Ndazi njani ukuba ndiyasilela?

Ukulawula imali yethu yinkalo ebalulekileyo yokugcina ubomi obulungeleleneyo nokuphepha iingxaki zemali. Nangona kunjalo, ngamanye amaxesha, sinokujongana neemeko ezahlukeneyo ezikhokelela ekubeni sigqibe kwinto eyaziwa ngokuba "zintlu zobugqwetha." Eli nqaku lijolise kubo bonke abo bazibuzayo "Ndazi njani ukuba ndilahlekile?", Ukubonelela ngesikhokelo sobugcisa kunye nesipheleleyo sokukunceda ujonge imeko yakho yetyala.

Into ephambili yokwazi ukuba asiyi kusilela kukuqonda indlela abasebenza ngayo uluhlu lwabasileli kwaye siyiqonde imiqondiso ebonisa ukuba sinokuba kubo. Eli nqaku liza kubandakanya zombini uphononongo oluneenkcukacha lwemiba yobugcisa yolu luhlu, kunye namanyathelo onokuwathatha ukuba uzifumana ukule meko.

Maxa wambi iingxaki zemali zisenokubangelwa kukungayiqondi ngokupheleleyo indlela esebenza ngayo imali yobuqu. Singakunceda ngaloo nto; Siyakumema ukuba uphonononge inqaku lethu Indlela yokulawula iimali zakho zobuqu, eya kukubonelela ngezixhobo kunye neengcebiso zokunqanda ukuba ngumntu ongagqibekanga kwixesha elizayo.

Ukuqonda Kuthetha ukuthini ukusilela?

Xa uthetha ngokuba kwabo bangathobeliyo, ibhekisa kwinto yokuba umntu okanye inkampani ikwimeko yetyala. Oku kungenxa yokuba kukho iintlawulo ezithile, ezidla ngokuqhubekayo, ezingenziwanga ngexesha elimiselweyo. Le meko inokukhokelela kwimiphumo emibi yemali kunye nezomthetho, echaphazela kakubi amandla okuthenga ngetyala lomntu okanye inkampani.

Kulapho ke Iifayile ezigwenxa. Ezi ziirekhodi ezigcina umkhondo wabantu okanye iinkampani ezinamatyala angekahlawulwa. Ezinye zezona zaziwa kakhulu eSpain yi-ASNEF, i-RAI kunye ne-CIRBE. Eyokuqala emibini igxininise kwimali-mboleko yabathengi kunye ne-mortgage, ngelixa yokugqibela idibaniswe nemali-mboleko yebhanki. Ezi fayile zichaza iinkcukacha ezifanelekileyo malunga namatyala, njengesixa-mali, ngubani otyalayo, kunye nobude bexesha elityalwayo. ngaphandle kokuhlawula.

Ukuba kwezi fayile kuthetha ukuba naliphi na iziko lezemali liyakwazi malunga neyakho ityala imeko ngokulula ngokujonga ezi zigodo. Oku kunokuchaphazela ukukwazi kwakho ukwenza isicelo sekhredithi entsha okanye ukwazi ukuvula ishishini. akhawunti yebhanki. Ukongeza, inokuphelisa uthethathethwano lwakho namaqabane oshishino anokubakho okanye abatyali-zimali. Yiyo loo nto kubalulekile ukwazi ukuba uzifumana ukule nto kwaye, ukuba kunjalo, thatha amanyathelo afanelekileyo okumisela imeko yakho. Ukwenza oku, unokubonisana ngokuthe ngqo namaziko ala maxwebhu obhaliso okanye usebenzise iinkonzo ezikhethekileyo zolwazi lwetyala. Siyakumema ukuba ufunde inqaku lethu wazi njani ukuba uku-ASNEF ngeenkcukacha ezithe kratya.

Iimpawu zokuchonga ukuba ukuluhlu lwabangathobeliyo

Ukuqala, kufuneka unikele ingqalelo kwi unxibelelwano oluvela kumaziko emali. Ngokuqhelekileyo, xa ubandakanyiwe kuluhlu lwabangahlawuliyo, ufumana isaziso esivela kwinkampani enamatyala. Oku kwenziwa nge-imeyile, ngefowuni, okanye ngeeleta eziphathekayo. Olu nxibelelwano luchaza isixa-mali esityalwayo kunye neenkcukacha zokurhoxa kubhaliso. Ukuba ufumana unxibelelwano ngolu hlobo lolwazi, kunokwenzeka ukuba uya kufakwa kuluhlu kwifayile yabantu abangagqibekanga.

