Ukuphucula amathuba akho okuXhobisa iMboleko yakho yeeNkampani
Ukuba ngumrhwebi akufunanga nje ingcinga yoshishino kodwa ixhomekeka ekuphakanyiseni imali. Ngokwenene, akukho shishini lingaqaliswa okanye landiswe ngaphandle kokuhamba kwemali. Abanini bamashishini abancinci baninzi banenkathazo yezemali eyenza abaninzi babo beyeke into ekuya kuba yinto eguqukayo emhlabeni jikelele. Kukho amaziko amaninzi eemali namhlanje ekulungele ukuxhasa iimali ezinobungcali kodwa usenokufumana uxhaswa ngemali ukuba uzimelele njengenkampani ebanzi.
Zonke izigqibo zezezimali azenziwanga kwiphandle. Amabhanki enze uvavanyo olupheleleyo lwazo zonke izicelo ngaphambi kokuvuma. Ngelishwa, amanini amancinci amashishini amancinci angaphumeleli kule mboleko kwaye akubangenxa yeengcamango zoshishino ezazisasazekayo kodwa ngenxa yokungahambi kakuhle kwezicelo zemboleko . Iphutha elilodwa kwisicelo linokuthi unqabe. Kwiimeko ezininzi kubangelwa ukucinga ukuba ezinye iinxalenye zesicelo semboleko okanye ulwazi oluthile oluceliwe aluyi kuhlolwe ngumboleki.
Nangona kunjalo, ukuphepha ukuthatyathwa kwinqanaba, nantsi iifayile zenkxaso-mboleko yeemfuno zentengiso yeemfuno zebhanki eziqhelekileyo zokuqwalasela:
Ukungabi neeRekhodi zeMali eziHlomelo
Iphutha eliqhelekileyo ukuba abaninzi abanikazi bamashishini abenzayo xa befuna imali mboleko kunaliphi na iziko lezemali alinalo ixesha lokusebenza kwiimali zabo. Ngelishwa, zonke iibhanki zifuna le ngcaciso ukuqinisekisa ukuba ishishini lakho lizinzile kangakanani ngaphambi kokufaka imali kuyo.
Ukuba injongo yakho kukunyusa ishishini lakho, naziphi na iziko lezemali liza kufuna ukwazi ukuba ishishini abanemali liyakwazi ukubuyisela imali mboleko okanye iyakwazi ukuzinza kwixesha elizayo. Naluphi na ulwazi lwezemali malunga nebhishini lakho kufuneka lube lucacileyo kwaye lubonakale.
Ekubeni iibhanki zifuna le nkcazelo, uninzi lwabanini bezoshishino banokuphelisa amanani okupheka ukwenzela ukukholisa ibhanki ekulibale ukuba ibhanki isenokuqinisekisa ubungqina kwisicelo sakho.
Oku kukhokelela ekukhanyekeni kwemali mboleko ukuba inkqubo yokuqinisekisa ibonisa amanani ahlukeneyo kwizinto ozifakayo. Kuhle ukunyaniseka ngolwazi olugcwalisa kwifom yesicelo-mboleko ukususela xa kufunyenwe ukuba yinyani, uya kuthi ufumane imali mboleko nakuba loo mali ingaba ngaphantsi kwezinto ozicelileyo. Ukuba ufuna ukwandisa amathuba okuvunyelwa kwezoshishino, bonisa amanani ebhalansi athembekileyo, iingxelo zemali yokuhamba kunye nanoma yimaphi amaxwebhu afanelekileyo afunwayo.
Akukho Ukucaciswa kokusetyenziswa kweeNgxowa-mali
Nawuphi na umbutho obolekisa ngemali uza kuba neliso elijonge kangakanani nawuphi na umenzi wesicelo somboleko ozimisele ukusebenzisa imali ukuze kukhuliswe imveliso yezoshishino zabo . Ngelishwa, into eqhelekileyo kukuba abanikazi bamashishini abancinci abachazi kakuhle kakuhle indlela abaza kuchitha ngayo imali abayicelayo. Oku kukukhokelela ekukhanyekeni kwemali mboleko ngabathengi baninzi kuba umboleki ufuna ukuboleka imali ukuze unako ukwandisa imali engenayo yoshishino kwaye ukwazi ukubuyisela umboleko ngemali.
Amabhanki afuna ukuba uchithe imali kwizinto ezilungileyo eziza kuphucula isithuba sakho soshishino sangoku. Umboleki ufuna ukufumana iimfuno zoshishino lakho kwaye ahlole ukuba imali ebolekayo yaneleyo ukuhlangabezana nezidingo.
Kufuneka ubonise ibhanki ukuba xa ufumana imali mboleko, kufuneka isetyenziswe ekuphuculeni ukusebenza komsebenzi wakho kwaye ube nefuthe elihle. Yenza iingongoma zakho zizwakala kwaye uchaze iingenelo onokufumana xa ufumana iimali ozifunayo. Njengesishwankathelo, kufuneka ukuba ube mfutshane kwaye uze uqonde iimfuno zakho kunye nendlela ezi mali ziza kukunceda uqale ngayo ingcamango yakho okanye wandise ishishini lakho.
