Shayela ku abaqoqi izikweletu yomunye, yini okufanele uyenze?

Cishe, wena kwadingeka okungenani kanye empilweni ukusizakala izinkonzo uhlelo credit. Kodwa akuzona zonke ungomunye walabo ababa wathatha udumo, wakwazi wokuyibuyisa ngesikhathi. Kulokhu, ukuthola izikweletu nge payers ikakhulukazi budedengu, kuthatha izinkampani iqoqo. Ukuxhumana nalaba namanenekazi ukuletha eziningi izikhathi edabukisayo. nokuthuka Ikakhulukazi lapho abaqoqi osolwa ezikweletini angaphandle. Kuyinto kungalungile ukusho ukuthi lokhu kwenzeka njalo, kodwa lokho zokuxhumana iba abafiseleka ngokwengeziwe. Kungani kwenzeka futhi yini okufanele uyenze - inkulumo mayelana ngezansi.

Bobani abaqoqi, futhi kungani abakubiza ngokuthi

Kuyinto engavamile kithi, igama elithi "ngalendoda" ku kuhunyushwa kusho "ngalendoda", kodwa akufanele ukuqoqa izitembu noma izimvemvane iqoqo, kanye imali yabakhokhi bentela budedengu. Abaqoqi ingaba njengesihluthulelo ngabanye noma izinhlangano lonke - izinkampani iqoqo. Ngezinye izikhathi lezi 'kubathelisi "futhi nabasebenzi ebhange lezokuphepha. umsebenzi wabo oyinhloko - nganoma iyiphi indlela (Kuvunyelwe) ukuphoqa okweletayo ukukhokhela izibopho zezimali. Ngezinye izikhathi ezimisiwe iphethini ukwehluleka kwenzeka, okungaveza nemiphumela ebuhlungu.

Shayela ku abaqoqi izikweletu yomunye, ngenxa yezizathu ezihlukahlukene, kodwa ngokuvamile iningi kwenzeka ngephutha, elifanele ngesinye isikhathi kunzima kakhulu. "Abaqoqi" Sekuyisikhathi eside ejwayele ukusebenza ezimweni engavamile, futhi ngokuvamile ungaphenduli kokuncenga kwakho kanye izincazelo, ngoba abantu abafuni ukukhokha loan, futhi, ngokuvamile bathi Awunawo maqondana nalo.

Wena njengesithiyo yisiboniso?

Uma njalo abize abaqoqi izikweletu yomunye, khumbula, uma ungeyena guarantor loan abangane bakho, izihlobo noma labo osebenza nabo. Kwaba? Khona-ke ubiza "Gatherer" ngaso kakhulu cishe umuntu othathe credit, bakha izikweletu okuqinile, futhi lokhu kusho ukuthi ibhange banquma ukuqoqa imali yisiboniso, okungukuthi kuwe.

Into yokuqala okumele uyenze - uxhumane nomuntu ikhishwa loan, bese uzama ukuthola ukuthi kwamiswa ukwehluleka ukukhokha, futhi ngokushesha kangakanani uya ayicime. Mhlawumbe kufanele sifune izindlela zokuthuthuka ukuxazulula ndawonye inkinga - ukuxoxisana ebhange cishe refinancing mboleko noma zama refinance nomunye inhlangano (Yiqiniso, kulesi simo akufanele abe yisiboniso okwesibili).

Uma kuvela ukuthi okweletayo akuyona ngempela esimweni ukuba kuxazululwe isibophezelo, empeleni duty idluliselwe wena. Futhi kuyodingeka bakhokhe. Into engcono kakhulu ongayenza - iya ebhange ngoba usesho ngokuhlanganyela isixazululo. Uma axazulule nge inhlangano credit, unelungelo ukuthola ukusuka isihlobo (umngane) ku loan ukuthi guarantor, lonke isikweleti enkantolo.

Blame izihlobo

Kaningi kukhona isimo lapho loan wayethatha othile emndenini wakho, futhi wazi futhi abazi. Njengengxenye imisebenzi ngalendoda ukuze uthole imali umboleki ngakulahla nganoma iyiphi indlela esemthethweni, esimweni kumiswa ukubambezeleka beqala ukubelesela izingcingo nawo wonke umkhaya wakhe nabangane amafoni wabo kungatholakala.
Kuwufanele ukwazi ukuthi inqobo nje uma ungeyena guarantor loan, sokukhokhwa kwesikweletu ungaba kuphela ezimweni ezimbili:

• esimweni sokufa umboleki, uma indlalifa umuntu wathatha udumo, futhi ukwamukele ifa;
• Uma umfazi (umyeni wakho) ka okweletayo, kodwa kulokhu, ukuphoqelela ukuba ukukhokha isikweleti kuphela senkantolo.

Ngakho-ke, uma abaqoqi enizibiza ezikweletini yomunye, eyasungulwa kusuka yakho umzalwane / nodade, abazali, omalume, obabekazi kanye nanoma yimiphi eminye izihlobo, ngesibindi ukuthi akudingeki osikweleta asihlangene ngalutho futhi akudingeki ukuba akhokhe ke.

