Imali-mboleko eJamani

UKUNIKEZA KUNYE NONCEDO EKUKHEWENI IMALI-MBOLEKO

Inyani yokuba imali-mboleko kunye neekhredithi eJamani ayiseyiyo into enqabileyo. Ihamba ngaphandle kokutsho ngoku. Kodwa ngokwenene abantu baboleka ntoni? Ikwayinyani ukuba iimoto zihlala zixhaswa ngemali. 

Ukuthenga imoto kusafuneka kuwo onke amazwe ehlabathi, kubandakanywa eJamani, ngokukodwa kwimimandla yasemaphandleni, ukuze ukwazi ukuthatha inxaxheba kubomi bemihla ngemihla ngaphandle kokuphazamiseka. Ixabiso lemoto kwiimeko ezininzi liphezulu kangangokuba akukho mntu unokukwazi ukuthenga okunjalo epokothweni yakhe ngaphandle kokuthatha imali mboleko.

Ukongeza, namhlanje kulula kakhulu ukuthatha imali-mboleko eJamani. Yintoni imali-mboleko eJamani? Ungasifaka njani isicelo? Siza kuzama ukuphendula le mibuzo kunye neminye imibuzo emininzi enxulumene netyala eJamani kwiwebhusayithi yethu.

Iimali-mboleko eJamani zinako ibe yindlela eluncedo yokuhlawula iindleko. Kodwa ngaphambi kokuba ufake isicelo semali mboleko eJamani, kubalulekile ukuqonda yonke into engena ekubolekeni imali. Kwindawo yethu unokufumana ulwazi oluyimfuneko kwaye ukhethe eyona ndlela ilungileyo kuwe.
Ukhetho oluphambili
amakhadi okuthenga ngetyala eJamani

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Awunakuze wamkele isithembiso, ke ukuba isithembiso asanelisi, vele usikhabe kwaye asizokuxabisa nantoni na.
imali-mboleko ye-intanethi eJamani

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.

Ikhredithi yaseJamani

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 eJamani

Amakhadi etyala eJamani

Amakhadi okuthenga ngetyala eJamani aye ayinxalenye ebalulekileyo yemali yobuqu kuba abantu abaninzi bafuna ikhadi lokuthenga ngetyala ukuze bahlawule ngaxa lithile ebomini babo. Ngalo lonke ixesha ucinga malunga nokuchitha imali, kufuneka uvavanye okuhle kunye nokungalunganga kokusebenzisa ikhadi lakho letyala.

Ukusetyenziswa kwekhadi letyala ngenkathalo kukufunda ngemali ekuncedayo ukuba ulawule iimali zakho ngendlela elungileyo nesebenzayo. Sikulungiselele iindlela ezininzi zekhadi letyala eJamani.

mboleko yemoto eJamani

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.

Abathengisi beenqwelo-mafutha bakwabonelela ngeendlela ezahlukeneyo zenkxaso-mali, kubandakanywa ukungenelela kwemali mboleko yebhanki yeqabane okanye ukuqeshisa (nangoomahlakani), enokuba lukhetho olulungileyo kuwe.

Imali-mboleko eJamani: Kuhle ukwazi

Iimali-mboleko eJamani zikhontrakthi apho ufumana khona imali ngoku kwaye uyibuyisele kamva, nokuba lixesha elide okanye ngesixa-mali. Ukuze ubuyekeze iziko okanye umntu onika imali, udla ngokubuyisela ngaphezu koko ufumanayo. Le mbuyekezo idla ngokuba nenzala kunye nezinye iifizi ekuhambeni kwexesha.

Ngamafutshane, imali-mboleko ikuvumela ukuba uchithe imali oyifunayo ngoku kwaye ubuyisele kwikamva.

Umahluko phakathi kwemali mboleko yekhadi letyala kunye nemboleko yebhanki

Ngokuqhelekileyo, abantu abawazi umahluko phakathi kweemali-mboleko zekhadi lokuthenga ngetyala kunye nemali-mboleko yebhanki - ityala olifumana ebhankini ngokusayina isivumelwano. Zombini iimali-mboleko ziyafana kwaye zombini zisebenza ukuboleka imali evunywe yibhanki.