Ukungazi Iingqinisiso Zemali Yakho
Iphutha lokungazi ukulinganiswa kwemali mboleko yakho ngaphambi kokufaka isicelo semboleko kungakhokelela ekukhanyekeni kwemali mboleko ukuba i-credit yakho inemibuzo onokungazi. Iingxelo zeentengo zemboleko zichaza ngokucacileyo indlela othembekileyo ngayo xa kuziwa ekuhlawuleni iibhilikhwe kunye nawaphi na amatyala. Isibalo sinokuxelela ukuba umntu unokuthemba wena ngemali okanye cha. Abanye bethu abakhange bahlolisise iingxelo zeentengo zekhredithi rhoqo.
Kufuneka usebenzise le nto njengetshe ehambayo kwimpumelelo yakho yezoshishino.
Iindaba ezilungileyo kukuba iphakamileyo yekhredithi enayo , iphakamileyo amathuba okubolekisa imali yakho. Ukongeza, umboleko ungavunyelwa ngokukhawuleza xa kuthelekiswa nalabo abanokulinganiswa kwetyala eziphantsi . Ngaloo ndlela, ngaphambi kokwenza nayiphi na imvume yokubolekwa kwemboleko, qiniseka ukuba iindleko zengxelo yakho zifikelele kwaye ziqinisekisa ukuba akukho ziphoso kwingxelo ebenokubangela ukulinganiswa okuphantsi. Xa kwenziwe, imboleko yakho yebhankini iya kufumana ngokukhawuleza njengoko ukulindele.
Isicelo seMali esikhatywayo
Kubalulekile ukuqaphela ukuba ininzi yabanini-shishini abancinci balinde kude kube sekwephuzile ngaphambi kokungenisa isicelo sabo semali-mboleko . Uninzi lwezi zihlandlo xa zifuna imali. Oku kwenza ukuba bawele kuyo nayiphi na isiphumo. Ezinye zezi zinto zinikezela ukuba abanikazi bamashishini amancinci bafikelela ekupheleni kweerhafu eziphezulu kakhulu kunye neminye imigomo engalunganga. Ukuze ugweme konke oku kwenzeke kuwe, kufuneka uthathe ixesha elifanelekileyo kunye neentengiso ngeenxa zonke zokuthenga ngemali mboleko edolophini ngaphambi kokukhetha. Ngaphambi kokuba wenze ukhetho, njalo uhlala ukwenza ngokukhawuleza uzinike ixesha lokuvavanya ukhetho oluhlukileyo. Kufuneka ufumane
umboleki-mali onikezela ngemali iimfuno zakho. Kufuneka uqikelele into abanayo etafileni kwaye ingaba iyanelisa. Ngokwenza njalo, uya kukwazi ukugqiba ngeyona ndlela inokukhetha. Ukongezelela, uya kuba nexesha lokufumana yonke inkcazelo ibhanki idinga ukuvunyelwa ngokukhawuleza kwemboleko.
Akukho Cwangciso so shishino
Xa uphuma uhambo, kufuneka ube nebalazwe yendlela oya kuyo. Kuyafana nokusebenza kwishishini. Kufuneka ube nebalazwe yendlela ebonisa ngokucacileyo ukuba ufuna ukusebenzisa ibhizinisi lakho ngenjongo yokukhula. Isicwangciso soshishino kufuneka sithunyelwe kunye yakho
zicelo. Ininzi yamabhanki namanye amaziko emali afuna umntu onenjongo, unomdla kwaye unemarike ekujoliswe kuyo. Umngcipheko weemarike ozama ukuwufakela kufuneka uqulunqwe. Ngamafutshane, kufuneka ubonise umnini-mboleko ukuba ukujoba imali kwishishini lakho kuya kuba nako ukuvelisa imali engaphezulu.
Xa usenza uphando olunzulu kwisicwangciso sakho sezo shishino , lubonisa ababolekisi abanokuba ngaba uyazi ukuba ufuna ntoni kwaye uxoxisana nento ofuna ukuyifumana. Ukongezelela, ukuba isicwangciso sakho sinakho ukukhangela inzuzo, ababolekisi baya kukhawuleza bahlawule imali kwiakhawunti yakho kuba beqinisekile ukuba ishishini linakho ukulibuyisela ngaphandle kweengxaki zemali. Isicwangciso soshishino esifanelekileyo kufuneka sibe nemiba efana ne-market target, iinjongo zoshishino kunye nokukhula okuzayo kulindeleke kwabanye.
Ukufaka isicelo sohlobo olungalunganga lweNgxowa-mboleko
Ukusuka kumbono weengcali zezemali, phambi kokuba nayiphi na ishishini loshishino lisebenzise ngemboleko , yena kufuneka aqwalasele kuphela iindleko abazifunayo kodwa kunye nelo hlobo lomboleko osebenza kuloo ndawo. Kukho iintlobo ezahlukeneyo zemboleko ezibhekiselele ekufumaneni iimfuno ezahlukeneyo zamashishini kwaye ngoko ke ukuba ufuna ukuboleka kuyo nayiphi na amaziko emali, kufuneka ufanise iimfuno zakho zemali kunye nohlobo lweemali-mboleko ezibhekiselele kwiimfuno ezinjalo.
