Abaqoqi ukusongela ukwenza lokho? Ingabe ngalendoda kwesokudla ukwesabisa?

Zezomnotho bathi loans - kuyinto injini ukuthuthukiswa komnotho. Nokho, lokhu isiphakamiso kuyiqiniso kuphela uma ehloniphekile izimo ngesikweletu kanye ukusebenza efanele nezibopho zabo yibo bonke abathintekayo kule nqubo.

Uma lezi zimo hhayi wahlangana ke izinkinga ziqala, okuyinto ngesikhathi sako ushayiwe kanzima yi-sezimali inhlalakahle emazweni amaningi kanye umnotho wembulunga yonke iyonke.

Kwathi lapho ibhange lenza ukwenza izimangalo loan, umuntu ngokuvamile abavikelwe phambi lo mshini zezimali. Kulesi sihloko sizohlola ukuthi baziphathe kanjani lapho abaqoqi zisongelwa, yini okufanele uyenze futhi bangaya kuphi ukuze bathole usizo.

Kungani kukhona inkinga enjalo?

Abantu thatha ukubolekisa ikakhulukazi ngenxa yezizathu - ayikho indlela ukukhokhela yonke imali ngesikhathi esisodwa ukuthenga into edingekayo. Lapho senza credit ababoleka ukhethe isikhathi lapho lizinga ukukhokhelwa nyangazonke kuyoba ongaphakeme ngokwanele ukuba insignificantly kuthinte isabelomali umndeni.

Nokho, kuphela ummemezeli eshisiwe uyazi okulindele ngamunye wethu ukuza. Futhi ngezinye izikhathi kunezindlela izimo ezinjalo lapho izimali kuthiwa ukwehla, futhi ngeke ukwazi ukukhokha loan ngesikhathi. Kulokhu kukhona ukubambezeleka ku loan.

Kunezikhathi lapho ibhange mathupha ukukhulisa zenzalo ngaphansi inkontileka, futhi akusiyo ehlombe ngaphambili.

Lapho kwenzeka lezi zimo, ibhange ingase idayiswe izikweletu zakho ngalendoda. Futhi izindlela zabo zokubumba yomsebenzi ayikwazi kuphela kuthinte isimo sakho sempilo, kodwa futhi empilweni ngokomzimba. Uma awela kulesi simo, futhi zisongele abaqoqi, yini okufanele uyenze, siyowuqonda ngokwengeziwe.

Ulwazi imithetho - isikhali sakho

Abantu ababeka efanele wahlanganyela yokutakula izikweletu, wayevama ukulithatha izisulu zakhe unceremoniously. Ngokusongelwa ngobudlova, ubiza ngesikhathi izihlobo ebusuku kanye namanye amathuluzi kukhona abasizi babo.

Nokho, amandla abo, idatha Umbuso ecacile nomthetho. izihloko ahambisanayo ingatholakala RF uMthetho "Ngo umthengi credit", okuyinto chotkom zaveza ngalendoda kwesokudla. Ngakho, uma sisongelwa abaqoqi, ukuthi benzeni kulesi simo? Okokuqala funda incwadi yomthetho.

Ngokwesibonelo, kukhona umthetho ocacile elawula isikhathi lapho ungasiza ukubiza "racketeers": ngezinsuku zeviki kusukela 8:00 kuya 22:00, futhi ngezimpelasonto - kusuka 9:00 kuya 22:00.

Futhi uzinake ukuthi inhlangano eqoqa izikweleti possesses imithetho evamile ukuthi unezinye amafemu ezentengiselwano kanye nezinkampani. Lokhu kusho ukuthi noma yini ephambene nomthetho ukwenza kubo awukwazi. Ukuqonda lokhu kuzokusiza hhayi ucasuke uma abaqoqi kusongelwa. Kuthiwani uma besephula leyo mithetho?

Badinga ukuba amemezele ngesibindi ukuthi uhambe ngalé umthetho, ne umlilo ecacile kuya esihlokweni othize. Believe me, abangayilindele lokhu.

