Imirhumo yeeNkxaso zeMali

Imali Yengxowa-mali yokuQala okanye ukuNyuka kweShishini

Imboleko yemali yokuthenga iyithengi apho umbolekayo ethatha i-asethi (isithuthi, umzekelo), imali ichithwe ukuthengwa kwempahla, kwaye umboleki uya kubuyisa imali mboleko kwiintlawulo okanye kwiintlawulo kwixesha mboleko.

Kwimali mboleko yemali yesitolimende, inani leentlawulo limiweyo, ngokuchasene nekhredithi ejikelezayo, apho iintlawulo zitshintshile ngokulinganisela (njengakwikhadi lesikweletu).

Isivumelwano sokufaka isitifiketi sichaza imiqathango yemboleko. Isivumelwano mazihambelane neemigaqo zeNyaniso kuMthetho Wokuboleka.

Iimali mboleko zemali zifumaneka kwiintlobo ezininzi zokuthengwa kwezorhwebo. Imboleko yesakhiwo soshishino, umzekelo, luhlobo lomboleko wentengo, njengokuba umboleko wesikiti kwisithuthi seshishini. Iimali mboleko zee-installment zihlala zizilungelo ezifanelekileyo ekuxhaseni ukuthengwa kwempahla yeevenkile, kuba ixesha lokuboleka imali lingalingana nobomi bexabiso. Ngokomzekelo, umboleko wemoto udla iminyaka emi-3 ukuya kweyesi-5, apho ixesha eliphakathi kwemoto liphantsi kokuba lithengiswe kwimodeli entsha.

Iintlobo kunye neMimiselo yeNgxowa-mboleko yokuThengiswa kweShishini

Ezinye imizekelo yezicwangciso zentlawulo zibandakanya:

Imigaqo eqingqiweyo kwiNgxowa-mboleko yeMiqathango

Iimboleko zemali zentlawulo okanye zingafuneki ukhuseleko, ngendlela yokubolekisa (njengemali-mboleko yemoto), kodwa ezininzi iimali mboleko zihlanganiswe nokuthengwa kwempahla, oko kukukhuseleko.

Ngaphambi kokuba inkokhelo yemali yesitolimende inikezwe, i-asethi okanye i-asethi ezixhomekeke ekuthengweni kufuneka zixabiswe, kwaye ixabiso layo lemarike elungileyo linikezelwe. Iirhafu zenzalo kwiimali-mboleko zentlawulo ziyahluka, kuxhomekeke ekubeni imboleko ikhuselekile kunye nokulinganiswa kwesikweletu somboleki.

Ukufumana iMboleko yeeNkqubo zokuQala ukuShishino

Ukufumana imali-mboleko nayiphi na uhlobo ekuqaleni ishishini kuyinkqonkqo kuba ishishini lingenalo nayiphi na impahla engasetyenziselwa ukubambisa ngemboleko. Umboleki-mboleko angafuna umntu obolekayo ukuba anikeze ukhuseleko olongezelelweyo, ngendlela yempahla yakhe okanye umnxibelelwano- mboleko.

Indlela efanelekileyo yokufumana umboleko wesikhokhelo ekuqaleni ishishini: