- Imali mboleko iyithuluzi lezezimali eliguquguqukayo elihlukaniswa ngokwesiqinisekiso kanye nenhloso yalo.
- Kubalulekile ukuqonda umehluko phakathi kwesikweletu nemali mboleko ngaphambi kokufaka isicelo sokuxhaswa ngemali.
- Kunezimali mboleko ezithile zabathengi, izindlu zemboleko, amabhizinisi nokuningi, ngayinye inezici zayo.
- Ukuhlola izinga lenzalo, isikhathi, kanye nezidingo kubalulekile ekukhetheni imali mboleko efanele.
Uma kukhulunywa ngokuthola uxhaso lwezimali, kungaba ngesidingo esithile noma ukwenza iphrojekthi, izikweletu Zisalokhu zingenye yamathuluzi ezezimali asetshenziswa kakhulu. Kodwa-ke, akuzona zonke izimali mboleko ezifanayo, futhi Ukuziqonda kungenza umehluko omkhulu phakathi kokwenza isinqumo esihle noma ukungena enkingeni yezezimali. Ukuze ujule ngokubaluleka kokwazi izinhlobo zemali mbolekoKubalulekile ukucabangela izici ezahlukahlukene zenketho ngayinye yokuxhasa ngezimali.
Kusuka ku imalimboleko yomuntu siqu Kusukela kuma-documentary credits ayinkimbinkimbi kakhulu kuya ezindleleni eziningi zezimali, kunezindlela eziningi zokuthola imali, ngayinye inezidingo zayo, izinzuzo kanye nokungalungi kwayo. Lo mhlahlandlela uchaza konke. Izinhlobo ezivame kakhulu zemali mboleko, izici zazo, umehluko, kanye nokuthi kunini lapho kunconywa khona ukukhetha eyodwa noma enye.
Uyini umugqa wesikweletu futhi uhluke kanjani kumalimboleko?
Ngaphambi kokufunda ngezinhlobo, kubalulekile ukuqonda umqondo we- isikweletuUmugqa wesikweletu uwukuthengiselana kwezezimali lapho inhlangano yenza khona inani eliphezulu lemali elitholakala kumakhasimende ukuze alisebenzise ngokwezidingo zawo. Ngokungafani nemali mboleko, lapho yonke imali inikezwa ngesikhathi esisodwa, Ngemali mboleko, ukhokha inzalo kuphela emalini esetshenzisiwe.hhayi enanini eliphelele elinikeziwe. Ukuqonda lokhu kwehluka kubalulekile ekwenzeni izinqumo ezinolwazi mayelana [nodaba].
En los mbolekoNgokuphambene nalokho, inani eliphelele likhokhwa kusengaphambili futhi likhokhwe ngezitolimende ezivamile ezifaka inzalo kuyo yonke imali eyinhloko. Ngakho-ke, nakuba zombili lezi zindlela zivame ukusetshenziswa ngokushintshana, empeleni zisebenza ngendlela ehlukile.
Ukuhlukaniswa kwemali mboleko ngokwesiqinisekiso
Enye yezindlela ezivame kakhulu zokuhlukanisa imali mboleko ngokwe- isiqinisekiso esinikezwa yikhasimendeKuye ngokuthi kudingeka yini ama-backup noma cha, sinezinketho eziningana:
Imali mboleko enesiqinisekiso sangempela
Lolu hlobo lwesikweletu ludinga isiqinisekiso esibonakalayonjengekhaya, imoto, noma enye impahla. Kusiza ekunciphiseni ubungozi besikhungo sezezimali, ngoba uma iklayenti lingakhokhi, ibhange lingaqinisekisa ukuthi isiqinisekiso siyalandelwa.
- Izindlu ezibolekiwe: Ukuxhaswa ngezimali okuhloselwe ukuthengwa kwezindlu. Impahla izosebenza njengesibambiso.
- Isiqinisekiso sesithembiso: lapho izimpahla zezimali, njengezitoko noma izimali, zisetshenziswa njengezibambiso.
Imali mboleko enesiqinisekiso somuntu siqu
Kulokhu, Iklayenti linesibopho ngempahla yalo yamanje neyesikhathi esizayo.Kodwa hhayi ngezimpahla ezithile. Ngamanye amazwi, isiqinisekiso siwukufaneleka kwesikweletu komfakisicelo. Ukuze uqonde ngokugcwele ukuthi lezi zimali mboleko zisebenza kanjani, kuyasiza ukwazi ukuthi yiziphi izinhlobo ezitholakalayo kanye nezidingo zazo.
Lena yindlela evame kakhulu yokubolekwa kwemali mboleko yomuntu siqu. Umbolekisi uzohlola imali engenayo, umlando wesikweletu, nezinye izici ezibonisa ikhono lokubuyisela.
