Kungenzeka yini ukubhala off esisemthethweni credit izikweletu?

Ngeshwa, abaningi bethu baye lapho isicelo loan ngesikhathi inani sasivumela ehloniphekile abakwazi ukuhlola kahle amakhono sabo sezimali. ngokuvamile sikhohlwe ukuthi ngisho nosuku olulodwa kokulibala kungaholela izinhlawulo ezisindayo futhi okuzenzakalelayo isithakazelo. Ngokusho izibalo ezitholakalayo, okubili kokuthathu, kwezinkanyezi lonke inani ababoleka ekukhokheni. Ngakho-ke akumangalisi ukuthi abaningi babo bangabantu nesithakazelo, kungenzeka ngokomthetho ukubhala isikweleti ebhange.

Singakwazi yini ndaba zalutho hhayi akhokhe emalini ebolekwe?

Uma lo muntu obolekayo isikhathi eside akwenzi izinkokhelo zenyanga kudingeka, abameleli yebhange baye izinyathelo kakhulu. Into kuphela bangakwenza Kulezo zimo, kuba ukuqalisa kuqale ukuqulwa kwecala. Ngemva inkantolo uyobusa phezu nokuqoqwa kwezikweletu, isinqumo okuhambisanayo izokwenziwa ezandleni bailiffs. Kusukela manje, ngeke awabakhathazi umboleki zokunganaki. Kodwa ngenhlanhla, amandla abo ebanzi kakhulu. Ngaphansi komthetho wamanje, bailiffs Unelungelo:

• ngokusebenzisa ehhovisi lentela ukuthola indawo esemthethweni yokusebenza umboleki njalo ngenyanga futhi abale kwesigamu nomholo wakhe;
• ukuba abophe akhawunti okweletayo sika, uma ikhona, futhi kuzo ukubhala off inani izikweletu;
• ukubopha esikhishwe imoto umboleki sika.

Ngaphansi komthetho, amaphoyisa akudingeki unelungelo lokubamba ifulethi, okuyinto yokukhosela kuphela. Uma lo muntu obolekayo akusho baqashwe ngokusemthethweni kuphi futhi ayinaso akhawunti asebhange nezinto eziyigugu, into kuphela ongayenza ukuthatha bailiffs, iseduze phesheya. iphoyisa, eqiniseka ithemba zokululama, okuthunyelwa idokhumenti ebhange eqinisekisa leli qiniso. Kulesi simo, ibhange ukuze uvumelane yokukhansela zomthetho imalimboleko. Kodwa ungacabangi ukuthi lena umkhuba okwandile. Ngokuvamile, lokhu kwenzeka ezimweni ezingajwayelekile kakhulu.

Enengqondo kunazo izimbangela uqalisa nenqubo efana

Njengomthetho, amabhange bayanqikaza kakhulu ukubhala off imalimboleko engenzi esisemthethweni. Ukuze uqale le nqubo, sidinga icala enamandla kakhulu. Amabhange uyavumelana enjalo okungekuhle bona isinyathelo kuphela lokhu ikakhulukazi ezimweni lapho:

• I loan wakhishwa ngesisekelo imibhalo kokuzihlanganisa. Ezimweni ezinjalo, icala lokukhwabanisa ziqala ukubhekana abomthetho.
• I isikhungo sezezimali has owawudinga imali embi abasebenzi aphuthelwe yisimiso ukulinganiselwa.
• Ibhange elahlekile inkantolo, okuyinto yamyala ukuba sifeze ukwesulwa zomthetho ezikweletini loan.

Okunye izizathu ezijwayelekile ekuqaleni kwale nqubo kungukufa noma ukunyamalala umboleki. Uma oshonile kwesokunxele libe yifa ukuthi ingahlukaniselwa phakathi komkhaya wakhe, akekho noyedwa ukumkhokhela, futhi ibhange kuyodingeka ukuqala esisemthethweni credit izikweletu yokukhansela. Kungokufanayo uya for the ababoleka ulahlekile. Uma phakathi nenkathi ethile komthetho ejensi angamtholi, basuke esikhishwe idokhumenti ebhange eqinisekisa ukunyamalala kwakhe.

