Imali mboleko yomntu kwi

Jemani

Imali-mboleko yobuqu eJamani, ngamanye amaxesha eyaziwa ngokuba yimali-mboleko engakhuselekanga, imboleko yemali, luhlobo lwemali mboleko engakhuselwanga sisibambiso. Oku kuthetha ukuba ababoleki abafunwa ukuba babonelele nayiphi na ipropati njengesibambiso semali mboleko, njengendlu okanye imoto.

Iimali-mboleko zobuqu eJamani zihlala zisetyenziselwa iindleko zobuqu ezinje ngokuphuculwa kwekhaya, ukuthenga imoto okanye ukudibanisa amatyala ekhadi letyala.

Sikulungiselele iindlela ezininzi onokukhetha kuzo

Awusoze wamkele isithembiso, kwaye ukuba eso sithembiso asanelisi, vele usikhabe. Ke gcwalisa isicelo kwaye ubone unikezelo lwamaqabane ethu.

Imali-mboleko yomntu eJamani

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
Ukuba isithembiso asikufanelanga, vele usikhabe.

Emva kokugcwalisa iphepha lemibuzo, uya kufumana uvavanyo lokuqala lokuba isicelo sakho semali-mboleko siyakwamkelwa okanye hayi.

Idatha yakho yobuqu ayizukudluliselwa kubantu besithathu ngaphandle kwemvume yakho. 

Le mvume iya kufunyanwa emva kokuba ukhethe indlela yokuboleka imali efanele wena.

ngetyala kwi-intanethi eJamani

 

 Inketho yazo zonke iintlobo zeemali-mboleko, kubandakanywa nalabo abanekhredithi embi (iingxaki ngetyala, umvuzo ophantsi wenyanga ...).
Izinto eziluncedo:
Eyona nto inokwenzeka yokufumana imali-mboleko
Xa ibhanki ithi hayi, kusekho ithuba lokuboleka imali
Isigqibo semali-mboleko kwimizuzwana nje embalwa
Imali-mboleko kubafundi, abalingwa, kunye nabasebenzi bethutyana
Iimali-mboleko ukusuka kwi-1000 ukuya kwi-50000 ye-euro
Ixesha lokuhlawula ukusuka kwiinyanga ezili-12 ukuya kwezingama-84
Unikezelo alunyanzelwanga kwaye ungalikhaba
Ukuba isithembiso asikufanelanga, vele usikhabe.
portal yokuthelekisa imali-mboleko eJamani
Ukufumana imali-mboleko yobuqu eJamani akuzange kube lula. Iimali-mboleko eJamani zinikezelwe kuwe yi-portal yokuthelekisa imali mboleko yaseJamani.
Izinto eziluncedo:
Uluhlu olubanzi lokunikezela ngetyala
Eyona mboleko ilungileyo kwisekondi
Imali-mboleko yokuqala nezenzekelayo ngoko nangoko
Ifanelekile kuwo onke amaqela abantu, kunye nayo nayiphi na injongo, njengemali mboleko yemoto
Imali-mboleko yobuqu eJamani kwabo baziqeshileyo kunye namashishini amancinci
Khetha imali-mboleko ehambelana neemfuno zakho
Ngaphandle kwazo naziphi na izibophelelo, gcwalisa isicelo kwaye ngokukhawuleza ufumanise ukuba zeziphi izinikezelo.
Ityala eJamani
Fumana imali mboleko kwi-intanethi ngamanyathelo ama-3 kuphela
indlela yokuboleka imali eJamani
Inyathelo lokuqala gcwalisa isicelo

 

Ukhetha isixa semali esikufanelayo, kunye nenani leenyanga ozifunayo ukubuyisela loo mali. Gcwalisa isicelo ngokufaka iinkcukacha zakho ezifunekayo kuwe kwisicelo.
imali-mboleko ye-intanethi phesheya

Inyathelo le-2 lokulinda amaxwebhu kunye nokusayina

 

