Hlola olu luhlu ngaphambi kokuba Uvale iKhadi leMali
Abathengi abaninzi bevale amakhadi esikwereti emva kokuba yinto ebonakala ngathi bayaphulaphula, ngenxa yokuba bayakhuthazwa ngumkhupheli wekhadi lokuthenga ngetyala, okanye ngenxa yokuba abafuni kwakhona ikhadi lekhredithi. Kubalulekile ukwazi ukuba ukuvala ikhadi lekhredithi akuyi kubakho ukugqithiswa kwamanye amazwe kwaye kwezinye iimeko, ukuvala ikhadi kungalimaza amanqaku akho kwirejista ngaphezu kokunceda.
Awa mahlanu amakhadi ekredithi ongafanele uvale kwaye kutheni kungcono ukuwashiya.
1. Musa ukuvala nayiphi na ikhadi lekhredithi eliseleyo.
Xa uvala ikhadi lekhredithi ngokulinganisela, umlinganiselo wakho weentengo zemali kunye nomda wokuthenga ngetyala kuthiwa ngu-$ 0. Ekubeni usenayo ibhalansi kwikhadi lekhredithi elingenamlinganiselo wesikweledu , kubonakala sengathi udibene. Ikhadi lekhredithi elixakile, okanye elinye elibonakala lixutywe ngaphandle, linokuchaphazeleka kakhulu kumanqaku akho okwekhredithi ukususela kwinqanaba lakho letyala lekhadi lesikweletu, kubandakanywa nokusetyenziswa kwetyala kwi-credit rating ratio , i-30% yemanqaku akhokredithi .
2. Musa ukuvala ikhadi lakho lekhredithi kuphela kunye nekhredithi ekhoyo.
Ikhadi lakho lekhredithi kuphela kunye nekhredithi ekhoyo inokuncedisa amanqaku akho okwekhredithi ngokunciphisa ukusetyenziswa kwetyala lakho jikelele. Ukuvalwa kweli khadi kuya kukushiya ngamakhadi angekredithi amaninzi ekulinganiselwe ukusebenzisa i-credit ephezulu. Njengokuvala ikhadi lekhredithi elinomlinganiselo, ukuvala omnye ngaphandle kwemali kungaphinda kuthintele amanqaku akho ekhredithi, kuba usebenzise lonke i-credit ekhoyo kuwe.
3. Musa ukuvala ikhadi lakho lesikweletu kuphela.
Ekubeni inxalenye yesikalo sakho semali-mboleko (i-10%) isekelwe kwiintlobo ezahlukeneyo zemali-mboleko onayo , ukugcina ikhadi lekhredithi kwimxube liya kwengeza amanqaku kumanqaku akho ekhredithi. Shiya ikhadi lakho lekredithi elivulekileyo ukubonisa ukuba unamava okulawula iintlobo ezahlukeneyo zeakhawunti zetyala.
Ngokuqinisekileyo kufuneka ushiye ikhadi evulekile ukuba yiyo kuphela i-akhawunti esebenzayo yesikweletu.
4. Musa ukuvala i-akhawunti yakho yekhadi lekredithi elidala.
Ukuvala amakhadi esikwereti endala kukuphelisa imbali yakho yematyala . Ababolekisi bavame ukujonga ababoleki ngembali emfutshane yeentengo njengengozi ngaphezu koboleki abaneembali ezide. Ukuvala ikhadi lakho lekredithi elidala akuyi kuphazamisa amanqaku akho kwesikweletu ngokukhawuleza. Kodwa, xa ikhadi lekhredithi liwa phantsi kwengxelo yakho yekredithi iminyaka emininzi ngaphantsi komgwaqo, unokubona ukuhla kwamanqaku okungahlawulwanga kwamatyala.
5. Musa ukuvala ikhadi lekhredithi ngemigangatho engcono.
Kutheni uvumele into enhle ihambe? Ukuba unekhadi lekhredithi elinomyinge omncinci wenzalo , akukho mali yonyaka, kunye nezinye izinto ezifana ne-inshurensi yokuhamba okanye imivuzo emikhulu, yigcine. Ikhadi lesikwerethi elikuhlawula imali elincinci ekuthengeni lilunge ngakumbi kunokuba ityala ngaphezulu.
Ixesha lokuVala iKhadi leMboleko
Kulungile ukuvala ikhadi lekhredithi elitsha ongeke ulisebenzise xa nje ikhadi lingenayo ibhalansi kwaye unamanye amakhadi esikweletu. Okanye, unokuvala ikhadi lekhredithi ngokukhawuleza liphakamisa inzala yakho okanye inomrhumo wonyaka. Umniki wekhadi lakho lekhredithi mhlawumbi uya kuvala ikhadi lekhredithi xa uthe wagqiba ukugatya la magama amaphepha ekharityhulam amatsha.
Ekugqibeleni, kwiimeko zobusela kunye neemeko zobuqhetseba , ababolekisi bakho baya kukucebisa ukuba uvale ikhadi lesikweletu ukuze ugcine isela lingenzi amashishini enkohliso.
Vala Ikhadi lakho leKhadi ngendlela efanelekileyo
Njalo uvale ikhadi lekhredithi ngokuthumela isaziso esibhaliweyo kumkhupheli wekhadi . Ungabiza kuqala ukukhansela i-akhawunti yakho, kodwa rhoqo ulandelelana neleta eqinisekisa umnqweno wokuba ikhadi lekhredithi livaliwe. Unokuqinisekisa ukuba ikhadi lekhredithi libikwe ngokuthi "Valiwe" kwingxelo yakho yekhredithi. Akuyi kuba yenzakalisa inqaku lakho lekhredithi ukuba ikhadi lekhredithi liyaqhubeka libikwe "Vula," kodwa ukukhangela kabini kuya kuqinisekisa ukuba ikhadi lakho livaliwe.
Kufuneka ube nje ngokukhetha malunga namakhadi wesikweletu ovalayo njengabo ovulekileyo. Ngaphambi kokuba uthathe ifowuni ukuze uqaphele umboleki wakho ukuba ufuna ukuvala i-akhawunti yakho, qiniseka ukuba ayiyi kuphazamisa amanqaku akho ekhredithi ngendlela engafanelekanga .