Akukho ngqinisekiso yeNgqesho efunekayo ukuze kuphunyezwe iMali-mboleko

Kwilizwe elintsonkothileyo lokuboleka imali-mboleko e-US, imfuneko yokuqinisekiswa kwengqesho ibisoloko isisisikhubekiso kubaninzi abalindelekileyo kubaboleki. Nangona kunjalo, i-AAA Lendings iguqula ishishini ngokunikezela ngeenkqubo zemali-mboleko apho kungekho siqinisekiso sengqesho esifunekayo ukuze kuvunywe imali-mboleko. Le ndlela yokuvelisa izinto ezintsha ivula ihlabathi lamathuba kubantu abathile abanokuba nengeniso engaqhelekanga, bazimele ngokwabo.qeshwa, okanye baye bajongana nobunzima ekuboneleleni ngobungqina bengqesho.

I-AAA Lendings, engaphezulu kweminyaka eli-15 yamava atyebileyo kunye nerekhodi yokuhlawula ngaphezulu kwe-20 yeebhiliyoni zeerandi kwimali-mboleko, incede ngaphezulu kwe-50,000 yeentsapho. Ubungcali kunye nokuzinikela kwabo ekuncedeni ababoleki kuqaqambile kuluhlu lwabo lweemveliso ezibolekiweyo. Enye yeminikelo ephambili yimali mboleko ye-P&L eZilungiseleleyo. Njengoko igama libonisa, ababoleki kufuneka babonise kuphela ingxelo yeNzuzo kunye nelahleko abazilungiselele yona. Akukho mfuneko yembuyekezo yerhafu, nto leyo eyenza kube lula kwabo baneengxaki zemali ukuba bafanelekele ukubolekwa imali. Oku kuluncedo kakhulu kubantu abazisebenzelayo abasenokuba abanazo iifomu ze-W-2 okanye iintlawulo zesiqhelo.

Enye imveliso ephawulekayo yiI-DSCR(Debt Service Coverage Ratio) mboleko. Kule nkqubo, ingeniso yerenti isetyenziselwa ukufaneleka kwababoleki. Ngumdlalo otshintshayo kubatyali-zimali bezindlu nezindlu abanokuthi bangabinawo umsebenzi wesiqhelo we-9-to-5 kodwa banengeniso ezinzileyo kwiipropati zabo zokurenta. Ngaphandle kokuqinisekiswa kwengqesho efunekayo, abatyali-zimali banokugxila ekuxhaseni ii-asethi zezindlu zabo ukuze bafumane imali-mboleko.

Imali-mboleko yeNgxelo yeBhanki yenye enye indlela engayifuniyo isiqinisekiso sengqesho. Ababoleki banokusebenzisa izitetimenti zabo zebhanki ukubonisa ukuzinza kwabo kwezemali kunye nokukwazi ukuyibuyisela imali mboleko. Oku kubonelela ngenye indlela kwabo bangenayo imali engatshintshiyo kodwa bengenawo amaxwebhu asemgangathweni engqesho.

Yintoni eyahlula i-AAA Lendings ayizomveliso zabo mboleko kuphela kodwa kunye nenkonzo yabo ekhethekileyo. Banikela ngokubhala phantsi okubhetyebhetye, okuthetha ukuba xa abanye ababolekisi besithi “Hayi,” bathi “Ewe.” Ixesha eliqhelekileyo lokuvala liphakathi kweeveki ezi-3, ukuqinisekisa inkqubo ekhawulezayo nengenamthungo. Amaxabiso okhuphiswano kunye nenkonzo eyenzelwe wena ibenza babe lolona khetho luphezulu kubaboleki. Njengoko abathengi abonelisekileyo baye bangqina, iqela kwi-AAA Lendings lisebenza ubusuku nemini ukutyhala amatyala phambili kunye nokubonelela ngeengcaciso ezicacileyo kwinyathelo ngalinye lendlela.

Ukuqukumbela, ukuba ubusokola ukufumana imali-mboleko ngenxa yemicimbi yokuqinisekisa ingqesho, i-AAA Lendings ilapha ukunceda. Iinkqubo zabo zokubolekwa kwemali ezingadingi siqinisekiso sengqesho zinokujika amaphupha akho obunini-ndlu abe yinyani. Musa ukuvumela ukunqongophala kobungqina bengqesho yemveli kukubambezele. Finyelela kwi-AAA yokuboleka imali namhlanje kwaye uthathe inyathelo lokuqala ukuya kwikhaya lakho elitsha.