Imali-mboleko yaseJamani
Isikhokelo sakho seTyala eJamani
Wamkelekile kwiwebhusayithi "yeMali-mboleko yaseJamani"! Ukukhangela kwakho ulwazi oluthembekileyo malunga nemali mboleko eJamani kuphela apha. Injongo yethu kukukunika ulwazi olubanzi noluhlaziyiweyo ukukunceda wenze ezona zigqibo zezimali zilungileyo ngokweemfuno zakho kunye neemeko zobomi.
Kwiwebhusayithi yethu unokufumana amanqaku aluncedo, iingcebiso kunye nezixhobo zokukunceda ukuba wazi iintlobo ezahlukeneyo zeemali-mboleko, iimeko, inzala kunye neenkqubo ezisebenzayo eJamani. Apha uya kufumana ulwazi malunga mboleko yezindlu, imali mboleko yabathengi, imali mboleko yeshishini, imali mboleko yabafundi kunye nezinye iindlela ezininzi onokukhetha kuzo.
Indawo yethu ikwabonelela ngolwazi ngeyona mithetho ibalulekileyo kunye nemigaqo enxulumene netyala eJamani, kunye neendlela ezingcono zolawulo lwamatyala kunye nokugcina umlinganiselo wetyala olungileyo.
Nokuba ungumphambukeli ofuna imali-mboleko eJamani okanye ungumhlali ixesha elide ujonge ukwandisa ulwazi lwakho lwezemali, silapha ukunceda. Sijoyine kwindlela eya kwimpumelelo yemali kunye nokhuseleko!
Imali mboleko
Imali mboleko yaseJamani yenza ukuba abemi bafumane uncedo lwezemali olukhawulezayo noluguquguqukayo. Ngaphandle kwezithintelo zenjongo, le mboleko ibonelela ngenzala ephantsi, iimfuno ezilula, ukusetyenzwa kwesicelo ngokukhawuleza kunye namaphepha amancinci. Isisombululo esifanelekileyo sokuhlawula iindleko ezingalindelekanga okanye utyalo-mali oluncinci.
Imali mboleko yezindlu
Imali mboleko yezindlu eJamani ivumela abemi ukuba bathenge, bakhe okanye bahlaziye izindlu nomhlaba. Ngamazinga enzala akhuphisanayo, amaxesha amade okuhlawula kunye nenzala emiselweyo okanye eguquguqukayo, imali mboleko yezindlu ilungiselelwe iimfuno zomntu ngamnye. Inkxaso-mali kunye nokuphumla kwerhafu kuphucula ngakumbi iimeko zokufumana ikhaya lakho.
mboleko yeshishini
Imali-mboleko yeshishini eJamani ibonelela ngenkxaso yemali koosomashishini ukuqala, ukwandisa okanye ukuphucula ishishini labo. Ngemiqathango yembuyekezo eguquguqukayo, amazinga enzala ahlukeneyo kunye nokwenzeka kwenkuthazo karhulumente, imali-mboleko yeshishini iququzelela utyalo-mali kwizixhobo, abasebenzi okanye inkunzi yokusebenza, ukukhuthaza ukukhula kunye nempumelelo.
Imali-mboleko ye-Intanethi eJamani
Iimali-mboleko ze-Intanethi eJamani okanye iimali-mboleko eJamani kwi-Intanethi ziimali mboleko eziqhelekileyo ezinomahluko omnye. Umahluko kukuba xa uboleka imali kwi-intanethi eJamani, akunyanzelekanga ukuba uye ebhankini ngokobuqu.
Yenza yonke into kwi-intanethi ukusuka kwintuthuzelo yekhaya lakho. Qinisekisa isixa-mali semali-mboleko oyifunayo, gcwalisa isicelo esifutshane se-intanethi, usithumele, kwaye ulinde unikezelo.
Kuhle ukwazi
Kweli candelo lendawo yethu, unokufumana izihloko ezahlukeneyo ezinxulumene nemali-mboleko eJamani ezinokukunceda ukhethe imali mboleko, kodwa ulumkise malunga nobuqhetseba obahlukeneyo.
