Indlela yokuboleka imali eJamani

Wamkelekile kwisikhokelo sethu esibanzi sokuthatha imali-mboleko eJamani! Nokuba zithini na iimfuno zakho zemali, kule post yebhlog siza kuphonononga iinketho ezahlukeneyo ezikhoyo kuwe.

Ukusuka kwimimiselo yemali-mboleko ukuya kwiindidi zeemali-mboleko onokuthi uzithathe, siza kuhlawulela yonke into ukukunceda wenze isigqibo ngeyona ndlela ilungileyo kuwe.

Funda ukukunceda ufumane imali mboleko efanelekileyo yokukunceda ufezekise iinjongo zakho kwaye ukhusele ikamva lakho lezemali.

Ezinye zeenketho zakho

Smava

Smava yindawo yemali-mboleko yaseJamani ethandwayo ebonelela abasebenzisi ngokufikelela ngokulula kuthelekiso lwemali mboleko kunye nokukhetha. Ezinye zezona zibonelelo ziphambili zeSmava ziquka:

  • Uluhlu olubanzi lweemali-mboleko: I-Smava inikezela ngeemali-mboleko ukusuka I-1.000 ukuya kwi-120.000 ye-euro, okuthetha ukuba unokufumana imali-mboleko ehambelana neemfuno zakho, kungakhathaliseki ukuba yimalini oyifunayo.
  • Ukuthelekiswa kwamazinga enzala: I-Smava ivumela abasebenzisi ukuba baqhathanise ngokukhawuleza kwaye bathelekise ngokulula inzala kwiibhanki ezahlukeneyo kunye namaziko emali, okukunceda ukuba ufumane imali mboleko efanelekileyo kakhulu.
  • Unikezelo olulolwakho: Ngokusekwe kulwazi lwakho kunye nokufaneleka kwakho ngetyala, uSmava uza kukunika izinto ozinikezayo ezivela kubaboneleli-mali abohlukeneyo, okonga ixesha lakho kuphando nokukhetha eyona ndlela ilungileyo.
  • Inkonzo yasimahla: Ukusebenzisa i-Smava kusimahla kubasebenzisi, okuthetha ukuba ungaphanda kwaye uthelekise imali-mboleko ngaphandle kweendleko ezongezelelweyo.
  • Ukhuseleko kunye nokungafihli: I-Smava ibonelela ngeqonga elikhuselekileyo lokungenisa izicelo zemboleko kwaye uzibophelele ekuhleni malunga nemigaqo-mboleko, amazinga enzala kunye nemirhumo, kukunceda wenze isigqibo esinolwazi.

Ukusebenzisa i-Smava, abasebenzisi banokujonga ngokulula kwaye bathelekise iimali-mboleko ezahlukeneyo kwaye bafumane eyona ifanele iimfuno zabo zemali kunye nemeko.

I-Auxmoney

I-Auxmoney yenye iphothali yemali-mboleko edumileyo yaseJamani edibanisa ababoleki nabatyali-zimali beziko. Ezinye zeenzuzo eziphambili ze-Auxmoney ziquka:

  • Uluhlu lwetyala: I-Auxmoney inikezela ngeemali-mboleko ukusuka kwi-1.000 ukuya kwi-50.000 ye-euro, ibonelela ngeendlela ezahlukeneyo zokukhetha kubasebenzisi abaneemfuno ezahlukeneyo zezimali.
  • Enye indlela kwiibhanki: Njengeqonga loontanga, i-Auxmoney ibonelela ngenye indlela kwiibhanki zemveli, ezinokuthi zilungele abasebenzisi abangafanelanga ukubolekwa kwebhanki okanye bafuna iindlela eziguquguqukayo.
  • Inkqubo ekhawulezayo nelula: I-Auxmoney yenza ukuba kukhawuleze kwaye kube lula ukufaka isicelo semali mboleko ngeqonga layo le-intanethi. Inkqubo idla ngokukhawuleza kuneebhanki zemveli, oku kuthetha ukuba unokufumana imali oyifunayo ngokukhawuleza.
  • Ukungafihli: I-Auxmoney izibophelele ekuhleni malunga nemigaqo-mboleko, amazinga enzala kunye neentlawulo, ezinceda abasebenzisi ukuba benze isigqibo benolwazi malunga nemali-mboleko eyenelisa iimfuno zabo.
  • Ukufikelela kwiimali-mboleko kuluhlu olubanzi lwabasebenzisi: I-Auxmoney ibonelela ngokufikelela kwiimali-mboleko kuluhlu olubanzi lwabasebenzisi, kubandakanywa abaziqeshileyo, abazimeleyo kunye nabo banekhredithi engaphantsi kune-egqibeleleyo.

