Okanye mhlawumbi ungumthengi oya kuqonda ixabiso lekhredithi kwaye akakwazi ukulinda ukuqala ukwakha kwakhona.
Nangona kuyiyo inyaniso ukuba umntu ongenayo imali angakwazi ukuhlala kwirekhodi yakho yesikweleti ukuya kwiminyaka eyi-10, yiyiphi ininzi abantu abangayiqapheliyo ukuba kungekudala uza kubuyela kwimarike yemarike emva kokufumana ukukhutshwa kwakho. Ezinye iibhanki kunye nabaniki bamakhadi banomdla kakhulu ukuboleka abantu abavela kwi-bankruptcy ukuba bathengise ngokuthe ngxakile kubo ngelixa besesigxina. Akuqhelekanga ukuba abantu bathole izibonelelo zemali-mboleko kwiikhampani zekhadi lesikweletu, abahwebi bemoto yendawo, kunye neevenkile ezithengisa impahla yendlu.
Kodwa, awuyi kuwela kuyo yonke isiphumo ezayo indlela yakho, kunjalo? Abanye bafanelekile ukuphanda, kodwa abanye bahlambulukile, imigomo yabo imbi kakhulu.
Kutheni ababolekisi benqwenela ukubolekisa ababoleki
Kubonakala kungenakuphikisa ukuba ibhanki okanye omnye umboleki-mali uya kukulungela, ukunyamekela kakhulu, ukunikezela ngetyala kumntu owenza nje ukuba abaqhubi babo baphuphe amawaka okanye amawaka eedola.
Kodwa kukho izizathu ezizwakalayo kunye nezizathu ezifanelekileyo.
- Umboleki wathatha amawaka eedola kwiitaliti, ekhulula izixhobo (ie ingeniso) engayisebenzisela ukuhlawula ityala elitsha.
- Umboleki akakwazi ukufakela elinye i-bankruptcy ixesha elithile. Ngokomzekelo, ukuba ufumene ukukhutshwa kwimeko yeSahluko 7, awukwazi ukufumana esinye isahluko 7 sokukhutshwa iminyaka eyisibhozo.
- Umboleki-mali angakhokhela inzala ephezulu kuba umboleki ukhuthazwa.
Ukukhuseleka kunye neeKhadi eziKhuseleko zeNkxaso
Uninzi lwekhadi lesikweletu oza kuluqwalasela liya kuba linye yeentlobo ezimbini, ezikhuselekile okanye ezingakhuselekanga.
- Ikhadi leMatyala eliKhuselekileyo
Xa uvula ikhadi lokuthenga ngetyala, umboleki okanye umnikezeli uya kufuna ukuba ubeke isamba semali kwi-akhawunti yokugcina imali kunye neziko. Isixa osibekayo ngokuqhelekileyo silingana nomda wokuboleka imali esiya kuvumela i-akhawunti. Idiphozithi yenza njengokhuseleko lomboleki. Ukuba ungagqibekanga kwixesha elizayo, umboleki-mali akayi kuba nayiphi na imali kuba kufuneka kuphela ukuba imali ivela kwi-akhawunti ye-deposit ukuhlawula okanye ukuhlawula ibhalansi yemali.
Ngaphandle kokuba isetyenziswe ukuhlawula ibhalansi yakho, imali kwi-akhawunti yokulondoloza iselawe. Emva kobude bexesha-mali, iinkampani ezininzi ziya kukuvumela ukuba uguqulwe ikhadi elikhuselekile kwikhadi elingakhuselekanga elinomlinganiselo ophezulu wesikweletu.
Ikhadi lekhredithi elikhuseleyo kaninzi linomyinge onomtsalane ongaphantsi kunayo nayiphi na i-akhawunti engakhuselekanga ongayifanelekela emva kokutsalwa kwebhanki.
