Indlela angabuyisela izikweletu, uma kungekho namarisidi kanye nofakazi izincomo kanye namathiphu asebenzayo

Wonke umuntu wazi isimo uma une ukuboleka imali osebenza nabo, abangane noma izihlobo. Kulokhu, irisidi kusukela nakwabangenangqondo kulaba abahlanu zithatha oyedwa, abanye uholwe kokwesaba yazithela ngehlazo eliphakade ukungalethembi kothandekayo. Kodwa ngemva kwalokho, lapho eza ekupheleni yonke imigomo bangaphinde babuye, futhi okweletayo akusiwona ezisheshayo, ukungabi phansi izivumelwano phezu loan kungavimbela ubuthongo elizolisayo yalowo owakhunyulwa lent imali yabo. Indlela angabuyisela izikweletu, uma kungekho irisidi, nokuthi kungenzeka ngokomthetho?

Ingabe kumele ngizinike yini?

Ezimweni eziningi, izakhamuzi abasengozini yokulahlekelwa imali, baqala liziphathe okungalungile ngokuyinhloko kuka kuphela babhebhethekisa isimo sabo. Ezinye rush ngokushesha emagunyeni edinga ikomiti yokwahlulela noma umnyango emaphoyiseni, ngesikhathi abanye nokuzama ukwesabisa okweletayo futhi esaba namandla abo.

Enye okukhipha iba ukwamukela isimo njengoba engqondo efanele futhi kokuhlukana nemali. Mount ababolekisi sokukholelwa ukuthi ngisho ukukhokha izikweletu ekwamukeleni ezinkantolo - akuwona neze umsebenzi olula, ingasaphathwa izimo lapho ubufakazi eyinhloko loan ayitholakali.

Noma yimaphi kula amacebo uzochitheka. Nokho, isenzo, kusadingeka, ngoba ngisho isinqumo seNkantolo imali siqu Ephakeme elizobuyiswa, uma akusiyo isipho. Nakuba umuntu okuphe ezikweletini, elinde imithetho ezinzima, ukuthi usengaba amathuba okuphumelela. Cabanga iseluleko esisebenzayo kanye nezincomo, okuyinto usitshele ukuthi uthole ukukhokha izikweletu ngaphandle kokuthola.

Isinyathelo Sokuqala - Ukuthula Treaty

Njengomthetho, isikweletu ayivumeli abantu engajwayelekile. Okweletayo ngokuvamile iba isihlobo noma umngani oseduze. Kulokhu, akukho umonakalo izozama ukuxazulula lesi simo ngokuthula. Kuyadingeka ukubuza izisusa kungayi lubuyayo waphinda ukuxoxa imigomo nemibandela. Ungazama sikhathi ukwenza irisidi noma loan sivumelwano.

Ithola idokhumenti ezinjengalezi ziyashintsha okushiwo daba ihlumela, ngoba kukhona kakade ubufakazi esisemthethweni yokuthi ukudluliswa kweemali kusukela komunye umuntu, kanye nezinsuku, isikhathi kanye nenani. Khona-ke umbuzo kanjani ukukhokha izikweletu ngaphandle kokuthola ufakazi ubalekela ngokuzenzakalelayo.

Uma kukhona muntu emhlabeni wonke, okweletayo lifihle noma ngenkuthalo ugwema imihlangano nezingxoxo, kubalulekile ukuba dlulelani esinyathelweni esilandelayo.

Isinyathelo Sesibili - lalifuna ubufakazi

Ezinye izakhamuzi bakholelwa ukuthi bayazi ukuba abuyisele kanjani nesikweletu, uma hhayi kudedelwa, kodwa kukhona ofakazi. Ngokusho kwabo, ungaya amaphoyisa sinombono isicelo tinchubo kanye nezitatimende ubufakazi enamathiselwe isicelo njengoba ubufakazi yokuthi imalimboleko.

Eqinisweni, ukuqala icala eqinisweni ukwabiwa kwezimali siqu ukukhohliswa noma ukuhlukunyezwa ithemba - kuba umkhuba ovamile. Kodwa ubufakazi ofakazi kuleli cala awacatshangwa ezizakuba bufakazi, futhi 99% amacala isicelo kuzonqatshelwa.

