Indlela yokwenza ukubolekisa ngaphandle ukwehluleka?

Cabanga isimo: wena woza ebhange ukuthola loan ukukhokhela ukuthenga eside elindelwe noma ezinye izindleko ezingalindelekile. Kungazelelwe uza nokwenqaba. Yiqiniso, wena bamangala ezikunengayo. imizwa okunjalo kuyaqondakala, ngoba kubuhlungu anqatshelwe loan. Ukuze wenze lokhu, zikhona izizathu ezithize. Ake sibone ukuthi zikhona ukubolekisa ngaphandle ukwehluleka, kungani ibhange alile credits futhi kungenziwa ngandlela-thile ugweme ukusabela kabi?

Kwezinye izimo, ibhange lenza isinqumo omuhle loan?

1. Credit umlando. Uma uke waba loans efanayo noma kwelinye ibhange, sewenze izinkokhelo ezidingekayo ngesikhathi, uzothola ukwamukelwa ngokuphazima kweso. Kungenjalo, amathuba ukwamukelwa kuyoba encane kakhulu.

2. Amaphuzu. Nale nqubo, ibhange kulinganiselwa solvency yekhasimende. Njengoba umkhuba ubonisa, ivese yenza isinqumo enikezelwe loan othile umuntu esekelwe umthamo kwemininingwane, okuyinto kumele bucaciswe lemibuzo. Ukuze uthathe imalimboleko ngaphandle ukwehluleka, kudinga indlela ngaphansi kwazo zonke izimo eBhange. nomthelela obalulekile isinqumo ibhange ukunikezela ubudala bakho, isimo somshado, indawo yokuhlala, ukuzinza kwezimali nokunye.

Yiziphi izizathu ebhange ungenqaba loan?

1. inkokhelo Amancane. Konke kuncike hhayi kuphela emalini yeholo, kodwa futhi nekhono lakho ubufakazi obubhalwe zonke izamba. Lokhu kudinga ukuba uthole umsebenzi kanye engenayo olusemthethweni. Yiqiniso, zikhona ezinye amabhange ukuthi imalimboleko banikwa ngaphandle inkomba. Kodwa endabeni ka-isinqumo esihle, uyoba ukhokhe inzalo enkulu futhi, ngokunjalo, ngokweqile ziyoba ngaphezulu. Kodwa kukhona futhi inzuzo. Ungathola loan eside ngaphandle kokunikeza kuphela iphasiphothi.

2. Ezingashayi idatha ku isicelo ifomu. Thola isinqumo omubi ukunikeza loan kungenzeka kwenzeka lokho ozama ukufihla ezinye idatha kusuka ebhange. Ngokwesibonelo, ukutholakala ukubolekisa kanye nezikweletu kwamanye amabhange. Abanye abantu ngezinye izikhathi izitifiketi mbumbulu imibhalo. Izenzo ezinjalo ngokuvamile kakhulu akunakwenzeka umane ukunciphisa amathuba ukwamukelwa imalimboleko, kodwa futhi bawe ngaphansi necala lobugebengu ngenxa yokwephula umthetho.
3. Ubudala umboleki. Ithuba enkulu loan, kunabantu ku yobudala emaphakathi. Cishe, intsha kanye nabahola impesheni iyawumphika loan. Nakuba abanye amabhange bamagange njengokukwethembisa kwakhe, utsheleke abantu umhlalaphansi.
4. Ukungabi sokubhalisa. Iningi kwamabhange ngobuqotho iphathelene ukuhlinzekwa imali nge yokubhalisa saziso. Kuyinto efiselekayo jikelele, ukuthi kwakuwukuphela kwendawo indawo langempela le-igatsha lasebhange. Kodwa leli qiniso akusho babheka ngamunye isikhungo sezezimali. Ngakho-ke, esinamandla, ungathola loan manjalo ngaphandle ukwehluleka futhi ngaphandle endaweni ehlala njalo lapho uhlala khona.

Ngakho, uma phakathi kwabo bonke ababengena izinto ungene ngaphansi eziningana ke uthole imvume loan kuyoba nzima kakhulu. Kodwa ungakhohlwa ukuthi akukho okwahlula alikho. Into esemqoka - ukuze uhlole zonke izidingo ebhange ngaphambi kokuthumela isicelo. Uma wenqaba kwelinye ibhange, akudingekile ukuthi bonke abanye nawe uthole isinqumo ezimbi.

Kanjani ukwehluleka umlando ngesikweletu?

Okokuqala, ubuyekeze imininingwane umlando wakho wokuthenga ngesikweleti,. Uma unomuzwa wokuthi une ngaphambili ne Bank kungaqali ingxabano, ke inhlangano yezimali ngalokhu kungaba ngempela ukuba nombono ohlukile. Ngokwesibonelo, kungase kube izimali ngephutha ohlwini, lapho ngokuvamile buthule, noma izimo ezifanayo.

izinkinga abaningi banekhono elihle umboleki khona ngenxa Umlando wokukhokha kwemali. Awusoze wazi nanini ukuthi kusengaphambili, njengoba kungase kube nomthelela esihle abayitoho noma ukubambezeleka yesikhathi esisodwa. Ngenxa yalesi sizathu, kubalulekile ukuba ulwazi isimo Umlando wokukhokha kwemali.

