Yonke into ekufuneka uyazi malunga mboleko eJamani

Iimeko zetyala eJamani

Yintoni iSCHUFA?…

Yeyiphi imiqathango yemali mboleko eJamani?

Iimeko ezintathu eziphambili

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. Iimeko zemboleko eJamani yinto ebaluleke kakhulu ekufuneka uyazi kakuhle ngaphambi kokufaka isicelo semali mboleko eJamani. Kukho iimeko ezintathu zemboleko ekufuneka zihlangatyezwe ukuze ufumane imali-mboleko eJamani:

  1. Kufuneka ube neminyaka eyi-18 ubuncinci;
  2. Kufuneka ube nedilesi eJamani (ibalulekile ukujonga ityala);
  3. Kufuneka kubekho umvuzo oqhelekileyo (ibalulekile kwintlawulo yenzala kunye nokuhlawula imali-mboleko).  

Ukongeza kule miqathango, kufuneka kwakhona ube nako ukubonisa ubungqina obuzinzile noboneleyo bengeniso (iiphetshana ezi-2-3), kwaye ube nekhredithi entle (SCHUFFA). Konke oku kohluka kwiibhanki ngebhanki, kuxhomekeke kwibhanki okanye umbutho othatha kuwo imali-mboleko.

 

Kufuneka ufumane olona nikezelo lungcono

Jonga izibonelelo

Abantu bahlala bengathathi ithuba loku, kodwa imali-mboleko eJamani yimveliso efana nayo nayiphi na enye "ungathenga ngeenxa zonke"! Akukho mfuneko yokuba unamathele kwibhanki yakho. Kuyacetyiswa ukuba ujonge iiwebhusayithi zokuthelekisa ezinokukunika umbono okhawulezayo wento enokwenzeka kwimeko yakho yangoku. 

Kukho iiwebhusayithi ezininzi. Ndincoma wonke umntu ukuba ajonge ukuba asebenzise ukhuphiswano ukuze azuze.
Uluhlu olubanzi lokukhetha kwimfuno yakho ethile. 
Okuninzi nokuninzi amaxabiso akhuphisanayo kunye nokuguquguquka kwizavenge. Amanqaku eSCHUFA aseyinto ebalulekileyo ekufumaneni imali-mboleko. Lilonke, jonga kulo lonke unikezelo ngaphambi kokuba uboleke imali.

I-inshurensi yetyala eJamani

Ndizithathe?

Xa uboleka imali, bahlala bekunika i-inshurensi eyahlukeneyo yetyala. Mhlawumbi uye wazibuza ukuba ufuna ukongeza i-inshurensi yekhredithi. Uninzi lwabantu luyala okanye lwamkele olu hlobo lwe-inshurensi ngokuzenzekelayo ngaphandle kokwazi ukuba luhlobo olufanelekileyo lwe-inshurensi kwiimfuno zabo.Njengayo yonke i-inshurensi, ukumiselwa kwemfuno kuyahluka ukusuka kumntu ukuya kumntu ngenxa yeendlela ezahlukeneyo zokuphila kunye nezibophelelo.

I-inshurensi yetyala inokuba luncedo kwabanye, kodwa ngamanye amaxesha indleko nje engeyomfuneko kwabanye ngokuxhomekeke kwimeko yomntu. Ukwazi ukuba yintoni i-inshurensi yekhredithi kunokukunceda wenze isigqibo esinolwazi. I-inshurensi yetyala kwiibhanki ezininzi eJamani ayichaphazeli isigqibo sokufumana imali-mboleko. Ke ngoko, ukuba uthatha i-inshurensi ngesi sizathu, yazi ukuba ayizukukunceda. Cinga ngononophelo malunga ne-inshurensi kuba njengoko ilungile, ngamanye amaxesha yinkcitho engeyomfuneko enokuthi ngamanye amaxesha ikubiza ukuya kuma-euro angama-2000 ukongeza kwimali-mboleko yakho.

Yintoni i-schufa?

Uthetha ukuthini uSchufa eJamani?

