Uma ungakwazi ukukhokhela loan, yini okufanele uyenze? Iholide credit. Umthetho "Ngo abaLawula (Ukuqothuka)"

abolekise emakethe eRussia sanda. inani imalimboleko engenzi anda ehambisana nesiphithiphithi. + Kukhula inani loan futhi isikhathi eside ukubambezeleka, aba maningi umthwalo phezu iklayenti. Kuyinto umjikelezo omubi. Uma iklayenti engakhokhi loan isikhathi eside, it bafaka icala ngokumelene naye. Ngaphandle kwesizathu esizwakalayo ukuvikela isikhundla ukubambezeleka kuyoba nzima kakhulu. Indlela uphume ezikweletini?

memo lisha

Lapho umuntu efaka isicelo ukucutshungulwa loan ebhange, kumayelana imithombo engiyakubuyisela: amaholo, impesheni, amafa elihlehlisiwe. Nokho, izimo ezingalindelekile ezingase ziphakame nhlobo. Lokho lesikweletu ngeke ngibe umthwalo, kubalulekile ukuthatha ezinye izinyathelo kusengaphambili. Kungenjalo uzoba adala ubuchopho babo befuna ukuthola impendulo yalo mbuzo: "Uma angikwazi ukukhokha loan, yini okufanele uyenze," Yini ongayenza ukweluleka kulesi simo?

Okokuqala, ungakhohlwa mayelana izikweletu. Ngisho noma umnyango alikhulumi nanokukhuluma ushayele abaqoqi, ibhange isazoqhubeka inzalo kanye nokuhlawuliswa. Credit umlando is eziwohlokayo.

Okwesibili, zigweme ukuthintana abasebenzi ebhange. Kungenjalo, uzoshesha awela isigaba imikhonyovu, amakhasimende ezigcina umthetho.

Okwesithathu, zama ukungaxhamazeli. Yebo, isimo akumnandi, uma abasebenzi yasebhange esongelwa inkantolo. Isikweletu ku loan - iyinkinga zezimali. Ngo ezinjalo esimweni is hhayi ncamashi Kudingeka ukhiphe i-loan imali ukuze ukhokhele isikweletu eyodwa ubudala. Sidinga ukugxila ukuxoxisana yasebhange bese uzama hhayi ukuletha icala enkantolo.

Kanjani ukwakha inkhulumomphendvulwano?

Uma sokukhokhwa kwesikweletu kuba yinto yesikhashana bese kuhlobene umsebenzi ushintsho, kungcono ukuthi kuxoxiswane kushejuli entsha yenkokhelo. Imininingwane eyengeziwe mayelana nendlela ukuhlela credit iholide, ukufunda ku.

Uma inkinga nemali ngokushesha isixazululiwe, kubalulekile ukuba ubuze ebhange ukuze renegotiate imigomo yesivumelwano futhi ukunikeza imibhalo eqinisekisa ngongakwazi ukukhokha izikweletu we (isitifiketi wezokwelapha, isitifiketi sokuzalwa / ukufa, t. E.). Luphinde kwadingeka achazele ebhange lapho izimali zitholakala emva kwesikhathi. Okokuqala, cela kangcono ukuba lihlehle icala lezinyanga 2-3. yasebhange Qotho Ngeke ngikwazi ukushaja izinhlawulo uma wanelisa iklayenti ubuqotho. Endabeni esephule isivumelwano ezivuna entsha ebhange, ungakwazi ukukhohlwa.

ukuhlelwa kabusha

Uma ungakwazi ukukhokhela loan, yini okufanele uyenze? Ungazama ukuxoxisana kabusha izikweletu, noma "kabusha" kwezimiso credit. kuyinto Umgomo we operation yayo nse. Sine ukufakazela iqiniso ngongakwazi ukukhokha izikweletu ebhange ngezizathu ezinhle, ukuchaza lapho imali kuyoba ngokuhamba kwesikhathi. Credit inhlangano unesithakazelo imali. Uma ibhange uzokuqonda ukuthi onenkinga bacabange ikhasimende Fide, uyoba inciphise inkokhelo, futhi ngeke ukunweba ukuphila yesivumelwano.

Umphumela kokuhlelwa kabusha incike idumela iklayenti futhi ingqondo. Umthengi ukutusa ayizinkulungwane 20. Hlikihla. Nweba zingasebenzi iminyaka engu-3. Ikakhulukazi uma kuba aziwayo ukuthi umthombo imali engenayo kuyoba loan entsha.

credit iholide

Uma ungakwazi ukukhokhela loan, yini okufanele uyenze? Omunye izixazululo inkinga bangaba design "credit iholidi." Kuyini lokhu? incazelo ngokusemthethweni igama elithi is hhayi abhalwe nganoma iyiphi ucezu umthetho, kodwa amabhange ngokuvamile ukuyisebenzisa ukuxhumana iklayenti. Iholide credit - a ukubambezeleka yokukhokha ku loan, kubukezwe nohlelo lokubuyisela imali njengoba ezikweletini. Isevisi inikezwa kuphela sokubolekwayo eside (mortgages and loans imoto). Umthetho "Ngo abaLawula (Ukuqothuka)" inikeza ezimbili ongakhetha "credit iholidi." Ngamunye wabo has izici zayo siqu.

Qedela ukubambezeleka buyiselo imalimboleko ngaphandle kokushintsha imigomo yenkontileka olunikezile uma phakathi naso sonke isikhathi imalimboleko, futhi ngokuvamile ngemali ethile. Isisekelo lezi "ngamaholide" banesizathu esizwakalayo, okungaba qinisekisa zabhala: Ukuwohloka ezempilo, ukuxoshwa, njll ...

