Yintoni omele uyizise eBhanki
Ukufumana imali mboleko kwishishini elitsha-nayiphi na ishishini elitsha linokuba nzima. Ukufumana umboleko kwendawo yokutyela entsha kunokuba nzima nakakhulu, kuba iindawo zokudlela ziba nezinga eliphezulu lokungaphumeleli. Ngoko, uyifumana njani imali yokudlela yakho yokuphupha? Indawo ecacileyo ukuba uqale ibhanki.
Yakha iSicwangciso seShishini esinoMandla
Qala ngokudala isicwangciso seshishini esinoyiko . Ndiyathetha ukuba, kufuneka idibanise iisokisi zazo.
Isicwangciso seshishini sibonisa ibhanki oyaziyo oko uthethayo kwaye akusiyo icebo le-harebrained ucinga ngalo ngekhofu yakho yasekuseni yehofi. Isicwangciso esikhulu sezo shishino (kwaye ngulo kuphela uhlobo olufanele unike ibhanki) luyakubonisa ukuba wenze umsebenzi wakho wesikolo kwaye uqonda imakethi yasekuhlaleni, ukhuphiswano kunye nemingcipheko enokwenzeka kunye neenzuzo.
Yenza iPhephethi Yakho ikulungele
Emva kokuba usuqedile isicwangciso soshishino sakho, kukho ezinye iinkcukacha ezimbalwa zokunyamekela ngaphambi kokuya ebhankini. Yenza umsebenzi wegosa lobolekisa ngokulula ngokubonisa kunye nephepha elininzi njengoko sele ligqityiwe. Ngokuhambisana nesicwangciso soshishino, nantsi amanye amaxwebhu okubandakanya:
- Iminyaka emithathu yokubuyiswa kweRhafu yeNtlawulo - Ukubuyiswa kweerhafu kubonisa ukuba unemali engenayo kwaye uyomelele umntu onokubamba umsebenzi. Iimbuyekezo zerhafu zibonisa ukuba awuyi kukhwela kunye neebhanki ngemali ukuba izinto zithintele. Igosa le mboleko liya kufuneka ligcine iirhafu zakho zerhafu, ke qiniseka ukuba wenze iikopi ezimbalwa ngamnye.
- Isitatimende seMali somntu - Isitatimende sakho semali yindawo yokuluhlu zonke iimpahla zakho kunye nawo onke amatyala akho (amatyala). Iimpahla ziquka izinto ezinjengezindlu zangasese, iimoto, kunye nemigaqo-nkqubo ye-inshorensi yobomi kunye nexabiso eliqikelelweyo. Amatyala, okanye amatyala, kuquka iimali-mboleko zemali, iimboleko zemali, iimali-mboleko zemali, iimali mboleko zemali, i-ect ... Kufuneka ulandele zonke iibhanki zakho zebhanki kunye nezikali zabo ngexesha lokulungiselela. Ungakhathazeki ukuzama ukupakisha amanani kwi-asethi yakho, okanye ukuxoka malunga nokuba uninzi kangakanani. Ibhanki iya kuqhuba uhlolo olubanzi kuwe, kwaye nayiphi na ingqinano ephezulu eyokukwenza ubonakale ungakhathali okanye ungathembekanga, kwaye akukho nto iya kukunceda ufumane i mboleko.
- Inkcazo yeliphi na iRekhodi yolwaphulo-mfa neyona nto inempembelelo enkulu kwi-bhanki isinqumo sokukhupha i-mboleko entsha. Bakhangele abantu abanomlando oqinileyo wengqesho, bahlala kwikhaya labo, okanye bahlala kwindawo efanayo kwithuba elide. Bakhangeleka nayiphina imbali yolwaphulo-mthetho. Ukuba uthe wenza ubugebengu obudlulileyo, kungakhathaliseki ukuba luncinane kangakanani (ukuyeka i-firecrackers ngaphandle kweklasi lakho lokulala, umzekelo) unike inkcazo ecacileyo yento eyenzekayo, kwaye kucace ukuba akuyi kuphinda kwenzeke kwakhona.
- Ingxelo yeNgxelo-mboleko - Akudingeki ukuba unike ibhanki ikopi yengxelo yakho yekhredithi, kuba baya kuhamba. Nangona kunjalo, kuluvo oluhle ukuziqonda ngolwazi ngxelo. Ukuba unamaphuzu aphantsi ngenxa yeentlawulo ezidlulileyo okanye i-arhente zokuqokelela, unokufumana inkcazelo ecacileyo ebhankini, ngokubhetele ngokubhaliweyo. Ukunyaniseka ngesizathu sokuba kukho nayiphi na intlawulo emva kwexesha okanye ezinye izinto ezingafaniyo. Ngokomzekelo, ukuba unayo inyanga eqinile ngenxa yokugula, okanye ukuba uhamba ngokuqhawula umtshato kwaye unemva kwiindleko zakho, bhala inkcazo emfutshane. Umlinganiselo wekredithi ophantsi awuyi kukuthandayo kwi-bhanki, kodwa banokuwunakunceda ukuba uneminye impawu (njengobuncwane). Ukuhlolisisa ingxelo yengxelo yakho yekredithi ngaphambi kwexesha kukuvumela ukuba ukhangele nayiphina impazamo okanye ulwaphulo olukhoyo. Ukuba kukho nabani na oqokelela imali mboleko nawe, njengowomlingani okanye iqabane lamashishini, kufuneka bazalise zonke iipasiti ezi ngasentla.
Iingcebiso ezingakumbi zokudibana neBhanki
Shayela uze wenze ukuqesha. Amagosa asebolekayo axakekile, ngoko ke ungabonakali nje emnyango wabo kwaye ulindele ukufakwa kuyo. Qinisekisa ukuba onke amaphepha ahlelwe ngokufanelekileyo kwaye uyayigcina kwifowulda okanye encinci encinci ukuba igosa lemboleko lingagcina. Ekugqibeleni, faka iinkcukacha zakho zoqhagamshelwano kuwo onke amaphepha akho.
Ukuboniswa okulungiselelwe kwingxoxo yakho yebhanki iya kuvumela igosa lakho lemali-mboleko ukuba uyazicwangcisa ngokuvula ivenkile entsha . Ngokwenza umsebenzi wabo ube lula njengoko kunokwenzeka, ukwandisa amathuba okuvunyelwa kwemboleko.