Ingabe akhona amabhange angahloli umlando wesikweletu?
Ungalithola kanjani ibhange elingabheki umlando wesikweletu futhi elizokhipha imalimboleko uma kwenzeka kwephula umthetho ngaphambilini ekubolekeni?
Amabhange awahloli umlando wesikweletu ngaphandle kokuthi ufuna
Alikho ibhange elihlola umlando wesikweletu ngaphandle kwemvume yomboleki. Kunesigatshana esikhethekile esicelweni semalimboleko, esisho ilungelo lebhange lokuhlola ifayela lesikweletu, noma sibuze isifiso seklayenti sokuhlola. Ngaphandle kwesigatshana esinjalo, umbolekisi akanalo ilungelo lokucela imininingwane yakhe kwi-Credit Bureau.
Uma ungafuni ukuthi ibhange likubhalele okwedlule, unganqabela ukumaka impendulo ethi “cha” embuzweni othi: “unenkinga yokucela umlando wesikweletu,” noma ubhale ngesandla ukuthi awukuvumeli lokhu lapho uqinisekisa ubuwena. Ukwenqaba okubhaliwe ukuhlola umlando wokuboleka ngeke kuqinisekise ukuthi ibhange ngeke lihlole ubudlelwano bakho namanye amabhange ngemigudu yalo, ukuphathisa isheke kwabezokuphepha.
Ezimweni eziningi, ukuziphatha okunjalo kusongela ukwenqaba ukukhipha imali mboleko, ngoba ibhange lizocabanga ukuthi unokuthile okukufihlayo, futhi idumela lakho njengomboleki alilungile neze.
Yiliphi ibhange okufanele ufake isicelo kulo ngomlando wesikweletu esibi?
Ukukhulisa amathuba okuthola imalimboleko, kufanele uqale ukhethe ibhange elingenandaba nezinkinga ezedlule nababolekisi.
Abathembeke kakhulu izinhlangano ezinikezela ngemalimboleko ebonakalayo emahoreni ambalwa. Izinga lemalimboleko enjalo liphakeme kakhulu kunemikhiqizo ejwayelekile, lapho isinqumo sincike kulwazi oluphelele mayelana nokuthi ungubani lowo obolekayo. Izimalimboleko eziphuthumayo zingatholakala ngezinga eliphansi uma uqoqa iphakethe eliphelele kakhulu lemibhalo kusengaphambili futhi unikeze isitifiketi semali kanye nekhophi yencwadi yomsebenzi. Lolu lwazi luzosiza ibhange ukuthi lifunde kabanzi nge-solvency futhi linciphise ubungozi, okuzoba nomthelela omuhle ezimweni ezihlongozwayo zokubolekwa kwemali.
Kukhona enye indlela yokwehlisa izingozi futhi wandise amathuba okungahloli umlando wakho wesikweletu. Ukuze wenze lokhu, udinga ukuxhumana nebhange lapho uthola khona umholo njengephoyisa noma umvubukuli. Isibonelo, iSberbank izobheka umlando wokusebenzisana nayo lapho ibamba iqhaza kuphrojekthi yeholo bese ibheka uhlelo lokusebenza ngemizuzu embalwa. Ngakho-ke, asikhulumi nganoma yikuphi ukuqinisekiswa komlando kanye nesicelo esiya kwi-BKI.
Isixazululo sezinkinga zezezimali kungenzeka sithinte ibhange elikhipha amakhadi esikweletu. Umkhawulo wesikweletu okhishwe ekhadini uzoba mncane, kepha uma ulisebenzisa njalo ikhadi bese ukhokha isikweletu kulo ngesikhathi esifanele, ungacela ukukhuphula umkhawulo.
Njengomthetho, ngemuva kwezinyanga ezi-3-6 zokusebenzisa ikhadi, umkhawulo unganyuswa usuke emashumini ezinkulungwane eziningana uye kuma-ruble ayizinkulungwane eziyi-100 noma ngaphezulu.
Ukubolekwa kwamakhadi okunengqondo kuzonikeza ukufinyelela kwizimali ezibolekiwe iminyaka engu-1-3 futhi ngeke kudingeke uphinde ufake isicelo ebhange. Ukusetshenziswa kwesikhathi somusa kuzokuvumela ukuthi wonge ezinkokhelweni zenzalo.
Ingabe kufanelekile ukukhuluma ngomlando wesikweletu esibi?
Uma ungafuni ukusebenzisa imali ebolekiwe ngenani lentela elikhuphukile, xhumana nebhange elikunikeza ngezimo ezinhle kakhulu zokuboleka, kepha qiniseka ukuthi ubheka umlando wakho wesikweletu.
Izeluleko eziwusizo. Uma empeleni phambilini bekunezinkinga ngokukhokhwa kwezibopho ezikhungweni zezikweletu, khombisa ngobuqotho lokhu kuhlu lwemibuzo noma engxoxweni yomuntu siqu nesiphathimandla semalimboleko bese uchaza izizathu zokwephulwa kwemigomo yesivumelwano. Lokhu kungathinta ukuvunywa kwesicelo, kepha kuzokhuphula ukuzethemba kwebhange kuwe njengomboleki.
Ubufakazi obubalulekile bokuziphatha okuhle buzoba ubufakazi obubhalwe phansi bezizathu zokubambezeleka, isibonelo, ukungena esitifiketini sokuqashwa sokuxoshwa, ikhefu lokugula, isitifiketi sesehlukaniso, isitifiketi sokungafaki izimangalo salowo owayekweleta kuze kube manje.
Fakazela ukuthi izinkinga ezidale ukubambezeleka sezixazululiwe, nokuthi usuvele usuthole umsebenzi omusha okhokhela kakhulu, walulama, noma wasinda ezinkingeni zomndeni. Lapho iphutha lokufakwa okungekuhle kufayela lesikweletu lilele ebhange uqobo noma ukubambezeleka kwenzeke ngenxa yezizathu zobuchwepheshe, ungathola isiqinisekiso esibhaliwe esivela kumbolekisi wangaphambili.