Ngamanye amaxesha, ababolekisi banika ithuba lokunyusa umda wakho wemali kwi-blue. Unokucinga ukuba ngumgibe (kutheni ungazifuni umda ophezulu?) Kodwa kwiimeko ezininzi, akukho nto yokubamba. Ngokukodwa xa unetyala elihle kwaye uhlala uhlawula ngexesha, oku kungaba ngumnikelo wokuba uyamkele.
Ukunyuka kweMali-mboleko kunokuncedisa izikolo zeNgxowa-mali
Ukuba umboleki-mali unikezela ukwandisa umda wakho wesikweletu, ngumqondiso omhle. Umboleki uthetha umngcipheko ngokunikela nayiphi na ityala, kwaye ngoku bazimisele ukuthatha ingozi. Ngexesha leengxaki zemali, izinto zahamba ngenye indlela: ababolekisi babetyala imingeni yemali kunye nokuvala ii-akhawunti xa besaba ukuba ababolekayo abanako ukuhlawula imali mboleko.
Kutheni kulungile ukufumana umda ophezulu? Oku kungakhokelela ekrejini engcono. Amanqaku akho ekhredithi asekelwe, ngokuyinxalenye, malunga nokuba uninzi lwekhredithi yakho ekhoyo . Ukungaphantsi kokusebenzisa, bhetele ubheka kwiimodeli zokulinganisa ngekhredithi . Ukuba usebenzisa yonke i-credit yakho ekhoyo (eyaziwayo njengexutywe ngaphandle ) ababolekisi banenkxalabo yokuba uye wawa ngamaxesha anzima kwaye ungeke ukwazi ukugcina iintlawulo.
Umzekelo: thatha umda wakho weekhredithi ngu-$ 1,000 kwaye uhlawulise i $ 200. Usebenzisa i-20% yenkokhelo yakho ekhoyo ekhoyo ngenxa yokuba ulwahlulo-mali lwama-1,000 luyi-20 okanye i-20%.
Le yindawo enhle ukuba ibe kuyo; Ababolekisi bathanda ukukubona malunga ne-30% okanye ngaphantsi .
Umzekelo # 2: uthathe umlinganiselo wakho weerhafu uyi-$ 1,000 kwaye uchithe ama-dollar 800 ngenyanga nganye kwikhadi lakho lesikweletu ngaphambi kokuba uyihlawule ngokupheleleyo inyanga. Ingabonakala ukuba usebenzisa 80% ye-credit card yakho-nangona uhlawula yonke ibhalansi kwaye ungalokothi uhlawule nayiphi na inzala.
Ngokuxhomekeke ekubeni ngababolekisi babika ibhalansi yakho kwi- credit bureaus , oku kungabangela iingxaki.
Umrhumo okhululekileyo kunye ocacileyo?
Ngoku, nokuba ungayifumani okanye awufanele uwamkele isibonelelo kuxhomekeke kuhlobo lwesibonelelo . Ukuba umnini-mboleko wakho uya kukwandisa umda wakho wesikweletu ngaphandle kweempahla eziqhotyoshelweyo, qhubeka uye wamkela. Kodwa qiniseka ukuba isibonelelo senu sokuthatha. Ukuba ufuna ukuba "uvumeleke" okanye "ufaneleke," cinga kabini-kuba ngoko kubonakala ngathi ucela i-credit engaphezulu (engazange ibe yinjongo yakho). Kungcono ukuba uthetha into efana ne "uqinisekisiwe."
Ukuba awuqinisekanga, biza umnini-mboleko wakho (inkampani yekhadi lesikweletu, umzekelo) kwaye ubuze. Fumana ukuba baya kuhlolisisa ikhredithi yakho kwaye ukuba kufuneka yini na into malunga neholo lakho.
Kwakhona, ukunyuswa kweekhredithi "ezikhululekile" kuya kunceda kuphela izikolo zakho zemali. Akudingeki ukuba uchithe nayiphi na into ongayichithayo-cinga nje ngetyala elongezelelweyo elithembekileyo ongayisebenzisi. Isizathu esithile sokunqithisa ukuba sinokuthi ukuba ungeke uthembele ukuba ushiye eso sikweletu singenakunyulwa; ukuba uza kuchitha ngaphezulu (ngaphandle kokuyihlawula) ngenxa yokuba unako , xelela umboleki wakho ukushiya izinto ezifana.
Ukucela Ukwandiswa
Ukuba umboleki wakho akukuniki nje ukunyuswa komlinganiselo wesikweletu (ngaphambili kwamanye amagama, ukuba ufuna ukufaneleka), qhubeka uqaphele.
Isicwangciso sinokubuyisa nayiphi na ixesha xa ucela ukwandiswa: umda wakho wekhredithi unokwenyuka, okanye i-akhawunti yakho ingavalwa. Ababolekisi banqwenela ukuboleka abantu abangenayo imali-xa uswelekile, bavala izinto (okanye bahlawulise inzala ephezulu). Awufuni ukubeka ingqalelo kwiakhawunti yakho ukuba baya kufumana into abangayithandiyo.
Ngaphezu koko, inkqubo yokuphonononga i-akhawunti yakho inokwenzakalisa ngokwenene inkokhelo yakho-ubuncinane kwixesha elifutshane. Ikhamphani lakho lekhadi lekhredithi liya kwenza uphando ukukhangela i-credit yakho, kwaye uphando olunzima lwenza kube ngathi ufuna ukuthenga i-credit. Ukuba ufuna ukufumana mboleko enkulu njengekhaya okanye mboleko yemoto, imibuzo ingabangela iingxaki.
Konke okuthethiweyo, ngamanye amaxesha kunengqiqo ukucela ukunyuswa kwemida yemali-mboleko: izikolo zakho zekhredithi zidibanisa okwethutyana, kodwa ekugqibeleni izinto kufuneka ziphucule.
Ukuba uya kuhamba, ixesha elifanelekileyo lokucela ukwanda xa ungasidingi : cela xa ibhalansi yakho ye-akhawunti iphantsi okanye i-zero (emva kokuba wenze inkokhelo), xa uye unokufumana ingeniso engapheliyo emsebenzini wakho, kwaye xa uyazi ukuba ingxelo yakho yekhredithi ayinanto yezinto ezimbi.
Njengengxenye yesicelo sakho, unokufuna ukuchaza isizathu sokuba ufuna ukwanda. Indlela engcono yokuphendula akuthethi ukuba ukuhamba kwemali kunzima kwaye kufuneka uchithe ngaphezulu (mhlawumbi awuyi kuvunywa ngokufanelekileyo ukuba unzima). Kungcono ukuchazela ukuba uzama nje ukugcina i-credit card yakho isebenzise isiqingatha esiphantsi kwimali yakho yemali kunye nokuba awuyi kusebenzisa yonke imali ekhoyo. Oku kunengqiqo ngokupheleleyo, ngakumbi ukuba imali yakho yenyanga idla inxalenye enkulu yemingcele yakho yesikweletu (kwakhona, yenza ingqiqo enkulu xa uhlawula ikhadi lakho zonke iintlawulo ezincinci zenyanga zenza uphawu lweengxaki).
Ezinye iiNzuzo
Ukuba awukho ukudlala imidlalo kunye namanqaku okuthenga ngetyala, zikhona ezinye iinzuzo kumda ophezulu. Ukuba nemali ethe xaxa ithetha ukhetho olungakumbi: ungasebenzisa ikhadi lakho lekhredithi kwimeko engxamisekileyo, kwaye (ukuba ufumana umvuzo kwikhasi lakho) ungayisebenzisa kwiintlobo ezininzi zokuthenga.