Ho lokisetsa litokomane tsa mokitlane

Ha motho ea alimang a ipiletsa banka ho fumana mokoloto, mohiri o bua ka litemana le mekhoa ea ho fana ka eona, hammoho le ho fana ka lethathamo la litokomane tse hlokahalang bakeng sa ho tlosoa ha chelete.

Litokomane tsa motheo bakeng sa ho ngolisoa ka mokitlane

Tsena li kenyelletsa pampiri ka chelete ea moputso, pasepoto, kopo, hammoho le litokomane tse eketsehileng bakeng sa mefuta e itseng ea likoloto.

Tšebeliso ea mo alimi e ngolisitsoe ke mosebeletsi oa banka, e sebetsanang le mekoloto, koranteng ea likarabello ea likopo. E bontša nomoro ea ho ngolisa le letsatsi. Ho phaella moo, likopi tsa litokomane tsohle tse lokelang ho khutlisetsoa li etsoa. Mosebeletsi o boetse o etsa lethathamo la matšeliso a amohelehang, a tsepamisitsoeng ka lehlakoreng le leng, kapa ka morao ho kopo. Litokomane tsa mokitlane, tse fanoang ke motho ea alimang, li amoheloa, li fetisitsoe, li tlalehoa ebile li bolokiloe ho latela melao e sebetsang bankeng. Ka mor'a hore lipampiri tsohle li bokelloe li khabisitsoe, li romelloa ho netefatsa qalong.

Tlhahlobo ea pele ea mo alimi

Nako ea ho hlahloba taba ea ho fana ka mokoloto e itšetlehile ka mofuta oa eona le palo, empa ha ea lokela ho feta matsatsi a leshome le metso e robeli. Palo ea palo e qala ho tloha letsatsing la ho romella litokomane. Haeba e le sekoloto bakeng sa litlhoko tse potlakileng, qeto e nkoa ka matsatsi a leshome le metso e 'meli.

Litokomane tsa mokoloto, tse fanoang ke motho ea alimang, li hlahlojoa ke mosebeletsi oa banka. Sena se etsoa ho laola tlhahisoleseding e bonts'itsoeng sehlopheng sa lipotso. Ka ho hlahloba mangolo a rometsoeng, mosebeletsi o netefatsa histori ea mokitlane ea mo alima le guarantor (guarantors), tekanyetso ea likoloto likolotong tse fumanoeng pele (haeba li le teng) kapa li fana ka tiiso, ho sebelisa database ho batho ka bomong. Haeba ho hlokahala, o buisana le libanka tse ling, mekhatlo le likhoebo tse fanang ka mokitlane.

Ho tla ba ho nepahetseng ho kenyeletsa palo ea bahlokomeli bao, ba amanang le lilekane tse amanang le bona: batho ba baholo, batsoali, batsoali ba ntseng ba hōlisa, balekane ba bona le baratuoa. Boemo ba chelete ea bona ha bo tsotellehe. Molao ona o sebetsa feela haeba e se bona feela bahlokomeli. Ka mor'a hore ho netefatsoe, solvency ea motho ea alimanang le boholo ba likoloto e ka ba teng.

Ka mor'a hore lefapha la mokitlane le romele pokello ea li-securities lefapheng la molao. Ho itšetlehile ka liphello tsa ho hlahloba le ho netefatsa litokomane tsa mokitlane, lefapha la tšireletso le hlahisa maikutlo a ngotsoeng, a khutlisetsoang lefapheng la ho alima chelete.

Lefapha la mokitlane le ka 'na la kenyelletsa motho ea ikemetseng ea sebetsang kapa mosebeletsi oa khoebo e tlaase (haeba ho ka etsahala hore likoloi, thepa ea thepa kapa thepa e' ngoe e tšepisoe ka morero oa ho fumana boleng ba thepa). Kamora 'tlhahlobo, setsebi se theha maikutlo a litsebi, a fanoang lefapheng la mokitlane. E le pledge, lichelete li ka sebelisoa, bokhoni ba ho amohela li amoheloa ke litsebi tsa banka. Ba boetse ba theha maikutlo a litsebi, a fetisetsoang lefapheng la mokitlane. Litokomane tsohle li hlahlojoa ka mokhoa o hlokolosi ka ho fetisisa, ka mor'a tsohle, ho ba le mokoloto oa mokitlane ho itšetlehile ka bona.

Tekanyo ea mokitlane ea motho ea alima

Ho lekanyetsa ntlha ena, ho tsoa mofuteng oa motho ka mong, o tlosa litefello tsohle tse hlokehang tse bontšitsoeng ho lipotso le setifikeiti. Tsena li kenyelletsa alimony, menehelo, lekhetho la lekhetho, lekhetho la thahasello ka likoloto tse ling le ho lefa mekoloto ho bona, matšeliso bakeng sa tšenyo, joalo-joalo. E le ho hlahloba hore na mokoloto oa mokitlane le mohlokomeli ke mang, mohiri oa banka ha a ithute lipotso feela, empa o boetse o hlahloba litšupiso tse tsoang mosebetsing kapa o fanoang ke mekhatlo ea ts'ireletso ea sechaba mabapi le palo ea lichelete le chelete. Ho lokisetsa litokomane tsa mokitlane oa mofuta leha e le ofe, matšeliso ana ke a boikarabello.

Karolo ea ho qetela

Ha u qetile ho hlahloba, mosebeletsi oa banka ea sebetsanang le makasine ena o etsa sephutheloana sa lipampiri ka qeto ea hae, e lumelloang ke hlooho ea litekanyetso. Litokomane tsena tsa mokitlane li romelloa ho batsamaisi ba lefapha, e leng qeto ea ho qetela ka ho hana kapa ho patala. Tabeng ea ha ho na tokisetso ea lichelete qetellong kapa ho kopo ea mohatelli, lebaka le behiloe.

Ka mor'a molaetsa oa tumello ea ho alima chelete, mofani oa litsebeletso o lokela ho etsoa bankeng ha a e-na le litokomane tsa ho fumana mokoloto.