Akuyona imfihlo ukuthi iningi ababoleka uqiniseka ukuthi ungumnikazi ngokugcwele ulwazi mayelana nomlando wayo. Kodwa abantu bangakhohlwa ezinye izinto kancane, bonke ukubambezeleka noma izinhlawulo lapho cabanga abangelutho. Kodwa amabhange sizoxoxa ngisho ukubambezeleka ezincane kunazo zonke ukwephulwa okukhulu.

Ngokwesibonelo, amakhasimende ngezinye izikhathi benza amaphutha futhi uthathe ukukhokhelwa penultimate zokugcina, yingakho ukubambezeleka siqala ukuvela. Ngisho lapho elungisa amaphutha anjalo esikhathini esizayo, ngeke ngempela nethonya elihle ku-umlando esikweletu loan kungenziwa wenqaba.

Kwakuzokwenziwa inqatshelwe ngesikweletu?

Ukuze uthole ukubolekisa ngaphandle ukwehluleka, kufanele wazi ukuthi kwenqatshwa kusekelwe ulwazi kusuka Umlando wokukhokha kwemali. He is zezinhlobo ezimbili:

- Inhloso - kwenzeka esimweni lapho umlando credit singahlangabezani nezimo kudingeka empeleni.

- subjective - kulapho umlando credit isesimweni esihle, kodwa ngasizathu simbe akusiyo aneliseke isisebenzi sasebhange.

Ngingathola loan ngaphandle kokudinga Umlando wokukhokha kwemali?

Kuze kube manje, ukuthola loan ekhadini ngaphandle ukwehluleka ngaphandle kokudinga umlando Ikhredithi abasebenzi cishe akunakwenzeka. Ukwaziswa okunjalo ufundwa abaphathi kwasekuqaleni. Ngisho ne ezingeni lelisetulu imali, khona ingcebo nempahla ayesengayigcina ukufinyelela isinqumo engemihle ebhange.

Iziphi ezinye zezindlela ungathola umlando credit kukhona?

Wonke umuntu ufuna ukuthola loan manjalo ngaphandle Ukuyeka iwashi, kodwa ngaphambi kokwenza kanjalo-ke kubalulekile ukwazi lapho ungathola umlando wakho wokuthenga ngesikweleti,. Funda it can ngokuthumela isicelo kukhathalogu Central Credit Histories. Thola imibiko enjalo kungaba esingenamkhawulo izikhathi. Lo mbiko iza zingakapheli izinsuku eziyishumi. It kungenziwa enikeziwe esinge elektroniki namkha ngomhlobo ephepheni. Bank of Russia iwebhusayithi uma ufaka ikhodi siqu ikuvumela ukuba ubone umlando wakho wokuthenga ngesikweleti,. Le khodi ingatholakala uma uqala ukungena esivumelwaneni sokubolekwa imali. Kodwa akubona bonke abaphathi ukuthi kungase kudingeke esikhathini esizayo, futhi ngenxa yaleso sizathu ukuthole ngokwakho kuyoba nzima kakhulu.

Credit card njengoba loan ekhadini ngaphandle ukwehluleka

Wonke umuntu ufuna ukuya ebhange futhi ngokushesha abe ngumnikazi lesikweletu nge umkhawulo eyanele ukuthwala zigqila wakhulelwa. ebhange ngaphandle ukwehluleka azitholakali kuwo wonke umuntu. Kodwa kukhona credit izikhungo lapho izidingo abaqotho kakhulu kunabanye. Eyodwa yezindlela esheshayo yokuthola ukubolekwa imali ukufunda nezidingo yisikhungo sezinhlangano eziphambili zezezimali. On website yabo esemthethweni ungakwazi ugcwalise isicelo ifomu ku-intanethi futhi musa ukuchitha isikhathi ngokuya amabhange. Ngakho-ke angaphendula eyodwa, futhi ngezinye izikhathi izikhungo eziningana.

izikhungo microfinance

Ngisho ukubolekisa ngaphandle ukwehluleka olunikezwa izinkampani elikhiphe nengcosana yazo ukuze izikhawu ezimfushane. Njengomthetho, lawa izikhungo ezincane zezimali, izimali, ehlanganisa idiphozi zabanikazi abafanele. Kulezi izikhungo wena cishe uthole kuchithwa, kodwa qiniseka uzilungiselele yokuthi zenzalo kuyoba kancane kunaleyo ebhange. Lokhu kuyaqondakala, ngoba ngaleyo ndlela inkampani ukuthathelwa umshuwalense ngokumelene kungenzeka ukulahlekelwa. Ngiyavuma, kunengqondo: ukwenza izindleko amasevisi ezibizayo, njengoba awakhiphayo neqoqo ezahlukene kwemibhalo kanye nesikhathi isicelo.

Wena ubuye akufanele bathembele esiningi ukubolekisa, kusukela inzuzo eyinhloko nezinhlangano ezifana ijubane nokuba lula imali. Zivame ekhishwe ngosuku nokufakwa. Akuyona imfuneko ukuqoqa isethi enkulu imibhalo labetibambile izingxoxo ehlukahlukene ulinde izinsuku ezimbalwa. Kungenxa yalesi sizathu, uma izimali kudingeka ngokushesha, lena indlela engcono kakhulu ngaphandle.