Uninzi lwezihlandlo ezincinci zezicelo zemboleko zoshishino ziyahlaselwa ngamabhanki kungekhona ngenxa yokuba le ngcamango yayingacacanga kodwa ngenxa yokungabikho kwezicelo. Imfuneko onayo njengeshishini kufuneka ihambelane nento oyifunayo. Ngokomzekelo, umnini-shishini akufanele afake isicelo somboleko wesikhashana esifanele ukuxhasa imali yazo. Oku akunakwenzeka kwaye ibhanki ayiyi kuba nayiphi na enye into ngaphandle kokugatya isicelo sakho. Kwakulungile ukuba uqaphele ukuba zonke iintlobo zemboleko ziza kwiphakheji ekhethekileyo enomyinge we-interest rate, ubude bexesha lokubuyiselwa njalo njalo njalo. Oku kuthetha ukuba xa ufaka isicelo solu hlobo lwemali-mboleko engafanelekanga, kunokugqitywa kukubiza ngexabiso elingakumbi. Ngako oko, kukuhlala kulungile ukuba wenze uphando olusemgangathweni malunga nohlobo lwemboleko ekhoyo ehambisana nezidingo zakho ngaphambi kokuba wenze nayiphi na isicelo sokunciphisa amathuba okugatywa.
Ukutshintshwa koBuchule beShishini
Enye yeephoso ezithatyathwa ngabanini bezoshishino zilungelelanisa iintsuku zoshishino ngaphambi kokufaka isicelo semboleko. Ukwenza oko kungabonwa kakubi ngababolekisi ngokucinga ukuba bekukho into engalunganga ngokuphathwa kwezoshishino. Bafuna nokubona ukuzinza kwishishini ngokwemiqathango yabathengisi abasebenza rhoqo kunye njalo njalo. Ngamafutshane, ishishini oqhubayo kufuneka libe nembali apho iibhanki zifumana ulwazi olubonakalayo. Oku kungabonakala kungenayo ingxaki kodwa kumboleki, kuyona nto ibalulekileyo. Ukuba ngaba yedwa yedwa, kulungile ukuba ungatshintshi uhlobo lomthengisi osebenza naye. Oku kungenxa yokuba utshintshi umthengisi angabomvu ebhanwe yibhanki mhlawumbi awukwazi ukuhlawula amatyala omthengisi wangaphambili kunye njalo njalo. Ngoko ke, akucebisi ukuba utshintshe into oyenzayo okanye osebenze kunye neentsuku phambi kokuba wenze nayiphi na isicelo sesicelo semboleko.
Ukungafundi Imigaqo yeMboleko Ngaphambi kokusayina
Nabani na umnini-shishini kufuneka angalindelanga ukuba kubekho ingxaki yemali eyenzekayo ukuba afake isicelo semboleko. Inokukuhlasela inkxalabo enkulu kunengxaki yemali onokuyenza. Nangona kunjalo, ukuba ulinde kude kube yinkathazo yakho emnyango, uya kuba nomnqweno wokufumana nabani na ongayifaka imali ukugcina ibhizinisi lakho ngaphandle kokufuna ulwazi olunzulu olubhalileyo. Abanye ababolekisi bangakusebenzisa ukuba ubhalise iimali-mboleko ezinokubangela ukuba kubekho ingxaki kwixesha elizayo ngemali.
Yingakho kuhlale kulungile ukuthatha ixesha ngaphambi kokuba usayine nayiphi na uhlobo lomboleko wezoshishino . Yiba nexesha elithile lokwenza imibuzo eninzi kangangoko kunokwenzeka malunga nemboleko oyifunayo. Oku kuya kuba kuhle kuwe nakwi shishini lakho.
Iimpazamo ezincinci ezingentla apha ngabanini bamashishini amancinci xa benza izicelo zabo zemali mboleko zenza ipesenti ephakamileyo yokuchasiswa xa kuthelekiswa neengcinga ezimbi. Oku kubonisa ukuba ngaphambi kokuba nayiphi na isicelo semboleko siyakwamkelwa, kungekhona nje ingcamango efunyenwe kodwa kunye nolwazi olubalulekileyo olunikezelwa kwisicelo ngokwaso. Njengoko kunjalo, ulwazi luhlolisiswa ngakumbi kuba lufanele lwenze ingqiqo ngaphambi kokuba ibolekwe imvume.
Ngaloo ndlela, kubalulekile kubo boosomashishini abatsha nabanobuchule ukuba baqinisekise ukuba ulwazi olufakiwe luyamkelekile kwaye lukhululekile kwiimpembelelo ezingentla. Kulungile ukuba uqaphele ukuba ezi mpazamo zilula ezenza siphumelele kwizicelo zemboleko zemali mboleko. Iingcamango zoshishino lakho kufuneka zichaze kwaye zinike umnini-mboleko ingqiqo malunga nombono wakho.