Ngaba uya kuvula i-akhawunti entsha?
Qaphela ukuba ukuvula i-akhawunti entsha inokuchaphazela amanqaku akho okuthenga ngetyala-ngokuqala ngokufaka uphando olongezelelweyo kwingxelo yakho yekhredithi kunye nesibini ngokunciphisa umyinge wakho weminyaka.
I-akhawunti entsha kufuneka ibe nomda ophezulu wekhredithi ukuze ukwazi ukudlulisela ibhalansi yakho. Akukho siqinisekiso sokuthi uya kuvunywa okanye ukuba umda wakho wekredithi uya kukwanela. Uza kufuneka ulinde uze ubone emva kokuba wenze isicelo.
Ngaba ufanelekile ukufumana izinga lokunyusa?
Isiphakamiso esandulelayo sokusasazwa kwezinga lokungeniswa kwebhanki engenayo asithethi ukuba ufanelekile ukufumana loo nqanaba. Ngokuqhelekileyo kufuneka ube nekhredithi ephezulu kakhulu ekufumaneni ixabiso lokutshintshela imali. Musa ukwenza nayiphi na ingqiqo. Hlola nomkhupheli wekhadi ukufumanisa oko kufuneka ukwenze ukuze ufumane umlinganiselo wezinga eliphezulu.
Ukunikezelwa kokuphromotha kukuphela nini?
Nayiphi na inzala yentengiso kufuneka igcine iibhuthi ezili-6, kodwa ezinye iirhafu zokunyusa zihlala zide zangeenyanga ezili-18. Ngaphambi kokuba uhambise ibhalansi yakho, qiniseka ukuba uyazi ukuba izinga lokunyusa liya kuphelisa ukuze ungamangaliswa xa isantya esitsha sisebenza.
Uza kuba yiyiphi inzala yentengiso?
Xa isantya senzala siphelelwa yisikhathi, isantya semali yokutshintshiselwa kwemali yexesha eliqhelekileyo isenokungena kwi-0% ukuya kwi-22.99%, umzekelo, kuxhomekeke kwibhalansi yekharityhulam yakho.
Ukuba awuzange uhlawule imali yokutshintshela ibhalansi yakho, iintlawulo zakho zenyanga zemali ziza kunyuka kwaye zize zibe ziphakamileyo kunokuba zingaphambi kokuba udlulisele imali. Zama ukuhlawula imali eninzi ngangokunokwenzeka ngaphambi kokuba iqondo lokunyusa liphele.
Kuya kuthatha ixesha elingakanani ukuhlawula imali?
Ingaba unesicwangciso sokuhlawula imali yakho yokudlulisela imali?
Okanye ngaba uhamba nje ngomlinganiselo ngenxa yokuba ufuna ukufumana inzala engaphantsi kweenyanga ezimbalwa? Ukutshintshela ibhalansi yekhadi lesikweletu kulunge xa unokuhlawula ibhalansi kwixesha lokuphromotha. Ukuba awukwazi ukuyihlawula ngokukhawuleza, zama ukuyihlawula ngokukhawuleza emva kokuba ixesha lokuphromotha liphela. Kuthatha ixesha elide ukuhlawula imali yokutshintshela ibhalansi yakho, ngakumbi uya kuhlawula inzala yentlawulo.
Ngaba ukutshintshiselwa kwebhanki kuyakusindisa imali?
Ungacingi ukuba isantya senzala esezantsi sithetha ukuba uza kusindisa imali ngokubanzi. Kufuneka uhlawule imali yokudlulisela imali kunye naliphi na umrhumo wonyaka ohlawulwe ngekhadi lakho elitsha lekhredithi. I-calculator yokutshintshela ibhalansi inokukunceda ukuba ubone ukuba ngaba uyakusindisa imali ngokudlulisela ibhalansi yekhadi lakho lesikweletu.
Ingaba ikhadi elitsha lekhredithi sele linokulinganisela?
Ukuba utshintshela kwikhadi le-credit card elisele linokulinganisela, kunokukuthatha ixesha elide ukuhlawula imali yokutshintshela imali. Ngenxa yemigaqo yokunikezelwa kwekhadi lokuthenga ngetyala, inkokhelo encinci iya kusebenza kwibhalansi kunye ne-balance balance interest rate, oko kukuthi ukutshintshela ibhalansi yakho, ngelixa into engaphantsi kweyona nto iya ngaphantsi iya kufakwa kwii-balance balance rates.
Iindaba ezilungileyo kukuba ukutshintsheliswa kwamanqanaba akho akuyi kuba nomdla xa unesilinganiso sokuqala se-0%. Iindaba ezimbi kukuba awufumani ithuba lokuzihlawula ngaphambi kokuba ixesha lokuphromotha liphela ukuba awukwazi ukuhlawula kuqala ibhalansi ekhoyo.
Ukusetyenziswa kwakho kwetyala kuya kuphakama kangakanani emva kokudluliselwa?
Ukusetyenziswa kwakho kwetyala kukuchaphazela i- 30% yemali yekredithi. Ukuba ukutshintsheliswa kwebhanki kuya kubangela ukulinganisela kwekhadi lesikweletu elingaphezu kwe-30% yomda wakho wekhredithi, umlinganiselo wakho wesikolodo ungathatha. Ngaphambi kokuba uhambise ibhalansi yakho yekhadi lesikweletu, khangela ukuba uqinisekise ukuba amanqaku akho ekhredithi ayayi kuhlaselwa. Ngethamsanqa, ukusetyenziswa kwekhredithi ephezulu kuya kuncipha njengoko uhlawula ibhalansi yakho yekhadi lesikweletu.