Umahluko kukuba ngamakhadi etyala, imali iyasuswa kwiakhawunti yakho. Oku kuthetha ukuba kwiimeko ezininzi ungena ebomvu kwi-akhawunti yakho evunywe yibhanki yakho, ngelixa kwimeko yemali mboleko, oko kukuthi, i-debit, oyithatha ebhankini, ufumana imali kwi-akhawunti yakho kwaye , kuxhomekeke kwinjongo, unokwenza nantoni na oyifunayo ngayo - kufuneka.

Ngokwesiqhelo, imali-mboleko eJamani evela ebhankini lukhetho olungcono xa ufuna imali eninzi ngenxa yenqanaba lenzala esezantsi kunemali mboleko yekhadi lokuthenga ngetyala eJamani kwiimeko ezininzi zinenzala ephezulu, oko kukuthi, kufuneka uhlawule. buyisela imali eninzi ukuba uboleka imali.

credit Germany

Iimali-mboleko zisebenza njani eJamani

Xa ufuna imali, ucela ibhanki okanye nawuphi na umbolekisi ukuba akubonelele ngemali. Ukwenza oku, udla ngokufaka isicelo okanye "ufake" isicelo semali mboleko, kwaye umbolekisi okanye ibhanki yenza isigqibo sokuba isivume okanye singasivuma isicelo sakho. Ababolekisi okanye ibhanki yenza isigqibo ngokusekelwe kwesakho ukufaneleka kwetyala (SCHUFA) — Uvavanyo lwakho lokuba uya kuyihlawula na imali-mboleko okanye hayi. 

Imali-mboleko eJamani, oko kukuthi, ukufaneleka kwakho ngetyala, kuxhomekeke kwizinto ezininzi, izinto ezimbini ezibalulekileyo yimbali yakho yetyala kunye nomvuzo okhoyo wokuhlawula imali-mboleko. 

Indlela yokuboleka abasebenzi baseJamani

Kukho iindlela ezininzi zokunyusa imali mboleko kubasebenzi baseJamani. Siza kukhankanya ezimbini ezidumileyo:

  1. Ukuya eofisini
  2. Isicelo semali-mboleko kwi-Intanethi

Ukuya eofisini

Iibhanki zasekuhlaleni ziindawo zokuqala abantu abaninzi abacinga ngazo xa becinga ngokuboleka imali eJamani. Ewe, oku kucinga okuqhelekileyo kuba ukuba sele ungumxhasi webhanki, uyawazi umsebenzi wabo kwaye oko kunika ukhuseleko oluthile entloko yomntu. Ngapha koko, imalunga nemali.

Ukuba ufaka isicelo apho, uya kudibana ubuso ngobuso negosa lemali-mboleko, amava aya kuba ngawebuqu, kwaye igosa linokuhamba nawe ngokulula kwinkqubo yesicelo. Xa kuthelekiswa nezinye iindlela, iibhanki zihlala zineziqinisekiso eziphezulu zetyala okanye iimeko zemboleko. Nangona kunjalo, ukuba sele ungumthengi, ibhanki inokukushunqulela amaphepha xa uboleka imali eJamani. 

Nangona kunjalo, le yindlela elula kakhulu, izinga lenzala kwibhanki yakho yasekhaya lihlala liphezulu kakhulu. Sicebisa ukuba undwendwele ezinye iibhanki kwaye ujonge izibonelelo ezikunika zona ukuze ukwazi ukukuthathela esona sipho silungileyo. Ukuya kwiibhanki ezininzi kuyindinisa kwaye kuthatha ixesha elininzi elixabisekileyo, kwaye sinokucebisa ukhetho olungcono. Oku kusizisa kwithuba lesibini lokuthatha imali-mboleko eJamani, esisicelo se-intanethi semali mboleko. 

