Fumana iinyani malunga nabaqokeleli beetyala kunye nenyaniso emva kwezi ntlobo zokuqokelela iintyala eziqhelekileyo.
Abaqokeleli bematyala bahlala bechanekile.
Awunakuze ucinge ukuba umqokeleli wetyala ubiza wena ngetyala elisemthethweni. Ngamanye amaxesha abaqokeleli beetyala bafumana ulwazi olungafanelekanga. Ngamanye amaxesha, abaqokeleli baxoxwa ngamatyala ababenokungathembeki baphishekela abathengi kwiimali ezikhohlakeleyo okanye amatyala ahlala ehlawulwa okanye akhanselwe. Ngethamsanqa, ungasebenzisa inkqubo yokuqinisekiswa kwetyala ukuba ufune ukuba abaqokeleli bathumele ubungqina bentyala phambi kokuba uhlawule. Ingcinga efanelekileyo ukucela ukuqinisekiswa kwetyala phambi kokuba uhlawule nayiphi na iqoqo leqoqo.
Ityala liya kuhamba xa ungayithobeli ixesha elide.
Ukuba ukungahoyi amatyala kwenza ukuba bahambe, akukho namnye kuthi uza kuhlawula. Ukuqokelela amatyala kunye neeleta kunokuyeka ukuba uyayigxeka inkokhelo ixesha elide, kodwa ityala aliyeki. Kuya kuqhubeka kuludwe kwi-akhawunti yakho yeekhredithi kuze kube yilapho umlinganiselo wexesha lokubhengezwa kwekhredithi uphakanyisiwe .
Nangona emva kwetyala liwela kwingxelo yakho yekhredithi, kusenokwenzeka ukuba kusekho kwiirekhodi zomthengi wakho. Ukuba uzama ukufumana i-akhawunti kunye naloo shishini kwakhona, kufuneka uhlawule ityala elingenakuhlawulwa kuqala.
Ukuthumela i-stop and deist letter kubangela ukuba ityala lihambe.
Ukuyeka nokuyeka incwadi kubangela ukuba abaqokeleli bamatyala bangakubiza.
Yiyo leyo. Ityala lakho lihleliyo nangemva kokuba i-call collector's call you stop. I-matyala ingaqhubeka ibhalwe kwi-credit report yakho kwaye iza kuphazamisa amanqaku akho kunye nekhono lokufumana amaphepha amakhadi kunye namatyala-mboleko. Ityala linokuthi linikezelwe kumqokeleli omtsha. Ukuba oko kwenzeka, ukuyeka kwakho kwangaphambili kunye neleta enqabayo ayisebenzi.
Ukuhlawula iqokelelwa kwetyala kuyakususa kwi-akhawunti yakho yemali okanye ukuphakamisa amanqaku akho.
Xa uhlawula ukuqokelela amatyala, umqokeleli wetyala ufunwa kuphela ukuba ubuyekeze ingxelo yengxelo yemboleko ukubonisa ukuba uyihlawule. Akunyanzelekile ukuba basuse kwingxelo yakho yekredenti emva kokuba uyihlawule - kuba ukuhlawula iqokelela letyala akutshintshi into oyikweleta yona. Kwaye ngelixa ukuhlawula iqoqo kulungelelwano olupheleleyo ngetyala lakho kunye nempilo yakho yezemali awukwazi ukubona ukwanda kwangoko kwinqanaba lakho lemali emva kokuhlawula iqoqo.
Ukuhlawula okanye ukuhlawula ityala libuyisela umda wexesha lokubika ngetyala.
Ungaxhalabi. Ukuqokelela kwetyala akuyi kubalwa kwi-akhawunti yakho yebhanki ixesha elide nje ngokuba uhlawule. Umda wexesha lokubhengisa ngetyala uncike kumhla wobugqwetha kwi-akhawunti yakho-leyo yinto efanayo nangemva kokuba wenze intlawulo.
Iqoqo liya kulahla ingxelo yakho yekredenti emva kweminyaka esixhenxe ukuba uyayikhokha okanye cha.
Abaqokeleli-matyala abanakho ukufaka ityala kwiimali eziye zadlula ummiselo weemingcele.
Nangona ummiselo wemingcele ngumsebenzi wexesha elithile ukuba ityala linyanzeliswa ngokomthetho, oko akuthethi ukuba umqokeleli weetyala akayi kukumangalela emva kokuba ummiselo usuphelile. Abanye abaqokeleli ityala abanamathembekanga kwaye abahlali bawulandela umthetho ngaso sonke isikhathi. Baya kuphinda bahlawule ityala okanye bakubophezele ngethemba lokuba awukwazi ukubonakalisa ummiselo weemingcele udlulile okanye mhlawumbi ukuba awuyi kuphendula kwisigwebo. Yingakho kubalulekile ukugcina iirekhodi zakho zamatyala akho.