Bank oholela kangcono ukunikeza iklayenti ukubambezeleka isikhashana esinqunyiwe inkokhelo yemali ebolekwayo, inqobo kokukhokha ngokushesha inzalo mboleko. Izikhungo ungase unikezwe kabili isikhathi yesivumelwano ngasinye, kodwa hhayi ezinyangeni eziningi ngaphambili kuka 3 emva esiphethweni salo. Njengoba isithakazelo zakha ingxenye enkulu inkokhelo, inkokhelo ngokwayo yehliswe kancane. Uma isikhathi isikweletu hhayi enwetshiwe ke ekupheleni "ukuhlaba ikhefu" nyangazonke lenkokhelo iyakhula. Kuzo zonke izimo, okwandisa ngokweqile Imininingwane ku inkontileka.

Indlela yokwenza kokulibala?

"VTB" credit iholide inikeza ngemuva kokuthola ubufakazi yesimo esinzima kwezezimali. Ezinye izinhlangano ukunikeza inkonzo enjalo iklayenti, kodwa imali. Kanjani ukuze uthole "VTB" credit iholidi? Udinga ukuqoqa futhi unganikeza isiphathi · mandla loan imibhalo eqinisekisa nesimo esinzima kwezezimali, isicelo inkokhelo elihlehlisiwe. Emva kokuthola isinqumo esihle ukungena ngemvume sivumelwano amayelana ezishintshashintshayo credit.

"Ukuhlaba Ikhefu" kungase kube yisisombululo sesikhashana, uma usuthathe loan abakwazi ukukhokhela izikweletu ngesikhathi. Kodwa imigomo yesevisi kufanele wafunda ngokuningiliziwe ukuze singathwesi singene ebugqilini entsha.

izikweletu emgodini

Uma ungakwazi ukukhokhela loan, yini okufanele uyenze? Into yokuqala okudingeka sokwehlisa yena ithintane nge ebhange.

Uma eziningi ukubolekisa, udinga ukuqoqa nabo zibe munye, ukukhokha izikweletu kanye ngenyanga futhi musa buthelela izinhlawulo. Ungakwazi izikweletu kanye nezinye izikhungo credit. Nokho, umbolekisi entsha kuzodinga ukuthi ngabe iphakheji emikhulu kwemibhalo kanye nokukhokhelwa isevisi.

Ungayididanisi refinancing nokuthola imali-mboleko entsha ngokheshi. Isevisi lokuqala inikezwa ukunciphisa umthwalo loan. Iklayenti uthola loan entsha ngamanani aphansi zenzalo ngokuqondile sokukhokhwa izikweletu ubudala.

Umthetho "Ngo abaLawula (Ukuqothuka)" inikeza ukuthi eseduze lingathengiswa. Kungcono uma lo muntu obolekayo kuzothatha lesi sinyathelo ngokuzithandela. Kungenjalo, ibhange ethengisa impahla ngentengo isigamu emakethe.

Kufanele uqale wazise isikhungo credit Ukuvalwa. Uma ukuthembeka ikhasimende babungonakala ibhange ukuba bathumele ummeleli ukucubungula kuthengiselana. Akukho okungalungile ngalokho. Credit inhlangano unesithakazelo yokuxazulula le nkinga iyabheda. usizo Isazi ukuthola umthengi kanye imibhalo ephelele ye kuthengiselana.

Angazi ukukhokhela ukubolekisa: Imithelela

Isikweletu ku loan - iyinkinga zezimali. Xazulula kube nzima, kodwa akuyona into engenakwenzeka. Into esemqoka - ungadikibali. Kwenzekani uma ungenawo akhokhe loan nhlobo?

Nezikweletu bayozibuthela njengomuntu Snowball. Ngokuhamba kwesikhathi, inzalo, izinhlawulo kanye umzimba imalimboleko ziyoyidlula ngezimali. Yemali esalele emuva baye welula size siguge.

Ngokuhamba kwesikhathi, ibhange kuzokwenza ukuxhumana. Okokuqala, abasebenzi Uyobiza call centre bese ochwepheshe. Umgomo wabo - ukuze uthole likhokhe. Abaqoqi sebenzisa izindlela nolaka emsebenzini: shayela guarantors, ukusebenza, shiya imilayezo kubangani bakho kumanethiwekhi omphakathi.

Kwenzekani uma ungenawo akhokhe loan nhlobo? Ngokuhamba kwesikhathi, le ndaba usiwa ekhotho. Uma isivumelwano amicably kuhlulekile, izizathu ezivumelekile ukubambezeleka izikweletu kungenjalo, khona-ke ukubhekana izazimthetho egcekeni kulapho akunandaba mqondo. Zonke izindleko kokuqhutshwa ngeke bayeke ummangalelwa. Ngemva isinqumo we abameli enkantolo ukuchaza impahla walimisa for endalini ukudayiswa.

isivivinyo

Enye into, uma izikweletu nesenzakalo isizathu kufaneleko. Ukuba umbiko wezempilo Ukuwohloka impilo, noma ikhophi oda lokwehliswa kumele baphakamise emalungelo ato amabhange. Uma isikhungo credit akuthathi le mibhalo ku-akhawunti, kungcono ukuya enkantolo bebodwa. Ummeli abanekhono kungasiza inselelo izidingo yebhange. Kukhona ngenjongo yokuthola amaphutha. Umshwalense kutfula tinhlawulo dedengu okusezingeni eliphezulu, futhi imibhalo ngephutha. Ukuze avikele amalungelo abo enkantolo, sibekezele. Inkantolo ingase inciphise ekhokhwa ngo-50%, futhi sizokwenza ummangalelwa ukunikeza akukho kuka-20% imali engenayo nyanga zonke ukukhokha izikweletu.