Ufuna uxhaso olusheshayo
Ufuna imali mboleko yemoto ngokushesha? Thola ukuthi yini okudingeka ukwazi ukuze uthole imali mboleko yezimoto esheshayo, imali mboleko yomuntu siqu evikelekile noma engavikelekile...
Kuthatha isikhathi esingakanani ukuthola uxhaso?
Inhlangano yokuxhasa ngezimali ngokuzenzakalelayo inezigaba ezihlukene, kanti ezinye izigaba zihamba ngokushesha kunezinye. Ukuthola ukugunyazwa okunemibandela kwenani ongaliboleka kungase kusheshe, kodwa amadokhumenti emalimboleko ngezinye izikhathi angathatha amasonto ukucutshungulwa uma ungakalungeli.
Ukugunyazwa okunemibandela
Isigaba sokuqala sokugunyazwa kwezezimali ukugunyazwa okunemibandela. Ufaka isicelo semali mboleko futhi umbolekisi uzovuma noma asenqabe isicelo sakho ngokusekelwe kulwazi olunikezayo (kanye namasheke angeziwe).
Ukugunyaza okunemibandela kufana nombolekisi othi, "Uma isicelo sakho besilungile futhi yonke into isihloliwe, khona-ke uvunyelwe." Uma ulwazi olunikezile lungaqinisekiswa kusetshenziswa amarekhodi e-payroll, njll., isitatimende kumele sisamile.
Manje ungaya esitolo semoto yakho.
Ithiphu: gcwalisa ngokucophelela nangendlela efanele izicelo zokubolekwa imali. Iphutha lingaholela ekumangaleni okubi uma ukugunyaza okunemibandela kuhoxiswa!
Ukuqinisekisa kokugcina
Ukugunyazwa kokugcina kufanele kwenzeke ngaphambi kokuba imali ebolekiwe ikhokhelwe futhi ungakwazi ukuthatha imoto.
Ukufika kuleli qophelo, ababolekisi bazobe befuna ubufakazi bolwazi lwezezimali olunikeze kuhlelo lokusebenza. Uma kuyimali mboleko evikelekile, bazophinde bafune imininingwane yesibambiso, okuvamise ukuba yimoto ebolekiwe.
Sicela uqaphele ukuthi kungathatha amaviki ambalwa ukuze kutholwe imvume yokugcina. Uma ungenabo ubufakazi obufunwa ngumbolekisi, ungalibazisa inqubo! Ukuqoqa izitatimende zeholo kanye nekhadi lesikweletu noma ukulinda amadokhumenti ukuthi athunyelwe kungase kuthathe isikhathi eside kunalokho ongase ukulindele.
Ukukhokha imali mboleko
Ngemva kokuthola imvume yokugcina yemali mboleko, ukukhokhelwa ngokuvamile kuthatha usuku olulodwa noma ezimbili zebhizinisi - ngokuyisisekelo inqobo nje uma kuthatha ukudlulisela imali kumthengisi.
Ungakwazi ke ukuhlela ukuthatha imoto yakho!
Yini ongayenza ukusheshisa inqubo?
Uma ufuna ukuhlela izimali zakho ngokushesha, ukhiye uwukuba uzilungiselele. Ungathatha isikhathi sokuqoqa amadokhumenti adingwa ngumbolekisi ukuze aqinisekise isimo sakho sezezimali, ikakhulukazi uma udinga ukuwacela enkampanini yangaphandle njengomqashi wakho noma ibhange lakho.
Ngemva kokuthola imvume enemibandela, umbolekisi uzokutshela ukuthi yimaphi amadokhumenti abawadingayo. Izidingo zabo zingahluka, kodwa izinto ezivame ukucelwa zihlanganisa:
Ukuqinisekiswa kwemali engenayo
Uma usebenzela inhlangano esebenzisa i-electronic payroll, qiniseka ukuthi ukuphrinta i-pay stub yakho ku-inthanethi kuzokwanelisa umebolekisi. Ungase udinge obunye ubufakazi, njengenkontileka yakho yokuqashwa noma incwadi esephepheni lenkampani.
Abaxazululi
Yiba nemininingwane yokuxhumana efanele yomqashi wakho lapho ugcwalisa isicelo. Ukulungisa idatha engalungile kungase kubangele umuntu ocubungula isicelo sakho ukuthi asibeke ekugcineni kwesitaki.
