Izinyathelo ezi-7 zokuthabatha xa ufumana iMali yeMali evela kwiBhanki

Ukulungiswa okufanelekileyo ngaphambi kokufaka isicelo semboleko kwenza yonke impazamo

Inkunzi yenye yezinto eziphambili apho nayiphi na ishishini kufuneka libe nayo ukuze isebenze ngokufanelekileyo imisebenzi yayo. Abaninzi bethu banemiqondo emangalisayo yokuba xa ukuphunyezwa kungaholela ekudalweni kwamashishini amashishini amatsha. Nangona kunjalo, isithintelo esisodwa phakathi kweengcamango nokuqaliswa kweshishini kungabikho kwemali.

Ukufumana iNgxowa-mali

Inketho eqhelekileyo yokufumana inkxaso ngemali ehlawulwa ngamabhanki kunye namanye amaziko emali.

Namhlanje, ukufumana imali mboleko akulula njengoko kwakunjalo ngaphambili. Inkxalabo yezoqoqosho-zezoqoqosho ezathatha iminyaka emininzi edlulileyo yenza ukuba amabhanki aphephe ukuboleka amabhizinisi amancinci. Ngoko ke kubaluleke kakhulu ukuba ukwazi amanyathelo afanelekileyo wokufumana mboleko yebhankini kwibhanki ukuze ukwazi ukuphucula ithuba lakho lokufumana imvume. Nazi iindlela ezisixhenxe ezithathayo xa ufaka isicelo semboleko yemicimbi yebhanki.

1. Yiba nesicwangciso soshishino esifanelekileyo
   Ukuze ufumane imboleko, ezininzi iibhanki zifuna ukuba ube nesicwangciso esinamandla sezemali esenza ukuba ibhizinisi lakho libandakanya. Yenza isingeniso malunga nokuba ungubani kwaye yintoni na lakho ishishini. Isicwangciso soshishino kufuneka sikwazi ukuchaza iinjongo zoshishino, injongo kunye nendlela eya kuqhutywa ngayo ukuze kufezekiswe zonke iinjongo ezichazwe. Khumbula isicwangciso esikhulu sezoshishino kuthetha ukuba ishishini liyakwazi ukuphumelela ngokwentliziyo yomboleki.

2. Thetha indlela ofuna ukuyisebenzisa ngayo imali yakho
   Amabhanki anomdla wokuvavanya indlela umfaki sicelo umboleko ofuna ukuchitha ngayo imali ebolekwe. Ukuba ufuna ukuthenga izixhobo umzekelo, kufuneka ufake isicelo semali mboleko. Ngakolunye uhlangothi, ukuba ufuna iimali zokugcina ibhizinisi liqhutywe phambi kokuba abanamatyala bakhokhawule, kuya kucetyiswa ukuba ufake isicelo semali-mboleko yesikhashana. Ngaloo ndlela, ukuchaza ukuba imali-mboleko yakho iya kusetyenziselwa ukwenzela ukuba kube lula kwibhankini ukuba iqinisekise ukuba imali esetyenzisiweyo iya kuhlangabezana nazo zonke iimfuno zakho.

1. Misela inani lemali oyifunayo
   Xa ufaka isicelo sembolekiso , kukulungile ukwenza uphando olusisiseko ukuze ungagqithisi okanye uphawule imali efunayo. Oku kubangelwa kukuba ukungaphantsi kungakhokelela kwiingxaki zemali kwixesha elizayo. Ukugqithisa ngenye indlela kwenza umbuzo webhanki ukuba ngaba uphando olunzulu luyenziwe ngaphambi kokubhala isicwangciso soshishino. Ukuze ugweme konke oku kungathandabuzekiyo, ube nesabelomali esihle kunye neziphumo ezifanelekileyo zemali.

1. Yiba nomdla kumanqaku akho
   Namhlanje, zonke iibhanki kufuneka ziqinisekise ukuba wonke umntu ofake isicelo unelungelo lokufumana mboleko. Xa ufaka isicelo soxanduva lwezezimali, kucetyiswa ukuba uhlole iingxelo zekredithi zakho kunye namanqaku. Inani lekhredithi ye-700 nangaphezulu lihle kakhulu. Ukuba umlinganiselo wakho ungaphantsi kwe-680, kuya kuba nzima kuwe ukuba uboleke imali kodwa ungathanda ukucinga ngemboleko yemali esekelwe kwingeniso. Ukuba amanqaku akho aphantsi, sebenza nzima kwaye uphakamise ngaphambi kokufaka isicelo semali mboleko yebhanki.

2. Coca ingxelo yakho yekhredithi
   Ngamanye amaxesha kukho iimpazamo kwi-credit report yakho kwaye ukuba awuqapheli, kunokuchaphazela kakubi amanqaku akho. Yingakho kuhlale kucebise ukubeka iliso kwi-credit card kunye neefayile zakho zekredithi rhoqo. Xa ubona ezinye iimpazamo, qha ga mshelana negosa lokubika ngekhredithi ngokukhawuleza ukuba ulungise kwaye uphakamise amanqaku ngokususa ukungahambisani, ngaphandle koko akukho mboleko iya kuvunywa yibhanki xa ukulinganiswa kwetyala lakho kuphantsi.

3. Hlola zonke iinketho zakho zokubolekisa
   Emva kokutshekisha ingxelo yakho yekhredithi kunye nokuqinisekisa ukuba kulungile, lixesha lokuphanda kwaye lufike uluhlu lweebhanki ezikwazi ukwandisa uhlobo lomboleko osweleyo. Khetha i-bhanki enikezela ngemali mboleko kwizinga elincinci lomdla kwaye unikezela izikhokelo zokufumana izilungiso.

1. Gcina iirekhodi zezimali ezifanelekileyo
   Ukufumana umboleko webhankini kwibhanki kuba lula xa unengxelo yezimali ezifanelekileyo. Amabhanki aya kuhlala efuna ukujonga ishicilelo sakho, iingxelo zemali yokuphumla kunye neengxelo zengeniso ukwenzela ukuba uqinisekise ukuba unako ukubuyisela imali mboleko okanye cha. Oku kuthetha ukuba ukuba awuzange ugcine ezi rekhodi, lixesha lokuqalisa ukususela ekubeni unokuba luncedo kwikamva xa ufaka isicelo semboleko.