Kutheni uxoxisana noMsebenzi
Ngamanye amaxesha uxoxisana nomboleki wakho uyona khetho olufanelekileyo kubo bonke abantu.
Ngokombono wakho, kukunika isisombululo kwingxaki yakho yokungabi nemali eyaneleyo yokubuyiselwa kwemboleko yakho. Ukuba awuyi kuhlawula, imiphumo iyinyani: izikolo zakho zekhredithi zingawa, kwaye uya kuhlangabezana neentlawulo ezongezelelweyo kunye neengxaki ezisemthethweni . Eyona ndlela elandelayo efanelekileyo ingase ibe yinkomfa, leyo yinkqubo ebiza kakhulu kwaye enzima (kunye nayo iya kuchaphazela i-credit yakho ubuncinane iminyaka engama-7, kwaye usenokuba netyala xa kukho nayiphi na ilahleko ).
Ukuba awukwazi ukuhlawula iimali-mboleko okanye ufumane isisombululo, ungalahlekelwa nayiphi na into enokusetyenziswa ngayo kwimboleko . Ngokomzekelo, ukuba uboleke ukuthenga indlu, ubhekane nobungozi bokungena kwemali , kwaye nayiphi na imali ebolekileyo yokuboleka imali ingakhokelela ekubuyiseleni (okwenza kube nzima ukuya emsebenzini kwaye uqhubeke nokufumana ubomi).
Ukususela kumbono wakho wokubolekisa, ukuhlaliswa kwezinto ezinokuthi kunokuba nakho kukhangele. Ukuba uvakalisa i-bankruptcy, iingozi zakho zokuboleka zilahlekelwa ngakumbi.
Kwakhona kubiza kunye nokuchitha ixesha kubabolekisi ukuba bathathe i-collateral yakho, kwaye loo nto ayiyiyo ishishini labo eliphambili-bafuna ukufumana imali kuwe.
Iintlobo zokuSebenza
Akukho sisombululo esisodwa kwiingxaki zakho zamatyala. Kubalulekile ukujonga kwiimali zakho kwaye uqonde oko unokukwazi ukukufumana.
Emva koko, yinto yokuxoxisana nomboleki kunye nokuthatha isigqibo malunga nokuba kunokwenzeka ntoni. Izisombululo ezimbalwa ezinokuthi ziquka:
- U-APR ophantsi: ukunciphisa ipesenti yepesenti yonyaka (APR) ngemali mboleko yakho ingaba unayo imali ehlawulwa kakhulu. Iintlawulo zakho zenyanga zisekelwe kwiziphumo eziliqela , kwaye inzala yenzalo yenye yawo. Isilinganiso esezantsi-nokuba ngaba sisesigxina - kuthetha ukuba uza kuhlawula ubuncinane inyanga nganye, enokukunceda ukuba ubanjwe.
- Ukunyamezela: kusenokuba nako ukunqumla (okanye ukunciphisa) ezimbalwa iintlawulo zakho zenyanga. Le nto inokusebenza "njengentaba" ekunceda ukuba ubanjwe. Uya kufuneka wenze ezo ntlawulo kamva, kwaye unokugqiba ukuhlawula ngaphezulu inzala, kodwa uya kufikelela ekuphumeni kwakho kwemali.
- Ixesha elide: ubude bembolekisi yakho ngumnye umqhubi wenyanga yakho yokuhlawula. Sekude ixesha elide, inkokhelo yakho ephantsi. Umzekelo, iimali-mboleko zeminyaka engama-30 zineentlawulo eziphantsi kwenyanga ngaphaya kweminyaka eyi-15 ubudala. Ukwandisa ixesha lomboleko wakho kuya kubangela ukuba uhlawule inzala emininzi kwimpilo yakho mboleko.
- Ishedyuli yokubuyisela enye: ngokusekelwe kolwazi lwakho kwimeko yakho, unokukwazi ukuza nezinye iindlela. Yonke inkokhelo yakho inokuyenza ithi "hayi," ngoko ubenze ubuchule uze ucele.
Xa Ucela Uncedo
Qhagamshelana nomboleki wakho ngokukhawuleza ukuba uyazi ukuba awuyi kukwazi ukwenza iintlawulo zakho. Ngokukhawuleza ufikelele, ukhetho oluninzi oluya kuba nalo. Abanye baya kukuxelela ukuba kufuneka uyeke ukwenza iintlawulo uze uthethe nomboleki wakho (kuba unokuthi unomdla), kodwa isicwangciso sisengozini.
Cinga ngolu hlobo: ukuba unqumle ukuhlawula iintlawulo, awusekho ukhetho lokuyeka ukwenza iintlawulo - ngoko uzama ukufumana isisombululo ngaphambi kokufika kuloo ndawo. Ukuba umboleko wakho sele usulelekanga, unokuzama ukuxoxisana. Kodwa unokulahlekelwa zikhetho ezithile ukuba awukho phantsi.
Iziphumo zokumisela amatyala akho
Naluphina uhlawulelo oya kufumana luya kuthintela i-credit yakho. Awuyi kubuyiselwa kwemboleko yakho ngexesha, njengoko kuvunyelweneyo, kwaye iingxelo zakho zekredithi ziza kubonisa loo nto.
Nangona kunjalo, usenokukwazi ukuxoxisana nendlela umboleko obikwe ngayo kwiingxelo zakho zeentengo zemali, kwaye unokufumanisa ukuba ukulungiswa kwemali kungcono kunokugqithisa. Kukho nokuba nemiphumo yerhafu xa umboleki wakho ekuvumela ukuba ukhokhe imali encinane kunokuba unetyala. Ukuba ufumana ifomu 1099 yokuxolelwa kwetyala lentlawulo, thetha nommeli wakho wengingqi okanye umcebisi weerhafu.
DIY okanye Hire
Kukho iinkampani ezininzi apho zithembisa ukukunceda ngeengxaki zakho zamatyala. Basenokufuna ukuba wenze iintlawulo kubo kubabolekisi bakho, okanye banokuthi bathethe nje egameni lakho.
Qaphela ukuba ishishini lokuhlawula amatyala lizele iingxaki. Ezinye iinkampani zixhoba abathengi abasemngciphekweni abaye baphumelela kweendlela, kwaye baphelisa ukwenza okubi ngaphezu kokulungileyo. Azikho zonke iinkampani eziphosakeleyo, kodwa zininzi zazo.
Ukuba kunokwenzeka, zama uxoxisane nababoleki bakho kuqala. Uya kufunda ezininzi, kwaye ungasindisa imali eninzi. Yilungele ukuthetha kunye neenkonzo zesevisi zamakhasimende, uchaze imeko yakho yemali (kwaye uqinisekise ukuba awukwazi ukwenza iintlawulo zakho), kwaye uzalise iifom ezininzi. Inkqubo ayinzima kakhulu, kodwa kuthatha ixesha kunye nomonde.
Ukuba ufikelela kwisivumelwano kunye nomboleki wakho, qi niseka ukuba ufumane yonke into ebhaliweyo, kwaye ugcine iikopi zazo zonke iinkcukacha. Xa usebenza nabani na - nokuba ngaba ngumbolekisi wakho, i-advisor counseling agency, okanye inkampani yokunceda amatyala-qaphele izithembiso kunye neziqinisekiso ezigqithisileyo. Ukuba kuyandivakala kakhulu ukuba yinyani, ngokuqinisekileyo kuya kuba ngokuqinisekileyo .