Ingabe umlando yezikweletu kuthinta loan futhi ukuthi ngempela kube zaeschikom ezisekelwe kunembeza?

Nge welithi "Umlando wokukhokha kwemali" namuhla kumelwe abe ajwayelekile ngisho nakulabo bayizakhamuzi uke ngibe ababoleka yisikhungo sezinhlangano eziphambili zezezimali. Kodwa akubona bonke abantu uyaqonda okushiwo kulo mqondo, futhi ngenxa yalokho, ezweni manje bese, zikhona izimpawu zesimo sengqondo esingafanele esichitha kwezibopho yemali. Ingabe Umlando wokukhokha kwemali ukuthola loan? Thina ukubhekana nale nkinga unomphela.

Uyini umlando esikweletu-credit bureau

Okokuqala sidinga yokuqonda lokho okushiwo yinkulumo welithi "umlando umboleki." Ochwepheshe ukuthi cishe kwesigamu sabantu abaye balizwa eside, hhayi kanye, kodwa ningaqondi injongo ukhona.

Credit umlando - idatha ehlelekile phezu iklayenti asebhange, owake yakhetha credit. Basebentisa idatha leniketiwe Igama lo muntu obolekayo, oxhumana nabo zakhe, idokhumenti izinombolo kanye olunye ulwazi lomuntu siqu kanye ulwazi mayelana nesikhathi izinkokhelo ku loan.

Idatha eyenziwe njengoba ikhadi siqu, idluliselwe ebhange esikhungweni ezikhethekile - National Bureau of Credit Histories. NBCH umsebenzi - ukugcina lokhu kwazisa bese wenza izinguquko ezisheshayo uma ngabe ulwazi olusha kusukela yomuntu obolekisayo. Yonke idatha wathola ngesikhathi esisodwa noma esinye, kuthiwa zanqwabelana futhi ayatholakala eyicela ebhange noma umboleki.

Izinhlobo Credit Histories

Ngaphambi ezibuza ukuthi umlando yezikweletu kuthinta loan, kuwufanele uphenyo izinhlobo izindaba umboleki. Ngokuphambene nalokho okukholelwa yiningi, umlando credit akuyona ihlukaniswe 2 izinhlobo - emihle nemibi, futhi abantu abaningi kangangokuthi abane.

1. Excellent credit umlando - idatha mayelana obolekayo, okuyinto singenziwa ukubambezeleka olulodwa ukubolekisa, kokubili zamanje futhi kungacimi. Lokhu amaklayenti - iyisibusiso for the isikhungo sezezimali. Amabhange bazimisele ukunikeza loan efanayo ngaphandle imibuzo umboleki futhi ngesilinganiso esingafani encishisiwe, njengoba kuqinisekisa ingozi ubuncane ezizenzakalelayo izikweletu.

2. lesikweletu elihle umlando - liphinde kukho okuhle ngokuba isikhungo sezimali. Lokhu kusho ukuthi abantu abavunyelwe yesikhathi esisodwa noma amatshe ngezikhathi ezithile izitolimende ngenxa yesizathu esisodwa noma eziningana izinsuku. Ngokwesibonelo, kwezinye izinhlangano kungase hlonishwa njengomphakathi bacabange umboleki Fide loan sekwephuzile ukubuyiswa kwemali kunoma yiliphi ibhangi kuze kuphele inyanga.

3. ezilimele Umlando wokukhokha kwemali. Ukubambezeleka, okuyinto luthatha izinsuku 5-6 noma ngaphezulu, futhi kukhona njalo - ke kuba yisikhathi sokungabaza noma iyiphi ebhange. Kwamanye yisikhungo sezinhlangano eziphambili zezezimali ikakhulukazi afune izinto ngenkani kwabanye ezocatshangelwa umlando kungcoliswe ka umboleki, njengoba ayephethe Ukweqa izitolimende isikhathi 1 kuya ku-30 izinsuku isikweletu isikhokhwe ngokugcwele ngesikhathi.

