I-Home Credit Bank - ukubuyekezwa kwamakhasimende

Uhlelo lwezikweletu ezweni lethu seliye lasakazeka. Ngokuvamile, ngaphambi kokwenza ukuthengwa okukhulu, abantu bafaka isikweletu kubathengi ngezikhungo zebhange. Kunezici eziningana ezicatshangelwayo: izinga lesithakazelo ebhange elisungulayo, kanye nokwethembeka kwalo kanye nedumela elimisiwe emakethe yezezimali, uma isikhungo sesisebenzise isikhathi eside. Ngakho-ke, kubaluleke kakhulu ukutadisha impendulo yabasebenzi namakhasimende, okusho, isibonelo, isikweletu sasekhaya saseBhange, ukubuyekezwa Mayelana nezinsizakalo zakhe nomsebenzi.

Umlando weKhredithi yasekhaya yaseBhange

Ngo-1990, ibhange elithi "Technopolis" labhaliswe emzini waseZelenograd. Ngonyaka we-2002, itholakala yi-Home Credit Finance AS kusukela eCzech Republic nasebhange langena kwiKhaya lokuThengwa kweKhaya. Ngonyaka owodwa wathola igama elaziwa kakade - iBhange Lezikweletu Nezezimali. Inqubomgomo yalesi sikhungo isibekwe phambili ekubolekeni kwabathengi. Ibhange linamagatsha ayisithupha, liqashwa abasebenzi abangaphezu kwamashumi amabili nambili, kanti amakhasimende ayo angabantu abayizigidi ezingamashumi amabili nane. Izitolo eziyizinkulungwane ezingamashumi ayisihlanu nesishiyagalombili zingabalingani bebhange. Ngakho-ke, i-Home Credit Bank, okubuyekezwa kwayo okwenza lokhu kuhloswe, ihlose ukwenza yonke imisebenzi yayo, ngokuyinhloko ikhokhelwe umphakathi.

Njengoba kwenzeka njalo, i-Home Bank Bank yenza izimpendulo ezixubile. Kukhona ukugxeka okubukhali ekhelini lakhe, kodwa kunezibuyekezo ezinhle. Cabanga konke ngokuhlelekile. Amakhasimende abenza imali yokuthenga (izindlu zasendlini, izimoto, njll), avame ukukhononda ngokuthi ibhange lithatha ukukhokhwa ngokweqile kakhulu. Yebo, kunzima ukungavumelani nalokhu. Kodwa ngokuvamile kaningi kunezinketho lapho ulungiselela imali. Isibonelo, iBhange Lesikweletu saseKhaya , okubukezwa kwalo okungaqondakali, kuguquguquka kakhulu ngokwemibandela yokubolekisa. Amakhasimende anethuba lokubolekisa isikhathi esifushane, abuyisele ngaphambili, akhokhe imali enkulu yokukhokha. Abasebenzi bebhange bayeluleka ukuba banakekele ngokucophelela amasevisi ebhange futhi kusengaphambili bachaze amashejuli okukhokha, isilinganiso senzalo, ikhomishini, umshuwalense. Kusukela enkonzweni yokugcina iklayenti inelungelo lokulahla. Ngokuvamile, ukuthukuthela phakathi kwabathengi bezinsizakalo zebhange kubonakala ngenxa yokwehluleka kwabo lapho betadisha amadokhumenti esikweletu noma bengakwazi ukwenza izibalo.

Ukubuyekeza kwamakhasimende mayelana neBhange Lesikweletu Ekhaya

Ukufunda ukubuyekezwa mayelana neKhansela laseKhaya laseBhange, kungaphawulwa ukuthi amakhasimende anelisekile ngensizakalo, abiza abasebenzi abachwepheshe abakhulu, futhi umkhathi okhona kulesi sikhungo unobungane futhi unobusa ngentando yeningi. Abasebenzi ekugcineni amaklayenti ngokuningiliziwe nokucacile bachaze imithetho yokubhalisa nokukhokhwa kwemali mboleko. Amakhasimende abelana ngokuhlangenwe nakho kwabo okuhle ebhange. Bakhuluma ngokulula kokugcwalisa idiphozi ngokusebenzisa opharetha basebhange, okukhona ukuphela kwesigcawu se-electronics.

Kumakhasimende, ibhange linikeza amakhadi esikweletu namakhadi. Ungakwazi ukugcwalisa i-akhawunti noma ukuhoxisa inzalo kusuka kwidiphozithi ngokusebenzisa ama-terminal terminals. Amakhasimende angathola njalo emisebenzini yasebhange imboleko enjalo, efanelekile ngezinhloso zawo. Abanye bakhanga isithakazelo esikhulu kakhulu kwidiphozi, ngaphezu kwalokho, bayabhekwa ngabashuwalense. Uma uthola ikhadi lesikweletu kusukela ebhange, akudingeki ukhokhe imali yokusebenzela. Ngenxa yamasevisi ayo, ukubuyekezwa kweKredithi yaseKhaya kuhle. Amakhasimende akakwazi ukungabaza ukuthembeka kwawo. Ngaphezu kwalokho, kusukela ekuphenduleni okuhle ebhange elikubizayo, singakwazi ukuqaphela ukusebenza kahle komsebenzi wayo. Ngokuphathelene nokufaka imali, ibhange libeka amanani entengo ephakeme, amakhasimende amaningi avumelana ngalokhu. Ukuze uthole imali mboleko, kwanele ukuvuma ngocingo, amadokhumenti adingekayo akhiwe ebhange ngokwayo. Ngaphandle kokubolekisa, ibhange livumela amakhasimende ayo ukuba athumele imali, futhi athole impendulo enhle evela kubathengi bamasevisi ebhange.

Ngakho-ke, ukubuyekezwa kweBhanki yaseKhangele yaseBhange akuqoqi nje kuphela okubalulekile, kodwa futhi nakho okuningi okuhle, lapho abantu beveza ukwaneliseka kwabo ngemisebenzi yakhe. Amakhasimende afana nokuthi ibhange linikeza izindlela ezahlukene zokubuyiselwa imali, okwenza kube lula ukusebenza nayo.