Kudingeka ukuthi uqale lokuqoqa ubufakazi iqiniso zokweboleka imali. Umsebenzi main - ukuze ulungise ukuxhumana okweletayo esebenzisa lobuchwepheshe noma ephepheni. Ungasebenzisa noma yiziphi izinketho - SMS, ukuxhumana zokuxhumana, call ukuqoshwa. Kubalulekile ukuthi lezi abantu contact okukhulunywa loan nemigomo yalo nemibandela, bese ezinye izindlela yokubuyisela. I ukwazi okwengeziwe ukuqoqa "ubufakazi", kunamathuba amaningi okuthi bebuyile.

Yini sithathwa ubufakazi

Inkantolo bahlola isiqophi nangezinto eziqoshiwe, okuyinto awashintsheki amaqiniso zokweboleka imali. Nokho, uma kweleti is e ukuqoshwa kuzibiza nedatha yayo, ukuze iziphathimandla Awunawo ukungabaza.

Linganisa uzitholele imininingwane, i-SMS, izithombe-skrini ukuvumelana esuka kumanethiwekhi omphakathi e-mail. Uma ukuxhumana lide kakhulu, kungase kube elethronikhi. Konke lokhu kufanele iqinisekiswe ngabe umphakathi ummeli olungisa izivumelwano, kungakhathalekile okuqukethwe. protocol notarial kuhilela siqu ehhovisi ikhompyutha wokuhlola umsebenzi, okuvela kulo izincwadi eyafezwa.

Kufanele sinake indlela ukudluliswa kweemali. Namuhla ngokwethukela kusetshenziswa EFT ngokusebenzisa yasebhange mobile kanye nezinye yokukhokhelana electronic. Uma kungenzeka, kufanele wenze ephepheni eliphuma kuyo, okuzokwenza ubonise futhi usuku ukudluliswa ngenhloso yokukhokha.

Ukuze ukuqoqa yonke idatha ezidingekile ukuchitha isikhathi nemali. Nakhu okunye kungaholela isinqumo ukuboleka imali ngaphandle kokuthola. Indlela angabuyisela sikweletu uma une izandla zakho phezu kwayo yonke imibhalo kanye ukuphrinta? Thina dlulelani esinyathelweni sesithathu.

Esesithathu isinyathelo - isikhalo esiteshini samaphoyisa

Emva ukuhlangana bonke ubufakazi bese amaqiniso ukuthi isakhamuzi angaya amaphoyisa sinombono kokuthumela isicelo. Ngaphezu kwalokho, bonke ungavula kanje. Inketho yokuqala - isicelo samukelwe futhi ukuqalisa ekuqhutshweni yokudlulisela phambili enkantolo. Inketho Two - abamukeli. Uma isitatimende emaphoyiseni ukwamukela ke iqiniso nokunqatshelwa esemthethweni wamaphepha izotholakala kudala njengoba emini.

Indlela angabuyisela izikweletu, uma kungekho irisidi, futhi ATS benqaba ukwamukela isicelo? It kuvela ukuthi ngisho uma kwenzeka ukwehluleka has zisakwazi ukubuya. Okokuqala, yalokho enjalo kungaba inselele. Okwesibili, umthetho akakwenqabeli kuleli cala isicelo ekuqhutshweni civil eqinisweni non-buyiselo ezikweletini. Khona-ke kufanele ngokushesha aye enkantolo.

Isinyathelo sesine - sicelosikhalo

Ukuya enkantolo bese uhambisa isicelo ukuqalisa icala, kufanele ukhokhe duty isimo. senani ingeqi ayizinkulungwane 60. ruble, kodwa basengaba ngempela eningi. Ngokwesibonelo, i-inani kwezikweleti ayizinkulungwane 50. Duty ruble isimo akusona esingaphansi ruble 1700.

