Ixabiso lokubaluleka lizinga lentengo kwiibhanki ezihlawulwa kubaxhasi babo abathengi kakhulu. Ukufumana umyinge wokubaluleka kwemali mboleko, kufuneka ube nomlinganiselo ophezulu kakhulu wekhredithi.
Intlawulo ye-prime ye-US yinqanaba le-prime rate likazwelonke njengoko lishicilelwe yi-Wall Street Journal, elibalwe ngokusekelwe kwiirhafu zokuqala ezivela kwiibhanki ezinkulu zelizwe. Ireyithi ye-prime yase-US isoloko i-3% ephezulu kunezinga lemali ye-federal kwaye iyafumaneka kwiwebhusayithi ye-Wall Street Journal.
Indlela I-Prime Rate ichaphazela ngayo iKharity Card Rate yakho
Amanqaku amaninzi eekredithi ayinqanaba lokutshintsha inzala kwizinga eliphezulu. Intlawulo yesantya eguquguqukayo yitshintsho esekelwe kwelinye inzala.
Ngokomzekelo, i-APR kwikhadi lekhredithi ingaba lizinga eliphambili kunye ne-13%. Intlawulo yemali yakho yerhafu yokukhishwa kwekhadi lekhredithi ngaphezulu kwereyithi yokuqala iyaziwa ngokuba "isasazeka." Ngokomzekelo wethu, "ukusasazeka" ngu-13%. Ukuba ireyithi yokuqala yi-3.25%, i-APR okwangoku kwikhadi lezinga lokuguquguquka iya kuba ngu-16.25%. Oko kuthetha ukuba izinga lokubaluleka liphezulu linempembelelo ngqo, kodwa ngokuncinci, impembelelo zezimali ozihlawula kwikhadi lakho lekhredithi xa uqhuba ibhalansi. Ukuphakama kwezinga lokubaluleka, ngakumbi uya kuhlawula ukuguqula ibhalansi yekhadi lesikweletu. Unokuphepha ukuhlawula nayiphi na inzala ngawo ngokuhlawula ibhalansi yakho yekhadi lekhredithi ngokupheleleyo ngenyanga.
Ukuba ikhadi lakho lesikwerethi linomlinganiselo wentlalo ochaphazelekayo ngokusekelwe kwisilinganiso sokuqala, inqanaba lakho lesikweletu lesikweletu liya kulandela ukuhamba kwezinga lokuqala.
Ukuba izinga lokubaluleka liyakhuphuka, unokulindela ukuba inqanaba lakho lesikweletu somyinge wekrediti liza kunyuka. Ngakolunye uhlangothi, ukuba izinga lokubaluleka liyehla, isantya sekhadi lakho lesikweletu kufuneka lihle.
Abaniki bamakhadi abakhredithi akufuneki banikezele isaziso semali yokutshintshwa kwenani lomlinganiselo ukuba ngaba unomyinge wenzala eguqukileyo.
Uyakwazi ukubukela utshintsho oluthile kumyinge wakho wenzalo ngokuqwalasela iindaba ezimalunga nomyinge wesantya (ukutshintsha kwezinga lomyinge kwiindaba eziphambili) okanye ngokujonga iirhafu ezipapashwe kwiWall Street Journal. Inqanaba lakho lesenzalo lishicilelwe kwisitatimende sakho sekhadi lesikweletu. Gcina ingxelo yakho ngokukhawuleza ukuba ubambe nayiphi na utshintsho kwizinga lakho lentengo ngenxa yokutshintsha kwezinga eliphambili.
Kuthiwani ukuba iNtloko yeNqununu ikhula?
Xa ixabiso lokuqala liyakhula ukwenzela ukuba inzala yakho inomdla. Ukunciphisa impembelelo yentlawulo ephakamileyo yemali, unokuhlawula ngokukhawuleza imali yakho. Ukutshintshela ibhalansi yakho kwikhadi lesikweletu ngezinga elingu-0% lentetho enye inketho. Ekugqibeleni, ukuba uye wagcina ikhadi lakho ngokuma kakuhle kwaye unomlinganiselo omhle wokuthenga ngetyala, umniki-khadi wakho wekhredithi unokulungela ukunciphisa umlinganiselo wakho wenzala xa ubuza kakuhle.
Ingaba iKhadi lakho leKhadi liSebenzise iNqanaba eliPhambili?
Icandelo lesivumelwano sakho sekhadi lesikweletu esithi "Indlela esiyibala ngayo kunye nokuchonga iiRhafu" iya kukuxelela indlela umnikeli wakho wekhadi lokuthenga ngetyala (credit card) obeka isantya sakho kunye nokuba izinga lakho lekhadi lokuthenga ngetyala liyakutshintsha njani ukuba izinga lokuqala lilungiswe. Ukuba izinga lakho lesikweletu sekhadi lesikweletu li sekelwe kwizinga eliphambili, uza kubona icandelo ngolwimi olunjenge-"APRs iya kuhluka kunye nemarike esekelwe kwi-Prime Rate."