Ngokusebenzisa i-Auxmoney, abasebenzisi banokufumana imali-mboleko efanele iimfuno zabo zemali kunye nemeko, ngokugxininisa ekuguquguqukeni nasekukhanyeni. Ungafumana ulwazi oluthe vetshe kule link ilandelayo: I-Auxmoney

Netityala24

Netkredit24 lisango lemali-mboleko elaziwayo elisebenza eJamani kwaye linika abasebenzisi ithuba lokuthelekisa kunye nokukhetha eyona ndlela ingcono yemali-mboleko. Izinto ezilungileyo zeNetkredit24 ziquka:

  • Uluhlu lwetyala: I-Netkredit24 inikezela ngeemali-mboleko ukusuka kwi-500 ukuya kwi-120.000 ye-euro, ikuvumela ukuba ufumane imali-mboleko ehambelana neemfuno zakho zemali.
  • Uthelekiso olulula: I-Netkredit24 ikuvumela ukuba uthelekise ngokukhawuleza nangokulula imali-mboleko evela kubaboneleli abahlukeneyo, kukunceda ufumane eyona mali mboleko ilungileyo kunye nelona zinga liphantsi lenzala kunye neemeko ezilungileyo.
  • Inkonzo yasimahla: Ukusebenzisa i-Netkredit24 kusimahla kubasebenzisi, okuthetha ukuba ungaphanda kwaye uthelekise imali-mboleko ngaphandle kweendleko ezongezelelweyo.
  • Ukhuseleko kunye nokhuseleko lwedatha: I-Netkredit24 ibonelela ngeqonga elikhuselekileyo nelikhuselekileyo lokukhangela kunye nokufaka isicelo semali mboleko, ukukhusela idatha yakho yobuqu ngokuhambelana nemithetho yokhuseleko lwedatha yaseJamani kunye neYurophu.
  • Iimpendulo ezikhawulezayo: I-Netkredit24 yenza kube lula ukufumana ngokukhawuleza ulwazi malunga neemali-mboleko ezinikezelwayo, kukuvumela ukuba wenze isigqibo esikhawulezayo kwaye ufumane imali efunekayo ngexesha elifutshane.

Ngokusebenzisa i-portal ye-Netkredit24, unokujonga ngokulula kwaye uthelekise iimali-mboleko ezahlukeneyo kwaye ufumane eyona ifanele iimfuno zakho zemali kunye nemeko. Ukuze ufumane inkcazelo engakumbi, tyelela Netkredit24.

Indlela yokuboleka imali eJamani

Xa uhlala eJamani okanye ucinga ngokufuduka, unokufuna imali-mboleko. Ngethamsanqa, iJamani ibonelela ngeendlela ezininzi zokufumana inkxaso-mali. Kule post yebhlog, siza kuphonononga zonke iindlela zokukunceda wenze isigqibo ngeyona ndlela ilungileyo kuwe. Ukusuka imiqathango mboleko do uhlobo lwemboleko onokuthi uphakamise, siya kukugubungela konke.

