Inkinga loans yasebhange futhi isixazululo yayo

I nzima isimo sezomnotho ezweni, libhekene ongaphakeme amandla wokuthenga kanye amaholo aphansi, abantu bephoqeleka ukuba uthenge izimpahla namasevisi ku-credit. Noma kunjalo, ingabe namuhla kungenzeka ukuthenga izindlu eside elindelwe ngaphandle kokuthatha imali ebhange? Impendulo yalo mbuzo isobala.

Imithombo: ukuthatha noma cha?

Nokho, abahlaziyi aveze ukuthi iningi ababoleka ezingaba ekuqaleni uhlose ngokufanele ukufeza izibopho ukuba ekuboleka: yasebhange isikhungo ukubuyela uthishanhloko kanye nesithakazelo safika sigijima. Nokho, ngemva ukusayinwa umuntu ngokuvamile ibhekene izimo ezingalindelekile ekuphileni: akabe esakwazi ukusebenza, yena axoshwe emsebenzini, engalali imithombo imali ... Yiqiniso, ezimweni ezinjalo, okweletayo bamenanisele isakhiwo zezimali, futhi inkinga loans.

Into embi kakhulu ukuthi ikhule njengomuntu Snowball. Inani izinhlawulo kanye isithakazelo lukhula nsuku zonke, futhi, ekugcineni, lo muntu obolekayo angahlala, bathi, "akukho ibhulukwe". Ngokwemvelo yasebhange kule ndaba kulula azicabange. Wayengafuni kule nkinga nge loans, nesuka okweletayo, efuna ukuthola imali yabo emuva, ngakho edonsela njengoba umsizi ejensi iqoqo, okuyinto ngezinye izikhathi ayinayo akwesabe nganoma iyiphi indlela: kokubili okusemthethweni nokungemthetho, ukuze "knock out" esikweletini kusukela umboleki. Yebo, ukuma akayena enviable kakhulu. Zikhona izixazululo, emkhathizwe kunenkinga nge credits? Cabanga ngalo mbuzo kabanzi.

Okufanele ukwenze

Ngakho, yini okufanele uyenze uma isicupho izikweletu? Into esemqoka - akusiyo ukwethuka uhlale sisangulukile. Zama ngangokunokwenzeka sisondelene abasebenzi lesikhungo credit futhi uchaze okushiwo nobunzima sakho sezimali.

Kungenzeka ukuthi bazokwazi ukukuhlangabeza uma utshela imininingwane eminingi ngendlela kungani unezinkinga ne ukukhokhelwa imalimboleko. Uma sibhekana namaqiniso ukuhlola ezingeni yabo solvency nabasebenzi yasebhange ozvuchte izinsuku eseduze buyiselo uma umbuzo kokuhlelwa kabusha izikweletu zizoxazululwa omuhle. Khumbula ukuthi uma ukubonisa ukuthi ngeke anqikaze nezibopho zabo futhi bafuna ukuchitha ibuyisele le mali ebhange, amathuba ukuze renegotiate imigomo nesivumelwano sokubolekwa kuyoba ngempela eliphezulu.

usizo lochwepheshe

Uma izinyathelo zakho siqu ukuxazulula inkinga nge inkokhelo yemali ebolekwayo ungazange yimpumelelo, kumele uthole amacebiso kuchwepheshe. Kulokhu, udinga nommeli ongumakad 'ebona. Akagcinanga zifezeke ngawe nge amaqhinga efanele yokuziphatha nabasebenzi lesikhungo yasebhange, kodwa futhi ukukuvikela okungafanele ohlangothini wabantu abaqoqa.

Qaphela ukuthi le nkinga nge loans kumelwe zixazululwe ochwepheshe ezikhethekile, abake babhekana ngokuphumelelayo izimo ezifanayo. Ungabi lazy umcele ukuqinisekisa leli qiniso.

Njengoba umkhuba ubonisa, zikhona izindlela eziningana lapho izinkinga isixazululekile ne ukubuyiswa kwemali imali. Ake sicabangele ngayinye yalezi zinkulumo.

Ukubulawa credit entsha

Okwamanje, lenqwaba abaxhumanisi emakethe yasebhange. Brokers kwesokudla noma kwesokunxele ukunikela isixazululo yabo inkinga credit. Yini? Uhlela kubo loan imali ukuze ukhokhele isikweletu eyodwa ubudala. isilinganiso esinjalo ubizwa nangokuthi refinancing loan. Nokho, asikwazi ukuthi lokhu kuhluka kufanelekile bonke ababoleka kodwa alidingi ehlisiwe. Into wukuthi ngokusebenzisa le ndlela, ungakwazi 'ukubulala izinyoni ezimbili ngetshe elilodwa "ngesikhathi esifanayo, uma imali njengokukwethembisa kwakhe, utsheleke yasebhange isikhungo esifanayo.