Noko ke, ukuboleka imali sisigqibo esinzulu. Ngoko thatha ixesha lokufunda imisonto. Basenokukusindisa kwizigqibo ezimbi.
Amakhadi okuthenga ngetyala
Amakhadi okuthenga ngetyala eJamani abonelela abasebenzisi ukuba bhetyebhetye kunye nokuba lula kwentlawulo, kunye nokukhetha kokuhlawula ngezavenge. Ngoluhlu olubanzi lwabakhuphi kunye neentlobo zamakhadi, abasebenzisi banokukhetha kwiintlobo ezahlukeneyo zeenzuzo, ezifana neenkqubo zokunyaniseka, i-inshurensi yokuhamba okanye amaxesha angenayo inzala. Ukusetyenziswa kwekhadi lokuthenga ngetyala ngenkathalo kunceda ekwakheni uhlengahlengiso lwakho lwetyala.
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Ukuxhaswa ngetyala eJamani
Ukubonelelwa ngokutsha kwemali-mboleko eJamani kuvumela abasebenzisi ukuba batshintshe imali-mboleko esele ikhona bafake entsha, rhoqo ngeemeko ezilunge ngakumbi okanye inzala ephantsi.
Le nkqubo inokunciphisa iintlawulo zenyanga, ikhawulezise ukuhlawulwa kwamatyala, okanye idibanise iimali-mboleko ezininzi zibe nye. Ukubuyisela imali kufuna uphando olucokisekileyo kunye nokuthelekisa izibonelelo zokuqinisekisa iinzuzo zemali zexesha elide.
Imali mboleko yemoto eJamani
Abantu abafuna imali-mboleko yemoto bahlala beqala ngokuqhagamshelana nebhanki yabo yokuqala okanye omnye umbutho obolekisa ngemali. Kwimeko apho ufumana imali mboleko, ubeka umngcipheko wokuba kwimeko embi kakhulu uya "kutshiswa", kuba usanda kusondela kwibhanki enye ngaphandle kokuthelekisa ngokwenene. Mhlawumbi ngewenze ngcono ukuba ubusebenzise iqonga lokuthelekisa imali-mboleko kwangaphambili.
Amanye amaphepha
Iindidi mboleko eJamani
Iimali-mboleko zabaphambukeli eJamani
Iibhanki eJamani
Ukuvula iakhawunti eJamani
Imali-mboleko ekhawulezayo eJamani
I-SCHUFA eJamani
Indlela yokuboleka imali eJamani
Imali-mboleko yomntu eJamani
Imibuzo ebuzwa qho
Ziziphi iimeko ezisisiseko zokufumana imali-mboleko eJamani?
Imiqathango ibandakanya: ubungqina bokuhlala ngokusisigxina okanye ubumi, umvuzo oqhelekileyo, umlinganiselo oqinisekileyo wetyala (Schufa) kwaye, kwezinye iimeko, ubungqina bengqesho okanye uzinzo lwemali.
Ngawaphi amanyathelo okufaka isicelo semali mboleko eJamani?
Amanyathelo aquka ukuphanda ngeemali-mboleko ezahlukeneyo, ukuqokelela amaxwebhu ayimfuneko, ukungenisa isicelo semali-mboleko (ehlala sikwi-intanethi), ulinde ukuvunywa kunye nokusayina isivumelwano semali-mboleko.
Ndingaliphucula njani izinga lam letyala (Schufa)?
Ukuhlawula amatyala rhoqo, ukuhlawula amatyala ngexesha, ukusebenzisa amakhadi okuthenga ngetyala ngokufanelekileyo nokuphepha ukubolekwa kwemali ixesha elide kunceda ukwakha umlinganiselo omhle wetyala.
Uthini umahluko phakathi kwamazinga enzala amiselweyo kunye nawo aguquguqukayo?
Izinga lenzala emiselweyo alitshintshi ngexesha lonke lokuhlawula imali-mboleko, ngelixa izinga lenzala eliguquguqukayo linokuthi lihla linyuka ngokuxhomekeke kwiimeko zemarike, ezinokuchaphazela isixa sezavenge zenyanga.