 

Ikhredithi yaseJamani

Isicelo se-Intanethi semali mboleko eJamani

Ukuba uyazibuza ukuba ungayifumana njani imali mboleko eJamani, imali mboleko ye-Intanethi lukhetho lwakho. Le yenye indlela edumileyo yokufumana imali-mboleko eJamani. Namhlanje, unokufumana phantse yonke into kwi-Intanethi, kubandakanya ukuthenga indlu, ukuthenga imoto, ukuqala ishishini, kunye nokuthatha imali mboleko kwi-Intanethi.

Imali-mboleko ye-Intanethi ikuvumela ukuba ugqibezele inkqubo yesicelo semali mboleko kwi-intanethi, ukusuka kubutofotofo bekhaya lakho, ukusuka ekuthelekiseni amaxabiso okufaka isicelo kunye nokufumana imali. Unokufumana imali mboleko yakho kwaye ulawule iakhawunti yakho ngaphandle kokuya kwisebe lebhanki. Ezinye iimali-mboleko ze-intanethi eJamani zinokuvunywa ngokukhawuleza kangangokuba kuthatha ixesha elincinane ukufumana imali mboleko ye-intanethi kunokuba ithatha ukuya kwisebe lebhanki.

Njengayo nayiphi na imveliso yezemali, kufuneka wenze uphando lwakho kwinkampani osebenza nayo kwaye uqinisekise ukuba imali-mboleko yakho ikulungele.

mboleko ekhawulezayo eJamani

Zeziphi iintlobo zeemali-mboleko esinazo eJamani?

Sineentlobo ezininzi zeemali-mboleko eJamani, kwaye siza kudwelisa ezinye zazo:

  • Imali-mboleko yabucala okanye iimali-mboleko zokusetyenziswa simahla;
  • Iimali-mboleko zezithuthi;
  • Iimali-mboleko zokwakha okanye ukuthengwa kwezindlu nomhlaba;
  • Iimali-mboleko zokuhlelwa ngokutsha;
  • Imali mboleko yeshishini.

Imali mboleko yabucala eJamani okanye imali mboleko yokusetyenziswa simahla

Imali mboleko yabucala eJamani yimali-mboleko esetyenziswa ngabantu babucala ukuze bayisebenzise simahla. Ezi khredithi azityunjwanga kwaye unokuzisebenzisa kuyo nayiphi na injongo. Imali mboleko yabucala eJamani isetyenziswa rhoqo ukuxhasa ngemali uhambo, izixhobo zekhaya ezinkulu, ifanitshala, imfundo, kunye nokulungiswa okuncinci okanye ukuthenga imoto.

Isixa esikhulu esivunyiweyo kwiimeko ezininzi ukuya kuthi ga kwi-60000 ye-euro. Ukuba ufuna ukuthenga umhlaba, indlu okanye indawo yokuhlala engaphandle kweJamani ke oku kukwayindlela yakho. 

 

Imali mboleko yemoto eJamani

Imali-mboleko yemoto okanye imali-mboleko yemoto yimali-mboleko yezavenge ngenjongo ethile onokuyisebenzisa ukuthenga isithuthi (umz. imoto, isithuthuthu okanye ikhaya elihambahambayo). Kwiimeko ezininzi iimali-mboleko zemoto zitshiphu kunemali-mboleko yezavenge ukuze zisetyenziswe simahla (imali-mboleko yabucala). Ngenxa yokuba isithuthi esixhaswa ngemali sibonelela umbolekisi ngokhuseleko olongezelelweyo.

Imali mboleko yemoto eJamani inenzuzo yokuba unokuthenga isithuthi kumthengisi ngentlawulo yexesha elinye ngaphandle kwezavenge kwaye uhlala uthatha inzuzo yezaphulelo zemali (ukuncipha kwexabiso ukuya kuthi ga kwi-20%).

Imali-mboleko yokwakha okanye ukuthengwa kwezindlu nezindlu eJamani

Imali-mboleko yokwakhiwa okanye ukuthengwa kwe-real estate ligama elibanzi eJamani elibhekisela kwimali-mboleko esetyenziselwa ukuxhasa imali, oko kukuthi, ukuthengwa kwendlu, indlu okanye enye ipropati, kunye nokwakhiwa kwayo.

