I-Mission iyatholakala: kanjani ukuthi ungathatha kanjani izikweletu ngomlando wesikweletu esibi?

Uma kunqatshiwe, kunzima ukuxhumana namabhange esikhathini esizayo. Uma kunesidingo sokuthatha imali emalimboleko ngomlando wesikweletu esingalungile, kuzomele kwenziwe imizamo enkulu kunalokho uma kunesipiliyoni esihle sokuboleka.

Iminyaka eminingana, konke ukuthengiselana nezikhungo zezezimali kuye kwabalwa kwi-database eyodwa yezwe, ihhovisi lomlando wesikweletu, ngakho-ke uma ngabe unecala futhi uvumele ukwehluleka kwemalimboleko kwelinye lamabhange ezweni, zonke ezinye izinhlangano zingathola kalula ngakho. Noma kunjalo, kusengenzeka ukuthola imali ngomlando wesikweletu esibi .

Kunezindlela ezintathu eziyinhloko zokuzungeze isimo sezinkinga:

• Thola umbolekisi ongenandaba nesikhathi sakho esidlule nhlobo, futhi akaceli isikhwama sesikweletu;
• Thola umbolekisi olungele ukuphazamisa izono zakho;
• Qinisekisa umbolekisi ongenakho ukuthi ngalesi sikhathi ngeke uvumeleke phansi, ngeke uphule imigomo yesivumelwano somboleko.

Umboleki ongenandaba

Indlela elula yokuthola inketho yilapho umlando wakho wesikolodo ungadlali indima. Imalimboleko ngomlando wesikweletu embi ikhishwa yizikhungo eziningana zezimali ezincane, ngoba abanesithakazelo ekuhlangenwe nakho kwakho kwangaphambili kokuboleka kwezinye izikhungo. Kubathengi abanjalo bangabonakaliswa yinkampani "Imali yasekhaya" noma i- "MigCredit", "Nano-Finance" noma "i-Monet."

Yiqiniso, izindleko zokuboleka kulabo abathintekayo abangekho esikhathini esedlule zizophakama kakhulu uma uxhumana nebhange, kodwa ngokwabo ubungozi bacela imali efanele. Izinga lalawo ma-microloan afinyelelekayo angafinyelela ku-1-2% ngosuku.

Ukuqonda umkweletu

Kukhona nezakhiwo zebhange ezinokwethenjelwa ezihlinzeka ngemalimboleko ngomlando wesikweletu esibi, okubandakanya amabhange we-Tinkoff, i-OTP, i-Otkrytie, isikweletu saseKhaya , i-Renaissance Credit , i-Russian Standard. Bonke bavuma ukuthi kukhona ukulibaziseka okudlule nezinkinga ezincane ngokukhokhwa kwezibopho. Kodwa-ke, uma wenza ubugebengu obunzima emkhakheni wezezimali, iminyango yabo izovalwa phambi kwakho. Izindleko zenzalo kumalimboleko avela kula mabhange zingadlulela ku-30-50% ngonyaka, kepha lokhu kusamukeleka nakakhulu.

Umbolekisi ohlakaniphile

Umboleko ngemlando wesikolodo esingalungile kungathathwa lapho ibhange linikeza iziqinisekiso ezengeziwe zokubuyisela imali. Ukufaka isicelo semali mboleko kunoma yiliphi ibhange, unamathisela kuyo iphakheji enkulu lamadokhumenti
Futhi izitifiketi eziqinisekisa ukuxazululwa kwe-solvency yakho yamanje, futhi futhi unikezela ngemali yokubambisana - ibheyili, isibambiso, umshuwalense noma ezinye izindlela zokuvikela ibhange ekulahlekelweni kwemali.

Kungcono kakhulu ukuzolalisa ibhange ngokubhaliswa kwezindlu njengamasheya, khona-ke kuyokwenzeka ukuboleka imali enkulu isikhathi eside kanye nesithakazelo esincane semali engu-15-20% ngonyaka, futhi ukukhokhwa ngokwezimali ngaphezulu kwemali mboleko kuyoba yinto encane. Izimali ezibolekayo ezincane ngebheyili, kodwa ukuheha isihlobo noma ukukhokha kuzokhokha kuzovumela ukusebenzisa izimali ezibolekwe ngo-20-25% ngonyaka, noma ngabe wena ngokwakho awukhuthazi ukuzethemba ebhange. Into esemqoka ukungaqiniseki kwe-guarantor.

Ngakho-ke, ikhono lokuthatha imali mboleko ngomlando wesikweletu embi likhona, futhi kuwe kuwe ukuthi kuyoba nenzuzo kangakanani kuwe. Khetha inketho elula kunazo zonke futhi ubolekise inani elifanele.