Xa ishishini lisesimo esinjalo, kukho iindlela ezininzi zokuzikhupha kwiinkathazo zemali.
Enye yezindlela eziqhelekileyo kukufaka isicelo semboleko. Ngelishwa, namhlanje kuye kwaba nzima kakhulu kumashishini amancinci ukufumana iimali-mboleko zemveli ngenxa yekhredithi embi. Amaziko amaninzi emali azimisele ukunika imali mboleko kumashishini anerekhodi engenakutyala.
Ngenxa yoko, ababolekisi bangene ukuqinisekisa ukuba kwanokuba ishishini elinesityala elibi liyakwazi ukufikelela kwimali-mboleko ngokusebenzisa i-asethi njengemali yokuboleka imali. Oku kuthethwa ngokuba yi-asethi-based based loan. Ukuba ishishini linempahla ebalulekileyo, i-asethi isetyenziselwa ukuxhamla umbolekisi, ukuba xa umnini-shishini ehluleka ukuhlawula imali mboleko, umbolekisi angaya phambili aze athengise i-asethi ukuze abuyele imali mboleko. Iye yaba yindlela elula kunazo zonke amashishini amancinci ukuba athole imali ngokukhawuleza ukuze aqhubeke esebenza.
Inkqubo yokuboleka kwe-asethi-based isingekho njengokuba ifuna ezinye iindlela zoshishino ezingasebenzisa ukufumana mboleko.
Nangona kunjalo, akusiyo yonke into elula kwaye ilula xa ifika kumalimboleko-based based ! Unobungozi bawo bonke oomashishini abafanele bawazi ngaphambi kokuba basebenzise impahla yabo njengemali yokubolekisa ngemboleko. Nanku ukujonga ngokukhawuleza kwiimfumba zeemali-based based loan to owners.
Hayizo zonke iiAfa Zenza uQeqesho njengeNgcaciso
Iqiniso lokuba ukuboleka kwe-asethi-asethi isebenzisa i-asethi yoshishino njengesibambiso asithethi ukuba nayiphina impahla ingasetyenziselwa ukuxhamla.
Ababoleki banemigangatho ethile ukuba i-asethi ifanele idibane phambi kokuba isetyenziswe njengesigxina semboleko. Ukuba uqhuba ibhizinisi, kukho ezinye izinto ezixabisekileyo kunabanye.
Uninzi lwezihlandlo umboleki-mali uya kufuna ukunika i-asethi enexabiso eliphezulu, izinga eliphantsi lokunciphisa kwaye liguquguquka kalula libe yimali ekhoyo. Oku kubonisa ukuba akuyiyo yonke i-asethi eya kudibana nayo yonke le miqathango. Kwiminyaka yakutshanje, ababolekisi baye basebenzisa iimali ezifunyenweyo ze-akhawunti njengemali yokubambisa ngemboleko kwimeko yokuba ipesenti ethile yokuthengiswa kwansuku zonke iyancitshiswa ukubuyisela mboleko. Ukuba iimali ezifunyenweyo ze-akhawunti aziqinileyo ngokwaneleyo ukuba zisetyenziswe njengobuncwane kwaye umnini-mboleko uzakufuna i-asethi ukuba isetyenziswe njengesigxina semboleko. Kodwa khumbula ukuba zonke ii-asethi ziyakulungele ukusetyenziswa njengezibambiso.
Ukuba i-asethi yokufaneleka, kufuneka ibe nexabiso eliphakamileyo, izinga eliphantsi lokunciphisa izinga okanye izinga lokuxabisa eliphezulu kwaye liguquguquke kalula libe yimali. Leyo yimiqathango eyenza i-asethi ukuba isetyenziswe njengento yokubambisa xa ifika kwimali-mboleko esekelwe kwi-asethi. Oku kuthetha ukuba ishishini elinemali efunyenwe yi- akhawunti iyanzima kwaye i-asethi ayifanelekanga iya kuba nzima ukufumana imboleko yemali-asethi.