A amazwi ambalwa ukulinganiselwa

umthetho Domestic sihlinzekela into ezifana yisimiso ukulinganiselwa. Okungukuthi, ivumela ababoleka ancike esisemthethweni credit izikweletu yokukhansela. Ngakho, ngesikhathi lapho isikhungo sezezimali unelungelo yomyalelo wenkantolo ukuqoqa izikweletu ababoleka abonakele, sekuyiminyaka emithathu. Nokho, ohlelweni lokunquma lesi sikhathi kufanele inake eziningi umehluko wemisindo nemiqondo yamagama ebalulekile.

Okokuqala kumele uqonde ukuthi kuqalwa yilona usuku lokukhokhela isitolimende sokugcina. Ngaphezu kwalokho, abameleli Bank sebeqala ukusebenza ababoleka elinezinkathazo ekupheleni kwezinsuku ezingu-30 ngemuva kokuchitha isikhathi. Ngemva kwezinyanga ezintathu, le nqubo uxhuma uMnyango zomthetho. Uma ngemva kwezinsuku ezingu-90, okweletayo akenzanga inkokhelo edingekayo, ibhange ungafaka enkantolo. Ngenxa yalokho, kukhona zero reference iphuzu. Kusukela kulo mzuzwana iqala ukubala komkhawulo esisha.

Yini obulandela bhala-off?

Ezinye ababoleka ngephutha sikholelwe ukuthi esisemthethweni credit izikweletu bhala-off - it is a inqubo elula. Ngo umkhuba, zandulelwa isibalo izinyathelo ezithile. Ungakhohlwa ukuthi ibhange ungaqala lokuqoqa, usebenzisa amasevisi zeminyango ekhethekile, onguchwepheshe ukusebenza amafa elinezinkathazo. Ngaphezu kwalokho, unelungelo ukuba balahle isikebhe sizinze zezimali ukuthengisa nokuqoqwa kwezikweletu ihhovisi layo.

Okufanele ukwenze uma ibhange ithengiswe bezikweletu?

Ngaphambi kokuvuma uncollectible, isikhungo sezimali kungathatha omunye, kulokhu umzamo wokugcina okungenani ukuthola okuthile lokhu loan sekwephuzile. Muva nje, kwakukhona iqoqo amahhovisi ngalendoda sika, okuyinto ingoma ukuthenga izimpahla esicindezelekile. Kungenzeka ukuthi ibhange ukusidayisa loan yakho ingenye inkampani enjalo. Ngakho-ke, okweletayo kumele balungele umhlangano esisha abaqoqi. Njengomthetho, umzamo wokugcina ukuxoxisana ngendlela enokuthula, ngaphandle ezikhandla ingcindezi ngokweqile umboleki. Bangase bathi bazokupha ukuhlelwa kabusha kwi imigomo sasivumela evumayo noma ukuthethelela abanye izikweletu. Kodwa uma lo muntu obolekayo kulokhu ayikwazi ehlaselwe kubamangali ke kukhona sokugcina futhi ngokomthetho kwisamba credit izikweletu.

isiphetho

Ukwenza out loan, udinga ukuhlola kahle amakhono abo. Ngaphambi ushona ebhange, kudingeka uhlaziye ngokucophelela isimo ucabange ngempela ngeke yimalini ungaphendukeli ngawe umthwalo engenakwenzeka. Labo abasaya kwaba baxakekile, singakwazi ukuncoma ukudinga ummeli afanelekayo abazokutshela kulesi simo. Enethemba sokukhokhwa kwesikweletu bhala-off, asikwazi bayakhohlwa yalokho okungase kulandele. Njengomthetho, ababoleka abonakele zifakiwe okubizwa ngokuthi uhlu omnyama, ukuze imbobo umlando wakhe hhayi kuphela credit, kodwa futhi idumela.