Okulandelayo, kufanele uzalise iforomo lesibawo bese unikeza wonke amadokhumenti singasebenza kunjalo (ubufakazi). Ngemva kwalokho kufanele ulinde isinqumo zalowo mahluleli.

kakhulu Ukuthunyelwa isicelo enkantolo akuqinisekisi ukuthi ukukhiqizwa uzobe ngokuzenzakalelayo umkhankaso. Zingakapheli izinsuku eziyi-5, ijaji uzokwenza isinqumo ukuqalisa icala noma nokwenqaba ukulahla. Futhi, kungenzeka isicelo wabuya noma nqabela. Konke lokhu kuhambisana isaziso esisemthethweni ngokubhala.

izikhathi ezithile okumelwe ezibhekene abafakizicelo yibe yinto exakayo kakhulu noma kunzima kusukela iphuzu lomthetho umbono. Uma semali izikweletu kanye nezindleko kwabo bonke ubunzima, kungcono nochwepheshe wezokwelapha. ummeli izobiza ngendlela engachazeki, kodwa iyobalethela yalokho omuhle, ngoba ngokuvamile, umthetho ohlangothini umfakisicelo.

Inkantolo ohlangothini umfakisicelo. Yini okulandelayo?

Uma inkantolo yasamukela kunjalo ukuze acutshungulwe futhi wazitholela isinqumo imali, ningaqiniseka ukuthi impumelelo. Nokho, okweletayo inelungelo isinqumo. Uma engenandodakazi izinhlelo ukwenza lokho, icala liya umsizi wesikhonzi senkantolo, ngaleso sikhatsi bafundza bacala ukuphoqelelwa ekuqhutshweni.

Lokho le nqubo ngeke sisalokhu iminyaka, kumele ngezikhathi ezithize akhokhe ukuvakashelwa bailiffs. Labo, esikhundleni salokho, kudingeka ukuqoqa idatha kwi nesimo sezimali okweletayo futhi imali okungenzeka kuye. Ngakho, ukutholakala ingcebo, ezibaluleke, imali kanye ezilinganisweni lizoqinisekiswa. Bailiffs ingalela travel phesheya noma ukuba abophe akhawunti okweletayo sika.

Indlela angabuyisela izikweletu ekutholweni

Nge umuntu kufanele athathe irisidi, uma inani izikweletu idlula amaholo ngamaphesenti izikhathi 10. Lowo Mbhalo wangonyaka we kumele siqukathe idatha yomuntu siqu yizinhlangothi zombili, usuku lokulungisela inani kwezikweleti izibalo futhi amazwi, imigomo nemibandela ukubuya. Irisidi ungacacisa izimo izinhlawulo ukwehluleka ukubuyela ngesikhathi namaphesenti ingqikithi ukusetshenziswa imali yabanye abantu. It akudingekile, futhi kuyaqabukela lisetshenziswe umkhuba, kodwa uvunyelwe umthetho futhi ngeke kucatshangelwe yinkantolo. Irisidi kufanele sifake isignesha futhi ukususa ukubhala isignesha bobabili.

Ake sithi bonke imicikilisho kuhlangatshezwene nakho futhi isakhamuzi akuniké irisidi loan. Uyithola kanjani imali emuva uma izimo kokuthola kungahlangatshezwana nazo? Ungaya enkantolo. Le nqubo akudingekile, njengoba idokhumenti has a ukuphila eshalofini - iminyaka engu-3 kusukela ngosuku lesi enkokhelweni loan.

Ngaphezu kwalokho kukhona inqubo efanayo ukuze nokubuyiselwa izikweletu ngaphandle kokuthola. Nge omunye umehluko - ukuqoqwa kwemibhalo ezengeziwe futhi ubufakazi kuleli cala ayidingekile. Kumele unikeze irisidi ngeduplikhethi.

Ngakho, thina esiphethweni ukuba abuyisele kanjani nesikweletu, uma kungekho irisidi. Le nqubo akulula, kodwa umbolekisi has a amathuba okuphumelela. Isimo main ukuthola khona ubufakazi futhi amaqiniso ukudluliselwa imali izikweletu. Yibuphi ubufakazi ngaphezulu eqoqwe, kunamathuba amaningi okuthi yokubuyiselwa imali.