Okokuqala, uma uhlele loan elisha, bese enye inkokhelo izobanjezelwa izinsuku ezingu-30. Okwesibili, uma imalimboleko entsha eside, khona-ke inani senyanga "tranche" sinciphile. Nokho, ungakwazi ukuboleka imali kwesinye isikhungo credit. Into esemqoka lihlukile: uma kwenzeka uhileleka isigaba defaulters ezinonya, futhi une ukubambezeleka ku isikweletu ukubuyiswa kwemali ke ngomklamo imalimboleko entsha sekunzima ukubala. Ulwazi mayelana izinga ngalinye Umlando wokukhokha kwemali oluqukethwe kwirejista olukhethekile amaklayenti, futhi ibhange nganoma isiphi isikhathi kungaba wajwayelana kubo. Kodwa uma abasebenzi onganelisekile naso, ungasebenzisa amasevisi kwabalamuli nge idumela lihle, okuyinto ngenkokhelo uzovuma ukukhipha loan entsha ngawe.

izikweletu Lokuhlela Kabusha

Awazi indlela yokuxazulula izinkinga loans? Kukhona enye indlela evamile. Fike ukuyisebenzisa uthola izinzuzo ezithile kusukela ebhange: ukulungisa we imali nyangazonke, inkathi ezikweletini lokukhokha, ukwesulwa kohlangothi isamba semalimboleko. Ukuze ukwazi ukuthola imvume eshiwo ngaphezulu, kufanele uvakashele isikhungo sezezimali ukwazisa abasebenzi izinkinga zezimali bese ubhala igama ukuphathwa sesikweletu isicelo ezifanele.

Njengoba umkhuba ubonisa, nemboni yamabhange, kwezinye izimo kahle ukunquma phezu ukwesulwa inhlawulo, isijeziso ngisho kancane "thethelela" lemali oyinhloko.

umshwalense

ngokoqobo namuhla liwukuthi cishe bonke ababolekisi uncamela ukuthathelwa umshuwalense ukuze zilwe izingozi zezimali. Nokho, akubona bonke ababoleka ufunde ngokucophelela umbhalo yesivumelwano umshwalense loan. Futhi kule dokhumenti zilotshiwe amaphuzu abalulekile kakhulu, okuyilezi - lapho izimo ngomshuwalense uzokhokha loan esikhundleni okweletayo. Ngokuvamile, lokhu i-force majeure: ukukhubazeka, ukuxoshwa, ukufa. Kodwa ngisho nakulezi zimo ibhange ngeke enze izimangalo inkampani yomshuwalense kanye umboleki. Uma umcimbi ecacisiwe livelile, lona wamuva kufanele afake isicelo ngomshuwalense, ukunikeza kuye nge imibhalo ethile, bese kuphela kanjalo abe okweletayo. Futhi kumelwe ukuba ubufakazi ebhaliwe ukuthi umcimbi insured kwenzeka. Kufanele kukhunjulwe nokuthi kwezinye izimo inkampani yomshuwalense ngamabomu ukugwema izibopho zayo. Nalapha futhi, kukhona izinkinga kanye credit. Yini okumelwe uyenze? Okokuqala udinga avikele amalungelo abo e inkampani yomshuwalense.

Yingakho-ke kungenzeka ukuthi lo muntu obolekayo ziyophoqeleka ukuba uchithe isikhathi ku umbango nge umshwalense, futhi lapha kubalulekile ukufuna usizo kumuntu ofanelekayo.

Yini udinga ukukhumbula nokho

Ngakho, wena ube nezinkinga inkokhelo yemali ebolekwayo. Yini angayenza kulesi simo? Into esemqoka akukona ukuthi ukuthatha ukulinda ubone isikhundla, enethemba lokuthi uma zizoxazululwa ngokwalo. Kudingeka senze ekhuthele kakhulu. Zonke izikhalazo esikhungweni isikweletu kufanele kube ngokubhalwe phansi. Sicela uqaphele, ngokushesha uzoqala "ukuhambisa", kulapho ungakwazi inciphise izinhlawulo kanye nokuhlawuliswa. Ungakhohlwa ukuthi share sengonyama of nezivumelwano zezikweletu izidingo umthengi ihlinzeka unswinyo "ugogekile", naphezu kweqiniso lokuthi umthetho ukubaluleka kumele singeqi silinganisela ngendlela enengqondo futhi kungabi kakhulu ngaphezu kwamaminithi isamba yesikweletu.

