Qala ukuKwakha umlando wakho weMali
Uza kufuna umlando weebhanki ngokukhawuleza xa uphume kwii-akhawunti zangempela zokuvula kwigama lakho. Ukwakha umlando weebhanki omhle ngaphambi kokuyidinga ngokwenene kuya kwenza ubomi kube lula. Nantsi indlela yokuqalisa .
Amanyathelo okuSebenza wokwakha iNgxowa-mali
Inyathelo 1: Yenza umsebenzi . Isimo sakho sengqesho asichaphazeli ngqo ngetyala lakho; ayikho enye yezinto ezi-5 eziphambili ezichaphazela amanqaku akho ekhredithi . Nangona kunjalo, ukufumana ingeniso engqongqo kuyimfuneko ebalulekileyo kwisakhiwo sokwakha imali-mboleko.
Inyathelo 2: Ukuboleka imali ngokuthatha imali mboleko okanye ukuvula ikhadi lekhredithi. Emva kokuba unomsebenzi kwaye uneminyaka eyi-18, unokufaka isicelo sekhadi lesikweletu okanye umboleko. Ukuseka i-akhawunti yokuqala ye-credit kungabi nzima, kodwa kukho iindlela ezinokuzama kunye nezinyaniso ezifana namakhadi ekratshi, kunye nekhadi lekhredithi elidibeneyo. Ibhanki yakho okanye umanyano weentengo zemali unokukulungela ukunika mboleko encinci yemboleko okanye umbolekisi wezitaliti, ngakumbi xa ukhuselwe ngxelo yokugcina imali.
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- Indlela yokufumana iKhadi leMboleko ngaphandle kweNkcazo yeMali
- Indlela yokufaneleka kwiKhadi leMatyala
Inyathelo 3: Bhatala uze ulinde. Emva kokuba unayo i-akhawunti egameni lakho kwaye usebenzisa i-akhawunti ngokuhlakanipha, ikhredithi yakho iqala ukwakha njengoko umboleki wakho ebika ingxelo yakho ye-akhawunti kumnye okanye kuzo zonke iindawo ezinkulu zeentengo zemboleko .
Ingxelo yokuthenga ngetyala yenyanga yakha ingxelo yakho yebhanki, amabhishinari asetyenziswayo xa sele anquma ukuba ingaba nokwandisa isikweletu kuwe. Emva kokuba iakhawunti yakho isebenze iinyanga ezintandathu, umlinganiselo weFICO unokuveliswa ngokusekelwe kwingxelo yakho yekhredithi. Amanqaku akho angase aphantsi kuba uqala nje, kodwa kungcono kunanto. Yiba nomonde kuba amanqaku akho ekhredithi akhiwa.
Imbali yakho yematyala iya kuba namandla njengoko iakhawunti yakho ikhula kwaye njengoko uvula ii-akhawunti ezininzi. Indlela ojongana ngayo nee-akhawunti iza kugqiba ukuba unokwakha umlando weebhanki.
Ukwakha Umlando Wemali Yentengo
Ukulandela imithetho emibini ebalulekileyo kukunceda wakhe umlando weebhanki. Okokuqala, hlawula iibhokhwe zakho ngexesha nganye nyanga, nakwazo ezingabhalwanga kwingxelo yakho yekhredithi. Esinye sezizathu zokuba umsebenzi unomsebenzi wokwakha isikweletu. Ngaphandle kwemali engenayo, awukho indlela eqinisekisiwe yokwenza iintlawulo zakho ngenyanga. Iintlawulo ezingabikho ziza kukulimaza iinzame zakho zokwakha iitaliti kwaye zikhokelela kumanqaku amabi.
Okwesibini, ukuboleka kuphela into onokuyibuyisela yona. Ukuba uthabatha ngaphezu kokusingatha, unokuba nobunzima bokuhlawula iintlawulo kwaye xa uswele emva, unokutshabalalisa imbali yakho yematyala.
Oko unokukwazi ukuhlawula ngoku kuxhomekeke kwingeniso yakho kunye neendleko zakho. Abantu abenza imali ethe xaxa kwaye bahlala ngaphantsi kweendlela zabo banako ukuboleka ngaphezulu. Ngakolunye uhlangothi, ukuba unomvuzo ophantsi kunye nemali encinci eseleyo emva kokuba iindleko zihlawulwe, ngoko awukwazi ukuboleka ubuninzi.
Ukwakha umlando weebredari akunzima ukwenza. Kufuna ukuba uboleke imali kwi-shishini elihlala libika kwiingxowa-mali zemali-mboleko. Ziqhelise ukuboleka ngokuzibophezelayo ukwakha imbali yamatyala enhle kwaye awunakuze ube neengxaki zemboleko.