Kanjani ukuthola loan ngomlando omubi wokukweleta

Ukubolekwa kwemali wajabulela ngomzuzwana ezweni lethu. Bavumela ukuthi uthenge into zakho ozithandayo ngesikhathi esisodwa, ngaphandle kokuba ukuchitha izinyanga noma iminyaka buthelela. Abantu abaningi, ikakhulukazi intsha, isono yokukhokha sekwedlule isikhathi imalimboleko. "Idili Big, kukhokhelwe ngosuku (ngesonto) kamuva ngoba iselula entsha, akazange ukhokhele okufanayo." Ngesikhathi esifanayo abangaze bangaqaphela ukuthi ngenxa yalokhu delinquencies bakha umlando credit negative. Abantu cabanga indlela ukuthola loan nomlando omubi wokukweleta kuphela uma amabhange ukuqala ukuze bahlubuke. Ngezinye izikhathi imbangela ubuhlongandlebe akuyona ukunganaki elula izinkinga umgomo wezimali. Umuntu kumelwe amane kokukhumbula Inkinga 2008 , lapho izinkulungwane zabantu baphelelwa imisebenzi base bengenela abakwazanga ukukhokha izinkokhelo zenyanga. Abaningi balabo abantu eminyakeni embalwa, lapho isimo sayo ezingokwezimali sase singcono, bebhekene nenkinga engathi sína kangakanani ukuthola loan nomlando omubi wokukweleta.

Impendulo ingenye - Umlando wokukhokha kwemali (ngamanye amagama - ukwethembana amabhange) kuyodingeka ibuyiselwe. Iphuzu liwukuthi abakwazi ukuzila ukudla, kodwa ngempela. Angicabangi ukuthi eminyakeni emihlanu edlule, izinkokhelo sekwephuzile TV ezishibhile abuqede mortgage. Ukuze uphinde trust, ngaphambi loan elinomlando omubi wokukweleta, ungathatha esitolo nguye ofanelwe udumo ngenxa yensimbi engabizi, amanzi heater, noma umdlali DVD-. Cishe, akunakwenzeka ukuba ibhange ehluleka kulokhu, ngoba isamba semalimboleko incane. Kuyoba kuphela kufanele ukhokhe njalo ngenyanga ke wabonisa "nezixhobo." Akufanele futhi uvale loan ekuseni. Amabhange ngokuvamile ungathandi payers okhuthele kakhulu, ngoba kulesi simo abazi bazuze isithakazelo.

Lapho le loan sokuqala ivaliwe ngempumelelo, ungathatha yesibili, emikhulu, ngoba ngokuqinisekile in a flat noma indlu kukhona into kade ukushintshwa. Ungathenga plasma TV, vacuum cleaner noma supply okuhle iminyango ingaphakathi. Eyesibili inketho - ukuthatha loan ngokheshi in ebhange. Eziningana ukubolekisa ngisho encane kakhulu hlasi akuyona brilliant kakhulu emlandweni wezikweletu. Khona-ke isivele kungenzeka ukuba ingenzele incwadi loan ifulethi noma imoto, ngokuvamile, iqiniso lokuthi Ngangifuna ukuqala. Yiqiniso, kulesi simo, kufanele nikhokhe ngaphandle ubuhlongandlebe, bese futhi ayiphule ikhanda lakho phezu indlela ukuthola loan nomlando omubi wokukweleta.

Nokho, okunye okukhethwa kukho engasetshenziswa - ubheke amafemu nomlomo. Ngaphambi athathe isikweletu elinomlando omubi wokukweleta, kuzodingeka ukuba uzikhokhele imali, kodwa ngokuvamile kuyakufanelekela it.

Bad Umlando wokukhokha kwemali - akuyona inkinga kuphela. Abaningi banesithakazelo umbuzo kanjani futhi kuphi abafanelwe udumo ngaphandle kukhulunywa amaholo. Ngezinye izikhathi kuba inkinga nzima ukuthola umlando loans ezimbi.

"Ubumpunga" inkokhelo ezimvilophini akumangalisi muntu, kuhlanganise amabhange. Abaningi babo ukuze udonse amakhasimende, nje ibonisa ukuthi ukunikeza imali engabhekiseli (ngezinye izikhathi insuring izingozi guarantors), ngezinye izikhathi ngisho ngaphandle guarantors. Yiqiniso, ematfuba asele mahhala imali yabo ebhange kuleli cala, kwandisa izikhathi eziningi - Amazwi inkokhelo yabo yangempela ayikwazi overstated izikhathi 5-10, ukuvumela kanjani umcabango nonembeza. Ngokuvamile, umboleki akazimisele kokuqala bakopele ibhange - ufuna nje uthole imali lapha futhi manje, futhi kamuva neze angabhekana ngayo ngokuphumelelayo anda umthwalo ngokwezimali. izingozi yabo kuleli cala, ibhange ivala izinga eliphakeme phezu loan - okungenani izikhathi 1,5-2 kuka ngaphansi kwezimo ezifanayo, kodwa ngesitifiketi.

Uma ungafuni overpay, kubalulekile ukuba ucele uMnyango ezimali ukuba asayine isitifiketi 2-PIT inkokhelo yangempela noma ucacise imithombo multiple of engenayo. Enye, okuyinto angaya isazi credit (Nokho okungaphezu kwalokho nengabe asifuni ukhuluma ngani eningi) - ucingo umqashi, okuzokwenza ukuqinisekisa amaholo yangempela. Ngezinye izikhathi amabhange uyavumelana (njengoba, ngokwesibonelo, endabeni a mortgage) acabangele zonke izimali. Lichaza ukupha okunjalo silula - ibhange uhlala impahla ngamasimu, lawo angawasebenzisa ukhethe, uma lo muntu obolekayo kuba ezikweletini.