Le sevisi "credit iholide": imithetho design, isicelo, imibhalo kanye nokubuyekeza

Ngeshwa, inani elandayo labantu abangakwazi beveza ukuhlola amakhono abo zezimali, kuba amabhange umkweleta eminyakeni yamuva. Into embi kakhulu ukuthi kungenza umuntu ukuba kulesi simo, kuba isimo sibe sibi isimo esinzima kakade, ukuqongelela izikweletu. Labo abanayo ithuba ngokushesha abuyisele lonke inani angaya ebhange futhi isicelo "credit iholide". Ezimweni eziningi, ababolekisi athambise isandla ababoleka, ngoba futhi disadvantageous ukuqoqa abanamacala, izinhlawulo enqwabelene futhi awutholi izinkokhelo.

Siyini "credit iholide"?

Lokhu kungolunye uhlobo lokukhokha ayilibalanga, okuvumela izikhungo yasebhange ukuze iklayenti, ngubani akaphethe mali okwamanje, ukuthatha okwesikhashana ikhefu ngokweqile umthwalo ngokwezimali. Nkathi anikezwa umuntu akwazi ukuxazulula zonke izinkinga ezihlobene ne ushintsho nendawo yokuhlala, ukunakekelwa noma ukuthola umthombo unomphela engenayo.

Kwezinye izimo, ukubambezeleka kokukhokhwa?

Esimeni semakhaya ubhekene nokuwa komnotho okuqhubekayo, abantu abaningi, eminyakeni embalwa edlule wathola itshe lemali, abangasebenzi. Abaningi babo babe mortgage noma yimuphi omunye imali eyayiyikweleta ebhange, okuyinto isibe umthwalo babulawa. Ukuze buthelela oluningi kakhulu ukubolekisa engakhokhiwe, ungaya ebhange futhi uthole ukuthi ungathola kanjani "credit iholidi." Ezimweni eziningi, izikhungo zemali bayahamba ukuhlangana nabantu abangekho esimweni esinzima. Ngakho, kungenzeka UKUHLEHLISWA nerejista ezivumelwaneni kakhulu mortgage. Kwezinye izimo, umboleki ungaze ukhethe ukuthi yiziphi amaqhinga akhona njengamanje ngeke ivumelane kuye nangaphezu kwabo bonke abanye - a esinqunyiwe noma ephelele.

Emva kokuthola impendulo omuhle, akufanele kube ubuwula ukulindela ukuthi ibhange uyothethelela lelo cala. Iqiniso yokuthola ukubambezeleka, njengoba umthetho, kuholela Ukwanda okuphawulekayo kokuthandwa izindleko loan. Ngokuvamile, ngemva iholide credit yabhujiswa, ibhange ngeke recalculate ukukhokhelwa kusukela ukwanda ngobukhulu babo. Le sevisi unganikezwa ababoleka elihlangabezana nezimfuneko eziningana. Okokuqala, okweletayo isicelo senkokhelo engamancozuncozu, kungabikho ubuhlongandlebe, kungekhona kulesi sikhungo. Isimo sesibili onikezwe lo muntu obolekayo, kuba phambi nerestrukturizirovannogo izikweletu kuze ulindele ukubuyiselwa yona iphelele zazo zikhona okungenani ezintathu izinkokhelo saziso.

Kwezinye izimo, ibhange ungenqaba ukunikeza deferment?

Isizathu zokwenqabela leso ukubhalisa "credit iholide" kungaba kunqanda edingekayo imali nyangazonke. Futhi, izikhungo zezimali banelungelo hhayi ukuhambisana nesicelo lomuntu abangenalo izinkinga zezimali, izinkinga zempilo akazange balahlekelwe imisebenzi yabo. Umklamo "credit iholide" kungenziwa inqatshelwe uma kwenzeka ukuthi ngosuku irisidi yemali ebolekwayo kwathatha esingaphansi kwezinyanga ezintathu.

Algorithm yokukhokha engamancozuncozu

Le sevisi "credit iholide" kungenziwa enikeziwe emva ubufakazi obubhalwe ukuthi lo muntu obolekayo ungaphakathi izinkinga zezimali futhi asikwazi izikweletu. Nokho, ezimweni ezehlukile, amabhange ukunikeza UKUHLEHLISWA ekukhokheleni ngentando yomuntu. Nokho, le sevisi kungeyona khulula. Abantu abanentshisekelo indlela ukuhlela "credit iholide" kufanele athathe isinyathelo.

Into yokuqala okufanele niyenze ukuxhumana ebhange futhi ikwazise kuye ngezinkinga zabo. Ngemva kwalokho, kumelwe ninikele ubufakazi obubonisa nesimo esinzima kwezezimali wesicelo. I ifothokhophi incwadi ukubeletha noma isitifiketi kusuka esibhedlela ingasetshenziswa njengoba ubufakazi obubhalwe phansi. abasebenzi Bank kudingeka ukuthi unikeze okhalazayo nemigomo lapho zinikezwa "credit iholide". Ngaphambi kokuba usayine inkontileka entsha, kufanele uqinisekise ukuthi alinikezi ukwanda inani lenzalo, le-accrual yenhlawulo noma isithakazelo esingashintshi kuze kufinyelelwe esikhathini deferment yesenzo. Ngaphandle kwalokho, asinakuba udlulela ngokubhala isicelo "credit iholide" egameni nokuphatha yasebhange isikhungo. Ngemva kokucubungula isicelo uma umuntu ethola impendulo omuhle, kufanele eze ebhange ukusayina amaphepha afanele nokwamukela isheduli olusha izinkokhelo.