Sinemiba ebalulekileyo emininzi:

    • Ngemali mboleko yendlu, ufumana imali-mboleko kwibhanki yakho oyibuyisela ngezavenge (kunye nenzala).
    • Imali mboleko yezindlu eJamani inikezelwe, ngoko ke ungasebenzisa kuphela imali mboleko ngenjongo ekuvunyelwene ngayo.
    • Iibhanki zihlala zivuma iimali-mboleko zokwakha indlu okanye ukuthenga umhlaba.
    • Imali mboleko yezindlu nomhlaba nayo ingasetyenziselwa inkxaso-mali elandelayo okanye - kwiimeko ezikhethekileyo - ukuhlaziya okanye ukulungiswa.
    • Xa ubala, kufuneka uthathele ingqalelo umlinganiselo wakho wenkunzi, izinga lenzala elisebenzayo lonyaka lemali mboleko yezindlu nomhlaba kunye nexesha.

Iimali-mboleko zokuphinda kwenziwe inkqubo eJamani

Ukuba unengxaki yokuhlawula amatyala akho, ukuphinda uhlengahlengise imali-mboleko inokuba lukhetho oluhle. Ikuvumela ukuba udibanise zonke iimali-mboleko zakho zangoku kwimali-mboleko enye kunye neentlawulo ezifikelelekayo zenyanga, ngesiqhelo ixesha elide.

Ukuba uboleke imali enenzala ephezulu, unokuzama ukufumana isithembiso esinenzala ephantsi ngoncedo lwe-portal yokuthelekisa imali mboleko. Ukuba ukwazi ukufumana isipho esinjalo, thatha imali osibamba yona kwimali mboleko endala, uyibuyisele kwaye uqhubeke uhlawula imali mboleko ngexabiso lenzala eliphantsi, elikhokelela ekubeni ekugqibeleni uhlawule imali encinci kunokuba ubuya kubuya. uhlawule imali-mboleko endala. Ukuba ufuna ukuyihlenga-hlengisa imali-mboleko, unokufumana iinketho zaloo nto Apha.

mboleko yomsebenzi eJamani

Imali-mboleko yeshishini eJamani

Iimali-mboleko zeshishini eJamani zihlala zicelelwa imali okanye utyalo-mali oluya kusetyenziswa kwishishini lakho. Imali mboleko yeshishini ngoko ke, ihambelana ngqo neprojekthi yakho: ifanelekile ukuthengwa kwempahla kunye nezinto eziphathekayo kunye nokoyisa iingxaki zemali. Pkunye nemali-mboleko yobuqu elungele utyalo-mali lwexesha elide, ungathenga oomatshini, iimpahla zangaphambili okanye ukufakwa kwedijithali ngemali. Imalunga nokuqalisa inkampani entsha kwaye uyikhulise.

Yeyiphi imiqathango yemali mboleko eJamani?

Iimali-mboleko eJamani zisebenza ngendlela efanayo nakweyiphi na enye indawo emhlabeni: ufumana imali kumbolekisi kwaye uyavumelana ngexabiso lokuhlawula lenyanga. Umbolekisi wenza imali kweli lungiselelo ngokongeza umrhumo kwisixa-mali semali-mboleko, eya kongezwa kwisavenge ngasinye osibuyiselayo.

Ngokubanzi, ireyithi imele ukuzithemba kombolekisi kuwe, kunye nobungozi ababuthathayo ekubolekeni imali. Izinga liphantsi kakhulu xa iingozi zincinci. Umvuzo wangoku, ubume bomtshato, ubudala, iprofayili yezempilo, ukonga, iibhondi, izitokhwe, ubunini bepropati kunye neminye imithombo yomvuzo zizinto zonke eziqwalaselwa ngumbolekisi.