Izitatimende zekhadi lesikweletu
Abanye ababolekisi badinga ubufakazi bemikhawulo yekhadi lakho lesikweletu kanye nenani olikweletayo. Ngokuvamile, amaphrinti aphuma ebhange lakho le-inthanethi ngeke anele ngaphandle uma eqinisekiswe okhipha ikhadi lakho lesikweletu, ngakho-ke zilungiselele ukumba izitatimende zakho zokugcina ezintathu zekhadi lesikweletu.
Umshuwalense
Uma imoto iyisibambiso semalimboleko, ababolekisi bangase bacele ubufakazi bokuthi imoto ifakwe umshwalense ngaphambi kokubuyisela imali ebolekiwe. Iningi lomshwalense wezimoto lingahlela ngokushesha ukuhlinzekwa komshwalense ngale njongo, nokho-ke ungathatha isikhathi ukuthola umshwalense wemoto, ikakhulukazi uma imoto yakho (noma iphrofayili yakho yokushayela!) kungenzeka ibize ukuyifaka umshwalense.
Abathengisi ngokushesha?
Ukunikezwa koxhaso olusheshayo kungabaluleka kumdayisi wezimoto evala ukuthengisa, futhi abanye abadayisi bezimoto bakhangisa ukugunyazwa kosuku olufanayo. Uma ucabanga ngezimali zomthengisi osheshayo, qiniseka ukuthi uhlola:
Ngingayilanda nini imoto.
Ingabe bavele banikeze imvume enemibandela yosuku olufanayo? Lokhu yilokho abanye ababolekisi abakunikezayo. Lokhu kuhluke kakhulu ekugunyazweni kokugcina, futhi uma inkampani yabo yezezimali ihamba ngenqubo efanayo neyabanye ababolekisi, lokho kusho ukuthi inqubo ingase ingasheshi.
Yeka ukuthi kuhle kangakanani (noma kubi) isivumelwano.
Abathengisi bavamise ukusebenzisa ababolekisi abathembekile abanezinqubo zokugunyaza ezifanayo njengamabhange amakhulu, ngakho-ke ukuthola imali mboleko ngeke kusheshe, kodwa uma usebenzisa umdayisi njengesitolo sakho sokuma okukodwa, uzokonga isikhathi ubheka imali mboleko yezimoto. Kodwa khumbula uma weqa lesi sinyathelo, ungase ungazi ukuthi ukhokha ngokweqile yini izingqinamba ezezimali zakho.
Ngaphambi kokuthi uvakashele umdayisi, yenza usesho olulula lwe-inthanethi ukuze uthole amanani amanje enzalo emalimboleko yezimoto. Buza umthengisi ukuthi liyini izinga lenzalo yakhe ukuze ukwazi ukuqhathanisa futhi wenze isinqumo unolwazi.
Ezinye Izindlela Ezisheshayo Zokuthola Imali
Amakhadi esikweletu
Uma unekhadi lesikweletu esikhwameni sakho elinemali eyanele ukumboza izindleko zemoto yakho, lokhu kungase kube enye indlela esheshayo yokusetha uxhaso oluzenzakalelayo kusukela ekuqaleni. Nokho, kunezinto ezimbalwa okufanele uzicabangele ngaphambi kokuthenga imoto ngekhadi lesikweletu, okuhlanganisa izinkokhiso ezengeziwe, izinga lenzalo, ukuthi lokhu kusho ukuthini ekungeneni kwakho kwemali, nokunye.
Funda Ukuthenga imoto ngekhadi lesikweletu ukuze uthole ulwazi olwengeziwe ngobuhle nobubi bokusebenzisa ikhadi lesikweletu ukuze uthenge imoto.
Ukuvuselelwa kwe-mortgage
Uma une-mortgage eguquguqukayo kanye nokheshi ongasala, ukubuyisela imali yakho ye-mortgage kungaba indlela esheshayo yokukhulisa imali.
Funda Ukusebenzisa I-Mortgage Ukuxhasa Imoto: Okufanele Ukucabangele.
Ababolekisi endaweni
Ababolekisi bendawo abangazibheki izimali kanye nomlando wezikweletu bavame ukuboleka abantu abasengozini enkulu. Lokhu kusho ukuthi kungenzeka basule izikweletu ezimbi kakhulu futhi badlulisele lezo zindleko kwamanye amaklayenti ngamazinga enzalo aphezulu kakhulu nezinye izinkokhelo.
Uma ucabanga ukuboleka imali ngaso leso sikhathi ngoba ukhathazekile ngokuthi ngeke ugunyazwe ukuthi uxhaswe, ungathola okwengeziwe kokuthi Ukukhathazeka ukuthi awufaneleki ukuthola uxhaso.