Iimeko zetyala eJamani

Iibhanki zaseJamani zibonelela ngeentlobo ezahlukeneyo zeemali-mboleko ezineemeko ezahlukeneyo, ezifana nenzala, ixesha lokubuyisela, njl. Kubalulekile ukuqonda le miqathango ukuze ufumane eyona ndlela ilungileyo kwiimfuno zakho. Nantsi imiba ephambili ekufuneka iqwalaselwe:

  1. Umgangatho wenzala: Amazinga enzala anokwahluka ngokuxhomekeke kuhlobo lwemali-mboleko, ukufaneleka kwakho ngetyala kunye nebhanki. Thelekisa unikezelo olusuka kwiibhanki ezohlukeneyo ukuze ufumane elona zinga lisezantsi lenzala.
  2. Imbuyekezo: Ubude bexesha ekufuneka uhlawule ngayo imali-mboleko bunokwahluka. Amaxesha okuhlawula anokuba lixesha elifutshane (iinyanga eziliqela) okanye ixesha elide (iminyaka emininzi). Ixesha elide lokuhlawula lisenokuthoba iintlawulo zakho zenyanga, kodwa uya kuphelela ekuhlawuleni inzala eninzi.
  3. Iintlawulo: Yazi imirhumo eyongezelelweyo onokuthi uyihlawule xa uthatha imali-mboleko, njengemirhumo yokulungisa okanye ukuyibuyisela kwangoko.

Ziziphi izinto ezinokwenzeka?

Ungayirhoxisa imali-mboleko online i ngqo ebhankini. Iimali-mboleko ze-Intanethi zibonelela ngokukhawuleza kwaye zilula, ngelixa ukuboleka imali ebhankini kunokunika ithuba elingcono lokubuza imibuzo kunye nokufumana iingcebiso. Gqiba ukuba loluphi ukhetho olufanelekileyo kwiimfuno zakho.

Iindidi zeemali-mboleko

Iibhanki zaseJamani zibonelela ngeentlobo ezahlukeneyo zeemali-mboleko kwiimfuno ezahlukeneyo. Ezinye zezona mboleko zidumileyo ziquka:

  1. Imali mboleko yemoto
  2. Imali mboleko yezindlu
  3. Imali mboleko yeshishini
  4. Imali-mboleko yobuqu
  5. Imali-mboleko ekhawulezayo
  6. Iimali-mboleko zabasemzini

Kutheni uboleka imali?

Izizathu zokuthatha imali mboleko eJamani zinokwahluka ngokuxhomekeke kwiimfuno zakho. Ezinye zezizathu eziqhelekileyo ziquka:

  1. Ukuthenga imoto
  2. Ukuthenga umhlaba
  3. Ukuqala okanye ukwandisa ishishini
  4. Ukuxhaswa ngemali kwemfundo
  5. Ukudityaniswa kweTyala
  6. Iindleko ezingalindelekanga okanye iimeko zikaxakeka

Yintoni ekufuneka uyithathele ingqalelo xa uboleka imali eJamani?

Xa ukhangela imali-mboleko eJamani, kubalulekile ukunikela ingqalelo kwizinto ezininzi eziphambili zokuqinisekisa ukuba ukhetha eyona ndlela ilungileyo kwiimfuno zakho:

  1. Thelekisa unikezelo: Phanda iibhanki ezahlukeneyo kwaye uthelekise imiqathango yabo mboleko. Oku kuquka amazinga enzala, imigaqo yokuhlawula kunye nemirhumo. Iibhanki eJamani banikezela ngeenketho ezahlukeneyo, ke qiniseka ukuba ufumana eyona nto ilungileyo.
  2. Vavanya ukufaneleka kwakho ngetyala: Phambi kokuba uboleke imali, kufuneka uqiniseke ukuba uya kukwazi ukulihlawula rhoqo ityala. Qwalasela ingeniso yakho yangoku, iindleko kunye namatyala ukuze ubone ukuba yimalini na onokufikelela kuyo.
  3. Qwalasela i-inshurensi eyongezelelekileyo: Kwezinye iimeko, unokufuna ukukhusela imali-mboleko yakho. Oku kunokubandakanya i-inshurensi yobomi, i-inshurensi yepropathi okanye i-inshurensi yemoto. Phanda ngemigaqo ye-inshurensi kunye neendleko zokuqinisekisa ukuba ukhuselwe ngokwaneleyo.
  4. Funda umbhalo omhle: Funda yonke imigaqo-mboleko kunye nemiqathango ngononophelo ukuze uqonde izibophelelo kunye namalungelo akho. Ukuba kukho into engacacanga, qhagamshelana nebhanki yakho okanye umcebisi wezemali ukuze ufumane ingcaciso.
ukuthatha imali-mboleko eJamani

