Uboleka izinga - is imali loan

Lapho umuntu akanayo imali eyanele ukuba ezinkulu ukuthola, ukwelashwa, ukuqeqeshwa, ayekufuna ithuba ukuthatha imali yokwebolekwa. Ukuze umbolekisi waba nesifiso sokunikeza ngenani elithile ukusetshenziswa okwesikhashana, ngaphezu uyamethemba creditworthiness amakhasimende ayo, bebadzinga umvuzo.

Umqondo oyisisekelo

Uboleka izinga - Lena imali nokuthi umnikazi izimali ukushaja ukusetshenziswa yabo. Lesi sigaba kwezomnotho oluvelayo uma ukukhiqizwa lezimpahla esekelwe abasafufusa ubudlelwane credit. Izinga ezithakazelisayo - iphuzu yakhoibrium, okuyinto eyenzeka phakathi ukunikezela funa. Movement waboleka imali livela umuntu (noma inhlangano), okuyinto wakhipha imali ngaphandle kwenzalo ukuze lo muntu obolekayo. amaphesenti Inkokhelo kwenzeka ngakolunye uhlangothi. Lokhu uqeda izindleko wesifunda.

inqubo yokubala

Ngakho, intengo yemali ebolekiwe - iphuzu yakhoibrium phakathi kwaneliswe isidingo kwezimali kubo. Izinga ibalwa le ndlela elandelayo:

Stavka = GD / S * 100%, lapho Stavka - ngesilinganiso isithakazelo, GD - eyinzuzo kusho umnikazi (umbolekisi), S - inani capital ukuthi ikhishwa loan.

Uboleka izinga - yilokhu umboleki uyazinaka ngokuyinhloko ukucutshungulwa loan. Kukhona amazinga yangempela futhi bokuzisholo. Eyokuqala uyakucabangela ushintsho kwamandla emali. Esesibili - cha, njengoba kubonisa indlela ubuhlobo obuphakathi lemali esibuyiswe umboleki futhi ukubaluleka lokhu loan. Lena imali ikhokhelwa per unit isikhathi esithile imalimboleko. Kuyaphawuleka ukuthi ngempela senzalo - isisekelo sokuthethelelwa senza izinqumo zokutshala izimali.

Yini kuthinta ukubaluleka ukubheja?

Ukubolekwa izinga - kuyinto esigabeni (kwezomnotho), okuyinto kuxhomeke ezicini eziningana:

- Kusukela izingozi ehlukahlukene. Lesi isici sobuntu emakethe. Sinenkosi uma ungena izivumelwano nabaphakeli, ekukhiqizeni imikhiqizo emisha kanye nokunye. Ubungozi umbolekisi usengozini non-buyiselo kwezimali zabo. Lokho kuyoba ephakeme, ayanda iphesenti.

- Ngaphezu kwalokho, intengo yemali ebolekiwe - inani okuyinto incike esithize ekuvumelwene. Uma incane ke umbolekisi has kancane abawayeka ngoba ukusetshenziswa imali, awunikela ukusetshenziswa okwesikhashana. Kulokhu, iphesenti zizoba ngaphansi. Nge kwesikhathi ezikhulayo, inani layo iyakhula. Lokhu akukhona nje ngenxa inani elikhulu abawayeka, kodwa futhi ngenxa ingozi eliphezulu izimali okuzenzakalelayo.

- I kwabamemezeli nesithakazelo esikhulu sabantu mali kuxhomeke yokuphepha loan. Idiphozithi - ukubaluleka impahla noma waphonsa ngu umboleki esikhathini loan. Uma ngeke give up izikweletu zayo, umuntu ayemkweleta bangase bachithe into eyisibambiso. Kunciphisa ingozi alo ngokunciphisa iphesenti.

- Kusukela usayizi imalimboleko. Izinga othakazelisayo ngaphezulu sokubolekwayo ezincane. izindleko zokuphatha akuzona sincike usayizi imalimboleko. Ngakho-ke, lapho ngesilinganiso loan kuyoba ephakeme.

- On intela engenayo (amaphesenti) ka. Ezinye ukubolekisa angaphansi intela. rates abo zihlanganisa ubukhulu imalimboleko.

- Kusukela mncintiswano. Lapho ukukhula amanani ayo ziyancipha, kubonakala ngokukhethekile kahle ukwanda isibalo amabhange.

It lingahunyushwa baphetha ukuthi inani lenzalo yokuboleka le mali (isilinganiso) kuyinto ukubaluleka ukuthi kuyehluka ngokuhamba kwesikhathi futhi kuncike ezintweni ezahlukene.