Imali-mboleko eJamani

INDLELA YAKHO EYA KWIKREDIT EYIYO

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.

Ezinye zeenketho zakho

Amaqonga okuthelekisa amatyala:

Amaqonga okuthelekisa amatyala eJamani zizixhobo ze-intanethi ezivumela abasebenzisi ukuba bathelekise ngokukhawuleza nangokulula izibonelelo ezahlukeneyo zemali-mboleko ezivela kumaziko ahlukeneyo emali. Ngokufaka iimfuno kunye neemfuno zabo, abasebenzisi bafumana uluhlu olulungelelanisiweyo lwemali-mboleko kunye nolwazi olufanelekileyo malunga namazinga enzala, imigaqo yokubuyisela kunye nemirhumo.

Kucetyiswa ukuba usebenzise amaqonga anjalo kuba:

  1. Yonga ixesha: Ukuthelekisa iimali-mboleko ngamaqonga kuphelisa imfuno yophando lomntu ngamnye kwiziko lezemali ngalinye, ngaloo ndlela kukhawulezisa inkqubo yokufumana eyona mali mboleko.
  2. Iqinisekisa ukungafihli: Iiplatifti zibonelela ngokucacileyo izibonelelo ezahlukeneyo, ezivumela abasebenzisi ukuba benze isigqibo esinolwazi ngaphandle kweentlawulo ezifihliweyo okanye iimeko.
  3. Inceda ukugcina imali: Ngokuthelekisa iimali-mboleko kwindawo enye, abasebenzisi banokufumana awona mazinga afanelekileyo enzala kunye neemeko, ezinokubangela ukonga okubalulekileyo ekuhambeni kwexesha.

Netkredit24

Kwi-Netkredit24 unokufumana imali-mboleko efanelekileyo phakathi kwe-1.000 kunye ne-250.000 ye-euro. Okufuneka ukwenze kukugcwalisa ifomu emfutshane kwiwebhusayithi kunye neenkcukacha zakho zoqhagamshelwano, isixa-mali semali-mboleko oyifunayo kunye nexesha lokuhlawula.

Izinto eziluncedo:

  • Zonke iintlobo zeemali-mboleko
  • Ihlala ibonelela ngeyona nzala ilungileyo
  • Imali-mboleko efanelekileyo yokuthengwa kwendawo yokuhlala
  • Iimali-mboleko ukusuka kwi-1000 ukuya kwi-250000 ye-euro
  • Ixesha lokuhlawula ukusuka kwi-1 ukuya kwi-10 iminyaka
  • Iimali-mboleko zezavenge ngaphandle kwe-Schufa nazo zinokwenzeka
  • Uhlala uthatha isigqibo se-100% ngokwakho

 

Ngaphandle kwazo naziphi na izibophelelo!
Awunakuze wamkele isithembiso, ke ukuba isithembiso asanelisi, vele usikhabe kwaye asizokuxabisa nantoni na.

myloan24

Kwi-myloan24 unokufumana imali-mboleko efanelekileyo phakathi kwe-1.000 kunye ne-100.000 yee-euro. Okufuneka ukwenze kukugcwalisa ifomu emfutshane kwiwebhusayithi kunye neenkcukacha zakho zoqhagamshelwano, isixa-mali semali-mboleko oyifunayo kunye nexesha lokuhlawula.

Izinto eziluncedo:

  • Uluhlu lwexabiso: Iimali-mboleko ukusuka kwizixa ezincinci ukuya kwezinkulu.
  • Iimeko eziguquguqukayo: Ixesha lokuhlawula elihlengahlengisiweyo.
  • Ukuthelekisa: Fumana ngokukhawuleza eyona ndlela ilungileyo.
  • Ukuqhubela phambili ngokukhawuleza: Imvume yangoku.
  • Mahala: Akukho ntlawulo yongezelelweyo.
  • Inkxaso: Uncedo lobuchwephesha luyafumaneka.

