Thola imali mboleko yemoto enesikweletu esibi

Ukuthola imali mboleko yemoto manje sekuyatholakala kunanini ngaphambili. Kunamavidiyo amaningi nezindaba kuwebhu ezimayelana nendlela abeluleki bamabhange abagunyaza ngayo ukubolekwa kwemali hhayi kuphela kwabantu abanenkinga yesikhashana, kodwa nakubantu abangenazo izikweletu ekuqaleni - abangasebenzi, imindeni emikhulu, ngisho nabantu abangenayo indawo yokuhlala eqondile - ukukhuluma nje. , abangenamakhaya .

Yiqiniso, amaqiniso anjalo aqinisekisa ukuthi amabhange aqasha abantu abangawazi kahle umthetho, futhi amacala anjalo awavamile.

Ngokuvamile, ibhange lihlola umlando wezikweletu wababoleki ngokucophelela kakhulu, sibhale ngokuphindaphindiwe emakhasini e-Vodi.su ukuthi ibhange lingadinga kusukela engxenyeni yehora kuya ezinsukwini ezimbalwa ukucabangela isicelo, futhi umlando wesikweletu weklayenti udlala indima ebaluleke kakhulu. iqhaza ohlelweni lokuthatha izinqumo.

Akuyona imfihlo ukuthi abantu abaningi baseRussia namuhla banezibopho zezikweletu emabhange. Umuntu uyakwazi ukubuyisela imali ebolekiwe ngesikhathi futhi ngaphandle kokulibala, omunye angase abhekane nobunzima - umuntu aphelelwe umsebenzi, anqanyulwe iholo, kwenezelwa ezinye izindleko ngenxa yokuzalwa kwengane noma ukugula kwelinye lamalungu omndeni, nokunye. ku. Ngamunye wethu unedosi - umlando wesikweletu, obonisa:

• izinga lethu lemali engenayo;
• zonke izivumelwano zemalimboleko esingene kuzo ngaphambili;
• wonke amaqiniso okuphulwa kwemibandela yenkontileka.

Ngokusekelwe kule datha, bonke ababoleka amabhange bahlukaniswe okuhle nokubi. Umlando wezikweletu ugcinwa ku-credit bureau iminyaka engu-15 futhi phakathi naso sonke lesi sikhathi kuthinta ithuba lokuthola imali ebolekiwe entsha.. Kodwa into eyodwa kufanele icace:

• imali mboleko yabathengi neyezimoto inenzuzo kakhulu kumabhange, ngakho abaphathi bahlale bezama ukuthola izizathu zokuthi kungani iklayenti lingakwazi ukukhokha izibopho zalo ngesikhathi.

Ngempela, uma umuntu enesimo esinzima sezezimali eminyakeni engu-5 edlule, namuhla isimo singashintsha kakhulu - umuntu uthuthele komunye, umsebenzi okhokhelwa kakhulu, wabhekana nezikweletu zakhe zakudala ezidlulelwe yisikhathi - okungukuthi, ngokusekelwe emibhalweni enikezwe nguye, ibhange linquma ukuthi iklayenti elinjalo ngokuphelele lizokwazi ukukhokha imali mboleko entsha ngenani elithile.

Yini ochwepheshe abayeluleka?

Uma unquma ukuthenga imoto ngesikweletu, kodwa esikhathini esidlule usuvele unezinkinga namabhange, akufanele ukhathazeke - kunezindlela eziningana zokuthola imali yokubolekwa kwemoto ngesikweletu esibi.

Okokuqala, abaphathi bemalimboleko bazobheka uhlobo nezimbangela zalokhu kuphulwa komthetho:

• ukubambezeleka kokukhokha izinsuku ezimbalwa ngisho namaviki (ukubambezeleka kwesikhathi esisodwa kwezinsuku ezingama-29 kubhekwa njengokuphulwa okungathi sína kakhulu, ukubambezeleka okuvamile kanye nokubambezeleka okuvela ezinsukwini ezingama-29 kuye kweziyi-120 kubi kakhulu - ibhange lingadlulisela icala ukuze liqoqwe);
• isimiso sokulinganiselwa - uma kwakukhona ukubambezeleka okuhlala isikhathi eside eminyakeni eminingana edlule, ibhange lingakwazi ukukuvala amehlo kulokhu;
• uma iklayenti lingaqinisekisa ukuthi ukwephulwa kwavela ngenxa yezizathu zenhloso (ukulahlekelwa umsebenzi, ukugula, ukuzalwa kwengane), khona-ke cishe imali mboleko izovunyelwa.

Okwesibili, into enhle ukuba khona kwemali mboleko evaliwe ekhishwe ngemuva kokwephulwa. Isibonelo, uthathe imali ebolekiwe futhi waba nezinkinga ngokuyikhokha, futhi ngemva kokuyivala, wakhipha imali ebolekiwe entsha, owayikhokha ngesikhathi, ngaleyo ndlela waqinisekisa i-solvency yakho.

Okwesithathu, isibambiso semali mboleko kanye nokuba khona kwabanikezeli besiqinisekiso kuzoba ukuhlanganisa okukhulu kakhulu. Endabeni yokubolekwa kwemoto, imoto ngokwayo izoba yisibambiso, sesivele sabhala ku-portal yethu ye-Vodi.su ukuthi ngenxa yokuthi imoto iyisibambiso, amabhange azimisele kakhulu ukukhipha imali mboleko yemoto.

Ama-guarantors yilabo bantu abathembela kumuntu, futhi kulokhu, ukwethemba kuyadingeka, ngoba uma kwenzeka izinkinga ngezinkokhelo, isisindo sonke somthwalo wezezimali siwela phezu kwabo.

Sicela futhi uqaphele ukuthi amakhasimende anomlando omubi wemalimboleko anikezwa ngamanani enzalo aphezulu. Ngaphezu kwalokho, kunemikhawulo ethile enanini lemalimboleko - uma uthatha inani eliphakeme lama-200-500 ayizinkulungwane, khona-ke imali mboleko izovunywa, kepha uma ukudla kwakho kuqala kusuka kwesigidi ngaphezulu, ibhange lizohlola yonke imininingwane. ku-solvency yakho isikhathi eside kakhulu.

Kumele kuqashelwe ukuthi amabhange azwela kakhulu isimo somnotho wezwe.

Lapho sekufike izinkinga ezizayo, ayanda amaklayenti ayanqatshwa, ngisho noma umlando wawo ungangcolisiwe. Ngisho nokuthola ikhadi lesikweletu noma i-express loan kudala ubunzima obuningi.

Imvamisa, imali ebolekiwe kanye namakhadi esikweletu athathwa njengenye indlela yokuxhasa ngemali - ngezikhathi ezimnandi, amabhange asabalalisa kuwo wonke umuntu ngokungakhethi, ngaphandle kokuhlolisisa isimo sezimali somuntu.

Okuwukuphela kwecala eliphansi izinga eliphezulu lenzalo.

Ngaphezu komlando wesikweletu, ibhange lihlola ezinye izici eziningi: iminyaka, ubude besevisi, imali engenayo yamalungu omndeni, ukubunjwa komndeni. Ngakho-ke, ochwepheshe bayeluleka, futhi siyabasekela ngawo wonke amandla ethu - zama ukulungisa umlando wakho wesikweletu, ngisho noma wenza inkokhelo yokuqala yamaphesenti angu-20-50 wezindleko zemoto - lokhu sekuzoba okunye okungeziwe kuwe.

Ungalokothi uboleke imali uma ungazethembi ngamakhono akho.

Iyalayisha...