Iindleko eziPhakamileyo
Xa kuthelekiswa nemboleko yemveli, iimali -mboleko ezisemgangathweni zibiza ngaphezulu.
Ezinye iibhanki okanye amanye amaziko emali afuna umboleki ukuba anikezele ngolwazi olunzulu malunga neefayili ezisetyenziselwa ukuxhamla umboleko. Uninzi lwezihlandlo, oku kuba bengabanini beshishini abangaqapheli naluphi na ulwazi olubonakalayo malunga nezinto zabo.
Oku kunyanzelisa abahwebi ukuba banike ulwazi oluchanekileyo malunga nexabiso langoku lexabiso kunye nexabiso lokunciphisa i-asethi. Ukuqokelela yonke loo ngcaciso yindleko ngokwayo kwaye ke ukwandisa indleko yemboleko.
Ngakolunye uhlangothi, ezinye iibhanki zingahlawulisa iintlawulo zophicotho-mali, iimali zokunyamekela kunye nomyinge wemali mboleko. Oku kuya kusoloko kwenza imali-mboleko esekelwe kwimpahla ebiza kakhulu kumashishini amancinci athelekiswa nemboleko yemveli. Xa kuziwa kwimboleko yemveli, into kuphela ehlawulwa yibhankini yenzalo kwaye akukho nto enye.
Ngokugqithisileyo, amashishini amancinci aneengxelo zeentengo ezingenakukwazi ukufumana imboleko yemveli kwiziko lemali. Le yilapho umboleko-based-based based inokuza kuhlangula kumashishini aneengxelo zeentengo ezingekho phantsi kwemali kodwa aneempahla ezibonakalayo ezingasetyenziselwa ukuzithengisa.
Ixabiso elincinci kakhulu loMgcini
Xa kuziwa kwimali-mboleko esekelwe kwi-asethi, umboleki-mboleko uhlala ekhangele i-asethi engakwazi ukuguqulwa ngokukhawuleza ibe yimali xa umnini-shishini ehluleka ukubuyisela imali mboleko. Oku kuthetha ukuba ababolekisi baya kuhlala behlisa ixabiso lebhanki ekuthethwa ngayo.
Umzekelo, ukuba ixabiso lemarike yendlu eye isetyenziselwa ukubolekwa kwemali mboleko yi-$ 300,000, umboleki-mali unokukuxabisa kwi $ 230,000 kwaye anike imali mboleko ye-$ 230,000. Le nto inzima kakhulu kumnini-shishini kuba ixabiso lomthengi liyancipha ukuba xa ungekho phantsi kokubuyisela imali mboleko, umboleki uyayithengisa njengexabiso lokulahleka ukuze abuyele imali. Olu xabiso lokubambisa lugqithisela i-asethi-based based credit option.
Kwimeko ethile, kukho ixabiso elixabisekileyo lokugcina ukwazisa emva kwexesha elithile. Xa loo mali isetyenzisiweyo njengetyala lokuboleka imali, umbolekisi ufaniswe nomboleki xa umbolekayo ehluleka ukuhlawula imali mboleko. Mhlawumbi i-asethi ethile esetyenzisiweyo njengesibophelelo semali mboleko ayixabiswanga kwi-300,000 yee-dollar kunye nexabiso lokuxabisa li-10% xa umbolekayo engakwazi ukubuyisela imali mboleko, oko kuthetha ukuba umboleki uya kuyithengisa ngentengo ephezulu kwaye ukwenza inzuzo.
Ngakolunye uhlangothi, ukuba ixabiso lembambano liyaxabisa, umbolekisi akakwazi ukuphakamisa imingalo yomboleki. Umyinge womboleko unyaka rhoqo nangona ukwanda kwexabiso lexabiso lomhlaba, elisetyenziselwa ukuthenga imali. Ezi zimbalo zibonisa ukuba umboleki-mboleko we-asethi-based will always have a hand in hand when it comes to valuation of assets.