Emva kokuba usithumele isicelo, ulindele impendulo. Kwimizuzwana engama-30, uya kufumana impendulo yokuba ufanelekile na kwimali mboleko oyikhangelayo. Ukuba impendulo ilungile, bakuthumela amaxwebhu ukuba uwasayine kwaye uwabuyisele. Kwezinye iimeko, bakuthumela nje amaxwebhu. Le nxalenye iyahluka ukusuka kwibhanki ukuya kwibhanki.
mboleko phesheya
Ukuchongwa kwenyathelo lesi-3
Eli nyathelo likwangowokugqibela. Kwenziwa ngeendlela ezimbini ngokokhetho lwakho, okubizwa ngokuba I-POSTIDENT. Enye indlela kukuya eposini, kwaye enye kukuncokola ngevidiyo. Emva koko, ubuyisela amaphepha kwaye imali ikwiakhawunti yakho phakathi kweentsuku ezimbalwa zokusebenza.
Ukuchongwa ngeendlela ezi-2
indlela yokuboleka imali eJamani
1. Incoko yevidiyo yePostident

 

Kwiwebhusayithi yemboleko oyithathayo, uya kufumana lonke ulwazi malunga noku, kodwa ingcaciso emfutshane. Kwesi sibonakaliso, udinga ipasipoti okanye ikhadi lesazisi, kunye nekhamera kunye nemakrofoni (unayo yonke into kwifowuni yakho ephathekayo okanye ilaptop). Baza kwenza umnxeba wevidiyo apho uya kubamba uxwebhu lwesazisi ecaleni kwentloko yakho ukuze umqhubi akwazi ukukuchonga. Le nkqubo ithatha imizuzu emi-2-4. Ilula kakhulu kwaye ikhawuleza ukusuka kwintuthuzelo yekhaya lakho.
imali-mboleko ye-intanethi phesheya
2. iposi ngokuya eposini

 

Inkqubo elula kakhulu kwaye ekhawulezayo. Ipasi okanye ikhadi lesazisi liyafuneka. Uya eposini ekufutshane ucele POSTIDENT. Unikezela ngecwecwe olifumeneyo kunye namaxwebhu (asuka kwimali-mboleko) obufanele ukuba uwatyikityile. Emva kokuba umqeshwa echonga usebenzisa isazisi, uthumela yonke into kunye.

Imali-mboleko yobuqu eJamani: Kuhle ukwazi

Abafake izicelo eJamani badla ngokufuna ukuba nembali yetyala elungileyo kunye nengeniso ezinzileyo ukuze bafumane imali mboleko eJamani. Izinga lenzala kwimali-mboleko yobuqu limiselwa kukufaneleka komboleki kunye nemiqathango yemali-mboleko. Abafaki-zicelo bahlala bekhetha imali abafuna ukuyiboleka kunye nexesha lokubuyisela, elinokwahluka ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka embalwa.

Iimali-mboleko zomntu ziyafumaneka eJamani ngeebhanki, iimanyano zamatyala kunye neminye imibutho yezemali. Zikwafumaneka kwi-intanethi, kubandakanywa amaqonga okuboleka koontanga kunye nakwezinye iinkampani zeenkonzo zemali. Ngaphambi kokuba usayine isivumelwano semali-mboleko, kufuneka uthelekise izibonelelo kwaye ufunde ngononophelo imiqathango yesivumelwano.

Apha uya kufumana iinkcukacha malunga neemali-mboleko ezinjalo.

 

 

Iimfuno zokufumana imali-mboleko yobuqu eJamani

 

Ukuze ufanelekele ukubolekwa imali eJamani, ababoleki bahlala behlangabezana nezi meko zilandelayo:

 

  • Ubungqina bengeniso: Ababoleki kufuneka babonelele ngobungqina bengeniso yabo, efana ne-payslips (idla ngokuba zii-payslip ezi-3) ukubonisa ukuba banakho ukuyibuyisela imali-mboleko.
  • Imbali yetyala elungileyo: Ababoleki badla ngokufunwa ukuba babe nembali yetyala elungileyo, edla ngokumiselwa ngamanqaku abo amatyala. Ababolekisi baya kujonga ingxelo yekhredithi yomboleki (SCHUFA) ukuvavanya ukufaneleka kwabo kwityala.
  • Indawo yokuhlala: ababoleki kufuneka babe ngumhlali waseJamani kwaye banike ubungqina bendawo yokuhlala, njengebhili yenkonzo okanye ikhadi le-ID.
  • Ubudala: Ababoleki kufuneka babe neminyaka eli-18 ubuncinci ukuze bathathe imali-mboleko yabo.
  • Ikhadi lokuzazisa: Ababoleki kufuneka baveze isazisi esisemthethweni, esifana nencwadana yokundwendwela okanye ikhadi lesazisi.
  • i-akhawunti yebhanki: ababoleki kufuneka babe ne-akhawunti yebhanki eJamani njengoko imali mboleko iya kufakwa ngqo kwi-akhawunti.