Kukho imigangatho emininzi ekufuneka uhlangabezane nayo ukuze ufumane imali-mboleko eJamani. Kufuneka uhlangabezane nale miqathango:

  • Kuya kufuneka uhlale eJamani.
  • Kufuneka ube ngaphezulu kwe-18 leminyaka ubudala.
  • Zilungiselele ukubonelela ngomthombo ongaguqukiyo kunye nobalulekileyo wengeniso (i-3 iipayslip zamva nje zabasebenzi, ukuya kuthi ga kwiminyaka emibini ye-balance sheets kuma-freelancers)
  • Ukukwazi ukubonisa isiphumo esihle se-SCHUFA.

Ngokusekelwe kwilizwe lakho lemvelaphi, unokukholelwa ukuba olu phando luphazamisile kakhulu okanye luyinto eqhelekileyo. Kubalulekile ukuqaphela ukuba amaJamani ayingobalandeli abakhulu betyala, kwaye abanatyala imali kwabanye.

Badume ngokungabi namakhaya abo, ukungasebenzisi amakhadi okuthenga ngetyala. Banetyala kumlinganiselo womvuzo onconywa ngamazwe amaninzi ehlabathini lonke. Ngenxa yoko, xa kufikwa ekukhutshweni kwemali mboleko eJamani, ababolekisi balumke ngakumbi.

Ungafaka isicelo semali-mboleko ngokwakho, ngeposi okanye ngefeksi. Iibhanki ezininzi zikuvumela ukuba ufake isicelo sakho kwi-intanethi. Kule nto, kuyacetyiswa ukuba usebenzise i-calculator yemali-mboleko kuba uya kukwazi ukuvavanya izibonelelo ezahlukeneyo kwaye ukhethe eyona bhanki ilungileyo. Emva koko ungafaka isicelo sakho kwi-intanethi kwiwebhusayithi yethu.

Isicelo semali-mboleko yabasebenzi baseJamani

Ukuba ufuna ukufumana imali-mboleko ebhankini, kufuneka uqale ugcwalise isicelo semali-mboleko. Oku kuthunyelwa ebhankini, egqiba ukuba ukulungele na ukubolekwa imali.

Olu lwazi lulandelayo luhlala luqukwa kwisicelo semali mboleko yomsebenzi eJamani:

  • Imali-mboleko iyonke
  • Ubude bemali-mboleko efunekayo
  • Izavenge zemali-mboleko ezifunekayo
  • Ukuba kufanelekile, isiqalo esicwangcisiweyo
  • iintlawulo zemali-mboleko
  • Ukufaka idatha yobuqu (idatha yobuqu, imeko yemali)

Kufuneka igxininiswe into yokuba lowo unokuba ngumboleki kuya kufuneka aveze amaxwebhu angqina ukufaneleka kwakhe kwityala kwakunye nemeko yakhe yezemali. Umgangatho olungileyo wetyala uyimfuneko ngakumbi ekuxhaseni ngemali.

Kwisivumelwano semali-mboleko, umboleki ufumana ifom yokuzivavanya. Zonke iinyani ezinikwe kule fomu kufuneka zingqinisiswe. Ngenxa yoko, kubalulekile ukuba unikezele ngolwazi oluchanekileyo malunga nawe.

Ngaphaya koko, umbolekisi uya kucela ulwazi lwe-SCHUFA ukugqiba ukuba umenzi-sicelo ukufanele na ukuba netyala. Ngenxa yoko, jonga kabini iirekhodi zakho zeSCHUFA ukuze uqinisekise ukuba zonke iimali-mboleko zangaphambili zibuyisiwe.

Ungafaka isicelo semali-mboleko ngokwakho, ngeposi okanye ngefeksi. Iibhanki ezininzi zikuvumela ukuba ufake isicelo sakho kwi-intanethi. Kule nto, kuyacetyiswa ukuba usebenzise i-calculator yemali-mboleko kuba uya kukwazi ukuvavanya izibonelelo ezahlukeneyo kwaye ukhethe eyona bhanki ilungileyo. Emva koko ungafaka isicelo sakho kwi-intanethi ngokusebenzisa iindlela ezichazwe ngasentla.

iimeko ngetyala eJamani

Iimali-mboleko eJamani kubabolekisi babucala

Olu lukhetho olutsha kwimarike, kodwa kufanelekile ukuqwalaselwa. Endaweni yokuba ibhanki enye enkulu ikuboleke imali, iqela labantu babucala lidibanisa iimali zabo. Ngenxa yezinga lenzala, bayakwazi ukwandisa utyalo-mali lwabo xa uhlawula iintlawulo zakho. Ukuboleka koontanga ligama elisetyenziswa ukuchaza olu hlobo lokuboleka.