- Ikhadi leKhadi elingaphephile
Lo ngumgangatho weshishini. Akukhuselekanga, oku kuthetha ukuba awuyikubakho nokhuseleko okanye ityala (ie idiphozithi). Ukuba ungekho phantsi kweentlawulo zakho, inkampani yekhadi lesikweletu ayinanto yokufaka isicelo ngokubhekiselele kwibhalansi yakho.
Ngenxa yoko, baya kukulandela emva kwakho.
Izinto zokuKhangisisa
Kuzo zonke iimeko, qaphela izinto ezimbini ezibalulekileyo:
Inzala . Ukuphuma ngaphandle kwesango, unokufumana lula i-akhawunti enexabiso lentengo ye-20 ekhulwini okanye ngaphezulu.
Imali . Abakhupheli bekhadi baya kuthi bahlawule imali yokubamba iqhaza kwinkqubo yabo, kodwa baninzi ababonelela ngetyala emva kokuhlawulwa kwebhanki ngaphezulu. Khangela iireferensi kungekhona kuphela kwimali yonyaka kodwa
- Ukumisela umrhumo
- Intlawulo yokuThengiswa
- Imali yolawulo
- Imali yo sicelo
Akuqhelekanga kumnini-akhawunti omtsha ukuba anikwe i-akhawunti eneemali ezingamadola angama-300, kodwa uhlaselwe nge $ 150 kwiimali xa umfaki wesicelo sakhe samkelwe. Ukuba i-akhawunti iya kuba luncedo kuwo onke, kufuneka ihlawule loo ntlawulo ngokukhawuleza, kodwa ukuba ingenayo, iya kubhatala ngaphezulu kwiintlawulo zenzalo.
Naliphi na indlela, umnini-mboleko unqoba.
Izipho Zokuqwalasela
Nazi ezinye iikhadi ezitholayo ngokubanzi ukuhlaziywa okulungileyo. Ngamnye angafuneki ukukhangela ikhredithi okanye umnini-mboleko uya kuqwalaselwa ngetyala elibi okanye ukutshatyalaliswa kwangoko.
Amakhadi Akhuselekileyo
I-Wells i-Wellgo Ikhadi leKretari eliKhuselekileyo
- Intlawulo yonyaka: i-$ 25
- APR: 20.24 ekhulwini
- Umda / idiphozi: i-$ 300 izakufumana umda wesikweletu se-$ 300
- Iipenki: Ukuncediswa kwendlela kunye nokukhuselwa komonakalo wefowuni.
Inkunzi eyodwa MasterCard ekhuselekile
- Imali yonyaka: Akukho
- APR: 24.99 iphesenti
- Umda / idiphozi: i-$ 49 ukuya kwii-200 zamaxhomekeke kuxhomekeke kwi-creditworthiness
- Iiposki: Idiphozi yokukhuseleko ingaba ngaphantsi komda weekhredithi, kwaye ungayihlawula kwizitofu; ncedeni lendlela; inshorensi yokuqasha imoto.
Iprogram yokuqala yoPlatinum Prestige MasterCard Ikhadi lokuTyala eliKhuselekileyo
- Imali yonyaka: $ 44
- APR: 11.99 ekhulwini
- Umlinganiselo / idiphozi: 200 ukuya kuma-2,000
- Iipenki: Ixabiso lentlawulo engaphantsi konyaka kuninzi.
Iikhodi ezingakhuselekanga
I-One Bank yasePlatinum Visa
- Intlawulo yonyaka: $ 0 ukuya kwi-75
- APR: 16.99 iphesenti ukuya kuma-24.99 ekhulwini
- Umda: Umda wokuqala uya kuba ngu-300 ukuya kwi-500 kwii-dependence
- Iipenki: i-1 pesenti ibuyele ngokuthengwa kwegesi.
IGoldestone GoldCard
- Intlawulo yonyaka: i-$ 35 ukuya kwi-99
- APR: 23.90 pesenti
- Umlinganiselo: $ 300
- Iipenki: Khetha i-card yakho yesiqhelo.