Indlela yokukhetha uhlobo olufanelekileyo lwemali mboleko

Ukuze ukhethe imali mboleko efanelekileyo kwiimfuno zakho, kubalulekile ukuqonda iintlobo ezahlukeneyo zeemali mboleko ezikhoyo kuwe. Iintlobo zemboleko ezidumileyo eJamani zichazwe ngezantsi:

1. Imali-mboleko yemoto

Ukuba uceba ukuthenga imoto eJamani, imali-mboleko yemoto inokuba lukhetho oluhle. Ezi mali-mboleko zibekelwe bucala, nto leyo ethetha ukuba mazisetyenziselwe kuphela ukuthenga isithuthi. Inzala kunye nemigaqo yokubuyisela inokwahluka, ngoko ke thelekisa izibonelelo ezivela kwiibhanki ezahlukeneyo ukuze ufumane eyona ndlela ilungileyo.

2. Imali mboleko yezindlu

Imali-mboleko yezindlu yimali-mboleko yexesha elide esetyenziselwa ukuthenga umhlaba, njengendlu okanye indawo yokuhlala. Inzala yemali mboleko yezindlu idla ngokuba ngaphantsi kunaleyo yezinye iindidi zeemali mboleko, kwaye imiqathango yokuhlawula inokuthatha ukuya kutsho kwiminyaka engama-30. Qaphela ukuba unokufuna ugcino lwediphozithi ukuze ukwazi ukufumana imali mboleko yendlu.

3. Imali mboleko yeshishini

Iimali-mboleko zeshishini zenzelwe ukuxhasa ngezimali iimfuno zeshishini, ezinjengokuqala okanye ukwandisa ishishini. Ezi mali-mboleko zinokuba nemimiselo eyahlukeneyo kunye namazinga enzala, ngokuxhomekeke kwimeko yeshishini lakho kunye nokufaneleka kwetyala. Kusenokufuneka unikezele ngesicwangciso soshishino okanye iingxelo zemali ukuze ufanelekele ukubolekwa imali kwishishini.

4. Imali-mboleko yomntu

Iimali-mboleko zobuqu ziimali-mboleko ezingabophelelekiyo ezinokusetyenziselwa iinjongo ezahlukeneyo, ezifana nokuxhasa ngemali, ukudibanisa amatyala okanye ukuhlawula iindleko ebezingalindelekanga. Inzala yemali-mboleko yobuqu idla ngokuba phezulu kunaleyo yemali-mboleko yendlu okanye yemoto, kodwa ingaphantsi kunemali-mboleko yosuku lokurhola. Amagama okubuyisela imali mboleko angahlala kwiinyanga ezininzi ukuya kwiminyaka emininzi.

5. Imali-mboleko ekhawulezayo

Imali-mboleko ekhawulezayo ziimali-mboleko zexeshana ezinenzala ephezulu nedla ngokusetyenziselwa ukuhlawula iindleko ezingxamisekileyo okanye ukungabikho kwemali okwexeshana. Imiqathango yokubuyisela idla ngokuba mifutshane kakhulu, kwaye amazinga enzala anokuba phezulu kakhulu kunezinye iindidi zeemali-mboleko. Khumbula ukuba imali-mboleko ekhawulezayo inokukhokelela ematyaleni ukuba awukwazi ukuyihlawula ngexesha.

6. Imali-mboleko kubantu basemzini

Iimali-mboleko zabasemzini zi imali-mboleko elungiselelwe abemi bangaphandle abahlala kunye nokusebenza eJamani. Iibhanki kunye namaziko emali anokufuna amaxwebhu ongezelelweyo kunye neemeko ezikhethekileyo zokuboleka imali kubantu basemzini. Oku kunokubandakanya ubungqina bendawo yokuhlala, imvume yokusebenza kunye nobungqina bengeniso. Inzala kunye nemigaqo yembuyekezo inokwahluka, ke yenza uphando lwakho kwaye uthelekise unikezelo lokufumana eyona ndlela ilungileyo kwiimfuno zakho.