Emva koku, omnye umboniso ocacileyo ngulo ukwaliwa kweekhredithi kunye neemali-mboleko. Amaziko emali ajongana nezi fayile phambi kokuba anike naluphi na uhlobo lwenkxaso-mali kwaye, ke ngoko, ukuba unengeniso kwifayile engahlawuliyo, kukho amathuba aphezulu okuba isicelo sakho saliwe. Le meko inokuvela kwakhona ukuba uzama ukwenza ikhontrakthi yonxibelelwano ngefowuni okanye iinkonzo zamandla.

Nangona kunjalo, eyona ndlela isebenzayo nekhuselekileyo yokuqinisekisa ukuba ukuluhlu lwabangathobeliyo kukwenza a ukubonisana ngokuthe ngqo kweefayile ezingathobeliyo. Ezinye zeefayile ezaziwa kakhulu eSpain yi-ASNEF kunye ne-RAI. Ukusebenzisa ukufikelela kwakho ekunene, ungangenisa isicelo ukufumanisa ukuba idatha yakho zibandakanyiwe kwisiseko sayo. Ukukuququzelela Le nkqubo, ungalandela isikhokelo sethu kwi usijonga njani isimo sakho kwi-ASNEF nto leyo eya kukuvumela ukuba uqinisekise ngokuqinisekileyo ukuba ngaba ukwirejista yomeleli okanye hayi.

Ukuqinisekisa njani ukuba awumthobeli: Izixhobo kunye nezibonelelo ezikhoyo

Esona sixhobo sokuqala osifumanayo sokuqinisekisa ukuba uyasilela uludwe olusemthethweni lwabangathobeliyo. Le yingxelo yoluntu onokuthi uyijonge ukuze ufumanise ukuba ngaba unalo naliphi na ityala eliseleyo. Nangona kunjalo, kufuneka ukhumbule ukuba ayizizo zonke iinkampani ezixela abatyalayo kolu luhlu, ngoko ke kunokwenzeka ukuba unamatyala angabonakali kule registry. Nangona kunjalo, esi sisiqalo esihle.

Ukongeza kuluhlu olusemthethweni lwabangagqibekanga, ungasebenzisa kwakhona iingxelo zetyala ukujonga imeko yakho yobunjubaqa. Ezi ngxelo ziqokelela ulwazi malunga namatyala akho kunye neentlawulo kwaye zinokukunika umbono opheleleyo wemeko yakho yemali. Kukho iinkampani ezininzi ezibonelela ngeengxelo zetyala zasimahla onokuzisebenzisa, nangona ezinye zinokufuna umrhumo. Kubalulekile ukuba uhlalutye ezi ngxelo zekhredithi ngononophelo, njengoko kunokubakho iimpazamo ezichaphazela amanqaku akho.

Enye inketho sebenzisa izixhobo ze-intanethi ukujonga imeko yakho yobunjubaqa. Kukho ezininzi iiwebhsayithi kunye nezicelo ezibonelela ngenkonzo yokujonga ukuba unalo naliphi na ityala elingahlawulwanga. La maqonga adla ngokuba lula kakhulu ukuwasebenzisa: ufaka nje iinkcukacha zakho zobuqu kwaye ziya kuqinisekisa isimo sakho. Enye yezi zibonelelo uyijonga njani imeko yakho yezemali kwi-intanethi, apho unokulandela amanyathelo kwaye uqonde ngcono imeko yakho yezemali. Nangona kunjalo, ngaphambi kokusebenzisa ezi nkonzo, qiniseka ukuba zithembekile kwaye zihloniphe ubumfihlo bakho.

Impembelelo yokuba kuluhlu olungagqibekanga kunye nendlela yokusingatha

Ukuba kubhaliso loluhlu lwabangagqibekanga kunokuba yinto enkulu ifuthe kuqoqosho kunye nodumo lwakho ikhredithi. Oku kubangelwa ikakhulu kukuba ukukwazi kwakho ukwenza isicelo semali-mboleko, ukubambisa kunye nalo naluphi na uhlobo lwenkxaso-mali kunokuchaphazeleka kakhulu. Ukongeza, ezinye iinkampani zinokuthi zithintele iinkonzo zazo okanye zonyuse amaxabiso azo, nto leyo eyenza ukuba imeko yezemali ibe nzima ngakumbi.

