Amafomu eyinhloko esikweletu izici zabo

amafomu credit - lezi iziphiwo zomusa ezahlukeneyo ukubolekisa, ngezigaba Kwenziwa ngemibandela eziningana eziyisisekelo. Omunye nenqubo Ukufaka esikalini lent kwinani lapho ukubolekisa zingahlukaniswa zibe izinhlobo ezintathu: imali, ukuhweba okuxubile. Njengoba kuqala emlandweni abakweletwayo isihloko nge izinsalela abalulekile impahla, izimali ezibolekiwe lokuqala engunyaza ngesimo umkhiqizo othize e hlobo. Lapho okweletayo lezimpahla isikweletu kancane kancane phindisela izindleko izimpahla imali, futhi kuphela ngemva kokuba ulindele ukubuyiselwa yona iphelele baba impahla yakhe.

Ngo Emazweni asathuthuka, amafomu okuxubile wesikweletu avame ukusetshenziswa manje, uma lokhu isikweletu uvamise ukunikwa ngokheshi kanye ikhokhelwa ngokuhlinzekwa izimpahla ukuze leli nani ikhumbula enqwabelene inzalo ukuboleka. Nokho, iminotho athuthukile efana ezihlukahlukene ukubolekisa eside limane lifakwe esedlule, futhi kwathathelwa indawo ubudlelwano yemali. Uma ucabangela uhlobo main wesikweletu, ungakhetha loans zakudala ezingenziwanga ubunjalo enana kanye ukuhweba ubudlelwane. Ngaphansi kwalezi ukubolekisa umboleki enikeziwe izimali itholakala kuphela, okuyiwona yena uthola imikhiqizo ilungelo, impahla, izitshalo kanye nempahla, imishini ezokuthutha.

credit commercial

Izindlela zanamuhla esikweletu izici ngokuyinhloko ezihambisana ngenhloso yokuthola loan, kanye inhlangano enikezela loan. Uma lezi ukuthengiselana ehilela akukho amabhange nezinye izikhungo zezimali, futhi izinhlangano kwezohwebo, ngoba kucutshungulwa izikweletu kuthengiselana zivame kakhulu asetshenziswa. Lokhu credit libizwa ukuhweba noma ibhizinisi, futhi injongo eyinhloko ye ezihlukahlukene loan amadili amaqembu ukusheshisa inqubo umkhiqizo yokuthengisa futhi wenze inzuzo ngokushesha. Njengamanje, emazweni athuthukile, esikhundleni izikweletu ngokuvamile isebenzisa inkontileka eyejwayelekile phakathi umthengi kanye umphakeli, elawula ngokucacile inqubo yokukhokha kwezimpahla ithengiswe.

uhulumeni credit

Letinhlobo ikhredithi, loan isimo, ukuhlinzekela ukubamba iqhaza kuthengiselana iziphathimandla, esikhundleni ukonga siqu izakhamuzi noma izinhlangano ezingokomthetho ezikhwameni izikweletu zinikezwa kusukela isabelomali. Ngokuvamile, le mali idluliselwe ngokusebenzisa Central Bank noma ngokusebenzisa izikhungo ukuhweba ngemali, uma uxhaso ukuze kuqalise ukusebenza ubuholi wezwe idonse izimali kwezinye izikhungo.

credit ngamazwe

Uma umboleki kanye umbolekisi abahlala yezifunda ezihlukahlukene, ingxabano phakathi kwabo credit ubudlelwano athathe isimo loans ngamazwe. Ezimweni lapho umangali kuthengiselana kukhona abamele IMF kanye neziphathimandla zezwe, ukuthatha izimali izikweletu, ngaphansi kokunikezwa isikweletu kuphela yimali, futhi kwelinye zezimali neyaziwayo emhlabeni. Ngo ukuthengiselana phakathi kwabahlali ahlukene, injongo okuyinto ukuze bafeze imisebenzi namanye amazwe, loan ngokuvamile lutholakale ngesimo impahla, futhi uhlobo credit kwezohwebo ukuze ongenisa.

credit Civil

Manje amafomu civil wesikweletu asetshenziswa avame, zingabantu uhlamvu usurious futhi zihlukaniswe ukubolekisa ezimbonini kanye umthengi. Lezi zilwane lokuqala izinhlangano kuthengiselana loan amabhange kanye abantu zomthetho, njengoba okweletayo uthola imali esetshenziselwe amafa fixed kanye kokusebenza. ukubolekisa Umthengi zenzelwe abantu abafuna ukuthenga umkhiqizo othize noma ukuxazulula izinkinga zabo zesikhashana zezimali. Ngokuvamile, lezi loans kungenziwa ekhishwe ukheshe noma amasheke idlulisela izimali ngokuzimela Trade Organization, lapho umboleki ozuza ezidayiswayo.