Imali-mboleko eJamani ngexesha elifutshane kakhulu

Rhoqo, imali-mboleko yexesha elifutshane eJamani lukhetho oludingayo emva kweendleko ezingalindelekanga, ezinjengokuhlawula idiphozithi yendawo erentwayo eJamani. Nangona ngokuqhelekileyo kucetyiswa ukuba ufune inkxaso kubahlobo kunye nezalamane kwiimeko ezinjalo, kukho ii-portals ezininzi ezinokukunceda ukuba ufuna imali encinci ngokukhawuleza.
Nangona inzala iphezulu kancinane kunemali-mboleko yexesha elide, intlawulo yenziwa kanye kuphela ngenyanga, nto leyo enciphisa umngcipheko we-overdraft.

Ukufaneleka kwetyala eJamani (iSchufa eJamani)

Ezinye iimali-mboleko eJamani, nokuba luhlobo luni lwemboleko, zithathela ingqalelo ukufaneleka kwakho, ngelixa abanye bengakwenzi oko.
Xa besenza njalo, ithanda abantu abanamanqaku aqinileyo eSCHUFA kuba ke inzala iyancitshiswa. Oku kubizwa ngokuba yibonitätsabhängig (oxhomekeke kwityala) okanye bonitätsunabhängig (ityala elizimeleyo).
Ukuba unamanqaku aphantsi e-SCHUFA, le yingcamango ebalulekileyo ukuba uyazi; khangela iimali-mboleko ezingakuthatheli ngqalelo oku.

p2p ngetyala eJamani

Kutheni uthatha imali-mboleko eJamani?

Kukho izizathu ezininzi zokuba kutheni ungafuna imali-mboleko eJamani. Iiprojekthi zakho zobomi ziya kutshintsha njengoko ubomi bakho njengoko umntu wasemzini eqhubela phambili. Ngenxa yoko, unokufuna imali-mboleko yokuthenga indlu, imali-mboleko yokuthenga imoto okanye imali encinci ukuze ufezekise umbono wakho weshishini. Nokuba yintoni na, ukusondela kulo mbuzo unzima kulucelomngeni, ngakumbi xa kongezwa iimeko zebhanki zaseJamani!

Iibhanki zifuna ubudlelwane bexesha elide kunye nabathengi babo, nto leyo ethetha ukuba bafuna ukuhlala eJamani iminyaka emininzi. IJamani yaziwa ngokusingqongileyo okuzinzileyo kunye nekamva elithembisayo. Oku kwandisa amathuba okuba ubenakho ukuyihlawula imali-mboleko yakho.

Kusenokuba nzima ngakumbi kwabanye benu ukuba bafumane imali-mboleko eJamani njengomntu wasemzini kuba ukufika kwethu eJamani kubangele ukuba kubekho umjikelo owathi walimaza amanqaku ethu eSCHUFA ekuqaleni. Kuthatha ixesha ukuba siphinde sime ngeenyawo, kwaye okwangoku sisenokuba sishiye iindleko ezingahlawulwanga.

Apha ngezantsi zezinye zezizathu zokuba kutheni kufuneka uboleke imali

Umntu unokukhangela imali-mboleko yobuqu ukuba ufuna imali kungekudala yokuhlawula iindleko, iindleko ezingalindelekanga okanye enye into efuna ingqalelo ekhawulezileyo. Uninzi lwamaziko emali anikezela ngeefomu ze-intanethi ezikuncedayo ukufumanisa ukuba uvunyiwe ngemizuzu. Ngokuxhomekeke kumbolekisi wakho, unokufumana imali ngosuku olunye okanye ngaphezulu kweentsuku ezininzi zeshishini.

