Le mbasa njengoko prerequisite kuba abolekisa
Imali-mboleko amaxwebhu makangenise borrower ukongeza kwi-ukuthelekisa credit uxwebhu lwesicelo phambi elokugqibela ye-credit sivumelwano kunye Bank amaxwebhuKwi isiseko ezi amaxwebhu, apho nika ulwazi malunga ingeniso kwaye ezikhoyo collateral, credit iziko i-credit nako ka-sicelo ukugqiba i-credit umyinge. Cofa apha ukuze ufunde ntoni na uxwebhu olufunekayo kufuneka bayigcine kuba imali-mboleko isicelo ilungile. Ukusukela ukuba kukho akukho efanayo imigaqo zikho ukuba isebenza kuwo onke credit bamatyala, vary kwamaxwebhu ukuba singeniswe kuxhomekeke zahlukeneyo credit Institute. Ukongeza, izinto ezifana uhlobo imali-mboleko esi sicwangciso imali-mboleko okanye iqela abantu kangangoko kwaye uhlobo amaxwebhu ukuba singeniswe. Ngokufanelekileyo, kuyenzeka ukuba, umzekelo, ushishino abathengi ngaphezulu amaxwebhu kuba imali-mboleko isicelo private abantu kufuneka angenise. Ngokunxulumene icandelo ishumi elinesibhozo ye-banking act, credit maziko obliged, phambi kweelwimi ka-credit ezifunekayo ngumthetho ukwenza i-credit khangela.
Usebenzisa i-zincwadi, Bank kuyakhusela ngokwayo ngokuchasene kwezo meko-credit default umngcipheko kukho xa borrowers unako ayisasebenzi bahlangana repayment ye-mboleko.
Imali-mboleko igosa yenza ngokusekelwe data kwi amaxwebhu kuba imali-mboleko isicelo, ebizwa-credit yenza inqaku.
I-numerical ixabiso ezibangela ukuba ukususela nokuhlolwa borrower iimpawu, umele credit ka-umthengi kwaye influenced ukwabiwa-mboleko.
Kulo naliphi na ityala, kubathengi zalisa imali-mboleko amaxwebhu, kufuneka nakekela ukuba completeness ka-ulwazi kwi amaxwebhu, ngokunjalo kuchaneka ka-ulwazi. Ayilunganga ulwazi kufuneka kuvela ugcine Bank ukuba aphelise ilungelo phambili sele contracted yemali-mboleko yakho yakwa kuba okulungileyo sizathu. Kwi Radio okanye ukuphepha ukumiselwa kwebandla ayilunganga ulwazi, kufuneka borrower qiniseka ye-abolekisa Bank soloko ehlaziyekileyo.
Share yakho yamatyala kunye yibhanki kuba na deviations ukususela ngoku ulwazi kwi-credit isivumelwano kwangoko.
A utshintsho yokuhlala okanye utshintsho Umqeshi kufuneka disclosed.
Kanjalo kwimeko retirees, kukho imisebenzi ekhethekileyo
Kwi-siseko, xa nokufaka imali ngokubhekiselele-sicelo ke iqela abantu, umahluko lwenziwa.
Abathengi, iinkampani, private abathengi kwaye mna-uqeshiwe kwaye freelancers kwi-iindlela ezahlukileyo. Umbuzo apho amaxwebhu ingaba afanelekileyo ye-credit kuyimfuneko, kwaye unako ke ngoko hayi kuba waphendula uniformly. Kuxhomekeke zahlukeneyo iqela ezahlukeneyo amaxwebhu kufuneka singeniswe. Ngenxa hayi ngokucacileyo ochaziweyo Izikhokelo malunga uxwebhu singeniswe, unako kanjalo ezahlukeneyo iibhanki kuba ezahlukeneyo iimfuno. Kwimeko ingentla-kuchazwe amaxwebhu, nangona kunjalo, kubalulekile kakhulu ngokufanayo amaxwebhu, oko kufuna credit amaziko emfundo kwi-umthetho. Abasebenzisi bamanzi abafumana ukwenza i-Intanethi credit uthelekiso, ingaba rhoqo wabuza kwimeko-mboleko uthelekiso, personal data. Ukongeza, umvuzo zemali, i-akhawunti zemali, njl. njl.) rhoqo, wacela ukuba ulwazi kwi i-personal-mali Imeko kwaye abandakanyekayo amaxwebhu (. Amaxesha amaninzi, ezi data zingasetyenziswa kanjalo kuba ukunikezelwa komthetho-mboleko amaxwebhu. Corporate abathengi abo ufuna ukuthatha ngaphandle imali-mboleko ye-financing a inkampani kufuneka, ukongeza kwi-kuchazwe amaxwebhu ufake oku kulandelayo amaxwebhu: njengoko kwimeko-sicelo amaqela differ kwaye zixhomekeke kanjalo kwi amaxwebhu ukuba singeniswe kuxhomekeke uhlobo babuza Imali-mboleko. Ukongeza kwi-conventional amaxwebhu kufuneka singeniswe kwimeko rescheduling, ezi zinto zilandelayo amaxwebhu: Yintoni na amaxwebhu kuba Bank credit kwi ariya real estate kwaye ekhaya ukuthenga iimfuno, kuxhomekeke uhlobo ipropati. Ukongeza kwi-amaxwebhu malunga mali Imeko, olu lwazi lulandelayo kufuneka proven Ngokusemthethweni, amaxwebhu kuba private borrower akukho uniformly ochaziweyo xesha kuya kuba Credit. Izivumelwano ukuba Bank iimveliso, nangona kunjalo, kufuneka, ubuncinane, wayigcina kuba ubude ixesha kwaye kude kube sekupheleni ixesha zengqesho. I-credit isivumelwano layo kunye repayment le iyonke imali, ngoko ke borrower unakho ukulahla, kwi-siseko, kananjalo ehambelanayo amaxwebhu. Kuba traders ezinye kuya izibophelelo isicelo xa ufaka ngokusemthethweni obliged ukugcina ii-akhawunti. euros kwaye inzuzo ka. euros ngonyaka ingaba generated Credit kufuneka ibe phakathi ezintandathu nelishumi ka-ukugcinwa amaxwebhu. Ngamnye Bank ngu ezahluka-hlukileyo kunye ngokumnika-mboleko, kwaye sele zabo umntu izikhokelo. Ngokufanelekileyo, kunokwenzeka kwi-rarest ka ukuba iimeko ezimbalwa iibhanki kanjalo kufuna zilandelayo amaxwebhu: Onke amaxwebhu eceliweyo yi-Bank, kufuneka singeniswe ukuze approve i-credit isicelo zokugqibela. Ukongeza, nangona kunjalo, kukho ezinye iindlela ukuba unako impembelelo isigqibo Bank kwi ngokumnika imali-mboleko.
