Isikweletu somthengi sokuthola isicelo

Imiyalo kaHulumeni iyisiqu esiphundu kunoma yimuphi inkampani. Ubani ongafuni ukuthola imali engenayo ngaphandle kwengozi enkulu? Kodwa-ke, ilungelo lomyalelo onjalo lunikezwa kuphela kubahlanganyeli emathenda noma endalini, ukubamba iqhaza okubandakanya ukwenza u-0.5-5% wezimali ezivela ekubalukeni kokuqala kwenkatho, kuyilapho ngokuyikhokhwa, ngokuhambisana nomthetho osebenzayo.

Ngokuvamile, izinkampani ezincane nezindawo eziphakathi nendawo zivunyelwe ukuhoxisa inani elibalulekile kusukela enkonzweni kuze kufike ezinyangeni ezingu-3 ngokungenakwenzeka: lokhu kwaletha ukulahlekelwa okukhulu kwebhizinisi. Yingakho amabhange kanye nezinhlangano zezikweletu zenze umkhiqizo okhethekile - umboleko wethenda ukuvikela uhlelo lokusebenza.

Iziphi izinkinga lolu hlobo lokubolekisa oluzoxazulula?

1. Imali ayiphumeleli, inkampani isebenza ngendlela evamile.
2. Uma kunesidingo sokubamba iqhaza kumathenda amaningana ngesikhathi esisodwa, ukubolekisa kuzosiza ekuhlinzekeni ukuvikeleka kuzo zonke izimo.
3. Ukubhaliswa kwemalimboleko yethenda, asikho isidingo sokuqinisekisa noma isibambiso. Iphakheji lamadokhumenti yizitatimende ezincane, ngokwanele zezimali zenkathi echazwe esikhungweni sezimali, imibhalo yobunikazi, i-questionnaire ephelele kanye nedatha yethenda. Lokhu kusiza ukusheshisa inqubo yokuvumela.
4. Ngisho noma ngesizathu esithile kufanele ubambezele izimali zeviki noma ezimbili, ungavumelana ngokuncane (noma kukhokhwe) ukuhlehliswa.

Izinkinga ekusebenziseni isikweletu sethenda

Kodwa kungenzeka yini ukuba ucabangele indlela enjalo yokuboleka isixazululo esingenakucabangela sezinkinga? Ungakhohlwa ukuthi le mboleko iyadingeka kusuka emavikini angu-1 ukuya kwangu-3. Ngalesi sikhathi, ungakwazi ukweqa ekuqaleni komncintiswano.

Esinye isici esibalulekile esidinga ukuxazululwa yizilinganiso zenzalo ngalolu hlobo lwemali mboleko. Ngokwesilinganiso, iRussia ibheka ngokusemthethweni ama-20%. Eqinisweni, uzothola isilinganiso kuphela uma ubonisa inani elidingekile lezimali zemali mboleko kanye nesikhathi esiqondile okudingayo ngaso. Ngamanye amazwi, lungiselela isithakazelo esibaluleke kakhulu okumele ukhokhe.

Uma, nganoma yisiphi isizathu, umncintiswano uthatha izinsuku ezimbalwa, kuzodingeka ukhokhe isithakazelo esengeziwe, ngokuvamile esibi kakhulu. Okungenani, lolu daba kufanele luchazwe esivumelwaneni ngokushesha uma idokhumenti ihlelwa ukuze ukwazi kahle izenzo zayo esimweni esingavamile.

Ukubamba iqhaza emincintiswaneni kusiza ukufezekisa isimo esithile, kudala ukukhangisa kwenkampani, kuthuthukisa isisekelo sezaklayenti futhi kuletha imali engenayo. Kodwa-ke, kufanelekile ukulinganisa ngokucophelela izenzo zakho kwimeko ngayinye ethize, ucabange zonke izimo. Ukuthola i-loan yethenda ukuvikela uhlelo lokusebenza, iklayenti ithola futhi izibopho eziningi okumelwe zihlangabezane ncamashi nangesikhathi.