Loan futhi credit: uyini umehluko nokuthi yini zifana

Sivame ukuhlangabezana nemigomo "loan" futhi "loan". Uyini umehluko phakathi ayengumuntu ofana nathi kungaba akucacile. Ngokuvamile isikweletu ngokuthi "ebhange." Nokho, phakathi ezimbili kukhona umehluko omkhulu. Ukuze ufunde umehluko phakathi imalimboleko udumo kumele ayejwayele ubunjalo kwezomnotho zalezi imiqondo emibili.

Umehluko oyinhloko phakathi ukubolekisa nokubonga

Ngokuvamile, i-credit - ekhishwa isikhungo yasebhange ngenzalo isikhathi esithize inani lemali. I izici eziyinhloko we loan inkokhelo, ukuvuthwa futhi recoverability. Lokho kusho ukuthi lolu hlobo sihlobana akuhileli Ukukhishwa isibonelelo noma loan izimali isikhathi esingenasiphelo. Yini angeke uthe imalimboleko, okungaba hhayi kuphela ngezimali kodwa futhi ngesimo impahla. Ngaphezu kwalokho, inganikelwa njengoba mahhala futhi zikhokhwe. Ngezansi kuxoxwa kabanzi welithi "loan" futhi "loan". Kuyini umehluko phakathi kwabo kungaqondakala kuphela ukufunda izici zabo eziyinhloko.

credit

Credit has izici ezilandelayo kanye nezici ehlukile imalimboleko.

• Ubudlelwano obuphakathi umboleki kanye nesikhungo abolekise ukuthi linikeze izikweletu, kulawulwa njengoba the Civil Code, kanye nomthetho wezimali.
• Ngemva kokuhlola welithi "loan" futhi "loan", uyini umehluko bona kungabonwa yiwo wonke abahlanganyeli kwalobu buhlobo. Ayemkweleta kungase inhlangano kuphela kokuba ilayisensi Central Bank lokufeza credit imisebenzi. Kungaba amabhange, izikhungo microfinance nabanye. A Ngemali Yezakhiwo kungaba inhlangano esemthethweni, noma abantu zemvelo.

• Ukubolekwa kwemali kungaba kuphela zenzeke ngokheshi.
• Owayebolekisile intokozo kungeyena umnikazi kwezimali waboleka, udlala indima umlamuleli, futhi imali zanqwabelana - kungcono lasebhange iminikelo besithathu, kanye nenani isithakazelo etholakele nezinye ababoleka kwamanye sokubolekwayo.
• Nesivumelwano sokubolekwa phakathi kwebhange umboleki liyadingeka ukuphetha uma yisiphi isamba imalimboleko.
• Uma ubheka isimo somnotho we lwati lwa "loan" futhi "loan", yini umehluko kungaqondakala kusukela lokuthi loans kufanele ikhokhwe, t. E. umbolekisi Kufanele usethe zenzalo yokuzigcina ukuboleka. Ngaphezu kwalokho, unelungelo futhi zihlanganisa amacala credit ukwesekwa. A loan kungaba mahhala futhi zikhokhwe.
• Izinga lenzalo yemali mboleko akufanele kube singaphansi kwesilinganiso refinancing ngesikhathi sokukhishwa imali, uma kungenjalo umbolekisi zonakale ngoba izibopho ayo ngaphansi idiphozi debit kanye nokulingana sokubolekwayo.

• Owayebolekisile iyakwazi ukuthuthukisa okubalulekile injongo ukubolekisa, ephakamisa isiqondiso izimali ezitholwe obolekayo, kuphela ngenhloso ukuthi kumele bucaciswe e nesivumelwano sokubolekwa.
• Esinye isici kungase kuqashelwe, ihlukile kune imalimboleko yibhange imali engango - ukuthi izikweletu ku isikweletu isikhokhwe ngokugcwele ngesikhathi esifanayo, futhi ngaphansi credit - amayunithi, ngokwesimiso sansuku ezibekwe nesivumelwano sokubolekwa.
• Owayebolekisile unelungelo lokuthathwa njengomsulwa ngokomthetho kufunwe ezingase umboleki ngesimo ibe yisibambiso impahla noma iziqinisekiso yokuvela eceleni, kanye ukuphoqelela izinhlawulo yokukhokha sekwedlule isikhathi kwi loan.
• Impahla elise ngebheyili, kubhekwa nje nempela umthwalo, futhi amalungelo umboleki sika kuso anqunyelwe nje isikweletu hhayi abuyiselwe. Uma kukhona Ukuwohloka eseduze, ibhange kungadinga umboleki sika Imininingwane isinxephezelo, ngisho noma umboleki okhokhela ngendlela esifike ngesikhathi zonke izinkokhelo ku loan.
• Umehluko phakathi loan futhi udumo itholakala lokuthi ukuthi esimweni loan umbolekisi unelungelo, uma lo muntu obolekayo enqaba ukuyibuyisela waboleka, efuna ukuba enkantolo senkokhelo egcwele izikweletu kanye nazo zonke izinhlawulo.
• I loan elinesimo imikhiqizo abolekise obukhethekile yesibonelelo sikahulumeni, ukuthi uvumele nezigaba ezithile ababoleka ukuze uthole imali ku ngaphansi kwezimo ezimvunayo.

loan

Umqondo "loan" futhi "loan" umehluko itholakala lokuthi ukuthi loan akudingeki ikhokhwe. I loan siyindlela loan ezihlinzekwa ebhange noma kwenye abolekise isikhungo. A loan ayathola, isibonelo, inkampani lapho umuntu usebenza, nokunye okunjalo.

izinhlobo ukubolekisa

Ngakho, umqondo 'loan "isetshenziswa kabanzi kuka the' credit", futhi ine lezi zinhlobo ezilandelayo:

• loan Umthengi.
• ebhange.
• Loan amafa.

Loan amafa kuhilela ukudluliselwa kwempahla, ibhange - lena yibhange imali engango-imali, futhi umthengi kufanele ikhishwe ku yokufuna indoda iyiphi into, isibonelo, izinto zasendlini, imoto nokunye ..

Futhi kungani udinga loan?

Kungani udinga loan uma ungakwazi athathe isikweletu hhayi akhokhe inzalo kuyo? Ukuze siphendule lo mbuzo kumelwe siqonde umahluko phakathi imalimboleko loan futhi iziphi banayo.

Ukuze athathe isikweletu noma ukuboleka imali omunye, kumele ube nobuhlobo ukwethenjwa umbolekisi, futhi ukuze kuzuzwe ubuhlobo obunjalo badinga isikhathi eside futhi kanzima ukuzama. Kodwa ukuze uthole loan udinga kuphela ukuqinisekisa i-sesikweletu solvency. Namuhla, amabhange baye basungula izinhlelo loan ezikuvumela uthole imali encane e ukuhanjiswa ipasipoti eyodwa kuphela. Nokho, ukubolekisa onjalo kubonisa ephakeme zenzalo, okuyinto lihlotshaniswa ingozi ukuthi ibhange asiphethe.

Ukufana imali kanye credit

Kukhona futhi ezifuze imiqondo "loan" futhi "loan". Umehluko kucacile ngco kulofundzako. Futhi ziyini efanayo?

Zombili imiqondo zisikisela ukuthi Ngaboleka imali noma impahla (in the case of loans) kumele ibuyiselwe. Loan kumele ikhokhwe isithakazelo, kanye namacala ukusetshenziswa kwezimali. Endabeni yesivumelwano sokubolekwa imali ukuze umholo ezithile ngoba impahla adluliselwe ingaphinda enikeziwe, okuyinto ungaboniswa Ngokwamanani emali.