 

Amaziko emali awahlukeneyo okanye iibhanki zinokuba neemfuno ezahlukeneyo kunye neendlela zokubolekwa komntu eJamani. Kuhlala kungumbono olungileyo ukujonga iimfuno ezithile kunye nombolekisi owukhethileyo.

imali mboleko eJamani

Imbali yetyala kunye nemali-mboleko yobuqu eJamani

EJamani, imbali yomboleki ibalulekile xa kusenziwa isigqibo malunga nenzala kwimali-mboleko yobuqu. Ababolekisi basebenzisa imbali yokuhlawula (SCHUFA) kunye namanqaku ekhredithi ukuvavanya ukufaneleka komboleki. Amanqaku ekhredithi lixabiso lamanani elilinganisa ukuthembeka komntu.

Ababoleki abanembali eqinileyo yetyala kunye namanqaku aphezulu etyala bahlala befumana inzala esezantsi kwimali-mboleko yobuqu eJamani. Oku kungenxa yokuba zijongwa njengomngcipheko omncinci, oko kukuthi, kunokwenzeka ukuba ukubuyisela imali mboleko ngexesha.

Ababoleki abanetyala elibi kunye namanqaku asezantsi etyala, kwelinye icala, badla ngokunikwa inzala ephezulu kwimali-mboleko yobuqu. Oku kungenxa yokuba zibhalwe njengabathengi abasengozini enkulu kwaye akukho lula ukuyihlawula imali-mboleko ngexesha.

Ezinye izinto ezichaphazela izinga lenzala kwimali-mboleko yobuqu eJamani ziquka ubungakanani bemali-mboleko, ixesha lokuhlawula kunye nemeko yezoqoqosho ngokubanzi.

Into ephambili ekufuneka uyikhumbule kukuba amanqaku alungileyo etyala anokukunceda ukuba ungafumani mboleko yobuqu kuphela, kodwa kunye namakhadi okuthenga ngetyala, imali yokubambisa kunye nezinye ii-asethi zemali.

Ihlala ingumbono olungileyo ukugxila ekwakhiweni kwetyala lakho, kwaye uya kukwenza oku ngokuhlawula amatyala akho ngexesha, ukugcina ibhalansi yekhadi lakho letyala liphantsi, kwaye uphephe ukufaka isicelo semali mboleko ngaxeshanye.

mboleko zomntu eJamani

Ixesha lokuhlawula imali mboleko yakho eJamani

Ixesha lesiqhelo lokuhlawula imali-mboleko yobuqu eJamani linokwahluka ngokuxhomekeke kwisixa-mali semali-mboleko kunye nemimiselo yombolekisi. Kwelinye icala, imali-mboleko yobuqu eJamani ihlala inexesha lokubuyisela iinyanga ezili-12 ukuya kwezili-120.

Ababoleki banokukhetha ixesha lokubuyisela elihambelana neemfuno zabo kunye nohlahlo lwabiwo-mali. Iimali-mboleko zexeshana elifutshane zinemiqathango yokuhlawula emifutshane, kaninzi phakathi kweenyanga ezili-12 nezingama-48, kwaye iimali-mboleko zexesha elide zinexesha lokubuyisela ukuya kuthi ga kwiinyanga ezili-120.

Ixesha lokuhlawula elikhethiweyo liya kuchaphazela umlinganiselo wenzala, njengoko ixesha elide lokuhlawula liya kutsala izinga eliphezulu lenzala njengoko umbolekisi eza kuthatha umngcipheko omkhulu wokusilela.

Into ephambili kukuqonda ukuba nangona ixesha lokubuyisela lide, intlawulo ephantsi yenyanga, iphezulu iindleko ezipheleleyo zemboleko ngenxa yenzala. Xa kumiselwa ixesha lokuhlawula, kubalulekile ukuba kuthathelwe ingqalelo ixabiso lilonke lemali-mboleko kunye nezavenge zenyanga.