Jonga rhoqo eyakho iingxelo zetyala ukuqinisekisa ukuba akukho ziphoso ezinokulimaza amanqaku akho. Iinkampani zokunika ingxelo ngetyala ziyafuneka ukuba zikunike ikopi yasimahla yengxelo yakho ubuncinane kanye ngonyaka. Ukuba ufumanisa impazamo, unelungelo lokuyiphikisa kwaye uyilungise. Ngolwazi oluthe kratya malunga nendlela yokucela umngeni kwimpazamo kwingxelo yakho yetyala, ndwendwela inqaku lethu Indlela yokujongana neempazamo kwiingxelo zamatyala.

Ukuba uzifumana kuluhlu lwabasilelayo, into yokuqala Kufuneka wenze ntoni es cwangcisa indlela yokuhlawula amatyala ngokukhawuleza kangangoko kunokwenzeka. Oku kunokubandakanya ukunciphisa iindleko, ukonga imali eninzi, okanye ukukhangela iindlela zokwandisa umvuzo wakho. Kubalulekile ukuba ungawahoyi amatyala, njengoko oku kuya kwenza izinto zibe mbi ngakumbi ekuhambeni kwexesha. Ukuba unengxaki yokwenza iintlawulo, qhagamshelana nenkampani enamatyala ukuze nixoxe ngeendlela zokuhlawula ezibhetyebhetye okanye uthethe ngokunciphisa imali oyityalayo.

Iindlela ezisebenzayo zokuphuma kuluhlu lwabangathobeliyo kwaye ufumane isidima sakho sezemali

Inyathelo lokuqala lokuphuma kuluhlu lwabangahlawuliyo, ngaphandle kwamathandabuzo, kukuhlawula amatyala ethu. Ngamanye amaxesha, ngenxa yeemeko ezingalawulekiyo, sinokuqokelela amatyala abonakala engenakwenzeka ukuhlawula. Nangona kunjalo, Thethana nababolekisi ngesisombululo esifikelelekayo Isenokuba yindawo yokuqala. Basenokukulungela ukwamkela isicwangciso sokuhlawula, apho ityala lihlawulwa ngezavenge ezifikelelekayo, okanye mhlawumbi kwanemali yokuhlawula ityala, apho kuhlawulwe imali engaphantsi kwetyala lilonke.

Okwesibini, kufuneka sikhumbule ukuba igama lethu lezemali alibuyi ngokukhawuleza. Kuthatha ixesha kunye nomgudu oqhubekayo ukuze bonisa ukuba sinoxanduva lokusebenzisa ikhredithi. Oku kuthetha ukwenza iintlawulo ngexesha, singasebenzisi yonke ikhredithi esinayo, kunye nokugcina ii-akhawunti zethu zikwimeko entle. Kusenokuba luncedo ukuphonononga iingxelo zethu zetyala rhoqo ukuqinisekisa ukuba aziqulathanga iimpazamo ezinokuchaphazela kakubi umlinganiselo wethu wetyala.

Okokugqibela, kubalulekile ukwazi amalungelo ethu njengabathengi. Kumazwe amaninzi, xa ityala lihlawulwe, inkampani yeinshorensi uluhlu lwabasileli Unexesha elithile lokususa igama lethu kuluhlu. Ukuba oku akwenzeki, singakwazi sifuna ukuba ulwazi lwethu luhlaziywe. Ukufunda ngakumbi malunga namalungelo akho njengomthengi kunye nendlela yokulawula isimo sakho esingagqibekanga, ndincoma ukuba ufunde eli nqaku indlela yokusombulula imeko yentlawulo kade. Ukungayihoyi ingxaki akusayi kuyicombulula, kodwa ngokuqinisekileyo kuya kuyenza ibe mandundu, ngoko ke kubalulekile ukuba sithathe amanyathelo ngokukhawuleza kangangoko sinako ukubuyisela isidima sethu sezemali.