Uma ngesikhathi esithile of "inkhulumomphendvulwano" nebhange unezinkinga, kufanele ngokushesha usizo onguchwepheshe. Futhi lapha kubalulekile acabangele yokuthi ezinye abameli kwezinkonzo zazo ezidinga pre-lokukhokha, kuyilapho abanye bacele mali ngemva kuyoba yi ebonakalayo.

Loan ukuthenga izindlu

Namuhla, abaningi baphoqeleka ukuba ukuboleka imali amabhange ukuthenga izindlu. Nokho, injongo enhle, kodwa ngaphambi kokuthi ukhethe uhlelo oluthile mortgage abolekise, ahlole ngokucophelela zonke "kochwepheshe" futhi "nebubi." Ukuhlolela nizithibe wekhono zabo zezimali, ngoba izimali nyangazonke kumele bakhokhelwe yonke iminyaka eminingi. Uma kungenjalo, kungenzeka ukuthi unenkinga nge loan mortgage.

Okufanele ukwenze

Khumbula ukuthi ezizenzakalelayo nesivumelwano sokubolekwa ku ukuthengwa Ezezindlu isikhundla ibhange sika ezinzima kakhulu futhi iziphethe kahle.

Lapha-ke mancane amathuba okuthi athambise isandla umboleki, ngoba imali "omkhulu". Kweleti izinyanga 2-3 ngasekupheleni wenze inkokhelo, ibhange, njengoba umthetho, sebenzisa "ikhadi trump" - ilungelo ukuthengisa indlu, elise isibambiso. Yiqiniso, yena waba kakhulu lokujeziselwa umboleki. Nokho, uma kukhona indlela yokuphuma ngaye?

Kuyindida kodwa yebo. Uma ine umlando credit lihle, ukuphathwa kwenhlangano zezimali kungathatha sinqumo esihle ukunikeza isikhathi somusa phezu oyinhloko kufikela kuzinsuku ezingu-180. Phakathi nale nkathi, okweletayo ophindisela kuphela isithakazelo, bese ivala isikhala noma yiziphi izinkokhelo ezingabanjwanga nobe kabusha izikweletu by ekudluliseleni umnqamulajuqu iminikelo. Noma kunjalo, umbuzo noma cha ukunikeza ilungelo kabusha, wanquma ngamunye.

Uma ibhange esongelwa enkantolo futhi ukhokhe lutho?

Nokho, lolu hlobo kwenzeka ukuthi ibhange enqaba ukuhlangana okweletayo yakhe, ekwazisa ukuthi ngeke ngobuhlakani umbango. Kwezinye ndlela siyasangulukisa, futhi kancane kancane sakwazi ukubabuyisela izikweletu. Nokho, leli qhinga yokuziphatha akwenzi mqondo, ngoba inani inhlawulo ukubambezeleka lukhula nsuku zonke, futhi lapho kwenzeka safinyelela inkantolo inani usayizi ngezinye izikhathi kakhulu. Ngakho-ke, ochwepheshe ukweluleka hhayi wokukucima ingxenye yesikweletu: Umlando wokukhokha kwemali isibe namanje neze, futhi imali uzobe kubangele ngoba ngosuku olulandelayo ubukhulu izikweletu iyoba futhi ukubaluleka ubudala. Akufanele kube ikakhulukazi wesabe umbango. Kunalokho, kufanele ekugcineni uqede ubuhlobo bakho ebhange. Isinqumo senkantolo sizomisa isamba izikweletu, okuzokwenza ayisekho ezicela izinhlawulo kanye nenzalo. Futhi ubheka ubungako bawo ngesikhathi kuqulwa icala lakhe, kunalokho, zingancishiswa. Intando inkantolo uyoba bailiffs, abaqotho kakhulu kunalezo ezisebenza ngokunyakazisa yokuqoqa ejensi. Futhi kusukela ngaleso sikhathi, ungathatha izinyathelo ukuze okungenani ingxenye angabuyisela izikweletu. Futhi uma uthatha izenzo yokwenziwa, le bailiffs ungakwazi ukuphoqelela yakho impahla kokuquleka. Ngakho, kungcono akhiphe isinqumo senkantolo, kancane ekwenzeni izinkokhelo. Futhi uma uzokwazi ukukhokha ngokugcwele off ebhange, akukuhle ukushaya indiva le ndlela.