Lubhekele umakhelwane

Kaningi, abaqoqi efuna ukufeza umphumela oyifunayo, baqale ukwenza kuzo zonke izimpi. Abaningi babo, ngaphandle kwekutfola lutho ngokuqondile okweletayo noma umndeni wakhe, uqale ukushaya bonke omakhelwane, osebenza nabo kanye nabangane umboleki, e ukulindela ukuthi onjalo "kuhlasela kuzozonke" uyoletha imiphumela esheshayo. Kuleso simo, lapho uphinda ushayela leyo abaqoqi izikweletu zabanye abantu, okuyinto wena lutho, ngenhlonipho futhi ame aqine kuwo ukuchaza ukuthi nhlobo isibopho nome 'kubathelisi "noma yilabo ababamele. Futhi ngabacela ukubiza manje. Uma lokhu kungasebenzi - ke unganqikazi abomthetho.

Angazi kuye

Nokho, ngezinye izikhathi, kuyenzeka ukuthi abathelisi ushayele ku izikweletu ongamazi yomunye kuwe indoda. Lokhu kwenzeka ngenxa yezizathu ezihlukahlukene - isibonelo, inombolo yakho yocingo ngaphambilini kwakungekaNkulunkulu indoda, ngempela athole udumo, noma uye wathuthela efulethini, umniniso wasekuqaleni ezathatha loan, sicela ufake ikheli lakho elidala. Ngezinye izikhathi kukhona okubhala egameni banal, inombolo yocingo kanye neminye imininingwane.

Ngeshwa, kulesi simo, ukuqeda abaqoqi Isizathu esilula akunakwenzeka - kuyodingeka wenze umzamo owengeziwe. Ukuze uqale, thola idatha yomuntu, okuyiwona zamukelwa, bese wenza isicelo ebhange, okungukuthi ucingo. Encwadini ayibhalela uqoke ukuthi imininingwane yakho yokuxhumana ahlelwe ngendlela engafanele ongaziwa kuwe futhi cela umuntu ukwenza izinguquko database. Lindela impendulo. Kungcono ukuthatha eminye ngalesi isitifiketi yasebhange esishoyo ukuthi eyakho ingekho ohlwini e esikweletini ku loan. Susa amakhophi yonke imiqulu azithumele ngeposi kuleli kheli le nkampani iqoqo. Uma, ngemva konke okungenhla zokukhwabanisa ushushiso ngeke ayeke - ukubhala isitatimende wathi kumshushisi futhi amaphoyisa.

Uma abaqoqi ukubiza izihlobo zakho

Yiqiniso, kubuhlungu kakhulu ezifaka esimweni lapho abaqoqi shayela on izikweletu zabanye abantu. Ikakhulukazi uma isikweletu ngempela eyakho, njengoba abafonayo Sikhathazekile, isibonelo, ukuguga abazali '.

Okokuqala kubalulekile ukuchaza umndeni ukuthi empeleni abe izikweletu, uya asule esikhathini esizayo esiseduze bese ubacela ukuba ungakhathazeki. Okulandelayo, udinga ukucela abathandekayo ukukhumbula lokho ungakwazi futhi ayikwazi ukukhuluma abaqoqi nendlela engcono kakhulu yokwakha ingxoxo. Ukuze ugweme izinkinga phambili, noma kunjalo, musa ukukhipha imininingwane nganoma imiphi imininingwane yomuntu ngabo noma eyisihlobo nakwabangenangqondo. umndeni wakho awunayo ukutshela ngalendoda yiluphi ulwazi: igama elisha, ikheli, inombolo yocingo kanye neminye imininingwane - kungcono ibhizinisi lakho siqu. Kungcono ngesineke ukuphinda ukuthi abanayo nawe iyiphi ukuxhumana ngqo, akazange ukuxhumana kanye ayimeleli lapho ungathola. Uma umndeni wakho ngeke banamathele amaqhinga anjalo, manje noma ngokuhamba kwesikhathi, abaqoqi uzobe eboshiwe.

"Injabulo" Izinhlamvu

Ngaphandle ukuthi abathelisi ushayele ku izikweletu yomunye, ngezinye izikhathi abezwani uyabandakanyeka "ukulethwa okubhekiswe". Ngolunye usuku ekuseni ungase ukuthole kwibhokisi lakho lemeyili incwadi echaza ukuthi singakanani nokuthi yini ibhange udinga, kanye umyalezo ukuthi izikweletu idluliselwe inkampani iqoqo. Ngokuhamba kwesikhathi, incwadi kungase kubonakale ngaphezulu futhi kaningi, futhi isibalo sawo angaqhubeka ukwandisa. Fight nge umsebenzi wabantu abaqoqa izikweletu silula - musa osabela ngayo kukho. Ngokuvamile, "yobuciko" enjalo nje libhalwe iphrinta ehhovisi futhi azihileli iyiphi lwezimpawu kanye nesignesha, okusho kungcono nje ephepheni ongenawo amandla ngokomthetho.

Mina kwakhala ...

