Ukuba uthatha imali mboleko yakho ebhankini, udla ngokuba nobulumko bokusebenzisa imali nangayiphi na indlela oyifunayo. Mhlawumbi ufuna ukuhlawula ityala elithile, cwangcisa isiganeko esikhethekileyo, okanye uqalise ukulungiswa kwekhaya. Ukuba unekhredithi enhle, imali mboleko yakho inokubonelela ngeentlawulo ezingcono kunekhadi lekhredithi yemali yokuqhubela phambili, kodwa akusoloko kulula ukuyifumana. Qinisekisa ukuba uyayazi into ekufuneka uyazi malunga nemali-mboleko yakho ngaphambi kokuba ufake isicelo.
Iimali-mboleko zoBuqu zibonakala kwiNgxelo yeTyala lakho
Ewe, imali-mboleko yakho ichaphazela amanqaku akho etyala. Ibhanki yakho okanye imanyano yamatyala idla ngokuxela isicelo sakho semali mboleko kunye nazo zonke iintlawulo zakho, kwaye imali mboleko ibonakala kwifayile yengxelo yetyala. Ukuba uhlawula imali mboleko yakho ngexesha kwaye uqhubeke uhlawula ibhalansi yakho esele ikhona, imali-mboleko yakho ayinakwenzeka ukuba ichaphazele kakubi amanqaku akho etyala.
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Kukho iScams phaya
Unokucinga ukuba kulungile ukuba ufumene umbolekisi ongadingi ukujonga imbali yakho yetyala ngaphambi kokuba unike imali mboleko yakho kodwa eneneni, mhlawumbi ubona uphawu lokuqala lomkhohlisi emsebenzini. Okubi nakakhulu: umbolekisi ocela ukuba uthumele imali kubo, esithi iyafuneka ukukhusela imali mboleko yakho. Hayi ayinguwe. Faka isicelo kuphela kwibhanki eyaziwayo nehloniphekileyo okanye imanyano yamatyala kuphela.
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Imali-mboleko yoBuntu inokuKhuselwa okanye ingakhuselwanga
Iimali-mboleko zobuqu ezininzi azikhuselekanga. Oku kuthetha ukuba ufanelekile ngokusekelwe kwimbali yakho yekhredithi, kwaye akukho mfuneko yokuba ubeke nasiphi na isibambiso. Ukuba awukwazi ukufumana imali-mboleko engakhuselekanga, umbolekisi wakho unokuvuma ukukunika imali-mboleko eqinisekisiweyo. Kule meko, imali-mboleko yakho inxulunyaniswe neakhawunti yakho yokonga okanye olunye uhlobo lwesibambiso sezemali. Ukuba awuzenzi iintlawulo zakho, umbolekisi angabanga isibambiso njengesakhe.
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indlela yokufikelela kwindoda yesigcawu dlc
Amaxabiso enzala angohluka kakhulu
Inzala yesihlanu ekhulwini? Ivakala kamnandi. Kuthekani ngama-36 ekhulwini? Zombini zinokwenzeka kwihlabathi lemali-mboleko yobuqu, apho amazinga enzala ahluka kakhulu. Ngokwesiqhelo, kokukhona ungcono amanqaku akho etyala, izinga lenzala elisezantsi onokufikelela kulo. Kodwa nikela ingqalelo kwixesha lemboleko, kuba imali-mboleko ixesha elide ikhokelela kwintlawulo eninzi yenzala.
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Ezinye iimali-mboleko zinezohlwayo zokuQalwa kwangaphambili
Mhlawumbi uthathe imali-mboleko yokujongana nemeko kaxakeka, kwaye ngoku imeko kaxakeka iphelile kwaye ukulungele ukuyihlawula kwakhona. Lumka. Unokuhlawuliswa imali eyongezelelweyo ukuba uyihlawule imali-mboleko ngaphambi kokuba ifike. Kungenxa yokuba umbolekisi wayebala yonke loo nzala abangayi kuyifumana ukuba uhlawula kwangaphambili.
umyili491 / Getty Imifanekiso
Ungaqinisekisa ukuba uMboleki wakho usemthethweni
Ukuba ufuna imali-mboleko yobuqu ebhankini okanye kwimanyano yetyala osele unobudlelwane nayo, maninzi amathuba okuba umthombo wakho wokuboleka usemthethweni. Kukho eminye imithombo yemali mboleko yobuqu, kubandakanywa ababolekisi be-intanethi kunye noontanga-kuontanga. Ukufumanisa ukuba ngaba zisemthethweni na (ingakumbi ababolekisi be-intanethi), jonga kwiBureau yeShishini eliNgcono okanye iBureau yoKhuseleko lwezeMali yaBathengi phambi kokuba ufake isicelo.
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Usenokuba neeNdlela zokuBoleka ngeNzala ePhantsi
Ukuba unamanqaku alungileyo etyala, sukucinga ukuba imali mboleko yobuqu kuphela kwendlela onokukhetha ngayo ukuze ufumane imali ekhawulezayo, efuneka ngokungxamisekileyo. Ukuba ungumnikazi wendlu yakho, i-equity line yetyala inokubonelela ngenzala ephantsi kakhulu kuneyo yemali mboleko yakho. Umyinge wokulingana kwetyala ekhaya unakho ukukunika isixa esikhulu semali ukuba uyayifuna. Kungenjalo, ikhadi elitsha letyala elikuvumela ukuba udlulise iibhalansi ngexabiso lenzala lentshayelelo lepesenti enguziro lixabiso elihle ukuba uthatha imali-mboleko ukuze uhlawule ityala. Qinisekisa ukuba uhlawula ibhalansi ngaphambi kokuba isantya sentshayelelo sinyuke, nangona kunjalo.
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Kusenokufuneka uhlawule uMrhumo wokuQala
Abanye ababolekisi babiza iimali zemvelaphi ezinokuqala kwipesenti enye ukuya kwisithandathu semali-mboleko. Ezi ntlawulo ziyilelwe ukuhlawula iindleko zombolekisi, kuquka ukutsala imbali yakho yetyala. Ukuba uthengela imali-mboleko yakho, qiniseka ukuba ubuza malunga nale mali ukuze ukwazi ukuthelekisa ukhetho lwakho ngokuchanekileyo.
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Isixa onokuthi usiboleke sixhomekeke kwiMbali yakho yeTyala
Ababolekisi basenokuvuma ukuboleka imali yabo naphi na ukusuka kwi-,000 ukuya kutsho kwii-,000. Buza ibhanki yakho ukuba yeyiphi ikepusi efuna ukuyibeka kwisakhono sakho sokuboleka. Baza kusekela isigqibo sabo kwimbali yakho yetyala (kuquka naliphi na elinye ityala onalo ngoku) kunye nomvuzo wakho.
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iimbono zokumisa ingca
Okukhona ixesha lokuBuyiselwa kwakho linde, kokukhona uhlawula inzala eninzi
Ezinye iimali-mboleko zobuqu zinokuba nexesha elingangonyaka lokubuyisela, ngelixa ezinye zinokolula kangangeenyanga ezingama-60 okanye iminyaka emihlanu. Uya kuhlawula ngaphantsi ngenyanga kunye nexesha elide lemali-mboleko, elinokubonakala linomtsalane. Nangona kunjalo, kunokwenzeka ukuba uhlawule ngaphezulu kwinzala ngelo xesha lide, kwaye loo mali-mboleko inokwenza kube nzima ukuvunywa enye ikhredithi.
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