Ukunika Ababoleki Amandla: Awukho Umbiko Wesikweletu Odingekayo Izinhlelo Zokubolekwa
Kwembula Izinketho Zokuthola Imali Ezifinyelelekayo
Emkhakheni oguquguqukayo wokubolekwa kwemali, ukuvela “kokuthi Azikho Izinhlelo Zokubolekwa Ezidingekayo Zombiko Wesikweletu” kuphawula igxathu elibalulekile ekuhlanganiseni nasekuguquleni izinto kalula.Lo mhlahlandlela obanzi uklanyelwe ukukhanyisa izici, izinzuzo, nokucatshangelwa okuhlotshaniswa nezinhlelo zokubolekwa kwemali ezingagunyazi umbiko wesikweletu ovamile.Ake sihlole ukuthi lezi zinhlelo zibanikeza kanjani amandla ababoleki abangase babhekane nezinselele endaweni evamile yokuboleka.
Ukuqonda Awukho Umbiko Wesikweletu Odingekayo Izinhlelo Zokubolekwa
Ngokwesiko, umbiko wesikweletu womboleki usebenza njengento ebalulekile ekunqumeni ukufaneleka kwabo kwekhredithi.Kodwa-ke, izinhlelo ezithile zemalimboleko ziphonsela inselelo lokhu kujwayelekile ngokunikeza izixazululo zezimali ngaphandle kwemfuneko eqinile yombiko wesikweletu ojwayelekile.Lezi zinhlelo ziyaqaphela ukuthi amandla ezezimali omboleki adlulela ngalé kwesikolo sakhe, okuvulela iminyango kubantu abanamaphrofayela ezezimali ahlukile.
Izimpawu Ezisemqoka Zokungabibikho Kwezikweletu Ezidingekayo Izinhlelo Zemalimboleko
- Okunye Ukuhlola Isikweletu:
- Ukubuka konke: Kunokuthembela kuphela emibikweni yekhredithi evamile, lezi zinhlelo zemalimboleko zisebenzisa ezinye izindlela zokuhlola ukufaneleka komboleki.Lokhu kungase kuhlanganise ukuhlola imilando yokukhokha yerenti, izinsiza, noma ezinye izindleko ezivela njalo.
- Umthelela: Ababoleki abanomlando wesikweletu olinganiselwe noma ongenawo ovamile basengakwazi ukufaneleka ngokusekelwe ekukhokheni kwabo okungaguquki kwezinye izici zempilo yabo yezezimali.
- Izindlela ezisekelwe ku-collateral:
- Uhlolojikelele: Ezinye izinhlelo zokubolekwa ezingenayo imibiko yesikweletu edingekayo zingasebenzisa indlela esekelwe esibambiso, lapho inani lempahla exhaswayo liba isici esibalulekile esinqumweni sokubolekisa.
- Umthelela: Le ndlela ingaba yinzuzo ikakhulukazi kubaboleki abanempahla ebalulekile kodwa abangenawo umlando obanzi wezikweletu.
- Ukuhlola Okumaphakathi Kweholo:
- Uhlolojikelele: Ngokugxila emalini engenayo yomboleki nokuzinza kokuqashwa, lezi zinhlelo zihlola ikhono lomuntu lokubuyisela imali ebolekiwe, zigcizelela umthamo wamanje wezezimali phezu komlando wesikweletu sokuziphatha.
- Umthelela: Ababoleki abanemilando yezikweletu engajwayelekile noma labo abake babhekana nezinselele zezimali esikhathini esidlule bangathola izinketho zezimali ezifinyeleleka kakhudlwana.
Izinzuzo Nokucatshangelwa Kwababoleki
- Ukufinyelela Okuhlanganisiwe Kwezezimali:
- Inzuzo: Awekho umbiko wesikweletu odingekayo izinhlelo zokubolekwa ezikhuthaza ukubandakanywa kwezezimali, okuvumela abantu abangase bakhishwe ngokwenqubo evamile yokuboleka ukuze bathole uxhaso.