Noma yimuphi izinsongo awanakufundwa oshayiwe we Russian Federation

Akubalulekile ukuthi uvumelane futhi niqhubeke mayelana "ngokufunjathiswa nokuphamba." Ingabe ngalendoda kwesokudla ukwesabisa? Lutho neze. Kungakhathaliseki maye Kwakubonakala noma izwi ngalendoda, ukuthi akavumelekile ngokuqondile noma ngokungaqondile ukwesabisa kwakho.

Futhi yilokho kanye isikhali eyinhloko "ngokufunjathiswa nokuphamba." Izinsongo main ziyancipha yokuthi wena weluleka hhayi ukuhamba ebusuku ku ezizungezile amnyama uthutha izingane esikoleni ngesikhathi futhi off ekhaya izinto zikagesi.

Kulezo izitatimende, iqiniso liwukuthi izinsongo ezifihliwe:

• Esimweni sokuqala, esongela ukulimala;

• kule nguqulo yesibili salisikisela yokuthi izingane zingasizwa bathunjwe;

• esimweni lwesithathu sikhuluma wokhelwa kungenzeka.

Ngokungangabazeki, zonke lezi zinto can yimuphi umuntu ibhalansi. Kulokhu, kungenzeka abathelisi bajeza ngokuhambisana sihloko 163 Criminal Code, echaza izici impango nokuhuheka ngaphansi nokusongelwa ngobudlova noma ukulinyazwa kwempahla. Ilungiselelwe ngoba ejele iminyaka efinyelela ku 4 futhi ahlawuliswe ama-ruble ayizigidi ezingu-80.

Usongo ebuzwe isikhungo sezezimali

Uma ibhange lisabisa abaqoqi, thina ngeke siphile. Okokuqala, akukho emthethweni. Futhi okwesibili ukuzivocavoca operation abanekhono futhi esebenza kahle, usebenzisa abaqoqi angakwazi ukukhokhela akubona bonke amabhange.

Yiqiniso, kunengqondo ukuxazulula inkinga ekhulayo izikweletu ngokushesha, ukufinyelela esivumelwaneni nebhange ukuhlelwa kabusha eminye imalimboleko. Kulokhu, amathuba ukuthi ukuxhumana kwakho inhlangano yezimali kuziwa ukuqasha abaqoqi, ziyancipha kakhulu.

Nokho, uma ungakwazi ukuxoxisana ebhange amicably nawe abize futhi zisongele abaqoqi ubheke izinyathelo ezibalwe ngezansi. Ukuhlonipha la maphuzu kuyokusiza ukukhuluma "abaphangi" hhayi njengelivi abazingeli kodwa njengoba izisulu.

izenzo ezithile

Uma izinguquko ezazingase zibangele abaqoqi yinkantolo noma enye into, asikho isidingo sokuba netwetwe. Isinyathelo sokuqala ukuba baqonde indlela ezisithintayo ubuhlobo lakho lesikweletu nebhange.

Phela, umuntu esayina inkontileka loan ebhange, kunokuba nenkampani nokuqoqwa kwezikweletu. Ngakho-ke, khuluma nabo ngalokho inkampani abakubonisayo kuyini ukumangalela futhi kungasiphi isisekelo wena abeke kubo.

Kuye izimpendulo zabo Udinga ukukhetha ilungelo ucingo amacebo. Kungaba izindlela ezimbili ezahlukene. Okokuqala, uma ibhange kanye "abaphangi" yasayina isivumelwano ejensi. Okwesibili, uma ibhange ithengiswe inkampani yakho iqoqo loan.

Isivumelwano phakathi kwebhange abaqoqi

Esikhathini isimo kuqala, futhi banelungelo kuphela ukukushayela futhi kukukhumbuza izikweletu zakho ebhange. Azikho nemiphumela wezomthetho izingcingo ezinjalo azibona ngawe, ngisho noma abaqoqi zisengozini inkantolo, ngakho-ke kungenzeka abazi ngisho ukuphendula.