Iibhanki zokuthatha imali-mboleko eJamani:

Iibhanki zaseJamani ngamaziko emali abonelela ngeentlobo ezahlukeneyo zemboleko kwiimfuno ezahlukeneyo, njengezindlu, ishishini, imali okanye imali mboleko yemfundo. Kuyacetyiswa ukuba kusetyenziswe iibhanki ukuthatha imali-mboleko kuba:

  1. Ukuthembeka: Iibhanki zilawulwa yimibutho karhulumente, eqinisekisa uzinzo kunye nokuthembeka kweenkonzo zekhredithi.
  2. Ukungafihli: Imigaqo yemali-mboleko kunye nenzala ichazwe ngokucacileyo, evumela abasebenzisi ukuba benze isigqibo esinolwazi.
  3. Ukuziqhelanisa: Iibhanki zibonelela ngeendlela ezahlukeneyo kunye nemiqathango yokuhlawula ukuhlangabezana neemfuno zomntu ngamnye kunye nobuchule bezemali babathengi.
  4. Iinkonzo ezongezelelweyo: Ukongeza kwiimali-mboleko, iibhanki zibonelela ngoluhlu olubanzi lweenkonzo zezimali ezifana ne-akhawunti yangoku kunye neyokugcina, amakhadi ekhredithi kunye neengcebiso zotyalo-mali.

Ngamava angaphaya kwamashumi amathandathu eminyaka, iBhanki ye-SWK igqame njengelinye lawona maziko ahlonelwayo ezimali kwi-intanethi. Banikezela ngeemali-mboleko ezifanelekileyo kunye neediphozithi zexesha ezineemeko ezilunge kakhulu. 

Izinto eziluncedo:

  • Izixa: Iikhredithi eziqhelekileyo.
  • Iimeko: Iintlawulo eziguquguqukayo.
  • Umdla: Amaxabiso amkelekileyo.
  • Isantya: Ukuqhuba kakuhle.
  • Ukuthembeka: 60+ iminyaka yamava.
  • Izinto ezintsha: Ukungena kule mihla.

IBhanki yaseSkotlani

KwiBhanki yaseSkotlani unokufumana imali mboleko efanelekileyo phakathi kwe-3.000 kunye ne-50.000 ye-euro. Okufuneka ukwenze kukugcwalisa ifomu emfutshane kwiwebhusayithi kunye neenkcukacha zakho zoqhagamshelwano, isixa-mali semali-mboleko oyifunayo kunye nexesha lokuhlawula.

Izinto eziluncedo:

  • Awona mazinga aphezulu enzala: Inzala yonyaka esebenzayo * ukusuka kwi-1,48% - 6,47%
  • Iintlawulo ezingaqhelekanga: zinokwenzeka nangaliphi na ixesha
  • Ukusetyenziswa kwasimahla: sebenzisa ikhredithi kuyo nantoni na oyifunayo
  • Akukho ndleko zifihliweyo: kwaye akukho inshurensi yetyala elishiyekileyo
  • Intlawulo ekhawulezayo: kwiiyure ezingama-24-48 emva kokufumana onke amaxwebhu

Iimali-mboleko ngamakhadi okuthenga ngetyala

Iimali-mboleko zekhadi letyala eJamani zibonelela ngokuguquguquka kwiindleko zemali ngaphakathi komda ovunyiweyo. Nangona benenzala ephezulu kunezinye iimali-mboleko, bavumela intlawulo ngezavenge ezincinci kwaye babonelele ngezibonelelo ezongezelelekileyo ezifana neenkqubo zokuthembeka okanye amaxesha angenanzala.

TF Bank Mastercard Gold Credit Card

Mastercard

  • Eyona mboleko ilula eJamani
  • €0 umrhumo wonyaka wekhadi letyala le-Mastercard Gold
  • Iiveki ezi-7 ngaphandle kwenzala
  • Ngaphandle kweentlawulo xa uthatha ikhadi
  • €0 umrhumo wokukhupha - kwihlabathi jikelele
  • Ayilokhadi elihlawulelwayo
  • Mahala
  • Zibonele.

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. Funda ngakumbi malunga nemali mboleko yeshishini Apha.

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. Funda ngakumbi ngeSCHUFA eJamani Apha.

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 areainfinance.com

Amanqaku anxulumeneyo

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.

Kuhle ukwazi

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.