Amakhredithi axubile
Amanye amakhredithi angaba nakho kokubili isiqinisekiso somuntu siqu njengeqinisoIsibonelo, izimali eziningi zemalimboleko zidinga ukuthi umfakisicelo abe nemali engenayo ezinzile ngaphezu kwempahla njengesibambiso.
Imali mboleko engaqinisekisiwe
Kwaziwa nangokuthi izimali mboleko ezingenasiqiniseko. Azidingi noma yisiphi isibambiso, kodwa Zibeka ingozi enkulu kumbolekisi.Ngakho-ke, izimo zivame ukuba nzima kakhulu, ngenzalo ephezulu kanye namanani amancane.
Izinhlobo zemali mboleko ngokwenhloso
Ukuhlukaniswa okubalulekile okukodwa yilokho okuhlanganisa amakhredithi ngokwemigomo ukusetshenziswa okuqondile noma okuqondile okunikezwa imali etholiweLo mehluko uvumela umkhiqizo ukuthi ulungiselelwe kangcono izidingo zangempela zamakhasimende.
imalimboleko yomuntu siqu
Yakhelwe ukumboza izindleko ezingezona ezebhizinisiZithandwa kakhulu ngoba azidingi sizathu sokuthi imali izosetshenziswa kanjani. Ziyatholakala ezifundweni, ekulungisweni, ekuhambeni, emicimbini, ekuthengweni kwezimoto, nokuningi. Ukuze uthole ulwazi olwengeziwe ngalezi zinhlobo zezimali, ungabheka izinketho ezitholakalayo.
- Ukuthengwa kwemoto: Baxhasa ukuthengwa kwezimoto ezintsha noma ezisetshenzisiwe.
- Izifundo: Bakhokhela imali yokufunda, izinto zokwakha, noma ukuhlala phesheya.
- Imali mboleko yokuvuselela: Ilungele labo abafisa ukuthuthukisa noma ukuhlobisa kabusha ikhaya labo.
- Uhambo nemicimbi: Ifanele imicimbi ekhethekile njengemishado noma amaholide.
Amakhredithi e-mortgage
Zenzelwe kuphela ukuthengwa kwekhaya noma ukuthola imali mboleko ngokusebenzisa izindlu njengesibambiso. Ngokuvamile banemigomo emide kanye nenzalo ephansi.
- Izindlu ezibolekiwe: Baxhasa kuze kufike ku-80% wenani lempahla.
- Imali mboleko esekelwa yimali mboleko yendlu: Bavumela ukusetshenziswa kwempahla engenazo izithiyo njengesibambiso kwezinye izinjongo.
Imali mboleko yebhizinisi noma yezentengiselwano
Zisetshenziselwa ukuxhasa ngezimali izinhlelo zobungcweti noma amabhizinisi.Kuye ngobukhulu kanye nokuvuthwa kwenkampani, kunezinketho eziningi. Qiniseka ukuthi uyazi zonke ezitholakalayo kuwe.
- Ngemali yokusebenza: Zimboza izindleko zansuku zonke zenkampani, njengemiholo noma isitokwe sempahla.
- Ukuze kwandiswe: Zikuvumela ukuthi uthole imishini, umhlaba, noma uqalise emakethe amasha.
- Kwamabhizinisi amasha: eyenzelwe amabhizinisi asesigabeni sokuqala, yize enengozi ephezulu.
Imithombo engeyona yendabuko yamabhizinisi
- Ukuxhaswa ngezimali kwe-P2P: Ixhumanisa izinkampani ngqo nabatshalizimali ngabanye.
- Ukuxhaswa Kwezimali Kweqembu kanye Nokubolekwa Kwemali Kweqembu: Uxhaso luvela kubanikeli abaningi abancane, noma ngabe kukhona imbuyiselo yezimali noma cha.
- Izibonelelo kanye nemali mboleko yomphakathi: ilungele amaphrojekthi okusungula izinto ezintsha noma okusimeme.
Imali mboleko yabathengi
Lezi yizimali mboleko zomuntu siqu ezihloselwe ukuthengwa kwezimpahla noma izinsizakalo ezithile.Zilawulwa nguMthetho 16/2011, odinga ukucaca okuphelele okuvela kumbolekisi. Ukuze uqonde kangcono ukuthi zisebenza kanjani, kungcono ukubuyekeza lezo ezitholakala emakethe.
Zibonakala ngokuba namanani phakathi Ama-200 kanye nama-75.000 eurosUmthengi kumele athole idokhumenti enayo yonke imibandela yemali mboleko ngaphambi kokusayina.
Imali mboleko exhunyiwe
Kulokhu, isikweletu sihlotshaniswa ngqo nokutholwa kwempahla noma isevisiUma inkontileka yokuthenga ikhanseliwe, ikhredithi nayo ikhanseliwe ngokuzenzakalelayo.
Lolu hlobo lwesikweletu luvikela umthengi uma kwenzeka umkhiqizo noma isevisi ayilethwanga isesimweni esihle kakhulu.
