Indlela ukuthatha ngesikweletu?

Ukubolekwa kwemali zithandwa kakhulu ezweni lethu, futhi mhlawumbe emhlabeni. Phela, abantu abaningi wonge imali ongazi ukuthi kungenwa kanjani, noma unga, kodwa ufuna ukuthola le nto njengamanje. Njengamanje, loan kungathatha noma yini oyifunayo, nezingcingo, nemoto futhi efulethini. Ngeshwa, akuyona yonke ababeyizazi bonke butholakala enqubweni eyinkimbinkimbi yokuthela esikweletu ngenxa lokhu kuwa ku imali eningi ukuthi kunikezwa ebhange ocebile kakade. Ukuze kahle athathe isikweletu udinga kancane ukuqonda yonke butholakala enqubweni eyinkimbinkimbi yokuthela credit, kabasi kangaka.

Zonke amabhange, kunezindlela eziningi tariff izinhlelo: high-isivuno, abahola kancane futhi losemkhatsini. umsebenzi Bank, ne yokubhaliswa udumo, njalo ubheka umuntu wabe ubizwa ukuzama ukuphoqelela ngesilinganiso inzuzo. Bank umsebenzi iholo incike loan evumayo, uma imalimboleko kuyoba inzuzo ebhange, yasebhange umsebenzi, okwenza out loan, uthole ikhomishana ezinhle, futhi uma uzokhipha izinga iholo eliphansi, ibhange uzothola kancane futhi cishe akusebenzanga. On bavezelwe amathekniki ahlukahlukeneko, kuye ngokuthi ingozi izimpahla isithakazelo yayo phezu ngokweqile. Isibonelo, uma uthatha boleko imishini computer, cishe ukuthi yonke imali ababeyitholile ngokweqile kuyoba ngezansi 26%. Okungenani edolobheni lethu, angizange ngimbone Ezimweni ezinjalo.

Abantu abaningi bakhangwa loan ngaphandle inkokhelo phansi. Kunoma ikuphi awukwazi athathe isikweletu ebhange ngaphansi kwezimo ezinjalo. Ukukhokha okweqile lapho uthola uyahlanya, hhayi kuphela ngoba inani lesikweletu mkhulu futhi maningi ngokweqile, kodwa futhi ngoba yasebhange ingozi uyanda nale esikweletu kwengozi kubeka ku izindleko zesikweletu. Lapho ematfuba ukwehluleka ubuye lapha.

Akufanele neze futhi bazishaye isifuba ngokuthi igama, ezifana "10-10-10". Lezi zibalo kusho ukuthi inkokhelo yokuqala 10 amaphesenti, loan esithathwayo izinyanga 10, kanye ngokweqile kuyinto angu-10. Ningakholwa. Azobonakala imali udinga ukukhokha inyanga ngayinye, kodwa uma abale izindleko overpayments umshini wokubala ngeke kube-10%, kodwa, isibonelo, 30-40 noma 50%. ngokweqile Iningi lisuselwa yokuthi kusekhona into ezifana umshwalense futhi lokhu umshwalense kuwufanele imali. Empeleni, uma uthatha utho ulingana lenkulungwane 20. Ruble leli cebo tariff, le ngokweqile kuyoba ayizinkulungwane 2. Ruble, futhi umshwalense izobiza ruble 5-6, futhi ngezinye izikhathi 8 th. Ruble. Ngakho, ngaphambi kokuba usayine isivumelwano sesikweletu, ubambe ifoni, vula wokubala ukubala, wenze isilima yini noma cha.

Bengilokhu silungisa amakhompyutha, futhi ngezinye izikhathi mina ukusiza abantu ukuthenga amakhompyutha, abanye amakhasimende futhi bazishaye isifuba. Izikhathi eziningi kwaba ukuthi ubuza ukukhipha adunyiswe plan onjalo tariff nge ngokweqile of 26%. Izikhathi eziningana babuza: Ucabanga ngokuqinisekile, futhi ngokweqile kuyoba 26% bathi. Futhi lapho phezu wokubala uqobo zizobalwa, kuvela ukuthi 26%, kanye 36% noma ngaphezulu. Ngakho ungalokothi uthemba abasebenzi yasebhange futhi senze konke sesheke wokubala, okuyinto ngazo zonke ifoni.

Ngokulandela lokhu imithetho nolwazi lezi umehluko wemisindo nemiqondo yamagama kuyokusiza ugcine imali yakho kanzima.