4. Umlando wokukhokha kwemali Bad - lena inketho ukunganakwa impela. Lezi zihlanganisa loans ezimbi, okuyinto ibhange ilungele uthumele besithathu, okungukuthi eqoqweni ejensi. Njengomthetho, isikweletu neyaziwayo esingenathemba uma uke wangaba khona eside inkokhelo izinsuku ezingu-90. Umbuzo yokuthola loan kulokhu ngeke kukusize ngalutho-ke - kungcono nje engenakwenzeka.

Kungenzeka yini ukuba uthole imali-mboleko kanye credit umlando ezilimele?

Ngokomthetho ungathola loan futhi lo muntu obolekayo iphutha ngokuphuza umuthi. NBCH has neminye iminyango eminingana, ngakho lwazi njalo olusha ngokushesha futhi ngokugcwele. Ngakho, kukhona izimo lapho umuntu ayemkweleta iqaphela akubona bonke amaphutha bezikhali umboleki.

Ingabe umlando yezikweletu kuthinta loan ukuthenga imoto noma ifulethi, uma lo muntu obolekayo yaziwa njengenye ukhetha iphela emasini? Yiqiniso, izimo ezinjalo sibalela sekwenza ngesheke yasebhange noma ukunganaki idatha NBCH akudingekile. Nokuthathelwa nemalimboleko auto - yemisebenzi emikhulu zezimali, futhi isimo somnotho samanje, amabhange cishe ukuya Entweni enkulu kangako enjengokufa.

Onika ayeyiboleke ababoleka ngomlando angcolile?

Ngezinye izikhathi ibhange ngamabomu uya ukubhekana ababoleka abonakele, noma ziyefana udonsa loan ngaphandle kokuhlola Umlando wokukhokha kwemali. Lokhu kwenzeka uma inhlangano yezimali unesithakazelo nokugqugquzela imisebenzi emisha futhi inikeza esincane noma iyiphi futhi wonke amakhasimende. Zenzalo nezinye izimo ezimweni ezinjalo awacatshangwa inzuzo kakhulu.

Lokhu kwenzeka lapho uvula ebhange elisha. Emzamweni ukudala ikhasimende base qotho umbolekisi kusebenza wonke umuntu owenza isicelo semali yosizo, ngaphandle kokubuka ngesikhathi kungenzeka izono ezidlule.

Ezinye izakhamuzi in the search esikhungweni sezimali ezokwenza abambisane amaklayenti abonakele, banake loans. Credit umlando MFIs akubalulekile, kodwa liyakwazi ukubuyisela nezingozi okuzenzakalelayo extortionate inzalo engako, futhi wemisebenzi. Ngaphezu kwalokho, lezi ababolekisi ezibhekwa lulwimi zomthetho, futhi ngezinye izikhathi zingabantu imikhonyovu.

Ukuntuleka kokukhulumisana Umlando wokukhokha kwemali - ingabe okuhle?

It kuvela ukuthi ithonya isinqumo ibhange angeke kuphela spoilt noma omuhle Umlando wokukhokha kwemali, kodwa futhi ukungezwakali kwawo. Uma lo muntu obolekayo esizayo neze ngaphambili yakhelwe credits futhi musa ukwenza izinkokhelo, ngisho khona yokuqinisekisa imali ayikwazi njengesithiyo yisiboniso umthwalo walo nokukhuthala. Libuye okuyingozi ngoba iklayenti ebhange.

Ngakho ngokuvamile ngenxa yokuntuleka kwezinhlelo ezibanzi BKI credit umlando kungaba okunqumayo ngokwehluleka. Yini okumelwe uyenze? Ochwepheshe ukweluleka ukuqala ekwakheni umlando. Ukuze wenze lokhu, beka loan encane ngaphandle izitifiketi. nezidingo zamakhasimende isokhethi yasebhange okuqinisekisiwe hhayi owamelana.

Ekuphetheni

Ingabe Umlando wokukhokha kwemali ukuthola loan? Yiqiniso! Kodwa iqiniso liwukuthi ezithinta isiphetho umboleki yomlando walo can kokubili izinto ezakhayo omubi. abantu abazihluphayo anelungelo ukwethembeka kanye yasebhange izimo ezikahle. Obolekayo, ngubani spoilt indaba yakhe sekunzima enethemba layo ukubonelelwa okuthembekile isikhungo sezezimali futhi ngempela kwakungenza noma umbolekisi esisemthethweni.