Credit umlando kangakanani lilondolozwe lapho?

Isihloko ekutshela ukuthi mingaki iminyaka igcinwe Umlando wokukhokha kwemali, sembula umqondo yomlando, lapho ungathola ulwazi idokhumenti nokuthi ingabe amasevisi zokulungisa dokhumenti.

Uyini umlando ngesikweletu?

Ngaphambi kokuba siphendule lo mbuzo, kangakanani lilondolozwe Umlando wokukhokha kwemali, ake ukubhekana lo mqondo. Credit umlando - iqoqo ulwazi mayelana umboleki ethize, wamanje yayo kanye ukubuyiswa kwemali imalimboleko, khona izikweletu futhi isikweletu. Kumele wathi ngisho labo bentela abaye ikhokhwe ngempumelelo ngoba loan ngaphandle kokulibala, futhi kufanele BCH Umlando wokukhokha kwemali.

Umlando uqala ukwakha kusuka isicelo sokuqala loan ebhange. Isigaba ngesihloko iqukethe ulwazi oluyisisekelo mayelana umuntu phezu iphasipoti, inombolo umshwalense impesheni, inombolo kamazisi intela. Ingxenye yesibili kuyinto voluminous ngaphezulu, njengoba lesi kuyisikhathi lapho ulwazi egcinwe macala asenkantolo futhi izikhathi impikiswano ebuhlotsheni credit ne ebhange. Ikhwalithi esigabeni sesibili idatha kuthinta ukuma credit kwendaba ngayinye. Ingxenye yokugcina ingaphansi lock, ngoba iqukethe ulwazi oluyimfihlo mayelana abalobi futhi isicelo izithasiselo indaba.

Ngingalutholaphi ukubona indaba yakho?

Uma ufuna ukuthola umlando credit siqu, udinga ukusebenzisa usizo yasebhange main wezwe, ukuze acacise lapho isikhungo esithile kuyinto Umlando wokukhokha kwemali, kangakanani idokhumenti lilondolozwe, nokunye. Ungase futhi uthumele i-nophenyo nge e-mail, ecacisa ikhodi izindaba ngabanye. Ikhodi inikezwa ngokushesha emva ukubhalisa isivumelwano sesikweletu, njengoba iningi labasebenzi services yasebhange umane buthule. Ihhovisi kuwumsebenzi ukubika ngesicelo umuntu ngesimo Ikhredithi isimo. A isakhamuzi sinelungelo ngenxa yesizathu esisodwa ngonyaka mahhala ukuthola ulwazi umlando credit. Indaba noma uthumele ekhelini le-imeyili ngeencwadi noma nge-imeyili. Umbuzo ukucutshungulwa isikhathi izinsuku ezingu-10. imibuzo okuphindaphindayo abazenzi nsuku ikhokhwe.

Ungasenza isicelo kunoma credit bureau noma izinsizakalo yasebhange. Uma isicelo sithunyelwa ngeposi, imibhalo kudingeka ukuba kwasayinwa bese ulinda impendulo futhi mail.

isikhathi esingakanani izohlala kumemori?

Ukuphendula umbuzo, kangakanani lilondolozwe emlandweni-credit bureau, kumelwe kushiwo ukuthi ulwazi ikhasimende ngalinye kwi-database iminyaka eyishumi nanhlanu kusukela ngosuku entry lokugcina, bese idatha isusiwe. Enjalo isikhathi eside ngenxa isidingo amabhange ukuthobela ingozi imithetho Ukuncishiswa lapho elikhiphe sokubolekwayo. Impendulo yombuzo, kangakanani lilondolozwe umlando omubi wokukweleta, kuyoba okufanayo - okungenani iminyaka engu-15. Lapho beqeda nenkathi yeminyaka engu-nanhlanu yokwaziswa okungokomlando olusha, okunikeza amathuba bonile umfakisicelo sokuthola sinqumo esihle ebhange.

Idatha ku iklayenti itholakala kuphela credit izikhungo, kanye abomthetho kokuqhuba izinqubo ezithile maqondana nale ndaba.

Uyini-credit bureau?

Bureau sikhungo nge igunya elimiswe ngokufanele ukusebenza nezenzo zokukhwabanisa maqondana umlando credit ngabanye. Kukhona izinhlangano eziningana olusemthethweni amelwe irejista isimo.

