Xa ishishini elincinci lisebenza kwi- mboleko yebhankini, ibhanki okanye omnye umboleki ulandela umgaqo othile xa uvavanya isicelo. Into enye ebhanki isebenzisa ukuhlalutya kwekhredithi ka-5 C ukuvavanya isicelo somboleko. Bhanki bavavanya ishishini elincinci kumxholo we-5 C ukwenzela ukuba babelane ngemali yabo ephantsi. Qinisekisa ukuba isicelo sakho sembolekiso sidibanisa ngalinye lala manqaku ngokubanzi kwaye uza kuphumelela ngakumbi ekufumaneni imali yakho.
01 - Ukwazi
Ngokombono webhanki, i-"C" yokuqala, amandla, ingabaluleke kakhulu. Ukwazi ukubhekisela kwikhono lokwenza i-mboleko. Kwi sicelo sakho semali mboleko , kufuneka uxoxe ngokucacileyo ukuba kwaye nini na uzimisele ukubuyisela umboleko. Akukuphela nje ukufuna ukuchaza imali engenayo kunye neendleko zakho , kodwa kufuneka kwakhona ubonise inani lokuhamba kwemali yakho kunye nexesha lokuhamba kwemali malunga nokuhlawulwa kwemali. Ubungakanani bendawo bubhekisela kwingxelo yakho yekhredithi. Ingaba unamanqaku okuthenga ngetyala ? Ibhanki iya kujonga imbali yakho yokuhlawula yangaphambili, zombini ishishini kunye neyakho. Musa ukulibala ukubonisa yonke imvelaphi enokwenzeka yokubuyisela kwisicelo sakho.
02 - Ulwabiwo
Ulwalamano lubuhlobo obuhlukileyo kumandla. Ukubambisana kubhekisela kwiifom zokukhusela ongazinika kwiibhanki okanye omnye umboleki. Ubutyebi bokuba izakhiwo okanye izixhobo eziphantsi kweshishini lakho elincinci okanye wena ngokwakho, kuquka nekhaya lakho. Ubutyebi bungabandakanya isiqinisekiso somnye umntu, ukuba ungeke uhlawule mboleko, elinye iqela liya. Njengoko imali iqina ngoqoqosho, kukho ithuba elongeziweyo lokuba iibhanki ziza kufuna iimqinisekiso zemboleko ngokungezelelwe ekubambeni. Unokwazi ukuqinisekiswa kweemboleko ngegama elithi "co-signer."
03 - Inkunzi
Inkunzi, kulo mongo, ibonisa utyalo-mali lomnini kwishishini. Xa ufaka isicelo semali mboleko yebhanki, umnini kufuneka abe notyalo-mali obalulekileyo kwishishini ngaphambi kokuba umbolekisi aze acinge ukuba enze umboleko wezoshishino. Igosa leboleko mboleko liza kujonga ngenyameko kunye nemigangatho yemali eyinkunzi umnikazi kufuneka anikele ngayo.
04 - Iimeko
Iimeko zimbini. Okokuqala, iimeko zibhekisela kwimozulu yezoqoqosho jikelele kunye neendawo zangaphandle ezungeze ibhanki kunye nenkampani yeshishini. Ngethuba lokunciphisa imali okanye ixesha lokuthenga ngetyala, kuyacaca kunzima kwishishini elincinci ukubuyisela imali mboleko kwaye kunzima kakhulu kwibhanki ukufumana iimali zokubolekisa. Kubaluleke nakakhulu kwi-shishini elincinci lenkampani ukubonisa isicelo semali-mboleko ye-iron-clad ebhanki. Inxalenye yesibini yeemeko ibhekisela kwinjongo ekujoliswe kuyo. Ngaba uthenga izixhobo ezintsha zokunweba? Ngaba uzalisekisa imali enkulu yokusebenza ukuze ulungiselele ukufakwa kwexesha lokufakelwa kwempahla? Kutheni ufuna imali? Yichaza ngokucacileyo kwingxelo yakho yemboleko.
05 - Umntu
Isiqhelo sisoloko sisigwebo esiphezulu esenziwe ngumbhanki malunga nomxhasi. Umboleki uthetha ukuba umthengi uthembeke ngokumalunga nokubuyisela mboleko kunye nokuvelisa ukubuyiswa kotyalo-mali. Le yilapho imfundo namava omthengi efika kumfanekiso. Izikhokelo zakho kunye nemvelaphi yakho kwishishini lakho liqwalaselwa ligosa lemboleko yemali.