- Ukucatshangelwa: Ababoleki kufanele babuyekeze ngokucophelela imigomo yalezi zimali ezibolekiwe, kuhlanganise nezilinganiso zenzalo neshejuli yokukhokha.
- Ithuba Lokwakha Kabusha Ikhredithi:
- Inzuzo: Kubantu abafuna ukwakha kabusha izikweletu zabo, lezi zinhlelo zinikeza isitebhisi.Ukukhokha ngempumelelo kungaba nomthelela omuhle ekufanelekeleni kwabo isikweletu kukonke.
- Ukucatshangelwa: Ababoleki kufanele baqinisekise ukuthi uhlelo lwemalimboleko olukhethiwe lubika kuma-credit bureaus ukuze kwandiswe umthelela ongaba khona wokwakha isikweletu.
- Ukuvumelana nezimo okusekelwe emafeni:
- Inzuzo: Izindlela ezisekelwe esibambiso zinikeza ukuguquguquka kwababolekayo abanezimpahla ezibalulekile kodwa umlando wesikweletu olinganiselwe.
- Ukucatshangelwa: Ababoleki kufanele baqaphele ingozi engaba khona yokutholwa kabusha kwempahla uma kwenzeka kuba nephutha lokuboleka imali.
Ukucatshangelwa Kwababoleki
- Ukuxhumana Okusobala:
- Isincomo: Ukuxhumana okuvulekile nokusobala nababolekisi kubalulekile.Ababoleki kufanele baqonde ngokucacile imigomo, izidingo, nemithelela engaba khona yohlelo lwemalimboleko olukhethiwe.
- Ukuhlola Amathuba Okwakha Isikweletu:
- Okutuswayo: Ababoleki kufanele babuze ukuthi ukukhokha ngempumelelo imali ebolekiwe kuzobikwa yini kuma-credit bureaus, okuhlinzeka nethuba lokuthuthukisa iphrofayili yabo yezikweletu.
- Ukuhlola Ikhono Lokubuyisela:
- Okutuswayo: Ngaphambi kokuboleka imali, ababoleki kufanele bahlole amandla abo okubuyisela, becabangela iholo labo lamanje, izindleko, kanye nokuzinza kwezezimali kukonke.
Ukuzulazula kunqubo yohlelo lokusebenza
- Ukuqinisekisa Amadokhumenti:
- Isiqondiso: Ababoleki kufanele balungele ukunikeza amanye amadokhumenti asekela imali engenayo, imilando yokukhokha, kanye nevelu yesibambiso.
- Ukusebenzisana nababolekisi:
- Isiqondiso: Ukwakha ubudlelwano bokusebenzisana nababolekisi kungaba yinzuzo.Ababoleki bangafuna isiqondiso ngohlelo lwemalimboleko olufaneleka kakhulu ngokusekelwe ezimeni zabo ngabanye.
- Ibuyekeza Imigomo Yemalimboleko:
- Isiqondiso: Buyekeza ngokucophelela zonke izici zemibandela yemalimboleko, ufuna ukucaciseleka nganoma yimaphi amaphuzu okungenzeka angacaci.Ukuqonda imigomo kubalulekile ukuze ukwazi ukuboleka ngempumelelo.
Isiphetho: Indlela Eya Ekufakweni Kwezezimali
Awukho umbiko wezikweletu odingekayo izinhlelo zokubolekwa kwemali ezima njengesibani sokufakwa kwezimali, ezinikeza indlela kubantu abanezizinda ezihlukene zezimali ukuze bafinyelele uxhaso oludingayo.Nakuba lezi zinhlelo zinikeza amathuba abalulekile, ababoleki kufanele bakhulume nabo ngokuqonda okucacile kwemigomo kanye nokuzibophezela ekuphathweni kwezimali okunesibopho.Ngokuzulazula esimweni sokungabi bikho kombiko wesikweletu odingekayo ngezinhlelo zokubolekwa kwemali ngokuqwashisa nangokukhuthala, ababoleki bangasebenzisa izinzuzo futhi bazinike amandla ohambweni lokufeza izinhloso zabo zezezimali.
Isikhathi sokuthumela: Dec-05-2023