Ungafunda kanjani umlando wesikweletu mahhala?

Kusukela ngo-2005, i-credit bureau eyodwa ivele eRussia. Manje umbolekisi uyazi ukuthi angayifunda kanjani umlando wesikolodo somuntu obolekayo. Lezi zinhlangano ziqoqa lonke ulwazi mayelana namakhasimende ebhange abasebenzisa izinsizakalo zokuboleka.

Ngenxa ye-CRI, izikhungo zezimali zingazivikela ezingozini zokungabikho ukubuyisela futhi zinikeze amakhasimende abathembekile imali.

Ungafunda kanjani umlando wesikweletu ngokushesha?

Noma yisiphi isakhamuzi esingokomzimba noma ibhange lingakwazi ukufunda ngemali ekhishwe ngaphambilini. Ulwazi lungabuye lunikezwe ngokuthi umbolekisi wabuyiselwa kanjani, kungakhathaliseki ukuthi kukhona izikweletu. Ngesikhathi esifanayo, kubalulekile ukucabangela ukuthi isakhamuzi singafunda kuphela ifayela lakhe.

Ungathola i-dossier yakho yekhredithi mahhala kanye ngonyaka kuphela. Uma uphinde usebenzise, uzodingeka ukhokhe inani elinqunyiwe.

Uma lowo obolekayo eyazi ikhodi yakhe, eyabelwe yona lapho ephothula isivumelwano sesibolekiso, khona-ke ungathola umlando wesikweletu nge-intanethi. Ukuze wenze lokhu, udinga ukuya endaweni esemthethweni yeBhange Elikhulu, esigabeni esithi "I-Catalog of history histories." Kulesi sigaba, udinga ukungena kwedatha yakho yepasipoti kanye nekhodi yokufinyelela yedijithali kumininingwane. Lena indlela esheshayo futhi elula yokujwayela umlando wakho wesikweletu.

Ngingayithola kuphi umlando wesikweletu uma kungekho ikhodi yokufinyelela yomuntu siqu?

Uma ungazi ikhodi yomuntu siqu, udinga ukuthumela incwadi ngemininingwane engaziwayo kanye nesignesha ku-Central Bank (isampula incwadi isendaweni esemthethweni yebhange) futhi ulinde impendulo. Ibhange eliphakathi lizothumela incwadi yokuphendula, ezokhombisa ikheli lehhovisi lapho idatha yakho igcinwa khona.

Kodwa indlela yokufunda umlando wesikweletu, wazi ikheli kuphela le-BCH?

Ungaxhumana nehhovisi ekhelini lendawo. Bamba ngokuzimele, ube nepasipoti nawe. Ukuthola indaba, uzodinga ukuqedela isicelo esibhaliwe. Ekuphenduleni isicelo esibhaliwe, ulwazi luzohlinzeka phakathi nesonto.

Uma kungekho isikhathi sokulinda futhi le ndlela yokuthola ulwazi ibonakala iyinkimbinkimbi, ungaxhumana nje nebhange osanda kumenqaba. Ngesikhathi sokufaka isicelo semalimboleko ebhange, ungabhala njalo isitatimende esicela ukuthi ufunde ifayela lakho. Ngakho ungathola ulwazi oluningana ngezikweletu zakho mahhala.

Kuthiwani uma uthola iphutha?

Ngeshwa, amabhange ngezinye izikhathi enza amaphutha. Lokhu kwenzeka ezimweni eziningi ngenxa yomsebenzi ongasebenzi: obolekayo uvale zonke izibopho zayo, futhi ibhange alinikeze idatha ku-credit bureau.

Njengomthetho, umboleki uyawela "ohlwini olumnyama" ngokungahambisani nezinsuku zokukhokha. Kodwa lapho elungisa isikhundla sakhe futhi ekhokhela izinkokhelo ezidingekayo ngokugcwele, usaqhubeka nokufakwa ohlwini njengalowo obolekayo. Imininingwane ayinaso isikhathi sokuvuselela ngaso leso sikhathi. Kulesi simo, kubalulekile ukunikeza ubufakazi bombhalo ebhange ukuthi izikweletu zibuyiselwe, futhi zisebenza ku-BCH ngokwenza izinguquko. Ungahlola izinguquko ngemva kwezinsuku ezimbalwa. Ngempela, ungafunda kanjani umlando wesikweletu - ngoba manje awunayo imfihlo.