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.

Kuhle ukwazi

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.

Kwi-Intanethi okanye ngokuthe ngqo ebhankini?

Xa uthatha isigqibo malunga nendlela yokuboleka imali eJamani, unokhetho ezimbini eziphambili: kwi-intanethi okanye ngokuthe ngqo ebhankini. Nazi ezinye iingqwalasela ezinokukunceda wenze isigqibo sokuba loluphi ukhetho olukulungeleyo:

Imali-mboleko ye-Intanethi

Imali-mboleko ye-Intanethi yimali-mboleko oyithathayo kwi-Intanethi, ngaphandle kokutyelela isebe lebhanki. Izinto eziluncedo zokuthatha imali mboleko kwi-Intanethi ziquka:

  1. Isantya: Iimali-mboleko ze-Intanethi zihlala zisetyenzwa ngokukhawuleza kunemali-mboleko ethathwe kwisebe, okuthetha ukuba ungayifumana imali ngokukhawuleza.
  2. Intuthuzelo: Ukuthatha imali-mboleko kwi-Intanethi kuthetha ukuba ungafaka isicelo ukwikhaya lakho obutofotofo, ngaphandle kwesidingo sokuya ebhankini.
  3. Ukuthelekisa izibonelelo: Iinjini zokukhangela kwi-Intanethi kunye nezixhobo zokuthelekisa zikuvumela ukuba uqhathanise ngokukhawuleza kwaye ngokulula uthelekise izibonelelo ezivela kwiibhanki ezahlukeneyo, kukunceda ufumane eyona ndlela ilungileyo kwiimfuno zakho.

Iimali-mboleko kwisebe

Ukuthatha imali-mboleko kwisebe lebhanki kukunika unxibelelwano lobuqu namagosa ebhanki kunye nethuba lokubuza imibuzo okanye ukufuna ulwazi olongezelelweyo. Izinto eziluncedo zokuthatha imali-mboleko kwisebe ziquka:

  1. Inkonzo yomntu: Amagosa ebhanki anokukunceda ngemibuzo yakho, akunike iingcebiso kwaye akuncede ufumane eyona ndlela ilungileyo kwiimfuno zakho.
  2. Inkxaso ekuqokeleleni amaxwebhu: Amagosa ebhanki anokukunceda uqokelele amaxwebhu ayimfuneko kwaye aqinisekise ukuba zonke iinkcukacha zakho zichanekile phambi kokuba ufake isicelo sakho.
  3. Ukubakho kothethathethwano: Kwezinye iimeko, ninokuthethathethana ngemigaqo engcono okanye inzala ukuba uboleka imali kwisebe.

Uyiphucula njani ikhredithi yakho

Ukufaneleka kwakho ngetyala kumisela indlela onomtsalane ngayo kwiibhanki nakumaziko emali xa ufaka isicelo semali-mboleko. Ityala elingcono linokukhokelela kwimimiselo engcono yemali-mboleko, amazinga enzala aphantsi kunye nokuba nokwenzeka okuphezulu kokuvunywa. Nanga amanye amacebiso okuphucula ikhredithi yakho:

  1. Hlawula amatyala akho ngexesha: Ukuhlawula amatyala rhoqo nangexesha, afana nerenti, izinto eziluncedo kunye neemali-mboleko, kunempembelelo entle ekufanelekeni kwakho kwetyala.
  2. Nciphisa amatyala: Ukuba unetyala elikhulu xa uthelekisa nomvuzo wakho, oko kunokuthoba ukufaneleka kwakho ngetyala. Qwalasela ukudibanisa amatyala okanye ukunciphisa amatyala ukuphucula amanqaku akho etyala.
  3. Sukukhupha ikhredithi eninzi kakhulu ngexesha elinye: Ukuba uthatha iimali-mboleko ezininzi ngexeshana elifutshane, oko kunokubonisa ukungazinzi kwezimali kwaye kuchaphazele kakubi ukufaneleka kwakho ngetyala.
  4. Jonga ingxelo yakho yetyala: Jonga ingxelo yakho yetyala rhoqo ukuze uqiniseke ukuba ichanekile kwaye ayinazimpazamo. Ukuba ufumana iimpazamo, qhagamshelana ne-credit bureau ukuzilungisa.
  5. Gcina umsebenzi ozinzileyo kunye nengeniso: Umsebenzi ozinzileyo kunye nomvuzo wongeza ukukufanelekela ukuthenga ngetyala, njengoko kubonisa ukuba uyakwazi ukuhlangabezana nezibophelelo zakho.

