Iyini indlu yokubolekisa ngaphandle kokufakazela imali engenayo

Eminyakeni yamuva, zonke izinhlobo zemali mboleko seziye zanda kakhulu. Lokhu akumangazi, ngoba kulula kakhulu futhi kunomusa ukuthola lokho okufunayo, hhayi ukuphazamiseka ekulindeni isikhathi eside ngenxa yokuntuleka kwemali, futhi ngokuvamile uziphika ukugcwaliseka kwamaphupho akho konke ngenxa yezizathu ezifanayo.

Ukuphila ngesikweletu sekuye kwaba yinto evamile, futhi abantu abasasabi kakhulu ukucabanga ngokuthola imali esikhwameni ebhange. Ingqikithi yangaphakathi inqotshwe, kodwa ingabe izikweletu zifinyeleleka kakhulu kunezikhathi lapho zithandwa kakhulu?

Yiziphi izidingo zamabhange uma ufaka isicelo semali mboleko? Ngokusobala abazange bashintshe. Phakathi kwazo, zonke izincwadi zokubhalisa (idokhumenti yomphakathi kanye nabanye), kanye namaphepha abonisa imali engenayo yesikweletu esizayo: isitifikedi esivela emsebenzini, esibonisa yonke imali yomsebenzi, kanye nenani lentela ekhokhelwe kubo. Yilokho kuphela okudingekayo kokugcina kwamaphepha adweliswe futhi kubangele ubunzima obuyinhloko ekutholeni isikweletu. Izizathu zalokhu zingaba yiningi kakhulu. Akuyona imfihlo ukuthi abaningi bathola amaholo ku-envelopes, okungeke kuboniswe esitifiketi esidingekayo ukuze uthole imali yesibhanki. Ngaphezu kwalokho, iningi lemithombo engenayo engasekelwa yiyiphi imibhalo. Ungaba kanjani kulesi simo?

Uma ungena kulesi sigaba ngokuzumayo, ungakhathazeki, iphupho lakho lingagcwaliseka. Uzosizwa ngesikweletu esingekho esidlule emakethe yezinhlinzeko zasebhange ngaphandle kokuqinisekiswa kweholo. Imalimboleko enjalo itholakala kumabhange amaningi, ikhishwa ngezidingo ezihlukahlukene. Uma izinhlelo zakho zibandakanya ukuthenga indlu, indlu noma ezinye izinto zokuhlala, khona-ke imali yokuthenga ingenzeka ngaphandle kobufakazi bokuthola imali. Ngaphandle kwezitifiketi zengeniso kungenzeka ukuthola kokubili imalimboleko yemoto kanye nenkokhelo yemali. Akukho okunye kanye nekhadi lesikweletu. Ngaphandle kokuqinisekiswa kwemali engenayo, izinhlobo ezisebenzayo zokuboleka imali zikhona.

Yiqiniso, amabhange akugcini nje ukwenza kube lula ukuthola izikweletu, ngaphandle kokuqinisekisa ukuthi lowo obolekayo uyakwazi ukuyikhokhela. Imboleko ngaphandle kokunikeza ubufakazi bokuthola imali iyatholakala ikakhulukazi kumaklayenti aqinisekisiwe ngomlando wesikweletu esihle. Futhi, isibonelo, i-mortgage ngaphandle kobufakazi bemali engenayo kungenzeka uma iklayenti ngenye indlela ingafakazela i-solvency ne-solvency yayo: isibonelo, ngokunikeza imibhalo yokuthola noma iyiphi impahla ebiza kakhulu, njenge-estate, noma ngokubonisa imali eningi Ama-akhawunti abo asebhange. Ngenkokhelo enkulu ekhokhwayo, uma kunikezwe ngemigomo yemalimboleko, kukhona namathuba okuphendula kahle lapho ufaka isicelo semalimboleko, kubandakanya enkulu njengemali yokubolekwa kwemali, ngaphandle kokuqinisekiswa kwemali engenayo.

Imali engenayo izitifiketi zemali engenayo kaningi inamazinga aphezulu okukhokhiswa, kanye nesikhathi esifushane, esisebenzela ibhange njengesiqinisekiso sokulahlekelwa kwemali encane. Futhi, ukuntuleka kwesitifiketi semali engenayo phakathi kwamadokhumenti omthengi kubonakala njalo emkhawulweni wesikweletu ohlinzekwe yibhange, ngokwesibonelo, ngekhadi lesikweletu.

Yonke le mingcele, okwamanje, ungangezeli kalula inqubo yokuthola imali oyidingayo, kodwa, naphezu kobunzima ekunikezeni ulwazi emisebenzini yakho, izinhlobo eziningi zemali mboleko zikhona kuwe, kuhlanganise nemali yokukhokhela imali ngaphandle kobufakazi bokuthola imali.