Schufa okanye inkampani yophando ngetyala ivavanya ukufaneleka kwetyala.

Imalunga nokufaneleka kwamatyala kwabathengi ukuze bazikhusele kwiintsilelo zetyala. Ime SCHUFA ithathwe kwibinzana elithi "Schutzgemeinschaft für Absatzfinanzierung" (umbutho okhuselayo wemali yokuthengisa), owasekwa ngo-1927. Ngokufanelekileyo, i-SCHUFA ngokuyintloko iqokelela idatha ngeemvumelwano eziyimfuneko ekuqhutyweni kweentlawulo.

Ngokuxhomekeke kuvavanyo lweSCHUFA malunga nokufaneleka kwakho kwityala, oku kunokugqiba, umzekelo, ukuba ibhanki iya kuvula i-akhawunti yangoku ngekhadi letyala okanye ingakanani inzala omele ukuyihlawulela le mboleko, nokuba ibhanki iya kukunika imali mboleko kwaphela. Okukhona uphezulu umngcipheko webhanki (ngokuya usiba mandundu ingxelo yakho ye-schufa), kokukhona esezantsi amathuba akho okufumana imali-mboleko.

Yonke intlawulo oyenzayo, yonke into engenakwenzeka ukuba utsalwe kwiakhawunti yakho, iseSchufa. Lumka ke xa kufikwa kulawulo lwemali yakho. Zama ukuqiniseka ukuba uhlala unemali kwiakhawunti yakho xa ufuna ukutsala imali kwiakhawunti yakho ngezinto eziluncedo kunye nezinye izinto. Konke oku "konakalisa" ukufaneleka kwakho kwi-creditworthiness kwaye ngenxa yoko, akunakwenzeka ukufumana imali-mboleko okanye ukufumana imali mboleko kunye nenzala ephezulu kakhulu.

Ukuba ufuna ukubona ingxelo yakho ye-SCHUFA, ungayiodola kanye ngonyaka simahla. Ixesha ngalinye elilandelayo lihlawulwe. Ukhuphela ifom kwi-Intanethi, uyigcwalise kwaye uyithumele.

Ungayikhuphela Apha.

Imali-mboleko eJamani

Imali-mboleko eJamani INDLELA YAKHO EYA KUMBOLEKISI OYONAYO Inyani yokuba imali-mboleko ayiseyonto inqabileyo eJamani. Ihamba ngaphandle kokutsho ngoku. Kodwa ngokwenene abantu baboleka ntoni? Ikwayinyani ukuba iimoto zihlala zixhaswa ngemali. Ukuthenga imoto kuse...

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.

Imali mboleko eJamani

Nokuba umtsha eJamani okanye ujonge indlela yokuxhasa ngemali iiprojekthi zakho, esi sikhokelo siya kukunika lonke ulwazi oludingayo ukuze wenze isigqibo esinolwazi. Ukuqonda iinketho zekhredithi ngundoqo ekulawuleni ngempumelelo imali kunye nokufezekisa iinjongo zemali. Inqaku lethu malisebenze njengesiseko sokujonga ilizwe lemali mboleko yemali eJamani.

Imali-mboleko ye-Intanethi

Imali mboleko ye-intanethi eJamani okanye imali mboleko kwi-intanethi eJamani yimali mboleko eqhelekileyo kunye nomahluko omnye. Umahluko kukuba xa uboleka imali kwi-intanethi, 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.

Iintlobo zamakhadi eJamani

Ikhadi letyala okanye elihlawulelwayo?

Kukho iintlobo ezininzi zamakhadi kwimarike yaseJamani. Siza kukhankanya ezinye zazo.

Ikhadi letyala elijikelezayo

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. Ukuba umxhasi akafuni ukuhlawula iindleko kanye, iindleko ezingekahlawulwa ziba yinxalenye yemali-mboleko evunyiweyo apho umxhasi ahlawula inzala.