Ukuba i-asethi iyayixabisa ngokuxabisa, inzuzo ngakumbi umbolekisi uya kwenza xa umrhwebi ehluleka ukuhlawula imali mboleko. Okwesibini, umnini-mboleko uya kuhlala ecatshulwa inani lexabiso eliphantsi kwexabiso langoku. Oku kwenza ukuba ufanelekele umboleko omncinci kunokuba ulindele. Ngoko ke, imali-mboleko-asethi-asethi ayikho kakuhle njengoko ucinga ngayo.
Ingozi Yokulahlekelwa Iimpahla Ezixabisekileyo
Njengoko kushiwo ngaphambili, imali ebolekwa ngempahla yinto ebolekwa ngayo umboleki apho umntu obolekayo esebenzisa ixabiso elixabisekileyo njengento yokubambisa ukuze anikwe umboleko. Isetyenzisiweyo esisetyenzisiweyo singathengiswa ngumboleki-mboleko ukubuyisela imali enikwe umntu obolekayo xa umboleki ehluleka ukuhlawula imali mboleko.
Ukuba uhluleka ukubuyiselwa imali, umboleki uya kuza ngokuqinisekileyo kwi-asethi esetyenzisiweyo njengobuncwane kwindawo yokuqala kwaye uyithengise. Xa oko kwenzeka, umboleki-mali wenza inzuzo enkulu ngakumbi kwiimpahla ezixabisekileyo zihlala zixabisa kunye nexesha elinjengeendawo zeshishini okanye oomatshini. Oku kuya kwenza umntu obolekayo alahlekelwe yimpahla exabisekileyo eyayiza kusetyenziswa ukuzisa ukukhula kwoshishini kwixesha elizayo elizayo.
Ngamanye amaxesha, ishishini lingahluleka ukuhlawula imali mboleko kwaye ixabiso eliye lisebenziswa njengento yokubambisa linenani eliphantsi kakhulu lemarike kangangokuba nangona kuthengiswa, imali ayikwanele ukucima imali mboleko. Xa oku kwenzeka, umbolekisi uya kunyanzelwa ukuba athabathe ezinye iimpahla ebhizinisini ukuze athengise kwaye abuyisele imali ngokupheleleyo. Oku kuya kwenza ukuba umntu obolekayo alahlekelwe yimpahla exabisekileyo.
Ngokomzekelo, usomashishini angasebenzisa imoto njengento yokubambisa kodwa ekubeni imoto ixabisa ixabiso, ukungaphumeleli ukuboleka imali iya kuphoqa umboleki ukuba athengise imoto kwaye ukuba ixabiso lemoto liphantsi, ke umboleki angase eze indawo. Oku kuthetha ukuba uya kugqiba ukulahlekelwa yowomntu imoto kunye nomhlaba wokubolekwa kwemboleko ukuba uhlawulelwe ngokugcwele.
Ngaphezulu kwemali
Enye mngcipheko omkhulu wokubeka impahla njengento yokubambisa imali mboleko ingaphezulu kwendleko. Ukuba usebenzisa izindlu njengezibambiso zemali-mboleko, uya kugqiba ukuhlawulwa ngaphezulu kwemali mboleko kunokuba unako ukulingana. Ukuba ixabiso lezindlu lihla, ke umboleki uya kunyanzelwa ukuba athathe imali engaphezulu kwiwe ukuze abuyiselwe imali.
Oku kukubhekiselelwe kuyo ngokubhekiselele kwimpahla yakho. Lo mngcipheko omkhulu ukuba ishishini alifanele lize liphume ekubeni umnini-shishini unokulahlekelwa yonke into ebalulekileyo ebhizinisini ehlawulwayo kumbolekisi xa kufike ukubuyiswa kwemboleko.
Oku kubonisa ukuba ukusebenzisa i-real estate njengentengo yokubolekwa kwe-asethi-asethi ayikho enye yezona ndlela ezikhethileyo. Okokuqala, kuza ixesha apho imarike yendawo yokuhlala ihla. Xa oku kuhambelana nezoshishino ezingenakubuyiselwa mboleko, ke umnini-mboleko uza kuthengisa i-collateral in question kwaye ukuba angenayo imali eyaneleyo yokubuyisela mboleko, ngoko ke kufuneka ngaphezulu kwipropati kufuneka ibanjwe ngumboleki. ukufumana imali. Lo mngcipheko omkhulu njengoko ishishini lingahle lilahlekelwe yiyo yonke impahla yayo ngexesha elide.