Ababoleka imali ngizibuze kuphi BCH ulwazi ukholo lwabo ezinhle maqondana nokukhokhwa ukubolekisa, ngisho aqale ukwenza izikhalazo mayelana nokusatshalaliswa kolwazi yangasese. Noma kunjalo, ungakhohlwa ukuthi bona ngokwabo baye ukubeka umkhaza ezifanele inkontileka. Idatha mayelana umboleki wangena egciniwe, kufanele uvumela nokuqoqwa, processing kanye nokusabalalisa ulwazi lomuntu siqu. Iklayenti singase singavumelani, kodwa kulokhu amathuba ayo okuthola i-ukwamukelwa loan mancane kakhulu.

Umuntu angase futhi ufake isicelo kukhathalogu Central ngaphansi kokuqondisa Central Bank ukuze bathole ulwazi ngalo izitolo kanye icubungula Bureau of idatha yayo. Uma lo muntu obolekayo ukhokhele kahle okumele zikhokhelwe, kufanele sibe nesithakazelo kulokho ukuthi ulwazi mayelana nokubonga lokuvala wangena base idatha ye-Bureau. Ibhange ayemkweleta iphoqelekile ukuba inikeze ulwazi olugcinwe kwi-ehhovisi, kuyo yonke imikhiqizo avaliwe okudayisa, ngesicelo.

Kungenzeka balahle okufakiwe ezingadingekile emlandweni?

Izakhamuzi eziningi ngephutha sikholelwe ukuthi uma Cras kukhona izakhiwo commercial ke nabo ngenani elithile, ungathola uthintene nomlando kucace kusukela kulo mcimbi elimazayo. Kodwa lokhu akulona icala. Lapho isicelo angeke abe mhlophe Umlando wokukhokha kwemali. Kungakanani ukwaziswa kwi-database, futhi abaningi uzohlala iminyaka engu-15. Uhlelo yakhelwe ukuze ayikho ithuba ngandlela-thile ukushintsha ukwaziswa okungokomlando. Uma umboleki kanye nokuhlinzeka imisebenzi enjalo, kusho ekubhekaneni imikhonyovu, abafisa imali zokungazi ikhasimende ezineshwa. Yinye kuphela ithuba ukuchibiyela indaba - uma amaqiniso ezingelona iqiniso.

Uma idatha negative zanikezwa imibhalo nekutsi uphetsa ngalokufanele yini (ezifana umyalelo wenkantolo), lo muntu obolekayo usalelwe isikhathi sokulinda - nenkathi yeminyaka engu-nanhlanu, ngemva kwalokho ulwazi kuzosuswa. Uma kukhona ukungabaza mayelana yiqiniso kwalesi ukubonisa idatha, kubalulekile ukuba ubheke izinguquko idatha yomthombo yandiswe, isibonelo, enkantolo inselele isinqumo.

Ngingayithola kanjani ukulungisa umlando ngesikweletu?

Uma umuntu has agumenti elingenakuphikwa iphutha database, kumele uyibike-credit bureau. Yezefundo uzoqoka isheke inkonzo zingakapheli izinsuku ezingamashumi amathathu emva kokuthola isitatimende siqu. BCI ngokuhamba uphenyo ngokuthumela isicelo ebhange ku ukutholakala kanye ngokunemba izikweletu. Lapho zithwetshulwa kuqedile, ulwazi kuzobuyekezwa, futhi izinto engalungile kuzosuswa. Lapho isicelo kumele inikezwe isinqumo esibhalwe nge ukulungisiswa enemininingwane.

Obolekayo uyezwakala ngqo ebhange, uma azi ukuthi iphutha sekungene kule esithile sesikweletu. Ukuze wenze lokhu, kufanele uhlinzeke incwadi yesicelo inhloko igama yebhange.

Ababoleka imali kufanele sikhumbule ukuthi ibhange Yiqiniso, kubalulekile Umlando wokukhokha kwemali. Bangaki ezitolo umlando, wazi isidingo, kodwa lokho akusho ukuthi uma kukhona ukubambezeleka kancane ebhange bese ithumela impendulo ongathandeki CRB. Bank kuze kube muva nje ukukhunjuzwa yesikweletu ngaphandle kokwenza noma isiphi okwengeziwe. Futhi, ngaphambi kokuthi netwetwe kubuzwa lo mbuzo "kangakanani-credit umlando lilondolozwe?", Uyazi ukuthi amabhange abe nemingcele zabo ngenxa "amhlophe" isikhathi, ukuze credit ukuvunyelwa. Ngokwesibonelo, uma engaba umboleki kwakungekho ukubolekisa inkinga phezu eminyakeni emithathu edlule, maningi amathuba okuthi i iBhangengodla lenelisekile.