Loan isevisi izimali, noma ukuthi kubiza malini ukuthatha ngesikweletu

Ikhredithi - lena ingxenye ajwayelekile zokuphila kwanamuhla. Anikeza cishe kuyo yonke indawo: emabhange, izitolo, boutiques, amafemu. Noma yimuphi ukwakhiwa futhi kokuqeda izinto, izingubo ezibizayo, izinto zasendlini, amathelevishini, amakhompyutha, ifenisha, imoto futhi sinendawo yokuhlala - konke lokhu nokunye okuningi kalula kungenzeka ukuthatha 'abanamacala. " Yezimanga Yiqiniso, ubunzima bese ugcine lemali edingekayo, kodwa umakhelwane has lokhu, kodwa kahlali acebile kunawe, futhi ukumkhokhela efanayo.

Demand kudala supply. izinhlelo Credit amabhange nhlobonhlobo, kanye nohlu ukhula minyaka yonke. Ulahleke kule ezihlukahlukene kulula ukunquma izinzuzo loan ebhange efanayo, futhi uhluke nezinye iziphakamiso kunzima kakhulu.

Ake uqale nge yokuthi ibhange - inhlangano kwezohwebo, Injongo ogama main - inzuzo. Kunengqondo ukuphetha ngokuthi inzalo yonyaka phezu loan - inzuzo eyanele ukuthi ibhange uthola kusuka umboleki. Kodwa akubona bonke ngakho elula. ebhange ngamunye noma iyiphi isikweletu ephelezelwa ikhomishini, ezingalotshwanga kuthathwe ikakhulukazi "zembulani". Ukuba khona ezinye zalezi iklayenti uyazi usungenile ngemvume nesivumelwano sokubolekwa imali noma ukhokhe inkokhelo yokuqala, nezinye wazi kusengaphambili (isibonelo, imali inkonzo loan), nakuba ayengazi siqonde injongo yayo.

Ngakho iziphi uKhomishane angase abe lelipelwe e nesivumelwano sokubolekwa wefonti ezincane nezinkulu? Okulandelayo ikhomishini: Commission for Ukukhishwa loan, imali ngoba isicelo loan imali service loan, imali uvula i-akhawunti loan, ukuze ekuseni amacala extinguishment njll Ikhomishini abasakwazi amagama ambalwa, futhi semthethweni ukushaja iningi labo ngo-2009, obonwa isimo emthethweni. Amabhange wavuma, futhi ... washintsha igama Commission.

Ngaphambi kokuthola imalimboleko credit umphathi we- yiliphi ibhangi ubophekile ukuba wazise ikhasimende nge i isilinganiso senzalo esisebenzayo. Lokhu kulinganisela kuhlanganisa yonke inzalo kanye yasebhange amacala. Duty main - umzimba imalimboleko, okungukuthi, inani iklayenti kuthatha ngebhange. Lonyaka senzalo - nyangazonke inzalo loan. Loan isevisi izimali kanye nezinye izindleko yasebhange - ukwandisa inzuzo yebhange ngezithukuthuku overpayments nzima explainable. Uma ikhomishini esithathwayo kanye kuphela lapho ithola loan, Akufani kakhulu ukwandisa inani lemali mboleko. Enye into, uma yikhomishini iphesenti esimisiwe inani eligcwele imalimboleko, futhi izobizwa njalo ngenyanga, ke ngokweqile ku loan kuyoba isamba eningi kakhulu.

Imali loan isevisi - omunye ngokuvamile icala izimali amabhange. Igama kungase kudingeke ukwahluka, ke lingashajwa inani eligcwele sokubolekwa kwemali noma ezisalayo ukuba nyangazonke noma-isikhathi esisodwa. Le khomishane kungenziwa akhanyiswe zonke Commission odlule, ngenxa yokuthi bonke ikhomishini abizwa ngokuthi "ukusevisa loan." Izinhlawulo ukuthi athathe amabhange ukushabalala olulinganiselwe nyangazonke loan lemali yokukhokha sekwedlule isikhathi noma kungenzeka ukuchaza izingozi ukwehla bankka. Chaza ezinye izimali kunzima kakhulu kangakanani, uma kungukuthi akwenzeki.

Kusukela 2009, amabhange kungaba bazohlawuliswa uma imali ku ababoleka, amabhange kakhulu enkulu cishe zonke ikhomishini kukhanselwe. Manje "ke yimfashini" yomshuwalense yempilo yesikweletu, okuyinto ibonakala yokuzithandela, kodwa ngandlela-thile hhayi ngempela. Njengoba zokwenqabela leso ibhange umshwalense ngokuvamile kwandisa inani lenzalo. Ingasaphathwa saziso umshwalense imoto noma izindlu uthenge. Umshuwalense wokuphila ongakhokhela kanye lonke elithi loan futhi uthole imbuyiselo egcwele, noma ungakwazi ukukhokha ngonyaka, esele esikweletini esiyinhloko.

Isiphetho yemvelo: kungakhathaliseki ukuthi wahlushwa wemisebenzi amabhange, nabo ngandlela-thile Uyohlale ekhona, lisebentisa emagama lehlukene kanye ngezilinganiso ezingafani, ngoba isilingo ukuthola inzuzo lula ziphezulu kakhulu.