Uma uthola ucingo kusukela kunombolo engaziwa futhi uyaqaphela ukuthi lokhu ngalendoda, kuthiwa iyiphi izinkulumo kuzobonakala kuphela enkantolo, bese uvala ucingo. Ngokushesha engeza kule nombolo ukuze black uhlu ukuthi wayengasakwazi uhlupho nalo.

Ukubona ukuthi lingenyuswanga, noma uvimbele izinombolo zabo, ungaqala ukuthumela i-SMS lapho abaqoqi kuthiwa esesongelwa. Zingaba bemvelo ezahlukene. Ngokwesibonelo, kukhona ongakhetha:

• wena ithumele impendulo ithimba okusheshayo, sesilungile imizuzu engu-15 ukuvula umnyango;

• kusasa uzoba amafulethi ethengiswayo, sizokwenza nquma ukuthi singakanani ungawathengisa impahla yakho;

• uma ungafuni ukuba babe nezinkinga zempilo, bese ubuyela imali esikhathini esingaphansi kwesonto.

Zikhona nezinye, ibinzana luhlaza xaxa.

Umsebenti wabo - okwesabisa wena

Okwakushiwo konke lokhu okwesabisa wena ukudala ingcindezi zokuziphatha. Awudingi ukuba baphendule le miyalezo, uwugcine imiqulu yememori yefoni kanye ukuphrinta ephepheni ukuthi ungabona usuku inombolo kuyiphi bathunyelwa. Lokhu kuzokusiza enkantolo ukufakazela sokuphula umthetho ukuthi avunyelwe abathelisi ngokuhamba umsebenzi wabo.

Futhi uma beza endlini yakho bese knock emnyango, ngokushesha athinte amaphoyisa. Outfit amaphoyisa aqapha ngeke kuphole nentshiseko yabo. Ungesabi ngenxa yalesi senzo, ngoba loan yakho amaphoyisa nhlobo ukukhathazeka, futhi ngeke bakwazi ukwenza lutho. Kodwa nobuxhwanguxhwangu kamuva nge kokwehla ngempela onekhono.

Uma loan yakho ethengiswa abaqoqi

Uma ibhange, ukusula ibhalansi yakho, credit yakho zidayiselwe esikweletini iqoqo ejensi, izinto ziba kuyinkimbinkimbi kancane ngaphezulu. Phela, lo somabhizinisi ovunyelwe ukuba zitshele kuwe ukubuyisela izikweletu.

Nokho, amabhange musa unelungelo ukwenza kanjalo ne ababoleka yabo. Kulokhu, lapho ufuna ukuthi bayaphi, lapho esongelwa abaqoqi, kungcono ukukhetha ummeli osebenza ngamacala ezinjalo.

Ngokuvamile, ochwepheshe belulekwa ukuba ngokushesha akhononde izenzo ezinjalo. Ukubukeza idatha yomuntu siqu futhi libhala ukuvinjelwa ekucubunguleni kwabo bakwazi ekuqaleni Ukupholisa nentshiseko ka "ngokufunjathiswa nokuphamba."

Uyothola ibuye asiza ukwenza uma kwenzeka izinsongo maqondana izihlobo zakho abafanele izitatimende emaphoyiseni futhi ehhovisi lomshushisi.

Sahlulela

Okokuqala, ningatatazeli. Thola ukuthi ubani singumqashwa onibizela futhi izinkulumo mayelana izikweletu, cela indlela okuhlobana ngayo loan yakho.

Usebenza incwadi yomthetho, ethi abaqoqi mayelana nokwephulwa yabo. Uma kungasebenzi, bese uxhumane iziphathimandla ezifanele ukuthumela "abaphangi" amakhophi ezitatimende.

Kuyinto isikhalazo kuwufanele abameli ukubhekana nezindaba ezinjalo. Kubo Akunzima uyayidambisa kahle abaqoqi futhi ukuxoxisana kabusha izikweletu zakho ukuze kuncishiswe umthwalo ibhajethi yakho. Futhi, kunezimo lapho babekwazi ukubhala off ingxenye izikweletu sekwephuzile ngokuqondene ukuhlonza ukwephulwa ahlukahlukene yibhange.