Kuyini isitifiketi imali ngesimo ebhange? Siza ekwakheni yasebhange, ukugcwalisa izibonelo

Yiqiniso, lomfula unesithakazelo kuyinto ukukhipha credit imali kuphela kuphela ababoleka. Ngamanye amazwi, abantu abanombono ukubuya ngesikhathi esifanele futhi ukusungulwa lemali oyinhloko inzalo enqwabelene. Yiqiniso, le "izwi udumo" akekho ngeke unikwe ikhredithi akuyona, ikakhulukazi uma sikhuluma lemali ucishe ezinkulu.

Kulabo abane real Iholo elingakanani iphakeme kakhulu kunanoma iholo olusemthethweni, isixazululo esingcono kakhulu kungaba yokusiza umumo nomholo yebhange. Kuyini lokhu "isilo" kuyinto? Ake sizame ukuthola kabanzi.

Kungani sidinga usizo ngesimo ebhange?

Lapha, abaningi bangase bazibuze: "Kungani kwakudingeka usizo ngesimo ebhange?"

Eminyakeni yamuva lenyuka, bacashi baya uncamela "inkokhelo ezimvilophini" ukunciphisa ezibanjwayo intela nokunye. D. Yingakho ababoleka eziningi unezinkinga ubufakazi ezingeni engenayo. Lindela ukuthola ucishe tibalo okuqinile ngaleyo ndlela akudingekile.

Eqinisweni, ukuxazulula le nkinga yasungulwa isikimu okunye ukuthola ulwazi imali akulona uhlobo evamile, kodwa ngesimo ebhange.

Njengoba kuboniswe kulo mbhalo?

usizo ukugcwaliswa ngesimo ibhange kuyashesha kakhulu. Yiqiniso, izikhungo ezahlukene ingadinga ukuthi ucacise ezihlukahlukene ulwazi olwengeziwe mayelana nawe bese umsebenzi wakho, kodwa amaphuzu ayinhloko agcinwayo. Eyokuqala:

• nesibongo, igama patronymic ka umboleki;
• isikhundla elalihlala umuntu;
• ubudala endaweni wamanje;
• ubude yesivumelwano umsebenzi;
• inani inkokhelo izinyanga 6-12. (Kuye izimo asebhange);
• wenyanga kumadethi edingekayo.

IBhange Akunandaba ukuthi ingabe izintela umqashi kanye nezinye ebhadelwa isabelomali kanye izimali ezahlukene extra-kwesabelomali.

Yini kufanele ngesabe?

Yiqiniso, ulwazi ngesimo ibhange - into Ukugunda kakhulu kuwe njengomzali umboleki. Kodwa-ke kumelwe nakanjani zigunyazwe umqashi.

Naphezu kweqiniso lokuthi ngokusemthethweni yayingelona neze usongo embusweni isiqinisekiso womqashi idokhumende ezifana azinakugcinwa, hhayi wonke umuntu uzovuma ngemvume ke. Abaningi besaba ukuthi uma iphepha olunjalo kuzokuya intela, futhi izinga langempela umsebenzi iholo kuyoba ngokuphongoza ukuthi kuboniswe, izinkampani ezimali kungenziwa sona inhlawulo nokuxoshwa emsebenzini. Ngakho-ke, ngaphambi kokuba akhiphe isitifiketi imali ebhange sika efomini kungcono uthintane nalabo abaziphethe. Qinisekisa umqashi ngenzuzo uyavuma kuphela umsebenzi, okuyinto isiqiniseko at 100%.

kungakhathaliseki izimo imalimboleko zihlukile?

Siza ngesimo ibhange - lokhu kuyinto ingozi ezengeziwe isakhiwo sezimali ngokwayo, ngokukhwabanisa ne ukuthengiselana okunjalo akukhona okungavamile ukuba likhithike.

Lokhu kusho ukuthi i-Ukukhishwa lemali edingekayo ibhange idinga ukuba ephephile. Okungukuthi, phezu kwezimo ezimvunayo, kulesi simo awukwazi ukubala - inzalo loan kuyoba ephakeme, kanye loan term - kancane.

