Ingaba usaqinisekanga ukuba iintlawulo zakho zekhadi zekredithi zisebenza njani? Ukukwazi izinto ezithile kunokukunceda wenze izigqibo ezintle kwaye ulawule ityala lakho: indlela inkokhelo ibalwa ngayo, nendlela intlawulo nganye eya ngayo ekunciphiseni ityala lakho (okanye cha).
Iikhowudi zekhadi zekhredithi ze-Intanethi zibonelela ngamanani amancedo, kodwa awanakunceda ukuba uqonde ukuba amanani asebenza njani. Mhlawumbi ucinga ukubeka intengo enkulu kwikhadi lakho lekhredithi, okanye ulungelelanise isicwangciso soxanduva lwetyala. Ngandlela-thile, uya kuba ngumthengi onobulumko xa uhamba emva kwamanani.
Ngethamsanqa, inkqubo yokubala iintlawulo zakho (kunye neendleko) ngesandla asikho nzima. Ukuba unakho ukukhumbula indlela yokuphindaphinda-okanye ufumane i-calculator ukwenzela wena-uya kuba nakho konke okukufunayo.
01 Inkokhelo encinci
Qala ngokuqulunqa intlawulo encinci efunekayo yinkampani yakho yekhadi lesikweletu. Oku kubalwe ngokubanzi kusekelwe kwibhalansi yakho.
Umzekelo: umnikeli wakho wekhadi ufuna ukuba uhlawule i-3% yemali ehlawulwayo. Unetyala lika-7,000 kwikhadi lakho lesikweletu. Intlawulo encinci ngu-3% wee-7,000 zamaRandi, eyi-$ 210. Ukufumana le mpendulo, phinda i-$ 7,000 nge -03 (efana ne-3% - funda ngakumbi malunga nokuguqula iipesenteji kunye neziqu ).
Intlawulo yakho encinci imiselwe ngumnikeli wakho wekhadi, ngoko kuya kufuneka ukhangele iimfuno ezithile kwiakhawunti yakho. Ufuna ukufunda ngaphezulu? Bona indlela yokufumana intlawulo yakho encinci kunye neendlela eziqhelekileyo zokubala.
02 Okokuqala, umdla
Xa wenza inkokhelo, i-100% yaloo mali ayifuni kwi-ityala lakho. Ngamanye amazwi, ibhalansi yakho ayiyi kuhla i-$ 100 ukuba wenza imali eyi-100 yenkokhelo (ngaphandle kokuba unayo inzuzo ye-0%). Endaweni yoko, ikhamphani yekhadi iya kuthatha umdla wabo wokuqala.
Ukufumana ukuba uhamba kangakanani kumdla, uya kwenza enye ukubala (ungakhathazeki, kulula kakhulu-kodwa kukho amanyathelo ambalwa athathweyo):
- Fumana izinga lakho lomdla olihlawula kwikhadi lakho (u-12% we-APR, umzekelo)
- Ukuguqula ireyithi yonyaka kwinqanaba leenyanga ngokuhlula ngo-12 (kuba kukho iinyanga ezili-12 ngonyaka - ngoko uza kuhlawula i-1% ngenyanga)
- Yandisa inani leenyanga ngokulinganisela kwakho (1% amaxesha 7,000)
- Impendulo yimalini ochitha ngayo inzala ($ 70 kule mzekelo)
03 Emva koko iNqununu
Emva kokuhlawula umdla, intsalela yentlawulo yakho iya kwinqanaba lakho (eyaziwa nangokuthi "inqununu" inxalenye yemboleko yakho). Ngoko uza kususa iindleko zenzalo kwiintlawulo zakho zonke ukufumana ukuba inqununu oyihlawulayo nayiphi na inyanga.
Ngokomzekelo wethu, intlawulo yakho yi-$ 210 kwaye iintlawulo zenzalo zifikelela kuma-70. Ukukhupha: 210 - 70 = = 140, ngoko uya kuhlawula imali eyi-140 yemboleko yakho kule nyanga. Oku kuzisa ibhalansi yakho mboleko ukuya kwi $ 6,860 ngenyanga ezayo.
Njengoko usenokuqiqa, uya kuyidinga loo nombolo ukubala intlawulo yenyanga ezayo. Ukuba ukwenza oko konke ngesandla, inkqubo ichitha ixesha, kodwa kukho iindlela zokukhawulezisa inkqubo.
Qaphela ukuba ukuba uhlawula ngaphezu kweyona ntlawulo encinci, ehlala ihamba ngokuhlakanipha, uya kuhlawula ngokukhawuleza imali yakho yemali mboleko. Isixa esiya kumdla kule nyanga sigxininiswe - akukho nto ongayenza malunga nale ndawo. Kodwa unokukhawulezisa ukuhlawulwa kwetyala lakho kwaye uchithe imali encinane kwinzala ezayo ngenyanga ngokuhlawula ngaphezu kokuncinci.
04 Iinyanga ezininzi, ezininzi Iinkalo
Ubone indlela yokubala iintlawulo zentlawulo kunye nenzala yenyanga enye (kwaye uqalise ngenyanga ezayo), kodwa unokubala njani ixesha elide?
Ukubona inkqubo yonke yokuhlawula ityala lakho, kulula ukuyisebenzisa ispredishithi okanye itafile eyakhelwe ngesandla (ngaphandle kokuba usebenzisa i-calculator ye-intanethi-engayi kukuvumela ukuba wenze ngokwezifiso). Le ngcamango ifana ngokufana nokwenza itheyibhile yokwenza imali yekhaya okanye mboleko yemoto: umqolo ngamnye umele intlawulo enye.
Kungathatha isamba esincinci se-spreadsheet wizard, kodwa akuwona umsebenzi onzima kakhulu, kwaye uya kuba nekhono elixabisekileyo. Ngomqolo ngamnye omtsha, jonga emva kwesikali semalimboleko ekupheleni kwenyanga edlulileyo (kumqolo ongentla). Ukufumana isampuli yendlela i-spreadsheet yakho ibonakala ngayo, yehla ukuya kumfanekiso wokugqibela wale khokelo.
05 Ukutshintsha kwiSihloko
Umzekelo:
- Ukuba ikhadi lakho linomrhumo wonyaka, yongeza nje loo ntlawulo kwi- balance balance yakho xa imali ityala
- Ukuba inani lakho lesenzalo liya kutshintsha ngexesha elizayo, gcina loo nto ingqondweni njengoko uqhuba amanani kwaye ulungele ukubala
- Ukuba unqumla ukuhlawula intlawulo (oko akufanele uyenze) kwieholide, yenza intlawulo yenyanga leyo ibe yinto