Umahluko of olujikelezayo iintlawulo credit kunye isavenge

Umahluko ngayo ngetyala esijikelezayo isavenge anokufunyanwa kwemiqathango ukujonga indlela iintlawulo zenyanga. Esijikelezayo mboleko indlela oza kuhlawula ukumisela imali rhoqo ukuhlawula nyanga nganye ngexesha contract khadi, kodwa izavenge kukho indlela oza kuhlawula ixesha ngasinye ukucwangcisa ngabanye ngexesha lokuthenga.

 

In
olujikelezayo ngetyala kwaye olujikelezayo ngetyala, wabukhangelisa intlawulo yenyanga ngexesha ziyindlela imvumelwano ikhadi. Chitha 20 xa ngaphakathi yen ubuncinane intlawulo yen yenyanga 5,000, izicwangciso, ezifana 10,000 yen xa ukusetyenziswa mali ilingana okanye ngaphezulu kwezigidi ezingama-20 yen kuqhelekile. Kulo mzekelo, akunamsebenzi ukutshintsha nyanga nganye ngo-5000 Intlawulo yen ubuncinane yi-mali ukusetyenziswa. Ukongeza, ukuba intlawulo lincinane okanye inkampani ikhadi ngaphezulu kugqitywa, ungabeka isixa semali ngokwabo.

 

e ngetyala esijikelezayo, phambi kwintlawulo yonke evenkileni okanye zingacwangciswa kwi olujikelezayo ngetyala, kwakhona okanye kuzakucwangcisa credit olujikelezayo ngomnxeba okanye lasekhaya iphepha yenkampani ikhadi emva ezivenkileni. Ukongeza, ungakhankanya indlela bentlawulo credit olujikelezayo ngelo xesha uthenga evenkileni. Kukho kwakhona ikhadi ribonucleic ezinikeleyo, uya konke ukusetyenziswa kwale ikhadi ngokuzenzekelayo ajikelezayo ngetyala.

 

izavenge
ngezavenge yinkqubo eya kuhlawula wohlulwe inani umsebenzisi efunekayo. Intlawulo Kuya qho ngenyanga mali kunye nenani kweentlawulo ukusetyenziswa umahluko omkhulu phakathi credit ajikelezayo. Inani iintlawulo, beka ngamnye ukwenzela ukusetyenziswa kwikhadi ngalinye. amaxesha 3 okanye amaxesha 5, amaxesha-10, kuyinto eqhelekileyo, amaxesha ezifana 12. Oku kungenziwa wamisa amaxesha malunga nama-24 okanye 36, okanye uyakwazi ukukhetha inkokhelo eyibhonasi.

 

nezingeloncedo

 

 

Ngokubanzi ngasinye iingenelo, zemboleko olujikelezayo icwangcisiwe umdla kunokuba luyayiphucula ngezavenge. Kwiimeko ezininzi, ne-18% inzala ukususela-15% ngo-credit esijikelezayo, ngezavenge iye yaba-15% ukusuka kwi-12%. Xa credit esijikelezayo iye iintlawulo zenyanga rhoqo, kuba imali elinganayo ukuhlawula enoba indlela zokuthenga kakhulu, indlu ngendlela sezingeni Ithi ukuba indlela yokubhatala lobuhlobo. ixesha ngasinye

 

umva ngezavenge ukuthenga impahla, ukuba iintlawulo mali iya kuqhubeka ukwandisa. Xa credit olujikelezayo iyaqhubeka ezivenkileni, kodwa kukho kuphetha nokuba yalahleka okanye baba kunjalo, izavenge, kwelinye icala, kuba inani olubekwe, kukho inzuzo ukuba ukugqitywa walentlawulo lula ukuyiqonda. Ngoko ke, olujikelezayo ngetyala okanye ulawulo mali amahlwempu, nabantu okanye uthanda compress kangangoko kunokwenzeka umthwalo yokuhlawula yenyanga iye nayo.

 

Ukongeza, izavenge njengokuba uzame ukutshintsha indlela yentlawulo ukusuka zilandelayo, kunzima ukutshintsha logama nje kungekho iimeko ezizodwa, olujikelezayo ngetyala lizibeke kunokwenzeka. Le inzuzo enkulu ajikelezayo ngetyala. Umzekelo, ukuba uthenga 100,000 iimpahla yen, shiya ixesha ekubeni olujikelezayo ngetyala, ukuba imali ihlelwa ezifana kwinyanga elandelayo kunokuqulunqwa, unako ukuba ugqibile kwangoko intlawulo ngemali.

 

loo mali, usike intlawulo umdla. Wekhadi kwimeko lezavenge akukho engenakwenzeka, kodwa, emva kokuba zoqhagamshelwano ngqo, njl inkampani khadi, kukho amathuba okuba lokubiza wezolawulo umdla, ezifana ekuqaleni ahlawule inzala ngokwahlukeneyo. Esijikelezayo mboleko ukuqonda kakuhle ukuba isebenza njani, ungasebenzisa efana iluncedo kakhulu ukuya kuhlawulwa ngokufanelekileyo xa usebenzisa i wekhadi. Umzekelo, ukuba uthenga 100,000 iimpahla yen, shiya ixesha ekubeni olujikelezayo ngetyala, ukuba imali ihlelwa ezifana kwinyanga elandelayo kunokuqulunqwa, unako ukuba ugqibile kwangoko intlawulo ngemali.

 

loo mali, usike intlawulo umdla. Wekhadi kwimeko lezavenge akukho engenakwenzeka, kodwa, emva kokuba zoqhagamshelwano ngqo, njl inkampani khadi, kukho amathuba okuba lokubiza wezolawulo umdla, ezifana ekuqaleni ahlawule inzala ngokwahlukeneyo. Esijikelezayo mboleko ukuqonda kakuhle ukuba isebenza njani, ungasebenzisa efana iluncedo kakhulu ukuya kuhlawulwa ngokufanelekileyo xa usebenzisa i wekhadi. Umzekelo, ukuba uthenga 100,000 iimpahla yen, shiya ixesha ekubeni olujikelezayo ngetyala, ukuba imali ihlelwa ezifana kwinyanga elandelayo kunokuqulunqwa, unako ukuba ugqibile kwangoko intlawulo ngemali.

 

loo mali, usike intlawulo umdla. Wekhadi kwimeko lezavenge akukho engenakwenzeka, kodwa, emva kokuba zoqhagamshelwano ngqo, njl inkampani khadi, kukho amathuba okuba lokubiza wezolawulo umdla, ezifana ekuqaleni ahlawule inzala ngokwahlukeneyo. Esijikelezayo mboleko ukuqonda kakuhle ukuba isebenza njani, ungasebenzisa efana iluncedo kakhulu ukuya kuhlawulwa ngokufanelekileyo xa usebenzisa i wekhadi.