Umthengi wesikweletu ngabanye - kancane leqiniso uchwepheshe

Amasevisi ethandwa kakhulu ezihlinzekwa ngamabhange - lena abantu umthengi credit. Futhi akumangalisi, ngoba lolu hlobo abolekise kungaletha imali kuhle yisikhungo sezinhlangano eziphambili zezezimali wezwe lakithi. Lokhu kungenxa abalulekile senzalo. Ngakho-ke, unyaka, kubhekelwa ikhomishini akhawunti kanye isithakazelo overcharged abathengi mayelana 40% yemali ebolekwayo.

Umthengi credit ukuze abantu: ezinye izici

emakethe - ngabanye waqasha izisebenzi. Credit ekhishwe kuphela yomqashwa. Inani mali kuxhomeke zokugcina amaholo osayizi. Ngisho noma ukukhangisa uthi ibhange ukuthi kwakuthiwa ungathola imali ethe ukheshi, credit kancane izobalwa kuphela ngesisekelo iholo lakho. Ngokuyinhloko, esiphezulu loan Isamba amaholo mayelana ezintathu. Ngemva kwalokho, uma lokukhokha komunye oyedwa ngesikhathi ukufeza izibopho zayo, ibhange ingase ikwenze uzibuze umkhawulo kuya kweziyisithupha amaholo Isilinganiso sanyanga ka umboleki.

Izinga lenzalo yemali mboleko emalini ebolekwe umthengi kubantu zemvelo lingaphezulu kakhulu kunezinye imikhiqizo loan. Lokhu kungenxa okusezingeni eliphezulu credit ingozi: Eqinisweni, lolu hlobo isikweletu hhayi kuvikelwe izibambiso. Ngaphezu kwalokho, kukhona njalo ingozi abantu ixoshe emsebenzini, bese okuvela izinkokhelo sekwephuzile. Ayikho into okuthiwa ongaphakeme umthengi credit - kuyinto amacebo okuthengisa ongawacabanga izinkampani zezimali. Nge ongaphakeme zenzalo kuzoba akunakunisiza ebhange.

Ithanda phambi Ukukhetha yasebhange ayemkweleta ukujwayelana imigomo obolekisayo. Kukhona amacala ukuthi munye kuphela senzalo ungezwakala ekukhangiseni, kodwa empeleni kukhona nyangazonke myalo, umshwalense nokunye.

Ihlola ukuthi lo muntu obolekayo ebhange lapho wenza loan?

Njalo yasebhange izama ukudlala uphephile futhi ukunciphisa izingozi ezithile. Ngakho-ke, lapho ababoleka bayacelwa ukukhipha ukubolekisa umthengi ukuba abantu, ibhange waqalisa ukuhlolwa olunzulu.

Eyokuqala elwenzile umboleki-credit bureau (CRB). Uma usuvele wakhipha loan, i-credit bureau izokhipha isicelo imininingwane yasebhange mayelana yokuhlengwa kwakhe, kanye ukukhiqiza isilinganiso sakho. Kusukela lolu lwazi kuncike esinqumweni obengeziwe ebhange eboleka ezingaba umboleki.

Ngamunye indlela yasebhange umlando credit lihlukile: abanye ukuthatha ulwazi eminyakeni emibili, omunye iminyaka emihlanu.

Sithanda ukusho umthengi credit ngaphandle imibuzo emiholweni. Inani ukubolekisa ezinjalo kuba ephansi kakhulu kunalokho anemibuzo futhi amanani - elingaphezulu kakhulu kwaleli. Ngakho-ke, ukusebenzisa loan ezifana Kunconywa kuphela ezimweni ezimbi kakhulu.

Amaphuzu ukucabangela ababoleka ezingaba

• Ngaphambi athathe isikweletu, udinga ukuthi ucabange kahle ngalesi sikhathi. Ngokungadingekile akudingekile ukuba ukuthathe.
• Nakani yini inkokhelo ekhululekile loan, okuyinto ingeqi 25% imali yakho net. Kulokhu, lo muntu obolekayo kuyoba imali mahhala, senzelwe ezinye izinjongo.
• Musa futhi bazishaye isifuba "kuya izinhlamvu zamehlo", kusukela ushintsho phansi umholo kuzoholela ubuhlongandlebe ku loan.
• Unake umlando wakho wokuthenga ngesikweleti, ngoba awazi ukuthi yini engase yenzeke empilweni, ngakho zinakekele ikusasa.