Ukuqoqwa kokuthola izikweletu ezinkantolo

isimo Enough ezivamile lapho ecela umndeni, abangane, umsebenzi osebenza nabo ukuboleka imali. Uma kucatshangelwa izimo, ayikho indlela ukuwenqaba. Njengoba umuntu onengqondo enhle, wenza irisidi futhi ngikhiphe inkongozelo.

Kodwa ngemva kwesikhathi esithile kufika ukuqonda ukuthi izikweletu ukubuya akekho ohambayo. Amakholi efoni ayiphendulwa, umnyango akekho kuvula ... Omunye umzamo ukukhuluma mayelana nokubuya isikweletu lutho phambili. ikhanda lakho iqala kusukela kulo mzuzwana. Kanjani ukuze ibuyisele le mali?

Kukhona izixazululo ezimbili. Kuphakathi wena nokuzibona ukwaneliseka, ukuthi ukusiza umngane esimweni esinzima, bayalibala umsebenzi wabo futhi wenze esiphethweni esiqondile, ukuqhubeka siphila. Noma yicala oshona ukulamula umbango.

Ngakho, uma une isiqinisekiso esibhaliwe ukudluliselwa kwezimali, imbuyiselo lula kakhulu, kusukela nokuvulwa kokuthola izikweletu esekelwe kule dokhumenti. Kodwa kuhle ukuthi uzinake wena ukuthi uma ukuthengiselana okunjalo, wena yayiba isivumelwano ngamazwi kuphela kungenzeka athole imali yabo emuva ngeke kwazeke.

kahle kakhulu, uma irisidi senziwa yibo bonke imithetho: ukubona lemali, usuku lwesivumelwano, ngokuya ukubuya. Kodwa akanandaba uma akulungile indaba ibhalwe phansi. Kulokhu, udinga ukuthumela incwadi bhalisiwe igama okweletayo, lapho nokuvulwa kokuthola izikweletu wabonisa ngokucacile. Kuyinto kusukela kokuthola izimangalo bavele kwezibopho umboleki ukukhokha izikweletu.

Nazi izimiso ezilula ukulungiswa idokhumenti ebhaliwe nokuvulwa kokuthola izikweletu akubi inkinga enkulu:

1. Irisidi kulotshiwe ofaka lo muntu obolekayo, Igxila yokuthi lokuthola imali.
2. Sikhombise kucace ipasipoti idatha kokubili umboleki kanye yomuntu obolekisayo.
3. inkomba oyisibopho osukwini lokukhishwa lemali.
4. Inani loan izibalo kanye ngamagama (futhi kulokho lwemali wakhishwa).
5. Amaphesenti, uma kukhona khona isivumelwano.
6. Idethi imali.
7. isignesha umboleki sika.

Uma namanje ngeke ubuyisele kuthathwe ke qinisa icala ukuze alulame izikweletu ekwamukeleni akudingekile. Sicela uqaphele ukuthi umnqamulajuqu yisimiso ukulinganiselwa, kuhlanganise ezindabeni ezinjalo, akuyona kuphele iminyaka engaphezu kwemithathu. Futhi uqala kubhekwe kusukela ngosuku lapho imali kwadingeka ukuba ibuyiswe.

nokuqoqwa kwezikweletu ekutholweni kuhlanganisa ilungelo zidinga ukukhokha inzalo lemali matasa kuwo. Uma ubheka ubungako bawo ayicacisiwe, it is kunqunywa yindawo yokuhlala umbolekisi ngokuvumelana ebhange lenzalo (izinga refinancing). Inzalo okufanele ikhokhwe njalo ngenyanga ukusebenzisa imali kuze kube usuku buyiselo.

Ukuqoqwa kokuthola izikweletu kusukela okweletayo inikeza iqoqo isithakazelo nezimali ezibolekwe. Futhi uqale ukusebenzisa ngemva kwezinsuku ezingu-30 umbolekisi bafaka isimangalo zokubuyiselwa imali.

yokutakula Nezikweletu ikude kokuba inqubo elula zemibango lapho kukhona ubuqili kanye umehluko wemisindo nemiqondo yamagama, ngakho kangcono lezi zinto ukunikeza ezandleni abameli abanolwazi. Bangasiza ukubhala yesimangalo ezinhle ukuphendula yonke imibuzo futhi afeze nokugcinwa on inqubo.