Yintoni ekufuneka uyithathele ingqalelo xa uboleka imali eJamani

Xa ucinga ngokuboleka imali eJamani, kubalulekile ukunikela ingqalelo kwizinto ezininzi eziphambili ukuze wenze esona sigqibo silungileyo kwiimfuno zakho:

  1. Umgangatho wenzala: Amazinga enzala amisela ukuba yimalini oya kuyihlawula ngaphezulu kwenqununu yemboleko. Thelekisa inzala yeebhanki ezahlukeneyo ukuze ufumane eyona ndlela ilungileyo.
  2. Imiqathango yokuhlawula: Imiqathango yokubuyisela iyahluka ngokuxhomekeke kuhlobo lwemali mboleko. Jonga ukuba kuya kufuneka uhlawule ixesha elingakanani ukubuyisela imali-mboleko kunye nokuba iya kuyichaphazela njani intlawulo yakho yenyanga.
  3. Imirhumo kunye neendleko: Jonga ukuba kukho naziphi na iimali ezongezelelweyo okanye iindleko ezinxulumene nemali-mboleko, njengokusetyenzwa okanye umrhumo wokubuyisela kwangoko.
  4. Iimeko mboleko: Funda imigaqo yemali mboleko ukuze uqonde izibophelelo kunye nemida yakho. Nikela ingqalelo kwiifayini ezinokuthi zibekho okanye iifizi xa uhlawula kade okanye uvale imali-mboleko kwangethuba.
  5. Ukuba bhetyebhetye: Jonga ukuba imali-mboleko ibonelela bhetyebhetye ngokwemigaqo yembuyekezo, njengokukwazi ukutshintsha ixesha lokuhlawula okanye ukuvumela ikhefu lokuhlawula ngamaxesha athile.
  6. I-inshurensi: Kwezinye iimeko, iibhanki zisenokufuna i-inshorensi njengemeko yokwamkelwa kwemboleko-mali, ingakumbi kwizixa-mali ezikhulu okanye kwiimali-mboleko zexesha elide, njengemali-mboleko yezindlu.
indlela yokuboleka imali eJamani

Ukuqukumbela

Ukuthatha imali-mboleko eJamani kunokuba yindlela elula nesebenzayo yokuxhasa ngezimali iinjongo zakho zobomi, nokuba kukuthenga imoto, izindlu okanye ukuqala ishishini. Ukuqinisekisa olona khetho lufanelekileyo kuwe, funda iintlobo ezahlukeneyo zeemali-mboleko, thelekisa inzala kunye nemigaqo, kwaye uqwalasele inketho yebhanki ekwi-intanethi okanye ngokuthe ngqo. Kwakhona, nikela ingqalelo ekukufanelekeleni kwakho ukuba netyala kunye nemiqathango yemali-mboleko ukuze uqinisekise ukuphumelela ngemali kunye nokubuyisela imali mboleko yakho.

Ngoku ukuba uqhelene neziseko zokuthatha imali-mboleko eJamani, lixesha lokuba uphonononge ukhetho lwakho kwaye ufumane imali-mboleko ehambelana neemfuno zakho. Nqwenelela impumelelo!

Izibonelelo ezongezelelweyo:

  1. Ukunyuswa kwetyala eJamani
  2. Amakhadi okuthenga ngetyala eJamani
  3. Imali mboleko yemoto eJamani
  4. Imali mboleko yekhaya eJamani
  5. Imali mboleko yeshishini eJamani
  6. Imali-mboleko yomntu eJamani

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.