Ibhanki njengomniki wekhadi imisela ipesenti encinci yekhredithi esetyenzisiweyo ekufuneka ihlawulwe ngenyanga, umzekelo i-5 okanye i-10 ekhulwini yekhredithi esetyenzisiweyo. Ikhadi letyala, njengekhadi lebhanki, lingasetyenziselwa ukutsalwa kwemali kwii-ATM kunye neentlawulo kwinethiwekhi yokuthenga kunye nenkonzo.

Umzekelo: Mastercard Gold

Amakhadi ebhanki

Amakhadi edebhithi ngamakhadi akhutshwa ziibhanki ngeeakhawunti ezahlukeneyo zedipozithi. Basebenzela ukulahla imali kwiakhawunti ababhekisa kuyo. Kuphela ezo mali zikwi-akhawunti zinokusetyenziswa, umzekelo kumvuzo wakho wenyanga. Oku kuthetha ukuba la ngamakhadi angengowokuthenga ngetyala. Iintengiselwano ezenziwe ngolu hlobo lwekhadi yimali kunye neentengiselwano zokuthenga. Nangona amakhadi edebhithi ngokuqhelekileyo engabotshelelwanga kwixabiso lenzala, axhomekeke ekuhlawulweni kwemirhumo ethile. Kwiimeko ezininzi eJamani, ufumana eli khadi xa uvula i-akhawunti yangoku kwaye ubukhulu becala simahla.

Amakhadi ahlawulwa kwangaphambili

Amakhadi ahlawulwa kwangaphambili ngamakhadi entlawulo adla ngokungadityaniswa netyala okanye i-akhawunti yedebhithi. Njengomthetho, lawa ngamakhadi angaziwa (bavota kumphathi), kodwa ngakolunye uhlangothi, banokuthi babe ngumntu ngokumalunga nomntu. Njengoko igama labo libonisa, ngamakhadi e-prepaid, o.k.t. amakhadi anokuthi afakwe ngaphambili kwisixa esithile (umzekelo, amakhadi efowuni), okanye imali ethile ihlawulwe kwikhadi (i-top-up), ethi ke isetyenziswe ngaphandle kwemali (umz. amakhadi okutya kwabafundi).

Umzekelo: Viabuy

Ngakumbi ngamakhadi etyala eJamani Apha.

P2p mboleko

Hayi okanye ewe?

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. Iimali-mboleko ezikhutshiweyo zihlala zibandakanya ababolekisi-mali abaninzi abohlukeneyo ukusukela kubantu ngabanye ukuya kubabolekisi bamaziko.

Umntu ngamnye kunye nababolekisi abaqeqeshiweyo bayaxhamla ekukwazini ukuboleka imali kuluhlu lwenzala esekelwe kumanqaku ekhredithi yomnini anikezelwe liqonga. Ngenxa yokuba ababolekisi ngokuqhelekileyo baxhasa kuphela inxalenye yemali mboleko kwaye basasaze imali abayibolekayo kubathengi abaninzi, ababolekisi banokufumana imbuyekezo engaguqukiyo, enomtsalane ngelixa besasaza umngcipheko kubaboleki abaninzi.

I-P2P yokuboleka imali ibone ukukhula okukhawulezayo njengoko abantu abafuna ikhredithi bekhangela ezinye iindlela zebhanki.
Ngale ndlela, kulula ukufumana imali-mboleko kwaye akufuneki ujonge kwi-Schufa, kodwa ukuba awuyijongi i-Schufa, inzala kwimali mboleko evunyiweyo ihlala iphezulu.

by | Ngo-Apr 23, 2023

Amanqaku anxulumeneyo

I-SCHUFA eJamani

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

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.

Imali mboleko eJamani

Imali mboleko eJamani

Nokuba umtsha eJamani okanye ujonge indlela yokuxhasa ngemali iiprojekthi zakho, esi sikhokelo siya kukunika lonke ulwazi oludingayo ukuze wenze isigqibo esinolwazi. Ukuqonda iinketho zekhredithi ngundoqo ekulawuleni ngempumelelo imali kunye nokufezekisa iinjongo zemali. Inqaku lethu malisebenze njengesiseko sokujonga ilizwe lemali mboleko yemali eJamani.