Kudla ngokuba ngumbono olungileyo ukukhetha ixesha lokubuyisela elihambelana nomboleki-mali, kodwa alibanga lide kangangokuba liphakamisa iindleko ezipheleleyo zemboleko. Kudla ngokuba ngumbono olungileyo ukuphonononga iindlela ezininzi onokukhetha kuzo kwaye ukhethe eyona ifanele iimfuno zomboleki kunye nohlahlo lwabiwo-mali.

mboleko engeyiyo injongo eJamani

Injongo yemali mboleko yobuqu eJamani

Imali mboleko yobuqu eJamani inokusetyenziselwa izinto ezininzi, kubandakanya kodwa ingaphelelanga apho:

  • ukuphuculwa kwekhaya,
  • Ukuthenga imoto,
  • Ukudityaniswa kwamakhadi etyala,
  • Ukubhukisha iholide,
  • Intlawulo yomtshato,
  • Ukunyamekela amatyala ezonyango,
  • Ukuqala ishishini elincinci,
  • Utyalo-mali kwimfundo okanye kuqeqesho.

Iimali-mboleko zobuqu eJamani zithathwa ngokuba zibhetyebhetye kwaye zinokusetyenziselwa nayiphi na injongo anqwenelwa ngumboleki. Nangona kunjalo, abanye ababolekisi banokubeka imiqathango ekusebenziseni imali yemali-mboleko yobuqu, njengokuvalwa kokusebenzisa imali-mboleko kutyalo-mali okanye ukungcakaza. Ezi zithintelo ziya kuchazwa kwisivumelwano semali-mboleko, ekufuneka sifundwe kwaye siqondwe phambi kokuba sisayinwe.

Kubalulekile ukuqaphela ukuba injongo yemali-mboleko inokuchaphazela izinga lenzala kunye nemigaqo yemboleko. Imali-mboleko esetyenziselwa injongo ethile, njengokuphucula ikhaya okanye imfundo, isenokuba nenzala ephantsi kunemali-mboleko esetyenziselwa ezinye iinjongo.

Ngenxa yoko, kusoloko kulumbono olungileyo ukukhangela kumbolekisi ngezithintelo ezithile kunye nendlela injongo yemali-mboleko enokuyichaphazela ngayo imiqathango yemboleko.

 

Imali mboleko yobuqu eJamani kwi-intanethi okanye ngokobuqu

Imali mboleko yobuqu eJamani inokucwangciswa kwi-intanethi nangobuqu. Imibutho emininzi yezemali, kubandakanywa iibhanki kunye neemanyano zamatyala, zibonelela ngeemali-mboleko zobuqu ngeewebhusayithi zabo, okwenza kube lula kubaboleki ukufaka isicelo kunye nokulawula imali mboleko kwi-Intanethi.

Usetyenziso lwe-Intanethi luhlala lukhawuleza kwaye lulungele ngakumbi kunezicelo zangaphakathi kumntu, ezinokonga ixesha kunye nomzamo.

Ukuzalisa ifom yesicelo kunye nokungenisa nge-elektroniki amaxwebhu ayimfuneko, njengobungqina bengeniso kunye nesazisi, yinto eqhelekileyo yokufaka isicelo semali mboleko ye-intanethi.

Abanye ababolekisi be-intanethi basebenzisa amaqonga edijithali ukuqinisekisa ukuchongwa komboleki. Sakuba sivunyiwe isicelo, isixa-mali semali-mboleko siya kuhlawulwa ngoko nangoko kwi-akhawunti yebhanki yomboleki.

Nangona kunjalo, ayingabo bonke ababolekisi ababonelela ngemali mboleko yobuqu kwi-intanethi kwaye abanye abafaki zicelo bangathanda ukufaka izicelo ngokwabo.

Izicelo zobuqu zihlala zibandakanya ukutyelela isebe leziko lezemali kunye nokudibana negosa lemali-mboleko ukuze kuxoxwe ngeendlela zokhetho lwemali-mboleko kunye nokugqibezela inkqubo yesicelo.

Kubalulekile ukuqaphela ukuba imali-mboleko yobuqu kwi-intanethi inokuba nemigaqo nemiqathango eyahlukileyo kunemali mboleko yobuqu, ngoko ihlala ingumbono olungileyo ukujonga iindlela ezahlukeneyo kwaye ukhethe eyona ifanele iimfuno zomboleki kunye nohlahlo lwabiwo-mali.

by | Jan 20, 2023

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.