Ayikwakha kwi-Business Score Score
Into embi ngeemali-mboleko ezikhuselekileyo kukuba abayakheli kwikhredithi yoshishino. Oku kungenxa yokuba into yokuba nayiphi na ishishini elifikela kwindawo yokusebenzisa i-asethi yalo njengesibambiso semboleko-mboleko ibonakala ingenakulinganiswa ngemali.
Ngaloo ndlela, ukuba unomntu womntu ofuna ukwakha inkokhelo, ukuya kwi-loan-basis based based will not be the best option for you. Oku kuyimfuneko kumbolekayo ngokukodwa umntu ozibophelele ekubuyiseleni imali mboleko ngexesha elivunyelweneyo. Ukuba uthatha imali-mboleko-based based and struggle to pay it back fully, it will not add anything to your credit report.
Xa uqhathanisa iimali-mboleko ezisemgangathweni kwiimali-mboleko zendabuko ngokwendlela yokwakha ingxelo yengxelo yekhredithi yebhanki, ngoko-mboleko yemveli ibhetele kakhulu. Xa uhlawula umboleko wendabuko ngexesha, i-credit score will go up with time. Inqaku elihle lekhredithi lenza ibhizinisi lakho lithandeke kubabolekisi, ngoko ke ukufumana imali mboleko kuba lula.
Wonke umntu obolekisiweyo uya kuba ngu-90% oqinisekileyo ukuba nayiphi na ishishini elinomlinganiselo omhle wamatyala uya kuba nako ukuthumela intlawulo yemboleko ngexesha. Nangona kunjalo, nangona uhlawula imali-mboleko-based based on time, it will not improve your score score. Isishwankathelo, amaninzi amaxesha onke ama-mboleko aqinisekileyo anemiphumo engavumelekanga kwimilinganiselo yemboleko yoshishino.
Ukubekwa esweni rhoqo kweeAfa ukuqinisekisa ukuxabisa
Xa usebenzisa i-asethi yoshishino lakho njengesibambiso sembolekisi, umboleki okanye isikhungo sezimali esikunike sona mboleko siya kukufuna ukuba uhlale ubeka iliso kwinqatyana ukuze uqinisekise ukuba usemgangathweni kwaye unokuthengiswa ngokulula Xa ungeke uhlawule umboleko. Uya kunyanzelwa ukuba ubhale iingxelo malunga nemeko ye-asethi rhoqo ngoku. Enyanisweni, umboleki-mboleko angakhokelela ukuba ufanele usebenzise i-asethi ukuze uqinisekise ukuba ayinxiba kwaye ayikrazula.
Ukubeka iliso rhoqo kunokunxinwa kwaye kunzima. Ngamanye amaxesha ababolekisi banokufika baze bafike kwindawo yakho ukuze benze iliso ngokwabo. Oku kuya kuthatha ixesha elininzi lakho kwaye kunokukunyanzela ukuba uhlehlise ezinye iindibano zoshishino. Njengokuba oko akwanele, umboleki-mboleko unakho ukunika izikhokelo malunga nendlela i-asethi izakusetyenziswa ngayo ukuze igcine ixabiso layo.
Le nto ayiyinto enqwenelekayo kumnini nawuphi na umnini-shishini kodwa ngeemali-mboleko ezisemgangathweni, uya kufuneka ugcine izikhokelo zomboleki. Iingxaki ezingenhla zibonisa ukuba imali-mali esekelwe kwi-asethi ayinjalo ngabanini bezoshishino abanokucinga. Ngaphambi kokuba wenze isigqibo malunga nokusebenzisa i-asethi yakho njengento yokubambisa ngembolekiso, kufuneka uqale ucinge ngale mijelo engentla.