Abaqokeleli-matyala kufuneka bayeke ukubiza ukuba ubaxelela ukuba bayeke.
Oku kuyinyani kuphela. Ivesi ukuxelela umqokeleli wetyala ukuba ayeke ukubiza usebenza kuphela kwiimeko ezimbini.
Okokuqala, xa uxelela umqokeleli ukuba ayeke ukukubiza emsebenzini ngenxa yokuba umqeshi wakho akakakuvumeli ukuba ufumane le fowuni, umqokeleli wetyala makayeke ukukubiza emsebenzini wakho. Okwesibini, ukuba uthetha umqokeleli ababiza ngexesha elibi , abanakukubiza ngokuba ngelo xesha. Kumele wenze isicelo esibhaliweyo sokuba nomqokeleli wetyala akuyeke ukukubiza ngokupheleleyo. Ngaphandle koko, umqokeleli wetyala akavumelekanga ngokomthetho ukuba ahloniphe isicelo sesicelo sokuyeka ukubiza.
Ukwenza inkokhelo ekhethekileyo kuya kufumana umqokeleli wetyala kumva wakho.
Iimbopheleleko zakho zihlawulwa ngokupheleleyo. Abaqokeleli bematyala banokuyeka ukukubiza okwethutyana ukuba wenze intlawulo kwi-matyala, kodwa iifowuni ziya kuqhubeka kwakhona. Ukwenza inkokhelo ngokwendlela yokuhlawula imali inokunqanda ukuqokelela iifowuni ngokuzeleyo njengoko uqhubeka kunye nazo zonke iintlawulo zakho phantsi kwelungiselelo.
Ukubeka i-matyala ngaphantsi kwe-balance balance ngokupheleleyo kuya kunceda amanqaku akho.
Ngamanye amaxesha ukuhlawulwa kwematyala isicwangciso esilungileyo sokunyamekela ama-akhawunti angalunganga, kodwa ayinakunceda amanqaku akho. Eyona nto enokuyithemba ngayo kukuba ukuhlawula ityala akuyi kuphazamisa amanqaku akho okwekhredithi. Ukumisela akuyi kukunceda amanqaku akho okwekhredithi - kungekudala ubuncinane. Ukuba ne-balance balance kwiqoqo kungcono kunokuba neqoqo evelele, kodwa ixesha kuphela kunye nembali yentlawulo efanelekileyo iya kunceda amanqaku akho ekhredithi aphucule.
Abaqokeleli-matyala bangakubeka entolongweni ukuba awuyikuhlawula iqoqo lakho.
Abaqokeleli bematyala abanalo igunya lokubeka entolongweni kwiimboleko zabathengi. Kwaye kwakungekho mthethweni kubaqokeleli beetyala ukuba basongele ukuba ubanjwe ngamatyala ukuba bayazi ukuba abanalo igunya lokwenza oku. Kwezinye iimeko, kunjalo, unokubanjelwa kwiintlobo ezithile zeetyala ezinjengeenkxaso zabantwana abangaphaya kwexesha okanye ukuhluleka ukuvela enkundleni ukuze kuvezwe inkundla enxulumene namatyala.
Unokudlula umqokeleli wetyala kwaye uhlawule umboleki-mboleko.
Uninzi lwabantu luyakwazi ukuhlawula inkampani abayidala ngayo ityala ngaphandle koqokeleli wetyala lomntu wesithathu. Nangona kunjalo, unganakho ukhetho oluxhomekeke kumalungiselelo omboleki kunye nomqokeleli wetyala. Ngokuqhelekileyo, umboleki-mali oyimvelaphi unesivumelwano kunye negosa lokuqokelela iqela lesithathu elivimbela umboleki-mali ukuba avumele ukuhlawula ityala lakho. Kwezinye iimeko, umboleki-mboleko wangaphambili uthengise ityala kumthengi wetyala onokubakho ityala ngqo.
Abaqokeleli bematyala banokuyilungisa umvuzo wakho ukuba awuyi kuhlawula.
Abaqokeleli-matyala kunye namanye amashishini kufuneka alandele inkqubo ethile yomthetho ukulungisa umvuzo wakho kumatyala omboleki. Kumele baqale bakugwebe kwaye bazuze isigwebo kuwe. Emva koko, ukuba awuyi kuhlawula isigwebo, umqokeleli wetyala ungabuyela enkundleni aze acele imvume yokulungisa umvuzo wakho. Akufanele uphuhliswe ngongcaka ngaphandle kokuba umqokeleli weetyala sele esebenzisa idilesi engafanelekanga ukuba izaziso zakho zomthetho zisebenze. Ukuba oko kwenzeka, ugqwetha lakho linokukwazi ukugwetywa ngenxa yokuba awuzange ukhonze kwidilesi efanelekileyo.