Amakholi efoni kusuka abaqoqi ezikweletini yomunye angabakhulula enkingeni engenakuqhathaniswa ngaphezulu, ngoba ngokuvamile basuke okuphindiwe nsuku zonke futhi nganoma isiphi isikhathi sosuku. Ngisho noma opharetha-isikhungo call esinenhlonipho kuphela, ucingo yesihlanu isivele okubangela ukucasulwa ubala futhi infuriating lweshumi nanhlanu.

Ngezinye izikhathi ikholi yefoni encishisiwe nje ukuxhumana isisebenzi sasebhange (inkampani ngalendoda), futhi kuthatha uhlamvu kuhle ezinzima, nokusetshenziswa inhlamba ezazibhekiswe okweletayo nomkhaya wakhe. Khumbula ukuthi izenzo ezinjalo ziyathandeka emthethweni futhi kuhilelani umthwalo lobugebengu ngaphansi Article 163rd futhi 119th Criminal Code (impango nokuhuheka! Izinsongo nokulimaza ngokulandelana).

imiphumela engokomzimba

Ngisho lingandile abaqoqi usongo ezikweletini angaphandle idluliswe kuya esigabeni Ukuthintana ngokomzimba, isibonelo, ungakwazi Siyakwamukela ekhaya noma emsebenzini. Uma ehhovisi namanje endaweni yomphakathi, kakhulu ukuthi ungakwazi ukusongela kuleli cala - kungamanyala esabekayo, futhi sidelong nhla osebenza nabo. Kodwa lapha ekhaya kufanele baqaphele ngokukhethekile:

• noma kunjalo, musa ukuvumela izivakashi ezingavunyelwe indlu;
• uzama ukurekhoda ingxoxo ocingweni noma rekhoda yezwi;
• zonke izingxoxo kungaholela kuphela phambi kofakazi, ezifana omakhelwane.

Abaqoqi ushayele ku izikweletu yomunye - yini okumele uyenze futhi kanjani ukuba

Uma namanje akuzona lucky futhi ubhekene abasebenzi ephikelelayo ebhange noma iqoqo ejensi, okokuqala ningatatazeli. Ukuze ngokushesha ngangokunokwenzeka ukumisa zokuxhumana ezingemnandi, kubalulekile ukuthuthukisa isu ecacile, ngoba ithemba lokuthi uzobe ngisele ngedwa, nje akudingekile.

Ngakho lokho uma ucingo kusukela yasebhange izikweletu yomunye:

• kuqala kunazo zonke kudingeka sithole oxoxa nabo, ufunde igama patronymic umthombo, kanye isikhundla salo;
• eminye uzame ukuthola igama eliphelele kwenhlangano, ikheli layo okuyiqiniso futhi zomthetho, futhi nenombolo yocingo;
• ukurekhoda idatha siqu okweletayo, okuyinto ngifuna ngalendoda (ebhange umsebenzi);
• buthule lalela izidingo ucingo futhi ubacele ukuba axhumane nawe kamuva;
• Uma ucingo enqaba ukukwazisa idatha ngenhla, ivale ngokuphepha phansi ingxoxo, isixwayiso ukuthi uhlose ukufaka isicelo iziphathimandla komthetho.

Landelayo kuzodingeka benze ngokuvumelana nezimo:

• esimweni lapho kukhona isicelo sokuba isizinda (isibonelo, ubungase guarantor ukwazana nesivumelwano sokubolekwa imali), uyobe uhlakaniphile uma zicela ukusekelwa ummeli credit, futhi abasebenzi ejensi iqoqo (Bank) ukunikela ukuya enkantolo;
• Uma nje wenziwa umuntu contact ekuphetheni inkontileka, futhi nakakhulu uma akudingeki umboleki asihlobene - uxhumane ebhange ukucacisa isimo, omabhalane phakathi nekhulu lesibili umbiko call ezathathwa kanye buza ngaphezulu wena ungakhathazeki;
• uma kwenzeka ukuthi ubiza ngeke phikelela - zama ukubhala phansi ingxoxo on tape, futhi uxhumane amaphoyisa nezinsolo impango nokuhuheka;
• futhi uma lokho kungasizi - ubhalele umshushisi nge isikhalazo mayelana Ukungenzi lutho komthetho.

Uma konke okunye yehluleka

Esimweni lapho zonke Kulezi zindlela ezingenhla, ungadikibali elamukelekile, kanye abaqoqi ukubelesela abantu ebusuku izikweletu yomunye, okuwukuphela kwekhambi eqiniso okumelwe awenze, banxuse enkantolo. Njengoba sisekelwa ummeli abafanelekayo, singakwazi ukufuna ngokuphepha ukulungiswa ebhange zokuziphatha, futhi kwezinye izimo ngisho ukulinyazwa emzimbeni kuphela. Isibonelo, uma, ngemva kokuthintana abaqoqi baye landa kakhulu umfutho wegazi futhi usizo lwezokwelapha oludingekayo, ibhange uzophoqeleka nxephezela izindleko zokwelashwa. Ngakho uma ukuxhumana abathelisi izikweletu wakukhipha "ukuphatha", ungakhohlwa ukuze ulondoloze zonke usizo emtholampilo kanye amasheke izidakamizwa.