Izimiso eziyisisekelo zekhredithi, isisekelo nemisebenzi

Imvelaphi yegama elithi "isikweletu" inezincazelo ezimbalwa. Abanye ochwepheshe bacabangela ukuthi yi-derivative yesi-Latin credit (ekuhumusheni "uyakholelwa"), abanye, kusukela ku-creditum (mboleko, isikweletu). Eqinisweni, ukubolekwa kwemali mboleko kuyinhlangano yokukhishwa kwemali-mboleko, noma imali ebolekwa ngefomu noma ngezimpahla. Umqondo nemikhuba yokubolekisa kwakunezinkulungwane eziningana ezedlule ezifomeni zemvelo nezemali. Zomi zombili lezi zinhlobo zemali mboleko zenziwe ngendlela efanayo, zithola ukukala nokubaluleka kwazo.

Okuyinhloko yesikweletu

Cabangela kafushane lokho okusemqoka, kanye nemisebenzi, kanye nemigomo yesikweletu abayimelela ekusebenzeni. Umqondo wokubaluleka kwekhredithi, okusho ukuthi ubudlelwane bezomnotho phakathi kwababolekisi nababolekayo embuzweni wokubuyiselwa kwemali yezimali noma ukubaluleka kwefomu yezimpahla, kuzinzile futhi kuguquguquke.

Izihloko ezihlobene nokubolekwa ngesikweletu ziyizinhlangano zomthetho noma izakhamizi ezinamandla: ababolekisi bangabantu abathumela inani lokusetshenziswa kwesikhashana, futhi ababolekayo bathola mboleko futhi baphoqelekile ukuba babuyisele ngesikhathi esivumelwaneni. Ezingeni lanamuhla lenhlangano yezobudlelwane bemali yokuthenga impahla, isihloko singenza kanyekanye imisebenzi yomkweletu nombolekayo, isibonelo, ibhange. Into yokuthengiselana ngesikweletu yizilinganiso ezibolekayo ngefomu lezimali nezokuthengiswa kwempahla, idluliselwe kumbolekisi umthengi ngokubuya okulandelayo.

Imisebenzi Yokukhokhela

Kunemisebenzi emibili eyinhloko yokubolekisa kwezimo zanamuhla: ukubuyiswa kabusha kanye nomsebenzi wokufaka ukuthengiselana ngemali mboleko. Ngosizo lomsebenzi wokubuyisela kabusha imali, imali nempahla engomunye umkhakha wezomnotho kudluliselwa kwenye inhlangano yezezomnotho isikhathi esithile, nesimo sokubuyiswa kabusha, ukuphuthuma nokukhokha.

Umsebenzi wokufaka indawo uhlanganisa ukwakha izindawo zokukhokha ezisekelwa ngesikweletu, ezisebenzisa umphumela wokugcina izindleko zokuhambisa. Umsebenzi ongenhla uvele ngenxa yenhlangano ethize yemali yesimanje yokuthenga ngemali kanye nezinhlobo zezinhlobo ezingekhokheshi zokuhlala kuzo. Ukugcina imali emabhange, iklayenti isingena ebuhlotsheni bezikweletu nalezi zinsuku futhi yenza amathuba okuqhuba imisebenzi yezikweletu ngendlela yamarekhodi asebhange, esikhundleni sokusebenzisa imali.

Izimiso zesikweletu

Esikhathini sokusebenzisana kwezikweletu, izimiso eziyisisekelo zekhredithi ziyasetshenziswa, zibandakanya ukuphuthuma nokubuyisela, ukuphepha kwezinto ezibonakalayo, umlingiswa ohlosiwe, ukukhokha.

• Ukukhokhwa kwemali okukhokhelwa imali kusho ukubuyiswa kwemalimboleko ngesikhathi esifanele ngemuva kokuthi isetshenziswe.
• Ukuphuthuma kwemali mboleko kubeka imigomo lapho umbolekisi kufanele abuyiselwe khona yibolekayo, bahlelwe esivumelwaneni sesikweletu noma enye idokhumenti efanayo. Njengomphumela wokuphulwa komthetho kulabo abakhokhi, umbolekisi unelungelo lokusebenzisa izigwegwe zomnotho kuwo.

• Ukukhokhwa kwemali yenzalo inzuzo etholakala ekusetshenzisweni kwemalimboleko futhi isatshalaliswa phakathi komboleki kanye nomboleki njengenzalo yemalimboleko. Ngalesi simiso, lowo obolekayo akabuyiseli kuphela imali ebolekiwe evela ebhange, kodwa futhi ukhokhela ilungelo lokuwusebenzisa.

• Ukuvikeleka kwemalimboleko - mboleko inikezwa ngebheyili noma ngaphansi kwesiqinisekiso semali. Ngakho-ke, izithakazelo zomthengi zivikelwe uma kwenzeka ukuphulwa komboleka izibopho ezamukelwe ngaphansi kwemali mboleko.

• Inhloso yomboleko ukusebenzisa izikhwama zezikweletu ngezinhloso ezithile njengoba kuchazwe isivumelwano sesibolekiso.

Ngaphezu kwalokhu okuyisisekelo, kunezinye izimiso zesikweletu. Ngakho imvelo ehlukaniswayo inikeza indlela ehlukile yezikhungo zezikweletu kubantu abangababolekayo ngezigaba ezahlukene.

Yiqiniso, umboleki angathatha futhi asebenzise izimali zemali mboleko, futhi engazi izimiso eziyisisekelo zekhredithi nemithetho yokusebenza kwalesi sixhobo sezezimali. Noma kunjalo, ukungabi nolwazi kungaholela ezindlekweni ezingalindelekile nokungaqondi kahle okuhlukahlukene. Ukuze usebenzise ngokuzethemba futhi ngokuphepha ukuzuza okuhle komnotho - ukubolekisa, kubalulekile ukuba uthole ulwazi oluyisisekelo. Njengoba ufunde izimiso zekhredithi, uzokwazi ukubala amathuba akho kusengaphambili bese ufaka ubuhlobo obusemthethweni nebhange, ngaphandle kokulahlekelwa ukulahlekelwa okukhulu nokuzizwa uqiniseka esikhathini esizayo.