11/08/2023

Ubomi bunokuphosa imiceli mngeni engalindelekanga kuthi, kwaye ngamanye amaxesha, ukusilela kwezemali kunokukhokelela kumanqaku angaphantsi kokugqibelele amatyala.Xa ababolekisi bemveli bakugxotha ngenxa yamanqaku asezantsi etyala, ababolekisi bemali-mboleko yemali-mboleko embi inokuba lubabalo lwakho lokonga.Kwesi sikhokelo sibanzi, siza kuphonononga ukuba ngoobani ababolekisi bemali-mboleko abangalunganga, banokukunceda njani, kwaye yintoni omawuyiqwalasele xa ukhetha echanekileyo ukuze ubuyisele imali yakho kwindlela.

Ukuqonda iiMali-mboleko ezimbi

Yintoni Imali-mboleko Engalunganga?

Iimali-mboleko ezimbi, njengoko igama libonisa, yimali-mboleko eyenzelwe abantu abanamanqaku angaphantsi kunalawo afanelekileyo.Ezi mboleko zihlala zineemfuno zekhredithi eziyekelelwe ngakumbi, zizenza zifikeleleke kubantu abanokwaliwa ngababolekisi abaqhelekileyo.

Iindidi zeeMali-mboleko ezimbi

1. Imali-mboleko yobuqu: Iimali-mboleko zobuqu zetyala elibi ziimali-mboleko ezingakhuselekanga ezinokusetyenziswa kwiinjongo ezahlukeneyo, ezinjengokuqinisa amatyala, iindleko zonyango, okanye amatyala angalindelekanga.
2. Imali-mboleko ekhuselweyo: Iimali-mboleko ezikhuselekileyo ezikhuselekileyo zifuna isibambiso, njengemoto okanye i-asethi enexabiso, ukukhusela imali-mboleko.Esi sibambiso sinciphisa umngcipheko wombolekisi kwaye sinokukhokelela kwimimiselo encomekayo yemali-mboleko.
3. Iimali-mboleko zosuku lokuhlawula: Iimali-mboleko zexesha elifutshane ngokuqhelekileyo zijoliswe ekuhlawuleni iindleko kude kube yintlawulo elandelayo.Badla ngokuza nenzala ephezulu.
4. Imali-mboleko yezavenge: Imali-mboleko yezavenge yetyala elibi ibandakanya ukuboleka imali emiselweyo kwaye uyibuyisele ngezavenge rhoqo kwixesha elimiselweyo.

Indima yabaBolekisi beWholeyilesi kwiiMali-mboleko eziMabi

Ababolekisi ngemboleko mali basebenza njengabalamleli phakathi kwababoleki kunye namaziko emali akulungeleyo ukwandisa ityala kubantu abaneembali zetyala ezingafezekanga.Nantsi indlela abanokuncedisa ngayo:

• Ukufikelela kubabolekisi abaNinzi: Ababolekisi kwihoyilesi banxibelelene namaziko ohlukeneyo emali asebenza ngokukodwa kwiimali mboleko ezimbi.Oku kuvumela ababoleki ukuba bajonge iinketho ezininzi.
• Ubungcali: Bayaziqonda iimfuno kunye nezikhokelo kwiindidi ezahlukeneyo zeemali mboleko ezimbi, ukuqinisekisa inkqubo yokufaka isicelo egudileyo.
• Amaxabiso oKhuphiswano: Ababolekisi kwihoyilesi badla ngokuthethathethana ngenzala ekhuphisanayo nemimiselo egameni lomboleki.
• Uncedo: Benza lula inkqubo yokufaka isicelo semali-mboleko, ukunciphisa amaphepha kunye nengxaki kubaboleki.

Ukukhetha uMboleki weWholesale oLungileyo kwiiMali-mboleko eziMabi

Ukukhetha umbolekisi ofanelekileyo wehoseyile kubalulekile kuhambo oluyimpumelelo lokubuyisela imali.Qwalasela la manyathelo alandelayo:

1. UPhando kunye nokuthelekisa: Phanda ababolekisi beevenkile ezahlukeneyo kwiimali-mboleko ezimbi.Thelekisa iimveliso zabo mboleko, inzala kunye neentlawulo.
2. Khangela ukuVunywa: Qinisekisa ukuba umbolekisi uqinisekisiwe kwaye usebenza ngokwesakhelo somthetho.
3. Funda uPhononongo: Jonga uphononongo lwabathengi kunye nobungqina bokulinganisa isidima somboleki kunye nokwaneliseka kwabathengi.
4. Ukungafihlisi: Khetha umbolekisi ocacileyo malunga nemirhumo kunye nemigaqo kwaye ukulungele ukucacisa imiqathango yemboleko ngolwimi olulula.
5. Iingcebiso zobuGcisa: Dibana nabacebisi bezemali okanye iingcali ezinamava kwiimali mboleko ezingalunganga ukuze ufumane isikhokelo ekukhetheni umbolekisi othembekileyo.

Ukuqukumbela

Ababolekisi beWholesileli kwiimboleko-mali ezimbi banokuba lubomi kubantu abajongene nemingeni yemali kunye nemiba yamanqaku etyala.Aba babolekisi babonelela ngokufikelela kwityala xa iinketho zemveli zinqongophele.Xa ukhetha umbolekisi wevenkile, uphando olunzulu, ukungafihli, kunye neengcebiso zengcali zingundoqo.Ngombolekisi ofanelekileyo ecaleni kwakho, unokuthatha amanyathelo abalulekileyo ekubuyiseni imali kunye nekamva eliqaqambileyo lezemali.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.