Ngezinye izikhathi kunezimo lapho umuntu wenza imalimboleko enkampanini yezimali, futhi kukhona izinkinga kanye ukubuyiswa kwemali yayo. Kulokhu, nawu umbuzo, kuzokwenzekani uma ungenawo ukhokhe imali ngaphandle kwenzalo ukuze ebhange.
Ngokwezibalo, amakhasimende amaningi abaye anquma ukuba ukhokhe imali ngaphandle kwenzalo ukuze sihlale siyizakhamuzi kuphela. Ababoleka imali nje ngisuke nezibopho zabo. Futhi ngoba lokho, kunezizathu eziningi. Abanye abantu bamane nje abafuni ukuvuma ukunikeza imali yabo siqu, kuyilapho abanye bakholelwa ukuthi umbolekisi kudinga izinga eliphezulu isithakazelo, njll
Kodwa khumbula: uma umuntu "ulenga" credit, kumelwe wokuyibuyisa. Nakuba akesabi kwezingqinamba nezingozi, sikwazi ukuqhubeka indiva umbolekisi futhi uthole ukuthi kwenzekani uma ungenawo akhokhe loan ebhange.
Kuyini iphesenti lapho kungayi lubuyayo?
Kunoma yikuphi isakhiwo credit kukhona umqondo "amaphesenti lapho kungayi lubuyayo." Ngamanye amazwi, umbolekisi usetha ngesilinganiso fixed ukuthi ihlanganisa zonke izindleko kucutshungulwa loan ukuthi umboleki kumele sibuyisele. Umbundu ubuncane inkomba 3% yemali ebolekwayo.
Awukabi kunomvuzo ukukhokha loan, njengoba umbolekisi engafuni ukuyeka ufana nje nge izimali zakho. Inhlangano kuzothatha zonke izinyathelo yokuhlengwa bayo, abese umboleki uzokuqonda kuzokwenzekani uma ungenawo akhokhe loan ebhange. Okokuqala, zezimali nesikhungo umsebenzi uyokwenza ngelomusa shayela-inthavyu. Ngesikhathi ke kulindeleke ukuthi amemezele isikweleti, futhi ukuthola izizathu ka yokungakhokhi. Kulesi ingxoxo, umboleki ungezwa ibinzana ajwayelekile: "Ngiyakhumbula mayelana ibhange lami, kodwa manje angikwazi akhokhe off, ngoba akukho mali ukuze ikhokhele izindleko loan." Yini angayenza kulesi simo, ngakho njengoba ngingachithi icala enkantolo? Ungakwazi uyavuma ukuthi emasontweni ambalwa lemali bazokhokhelwa, kodwa akudingekile ukuba abe impudent bese ucela izinyanga ukubuyisela izikweletu. Ezinye ababoleka ngenxa nezithembiso ezenziwe kungase hlehlisa ukukhokhelwa u-Adalberto isikhathi eside. Nokho, isikimu ezifana akathembisi ozoba ebhange elikhulu, futhi kufanele ukhokhe ngesikhathi.
Kwenzekani uma ungenawo akhokhe loan ebhange futhi ngemva kwesikhathi ethenjisiwe?
Kulokhu, amabhange lithengise izinkampani nokuqoqwa kwezikweletu ukuthi wabhula abanamacala yabo. Umgomo wabo - ukuze uthole imali emuva noma izindleko, ukuze acindezele ikhasimende ngakulahla nganoma iyiphi indlela semthethweni. Nsuku zonke, abasebenzi ngeke kuphela izingcingo ngomakhalekhukhwini, kodwa futhi ukuba eze ekhaya kufunwe ukubuya izikweletu. Akubalulekile ukufihla, njengoba abaqoqi ungaqala ukushaya obathandayo futhi ukusongela. Abakwazi ngovalo, ethi uma ungenawo akhokhe loan, uye ejele isikhathi eside. Abaqoqi uzokwenza konke ukuze ungasaboni silala ngekuthula. Bayoba ukudlulisela leli cala enkantolo, futhi ngeke ukuya bailiffs. Ungakwazi Yiqiniso, ufihle futhi musa ukuvula umnyango, kodwa iqiniso wukuthi ngasohlangothini lwabo, futhi nje wephule imigomo yesivumelwano futhi kuyodingeka, ukuze bajeziswe.
Okungenzeka iminyaka emithathu ucashile ulinde ukuqedela isimiso ukulinganiselwa, kodwa ukuthola loan awusoze uphumelele.