Nguwuphi umnxibelelwano we-Co-sign? Yintoni ekufuneka i-Co-signer Do?
Umntu osayinayo umbolekisi wezoshishino ngumntu oqinisekisa ukuba umboleko uya kuhlawulelwa ukuba umbolekeki uphelelwe yimali mboleko. Umnini omncinci wezoshishino okhangela umboleko wesiqalo kufuneka afune ababenxibelelwano kunye nabanxibelelwano kunye nabo bazimisele ukubonisa ababhalisene nabo ukuba babuze umboleki.
Umnxibelelwano oqhagamshelana naye uyaziwa ngokuba ngumgcini-mboleko ngemboleko. Kusenokuthiwa ukuba iziqinisekiso zemboleko zentengiso ye- Small Business Administration zisebenza ngenjongo yokuba "uthayibhalane" kwiimali-mboleko zentengiso.
Kutheni umNxibelelwano weChoner Needed for Loan?
Umboleki-mboleko udinga ukuba ngumnxibelelanisi xa ufuna ulwazi oluninzi okanye ukhuseleko oluthe xaxa ukuqinisekisa ukuba umboleko uya kuhlawulwa. Amabhanki angadinga umnxibelelwano-ntsebenziswano kwiimveliso-mboleko zokuqalisa ukuthengisa ngenxa yokuba umnini-shishini omtsha akanalo imbali yentengiso yebhanki ukuthembela ekubuyiseleni imali mboleko.
Ngubani na onokumcela ukuba abe ngu-Co-signer?
Ukuba umboleki-mali uthi kufuneka ube ne-co-signer mboleko, ungathanda ukuqala kuqala kumalungu entsapho okanye ngabahlobo abasondeleyo. Umnxibelelwano mnye kufuneka abe ngumntu othembelayo, kodwa naye umntu onempahla ayifunayo ukumbambisa kunye nomntu onelungelo elihle kakhulu kwi-credit rating.
Yintoni Okufanele Ndiyazi Ngokuba Ngumbhaliselwano?
Nazi ezinye iingongoma ezifunekayo ukukhankanya malunga nabathengiselwano bezobambiswano kwiimali-mboleko zoshishino:
- Umnxibelelwano-mlingani akasayineli nje mboleko; yena wenza isithembiso sokubuyiselwa kwemboleko xa umntu obolekayo engenzi.
- Umnxibelelwano oqhagamshelwano ngokuqhelekileyo ufunwa ukuba anikezele umnqweno, kwifom yepropathi okanye enye impahla, apho ibhanki ingathengisa ukuze ibuyise imali yayo xa kwenzeka.
- Umninimzi-mvume ufuneka ukuba anikezele ingxelo yezemali , kwaye ukulinganiswa kwesikweletu se-co-signer kuhlolwe kwaye kuqwalaselwe ngokuwamkelwa kwemboleko.
- Umninimzi-mvume ufunwa ukuhlawula iindleko, ukuhlawulwa, kunye neentlawulo xa umboleki oqalayo ehluleka ukwenza njalo.
Indlela iNkqubo yoTyikityo yokuSebenza
Indlela yokutyikityina ngokusebenza ngayo ishishini okanye mboleko mboleko:
- Umfaki-sicelo angaxelelwa yibhanki okanye omnye umbolekisi ukuba kufuneka umphathiswa-mvume.
- Umnxibelelwano oqhelekileyo kufuneka ukuba abe nekhwalithi ephezulu kakhulu yekhredithi okanye, xa kuthengiswa ngemboleko yoshishino, impahla okanye i-asethi yezoshishino ezinokuthi zihlawulwe xa kwenzeka.
- Umninimzi-mvume kufuneka angene kwinkqubo yesicelo kunye nomenzi wesicelo, kufuneka avelise amaxwebhu aqinisekisa ubungakanani bemali okanye ixabiso lempahla.
- Ekugqibeleni, iimpawu zokubambisana kunye nazo zonke iimpepha zemali-mboleko, eqinisekisa ukuba uya kuhlonipha imimiselo yomboleko.
- Umnxibelelwano-cosi ufumana unxibelelwano oluvela kwibhankini kwaye uyaziswa kwimeko apho umfaki sicelo engenzi iintlawulo ngexesha elifanelekileyo.
Ngaba Ufanele Ufumane Unxibelelwano Woqhagamshelwano? Ngaba Ufanele Ube ngu-Co-signer?
Umbuzo onzima. Ukususela kwimbono yomnini-shishini ofuna umnxibelelwano, mhlawumbi yindlela yokufumana imali. Ukususela kumbono we-co-signer, mhlawumbi okanye kungabi sisisombululo esihle sokubhalisa.
Ukuba wena kunye nomnye umntu ungena kubudlelwane be-co-signer, qiniseka ukuba ufumana yonke into ebhaliweyo.