"Credit ngamaholide" ku Savings Bank: ungasifaka kanjani isicelo?

Kulesi isikhungo sezezimali inikeza isevisi isikweleti ukuhlelwa kabusha nge ukwehla lemali yokukhokha njalo ngenyanga. Ukuze ilungelo lakho, sicela uthintane abamele yasebhange isicelo ezifanele. Bonke abafisa ukuthola "credit iholide" ku Savings Bank, kumele kunike bufakazi bekutsi obubhalwe izinkinga kanye nobunzima. Kwezinye izimo, iklayenti banganikeza ezinwetshiwe nenkathi yenkontileka begodu kukhula inani lenzalo. Umuntu ofaka isicelo UKUHLEHLISWA izinkokhelo, kumele kube umlando lengenamaphutsa. "Ukuhlaba Ikhefu credit" ingase inikwe izinyanga kuze kufinyelele 12. Ngaphezu kwalokho, inkontileka ngokwayo sidluliselwa iminyaka emibili, okuwukuthi, kunciphisa inani lokukhokha nyangazonke.

Kwezinye izimo, kungenzeke ukuba sikhiphe nkululeko?

Uma umboleki abangakwazi ukukhokha izikweletu, kukhona loan indlu, ukubambezeleka eyamukelayo kuyonezela isimo esinzima kakade. Kulokhu kungcono soberly ukuhlola isimo futhi ezizama ukuthengisa isihloko impahla ukuze loan. Ngemva ukudayiswa eseduze okweletayo akusho kuphela balahle babulawa izikweletu, kodwa futhi ukubuyela ingxenye ethile yemali yakhe siqu. Ukuhlehlisa kuze kube sekugcineni futhi ukukhokha lesi sikweletu, lo muntu usazoba bazophoqeleka ukuthengisa impahla ngamasimu. Kuphela le iyolandelwa kwecala eladonsa isikhathi eside, ngenxa lapho umboleki uzolahlekelwa okuningi lemali babo njengokungathi bazithoba isikweleti niyozenezelelwa izinhlawulo yokukhokha sekwedlule isikhathi izimali ngenyanga.

Izinzuzo isevisi futhi impendulo ngakho

ababoleka abaningi banesithakazelo "credit iholide" ku Savings Bank. Indlela yokwenza ukubambezeleka ezifana nokuthi kunikeza, siye sibuyekezwe. Kufanele kuqondwe ukuthi le sevisi ivumela umuntu hhayi ukuletha icala phambi ngezilingo eside futhi ngezinye izikhathi ezilulazayo umnikeza isikhathi ukuxazulula izinkinga zabo. Izibuyekezo amaklayenti asebeke babasebenzisa "grace period", ihlukaniswe yaba amakamu amabili luphambene. Omunye wabantu bayabonga amabhange, okuyinto wabavumela ukuba ahlukane nawe-breaking okwesikhashana ukwenza iminikelo kanye ukuthuthukisa yabo ngesimo sezimali. Abanye, kunalokho, kuphela zaba zimbi isimo esinzima kakade, kakhulu ukukhulisa inani izikweletu. Ngakho unquma ukusebenzisa le sevisi noma cha, kufanele kuphela umboleki. Kubalulekile kakhulu elivunyelwa ukuhlola amakhono awo angokomzimba realize ukuthi lo is lutho ngaphezu ukubambezeleka, okunikeza amathuba ukuthola indlela yokuphuma kulesi simo.

Kufanele I sebenzisa "grace period"?

Kufanele kuqondwe ukuthi noma ikuphi ukuzindela ukuvuthwa phambili sokubolekwa nokwanda kokungabi ngokweqile. Phakathi isenzo ekuhlehlisweni lemali avelele izikweletu akusho wehlise noma penny, ngakho-ke, akuyona sinciphile isithakazelo. The eside "ukuhlaba ikhefu", aba maningi ukwanda izindleko zesikweletu. Ngakho-ke, kuyinto efiselekayo ukusebenzisa le nsiza kuphela ezimweni ezingavamile.

Hhayi ukuyikhokhela nangokuyeka out ukubambezeleka, umuntu angase abhekane omunye, nakakhulu yenkinga. Yena uzoqala ezicela izinhlawulo. Ngaphezu kwalokho, eminyakeni yamuva nje, amacala lapho amabhange ukudlula loans ezimbi emahhovisi iqoqo, abasebenzi ayaqala nje ukuhlukumeza okweletayo kanye izinsongo amakholi wefoni ukuvakashelwa. Futhi ngokushesha nje isikhathi ukubambezeleka idlula 90 zinsuku, yasebhange isikhungo unelungelo ukuqalisa imisebenzi forensic enokumangalelwa. Emva kokuthola isinqumo senkantolo umboleki ezikweletini ungalahlekelwa izibambiso.