Ngaba kunokwenzeka ukuba ufumane imali mboleko eJamani ngaphandle kobungqina bengeniso?
Nangona kunzima ngakumbi, kwezinye iimeko amaziko emali anokuvuma iimali-mboleko ngaphandle kobungqina bengeniso, kodwa amaxesha amaninzi anenzala ephezulu kunye neemfuno zeinshorensi ezongezelelweyo.
Yintoni i-refinancing yemali-mboleko kwaye xa kucetyiswa ukuba uyiqwalasele?
Ukubuyisela imali-mboleko kuthetha ukubuyisela imali-mboleko esele ikho kunye nentsha, imali-mboleko evumayo. Kuyacetyiswa ukuba uqwalasele ukubuyisela imali ukuba inzala yangoku iphantsi kunemali mboleko ekhoyo, ukuba ufuna ukunciphisa iintlawulo zenyanga okanye ukudibanisa iimali-mboleko ezininzi.
Isibali semali-mboleko esisisiseko
Isibali sokubala ngetyala
Ikhatyhuleyitha yemali-mboleko ibonelela ngesisombululo esilula sokuqikelela imali yokubuyisela, inzala kunye nexesha lokuhlawula imali-mboleko. Faka iiparameters ezifunekayo kwaye uya kufumana ulwazi olucacileyo oluya kukunceda wenze izigqibo zemali. Ukuze ufunde ngakumbi malunga nekhaltyhuleyitha yethu yemali-mboleko, cofa iqhosha lokufunda ngakumbi.
Iingcebiso Zethu
Thelekisa unikezelo
Phambi kokuba wenze isigqibo malunga nemboleko-mali, phanda amaziko emali ahlukeneyo kunye nonikezelo lwawo ukuze ufumane olona khetho lulungileyo kunye nenzala ephantsi kunye neyona migaqo ilungileyo yokuhlawula kwimeko yakho.
Kuphephe ukugcwala ematyaleni
Ukuthatha imali-mboleko eninzi kunokukhokelela kubunzima bemali. Hlaziya amatyala akho angoku kwaye ucinge ngokudibanisa okanye ukuxhasa ngemali ukuthoba iintlawulo zakho zenyanga kwaye ugcine umlinganiselo wetyala osempilweni.
Funda umbhalo omhle
Ngaphambi kokuba usayine isivumelwano semali-mboleko, funda ngononophelo yonke imigaqo nemiqathango ukuze uqonde zonke izibophelelo, iintlawulo ezinokwenzeka kunye neziphumo zokungahlawuli. Ukuba unemibuzo, unganqikazi ukudibana nomcebisi weengcali okanye wezezimali.
Amanqaku akutshanje
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I-SCHUFA eJamani
I-SCHUFA yinxalenye ephambili yenkqubo yezemali eJamani, kwaye kweli nqaku siza kuphonononga ngokweenkcukacha ukuba yintoni kanye kanye iSCHUFA, kutheni ibalulekile kwaye ungayiphucula njani. Siza kujongana nokulinganiswa kwetyala kunye ne-SCHUFA kunye nokuba kukuchaphazela njani ukuthatha imali-mboleko.
Ukubuyisela imali-mboleko eJamani
Ukubolekwa kwakhona kwemali eJamani kunokukunceda ukuba ufezekise iinjongo zakho zemali kwaye ukhusele iimeko ezingcono zemboleko yakho. Kweli nqaku, siphonononga imiba ephambili yenkqubo, kubandakanywa ukuqwalaselwa kwamazinga entengo yetyala, inzala, kunye nokhetho olunikiweyo. Sikwabonelela ngeempendulo kwimibuzo edla ngokubuzwa kunye neengcebiso zokuthethathethana neebhanki kunye namaziko emali. Ngesi sikhokelo, uya kulungela ngcono ukubuyisela imali mboleko yakho kwaye ufezekise iinjongo zakho zemali eJamani.