjalo.

1. Ngaphambi athathe isikweletu, cabanga ngezindlela wena uzonikeza.
2. Ungathathi ukubolekisa eziningana ngesikhathi esisodwa. izinkokhelo angagcina abe bayehluleka ngekwetimali.
3. Funda isivumelwano sesikweletu, ikakhulukazi endaweni, ebhalwe ngamagama amancane. Khona-ke izinhlawulo nezinkokhelo ngeke ukumangala ngawe.
4. Uma isamba semalimboleko libanzi, zama ukuba ukuthathelwa umshuwalense, esikhathini esizayo kungase kube usizo.
5. Esimeni isiphi isimo esingalindelekile kufanele axhumane ngokushesha ne ebhange bese uzama ukuxazulula inkinga ngokuthula.

Landela lezi ziqondiso, futhi ukhohlwa mayelana nezinkinga, okungenani kuze kube isikhathi uze uthole loan entsha.