Imali mboleko evikelwe isithuthuthu, ukuthi uyithola kanjani nokuthi yini oyidingayo kulokhu
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Imali mboleko evikelwe isithuthuthu, ukuthi uyithola kanjani nokuthi yini oyidingayo kulokhu

27.06.2022 /

Wonke umuntu udinga imali, futhi ngokuvamile izimo ziphakama lapho inani elithile lemali lidingeka khona manje. Uma ingekho enye indlela yokuthola inani elifanele, ungaxhumana nebhange noma isitolo esithengisa izinto ezincane ukuze uthole imali ebolekiwe etholakala ngesithuthuthu, imoto nanoma iyiphi enye imoto.

Uma unesithuthuthu sakho, futhi ungabhala ilungelo lokuba ngumnikazi waso, khona-ke ukuthola imalimboleko kulula kakhulu.

Ukuthola imali ebolekiwe ebhange

Amabhange ahlinzeka ngezinhlobo ezimbalwa zezinhlelo zokubolekwa kwemali ezivikelwe izimoto:

  • idiphozi ezenzakalelayo - umnikazi uthola imali yemoto yakhe futhi uyaqhubeka nokuyisebenzisa;
  • indawo yokupaka idiphozithi ezenzakalelayo - isithuthuthu sihlala endaweni yokupaka egadiwe.

Inzuzo yohlobo lokuqala lokuboleka ukuthi empeleni uhlala ungumnikazi wesithuthuthu sakho phakathi naso sonke isikhathi lapho kukhishwa khona imali ebolekiwe. Yiqiniso, ngeke uthole yonke imali ezandleni zakho, kodwa kuphela amaphesenti angu-60-70 yenani lemakethe, futhi izinga lesikweletu lizofika kumaphesenti angu-20 ngonyaka.

Uma ushiya imoto endaweni yokupaka ebhange, ungathola izandla zakho kumaphesenti angama-90 ezindleko futhi inzalo ingancishiswa ibe ngamaphesenti ayi-16-19.

Idiphozi ye-auto ayikhishelwanga noma iyiphi imoto, kodwa kuphela leyo ekhishwe eminyakeni engaphezu kweyi-10 edlule, ibhalisiwe, umnikazi unayo yonke imibhalo yayo. Uma unesithuthuthu esenziwe ekhaya, cishe akunakwenzeka ukuthi uzokwazi ukuthola imali eningi, akufanele kube mdala kuneminyaka emihlanu, futhi akuwona wonke amabhange azofuna ukuthatha umthwalo onjalo.

Imali mboleko evikelwe isithuthuthu, ukuthi uyithola kanjani nokuthi yini oyidingayo kulokhu

Iphakethe lemibhalo yokuthola imali mboleko livame kakhulu - ipasipoti, i-TIN. Isitatimende semali engenayo asidingeki, nakuba amanye amabhange angase asifune. Kufanele futhi wethule imibhalo yesithuthuthu ngokwaso kanye nelayisensi yokushayela.

Ukuthola imali ebolekiwe esitolo sokudla

Uma ibhange lingafuni ukukhipha imali mboleko, khona-ke kukhona okunye okungenzeka - ukuxhumana ne-pawnshop. Eqinisweni, ama-pawnshops asebenza ngohlelo olufanayo:

  • noma uqhubeka nokusebenzisa isithuthuthu sakho, kodwa kuzokhokhwa kuphela amaphesenti angama-60-70 yenani laso;
  • noma uyishiye endaweni yokupaka ye-pawnshop futhi uthole amaphesenti angama-80-90 ezandleni zakho.

Kunenkinga eyodwa lapho usebenza nama-pawnshops - inzalo ephezulu kakhulu, okuthi ngokwesilinganiso isuka kumaphesenti amahlanu ngenyanga, uma ufaka isicelo sokubolekwa unyaka noma emibili, ifike ku-11-12 ngenyanga, uma uthembisa ukubuyisela imali ezinyangeni ezimbalwa. Kukhona nezidingo zobuchwepheshe.

Isethi yemibhalo ku-pawnshop kufanele ihlinzekwe ngendlela efanayo nasebhange. Ngaphezu kwalokho, kufanele kuqashelwe esinye isici se-pawnshops - isinqumo semali mboleko senziwa ngokoqobo endabeni yamaminithi, ngokungafani namabhange, lapho ngezinye izikhathi kufanele ulinde izinsuku ezimbalwa.

Uma, nganoma yisiphi isizathu, ungakwazi ukukhokha imali ebolekiwe ngesikhathi, indawo yakho izoya ebhange noma esitolo esithengisa izinto ezincane, futhi kuzodingeka ukhokhe lonke inani lemakethe lesithuthuthu ukuze usibuyisele. Ngeke kube khona izinhlawulo kuwe.




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