Kanjani ukuhlola isitatimende yezinzuzo?

Kunoma ikuphi, ukukusiza ukunikeza ebhange, ngeke ihlolwe. Ngo isikhungo ngasinye ezifana ukwethula Umbutho okhethekile ukulondeka kwezomnotho, okuyinto abahlanganyela kulo. Ngesikhathi esifanayo uhlole umlando Ikhredithi idumela umboleki futhi lonke ulwazi ezimbi.

It has incazelo kanye nokunemba ulwazi olushiwo idokhumenti, futhi ngokunemba idokhumenti.

Kubalulekile ukuqonda ukuthi ibhange ungabiza uMnyango ezimali inkampani yakho ukuthola uma ulwazi lweqiniso kukhonjisiwe isitifiketi. Ezinye izindlela zisetshenziswa kulokhu ezingavamile, kodwa ibhange ungacela biography yakho, isimo somshado, khona efulethini lakhe siqu, imoto nokunye. D.

Kanjani ukuqinisekisa imali olungekho emthethweni?

Akufanele sicabange ukuthi ulwazi ngesimo ibhange - lena ngenye yezindlela zokuqinisekisa imali olungekho emthethweni. Phela, senziwa kuphela icala uma umholo olusemthethweni, kodwa eqinisweni umqashi ikunika okuningi ukudlula kukhonjisiwe ephepheni. Futhi kakhulu isitifiketi kumele nakanjani kube khona indlela yokunyathelisa izinkampani, okuyinto abaqashi ukhona.

Uma kungenjalo mayelana "inkokhelo ezimvilophini" nezinye izindlela imali ngokwethukela, kungcono ukuqinisekisa imithombo inzuzo. Ngokwesibonelo, uma ukuqasha ifulethi, umbolekisi angase amemezele lokhu iholo ukuze esemthethweni, uma uyinika inkontileka nokumenyezelwa intela ezibanjwayo ekhokhwa.

Kodwa awusebenzi ngaso sonke isikhathi banesifiso ithuba "njengelanga" imali yabo olungekho emthethweni ngaphambi kokususwa kwe tax. Indlela kulokhu?

It is kugcwele ukunikeza guarantors. Yisiboniso kumelwe abe ezingeni sezingeni eliphezulu imali "amhlophe" futhi uhlinzeke yasebhange zonke izitifiketi ezifanele. Uma ngasizathu simbe umboleki ayikwazi ukwenza izinkokhelo, senkokhelo imalimboleko uzokwenza kahle yisiboniso.

Uma yokudala (ukudweba, ngokubhala izincwadi, nokunye. D.), Indlela ukuthola imali, ungase futhi ukuqinisekisa. Okokuqala, ungenza ngokwakho i-izimali ezitholwe-akhawunti yekhadi lakho. Okwesibili, cishe, ibhange kuzodinga ubufakazi yalolu hlobo umsebenzi wakho (eshicilelwe bese kunyatheliswa izincwadi, imidwebo). Kufanele kuqondwe ukuthi "grey" imali akakaze kunakwe ngokugcwele. Ngokuvamile acabangele% 20-40 kuphela imali ngokwethukela. Ngaphezu kwalokho, amabhange acabangele imali njalo nje, okuyinto eza bangakunaki izinyanga okungenani eziyisithupha.

Futhi ekugcineni, Indlela elula kunazo - ikhadi draw ebhange, lapho uya ukuthatha ngesikweletu. Uma ungenalo uhlu iholo ekhadini, ungenza nawe ukuthola yonke imali inyanga ngayinye. Kubalulekile ukuthi lemali khona njalo futhi wayeneminyaka engaba ngu okufanayo ngokuya - kulesi simo, ibhange qiniseka ukuthi, noma umthombo iholo lakho, kuba esitebeleni ngempela.

Isitatimende isampula ngendlela ibhange

Kanjani ulwazi ngesimo ebhange? Isampula le dokhumenti ngenxa "Savings Bank" yilena elandelayo:

Futhi nangu kanjani ulwazi ngesimo "Bank of Moscow".

Njengoba ubona, lutho nzima ku kokuqeda le dokhumenti akukwazi.