Yazi ukuba zeziphi iindlela ezikhoyo kwiimarike.
Ukuqala ishishini lakho elincinci ngumcimbi othakazelisayo kwaye onomdla. Kukho iindlela ezininzi zokuhlola kunye nokugqiba. Enye yeyona nto ibaluleke kakhulu yindlela yokufumana imali oya kuyidinga ukuba ungene kuyo kwaye uhlale kwishishini ixesha elide. Ngelishwa, oku kunokukhathaza kakhulu, ingakumbi ukuba awuqhelani nezikhetho ezifumanekayo kuwe njengeentlobo ezahlukeneyo zemboleko.
Oku kubandakanya umgca woshishino lwekhredithi olungakhuselekanga okanye okhuselekile.
ILungelo eliKhuselekileyo
Xa isikhungo semali, nokuba ibhanki, umanyano weentengo zemali, okanye uhlobo oluthile lwemali-mboleko, bahlala benjenjalo ngokusebenzisa umgca we-credit. Oku kuthetha ukuba imali ibolekwe kumntu okanye kwishishini malunga nolunye uhlobo lokubambisa. Kwimeko yemboleko ekhuselekile, ukuba imali leyo ihlawulwe, iziko lemali liya kufumana imali xa ipropathi ithengiswa. Ukuba ikhredithi enqwenelekayo ifom yekhredithi yekhredithi, ishishini lifakwe kwiziko lemali elwandisa i-credit kwisixa esilingana nomda wesikweletu. Isixa semali sigcinwe de kube lixesha njengoko isikhungo sichaza ukuba ishishini alisayi kuba ngumngcipheko wekhredithi kwaye imali ibuyiselwa kumbolekayo. Ukuba umntu obolekayo engafanelekanga kumgca wekhredithi yakhe, imali ifunyanwa liziko.
INgxowa-mboleko
Ukuba ishishini linomthombo omuhle wokuhlawula amatyala abo ngexesha kwaye ngokugcwele, amathuba amaninzi kakhulu ukuba abanini baya kunikwa umgca okhuselekile wekhredithi.
Ukuba ishishini elitsha linomlando weebhanki-mali, umnini unokufumana inkokhelo engakhuselekanga, okanye ukuba umnini usebenzisa iimbali zakhe zemboleko njengesiqinisekiso, unokufumana uncedo olungenakutyala. Kwakhona kunokwenzeka ukuba umnini-shishini omtsha unokufumana iitaliti ezingakhuselekanga ezisekelwe kwisicwangciso soshishino esingafakwa kunye nesicelo.
Kwiimeko ezinjengeli, isikhungo sinokunika umgca wekhredithi yoshishino olungakhuselekanga malunga nezicwangciso zesicwangciso soshishino, nangona oku kudlalwa rhoqo kwiimeko zemali-mboleko emancinci de kubekwe imbali yebhanki yebhanki.
Xa ishishini liye lenza umlando wentengo enetyala , loo shishini linokunikezwa umgca woshishino lwekhredithi olungakhuselekanga kunye namakhadi eentengo zemboleko zoshishino . Le mizila yoshishino engaxhaswanga yintengo yemboleko inqunywe ngamanani amaninzi kubandakanywa imali, iindleko, ikhredithi esele isungulwe, kunye nenani leminyaka ishishini lisebenza. Cinga ngolu hlobo njengoko ulungiselela umfanekiso webhishini lakho, bobabini ngaphambili kwaye baxhomekeke kwikhredithi oyifunayo. Ukuphucula umfanekiso, bhetele amathuba akho aya kukufumana ityala.
Ndifumana njani iMboleko?
Ukufumana ikhredithi kwishishini lakho yinto nje yokwenza isicelo kwiziko lakho lemali. Njengokuba kunjalo nangayiphi na inkokhelo, kuyona nto ibhetele ukuyifaka isicelo kwiziko eliseqhelene nawe nakwi shishini lakho. Yaye ngelixa kulungile ukuthenga ngeenxa zonke namanye amaziko ekuphishekeleni amaxabiso angcono, ngokuqhelekileyo ukulungele ukugcina konke unakho kunye naloo usenekho shishini.
Uya kufumanisa ukuba njengoko ishishini lakho likhula kwaye imbali yakho yokusebenzisa ngetyala ngokuhlakanipha isungulwe, iziko lakho liya kuba likulungele ngakumbi ukuthatha amathuba amaninzi nawe njengoko ufuna ukunweba.
Yintoni endiyidingayo?
Nangona iintsuku zokuqhuba ishishini nebhanki yakho ngokubambisana ngokukhawuleza ziphelile, uya kufumana njengoko ufumana amava amaninzi kangangokuthi ukuthembela kuseyona nto ibaluleke kakhulu xa ufumana naziphi na iitaliti. Ngenxa yoko, xa unako ukubonisa ubungqina bentengo-mboleko yokuba unenjongo enhle ngemali / ngetyala lakhe, kunokwenzeka ukuba uya kufumana i-credit. Ukumbonisa amaxwebhu afana nesicwangciso esicacisiweyo seshishini, izitatimende zemali zesintu kunye nezinye izixhobo zoshishino ziya kuhamba ixesha elide ekuboniseni ukuba unako ukuphatha i-credit yekhredithi ngokufanelekileyo.
Kuphela emva kokuba umnini-shishini ahluleke kule mbopheleleko ukuba izinto kwihlabathi leebhanki ziya kuqala zikhangeleke kakuhle, ngakumbi xa ufuna uncedo.