Ukuqonda uXanduva loNxibelelwano lwe-Co-signer
Ngaphambi kokuba ungene ngemvume, kufuneka uqonde oko kuthethwa ngako. Xa usayinela ngemboleko mboleko, uyazibophezela ukuba uhlawule ngemboleko xa umboleki engakhokheli. Inzuzo ebalulekileyo ekubhaleni ngokubhaliweyo kukuba unokunceda omnye umntu ukuba athathe i-credit yena ayifunayo. Ukunyinwa komntwana wakho kungamnceda ukuba aqalise indlela eya kwintengo enetyala. Ukutyikitya kwakho ngemboleko kunika omnye umntu ithuba.
Nangona kunjalo, kufuneka uqaphele ukuba uya kuthweswa uxanduva ukuba umbolekayo akahlawuli. Xa umboleki elahleka intlawulo, umbolekisi angakuza emva kwakho kuba uvumelekile ukuba uxanduva, ngenye indlela, ngemboleko. Kubantu abaninzi, lo mbandela wokubhalisa ngokubhaliweyo ukwanele umgca wokukhusela ngokupheleleyo, nokuba ngaba kuya kunceda umntu ngaphandle.
Inqanaba lakho lokuThembela kuMboleki
Kufuneka uzibuze ukuba ngaba ungayithembi okanye uyayithemba umboleki. Ngaba ukholelwa ukuba uya kwenza iintlawulo zexesha?
Ukuba uncedisa umhlobo ukuthenga imoto ukuze afike emsebenzini, kunokubonakala ngathi yinto ebalulekileyo. Nangona kunjalo, ukuba lo mhlobo ubonise ukuthambekela kokuvuselela imbopheleleko yakhe, unokufuneka uhlawule umboleko. Nangona kunokuba kubonakale kubanda kakhulu ukuvavanya umntwana wakho, umzali, umntakwabo, okanye umhlobo wokuthembeka, kunokuba kuyimfuneko ukuba awufuni ukufumana ukuhlawula ityala lomnye umntu.
Cinga ukuba ukuTyikitya koNyaka-mali kwiNgxowa-mboleko kungenakuchaphazela ubuhlobo
Ukongezelela, kufuneka uqwalasele impembelelo yokubhalisa umbolekiso onokuthi ube nawo kwilamano lwakho nomboleki. Ngaba uya kuhlala uhlawula umboleki ukuze aqiniseke ukuba uyayifeza umbopheleleko? Yintoni eyenzekayo xa umbolekeki engenziwanga?
Xa ngumntwana wakho okanye umzali, kunokuba lula ukuba ude uthabathe ukukhawuleza kwi-mboleko engakhokhelwa. Nangona kunjalo, xa ungumhlobo okanye umntakwabo ohluleka ukuhlawula, ukukunamathela kwilwayo-mali kunokubangela ukuphulwa okungafaniyo.
Enye yezinto ezingenakunceda ukutyikitya imali-mboleko ingaba nempembelelo ekuthandeni. Ukuba ukhathazekile ngale nto, kungcono ukuba ucinge ngezinye iindlela onokukunceda umntu obophekileyo.
Okukwintsusa
Ukutyikityina komboleko womntu omnye kukuzibophezela okukhulu. Ngaphambi kokuba uvumelane nayo, kufuneka uqikelele ubuchule bokuncedisa umntu ukuba athathe imali mboleko ayenokuyidinga ngokubhekiselele ekubanjeni ukunyamekela ukuhlawula ityala ongayifumani. Isigqibo esinzima kunye nesinye esingafanele senziwe lula.