Isixa-mali semali-mboleko sinokusetyenziselwa ukuhlanganisa amatyala, ngakumbi amatyala ekhadi lokuthenga ngetyala. Kwakhona sesinye sezona zizathu zixhaphakileyo zokuthatha imali-mboleko yobuqu. Imali-mboleko yobuqu eJamani inenzala ephantsi kunamakhadi okuthenga ngetyala, ngakumbi ukuba unetyala elihle. Ezona mali mboleko zobuqu eJamani zinenzala ephantsi ukuya kutsho kwi-2,5%, ephantsi kakhulu kuneepesenti eziphindwe kabini ezibizwa ngamakhadi okuthenga ngetyala. Unokufumana imali-mboleko yakho, uhlawule ibhalansi yekhadi lakho letyala, kwaye wenze intlawulo yenyanga enye kwiziko lakho elitsha lokuboleka.

Akunakufuneka uhlawule nayiphi na imirhumo ebalulekileyo ukuba uhamba kufuphi nalapho uhlala khona ngoku. Nangona kunjalo, ukuba uhamba ngaphandle kwedolophu, unokufuna imali eyongezelelweyo yokuhlawula iindleko zokuhamba. Ukuhamba umgama omde kuthetha ukuhlawulela izinto zokupakisha, ukuqesha abahambisi, kunye nokuhambisa iimpahla zakho kwindawo entsha.

Imali-mboleko yabucala eJamani inokusetyenziselwa ukunceda ekufumaneni ikhaya elitsha. Ukuba ufumanisa indawo yokuhlala, umzekelo, unokuhlawula inyanga yokuqala, inyanga yokugqibela kunye nediphozithi. Unokufuna kwakhona imali yokubonelela ngendlu yakho entsha.

Zizo zonke izizathu zokuba kutheni imali mboleko eJamani inokuba lukhetho olulungileyo kuwe, ukuba unomdla kwimali mboleko eAustria ungandwendwela ATCredit , kwaye ukuba unomdla kwimali-mboleko kwamanye amazwe aseYurophu, ungandwendwela indawooffance.com

iimeko ngetyala eJamani

Iimeko zetyala eJamani

Zininzi izizathu zokuthatha imali-mboleko eJamani. Mhlawumbi kufuneka uthenge indlu, mhlawumbi imoto okanye ufuna imadlana ukuze uqalise imbono yeshishini lakho. Konke kuvakala kulungile, kodwa ngenxa yoko kufuneka wazi izinto ezimbalwa malunga nemali-mboleko.

yintoni schufa ngesiJamani

Yintoni uSchufa?

Schufa okanye inkampani yophando ngetyala ivavanya ukufaneleka kwetyalaImalunga nokufaneleka kwamatyala kwabathengi ukuze bazikhusele kwiintsilelo zetyala. Ime SCHUFA ithathwe kwibinzana elithi "Schutzgemeinschaft für Absatzfinanzierung" (umbutho okhuselayo wemali yokuthengisa), owasekwa ngo-1927.

amakhadi okuthenga ngetyala eJamani

Ikhadi letyala okanye elihlawulelwayo?

Kukho iintlobo ezininzi zamakhadi kwimarike yaseJamani. Siza kukhankanya ezinye zazo. Ikhadi letyala elijikelezayo likhadi elinomlinganiselo ovunyiweyo wenkcitho yomntu omele ikhredithi ejikelezayo, okanye "eyazihlaziya". Umxhasi, ngokuhambelana neminqweno yakhe, uthatha isigqibo malunga nesixa semali-mboleko esiza kusetyenziswa, kwindlela kunye nesantya sokubuyisela imali mboleko.

p2p ngetyala eJamani

P2P mboleko eJamani

Ukuboleka koontanga-kuontanga yindlela yokuthelekisa ababoleki kunye nababolekisi ngamaqonga e-intanethi. Ababoleki banokufikelela kwinkxaso-mali ngokukhawuleza kwaye badla ngenzala ephantsi kuneyo babonelelwa ziibhanki zabo zasekhaya, oko kuyenza ibe yindlela enomtsalane yokuboleka imali kwiibhanki.