Imali mboleko esheshayo kanye nemali mboleko emincane
Banikeza imali encane ngezikhathi ezithile. Inqubo ishesha futhi ayidingi mibhalo eminingi.Zinga-odwa ngisho naku-inthanethi. Ukuze uthole imininingwane eyengeziwe ngale mikhiqizo, sicela ubheke [isixhumanisi/isixhumanisi].
Kodwa qaphela: Ngokuvamile banenzalo ephezulu kakhulu.kwezinye izimo zifinyelela ku-20% noma ngaphezulu. Ngaphezu kwalokho, zivame ukudinga ukuthengwa komshwalense ukuze kuhlangatshezwane nezinkinga ezingaba khona zokungakhokhi.
- Imali mboleko esheshayo: inani elifinyelela ku-€10.000, kanye nemigomo yokukhokha efinyelela eminyakeni emi-5.
- Amakhredithi amancane: ngisho nenani elincane kakhulu, kodwa ngezikhathi zokukhokha ezimfushane kakhulu.
Imali mboleko eku-inthanethi
Ziyinguquko yezangaphambilini, njengoba ukucutshungulwa kwazo kwenziwa ku-inthanethi ngokuphelele. Zithandwa kakhulu ngenxa yokulula kwazo kanye nesivinini sazoKodwa-ke, kubalulekile ukuqinisekisa ukuthi wenza kanjalo ngamapulatifomu athembekile. Ukuze uqonde kangcono ukuthi ungayi-oda kanjani le mikhiqizo ngendlela efanele, kuhle ukubuyekeza imigomo nezici zayo.
Agqamile phakathi kwabo:
- Imali mboleko esheshayo eku-inthanethi
- Imali mboleko nge-crowdlending
Amakhredithi edokhumentari
Zisetshenziswa ikakhulukazi ku ukuhweba ngamazwe ngamazweIbhange lisebenza njengomlamuleli ukuqinisekisa ukuthi umthengisi uthola inkokhelo uma esethumele amadokhumenti afanele.
- Ingabuyiselwa emuva: Zingakhanselwa ngaphambi kokukhokha.
- Akunakuguqulwa: Azikwazi ukukhanselwa uma seziqalisiwe.
- Kuqinisekisiwe: Zihilela ibhange lesibili eliqinisekisa inkokhelo.
- Okubonakalayo: Inkokhelo esheshayo lapho kwethulwa amadokhumenti.
- Esikhathini eside: Inkokhelo ihlehliswa njengoba kuvunyelwene.
Imalimboleko ye-Subprime
Wazalelwa e-USA, Zenzelwe abantu abanekhono eliphansi lokuxazulula izinkinga noma abanengozi ephezulu.. Ngokubuyisela, Banamazinga enzalo kanye nezimali ezikhokhwayo eziphakeme kakhulu kunezimali mboleko zendabuko.Ukuze ufunde kabanzi ngezingozi ezihlobene nalolu hlobo lwesikweletu, kubalulekile ukubuyekeza ulwazi olufanele kanye nemiphumela yalo.
Azisekho emazweni anjengeSpain, kodwa zaziwa kakhulu ngesikhathi senkinga yezezimali yango-2008. kuxhunyaniswe nezimali mboleko zezindlu ezinobungozi obukhulu.
Izici ezibalulekile okufanele uzicabangele ngaphambi kokufaka isicelo semali mboleko
Ngaphambi kokuthatha imali mboleko, kunezici eziningana okufanele uzicabangele. ukugwema izimanga noma izinkinga zezimali zesikhathi esizayo:
- Izinga lenzalo: Imali mboleko engenasiqiniseko ivame ukuba nenzalo ephezulu.
- Isikhathi: Uma isikhathi sokukhokha siba side, kulapho izindleko zenzalo ziphezulu khona.
- Inani: Njalo oda kuphela lokho okudingekayo; uku-oda okwengeziwe ngokungadingekile kwandisa izindleko zezimali.
- Izidingo: Kusukela ezidingweni zemali engenayo encane kuya eminyakeni yobudala kanye nezimo zokusebenza, funda konke ngaphambi kokusayina.
Ukukhetha uhlobo olufanele lwemali mboleko kungenza umehluko phakathi kokuxhaswa ngemali okuwusizo kanye nomthwalo osindayo. Kusukela ezinkethweni zendabuko njengemali mboleko yomuntu siqu noma yendlu kuya ezindleleni ezintsha zokuxhasa ngemali ezifana ne-crowdfunding noma imali mboleko eku-inthanethi, into ebaluleke kakhulu ukuqonda kahle umkhiqizo, ukuqhathanisa ezinye izindlela, nokuqonda ngokugcwele yonke imigomo nemibandela ngaphambi kokwenza noma yisiphi isinqumo esibalulekile sezezimali.