Xa uwela emva kweentlawulo zakho zemali mboleko , umbolekisi unelungelo lokuthatha isithuthi sakho. Oku kuthiwa ukuhlaziya kwaye ngenxa yemigqaliselo yemboleko yakho, umbolekisi angenza oku ngaphandle kokuya enkundleni.
Kodwa, xa uthabatha imoto yakho kumboleki okanye umthengisi ngaphambi kokuba athumele umntu we-repo, oko kubizwa ngokuzibuyisela ngokuzithandela. Unokucinga ngokuzihlaziya ngokuzithandela ukuba awukwazi ukuhlawula iintlawulo zakho zemali mboleko kunye nezinye iinketho azivumelekanga.
Inzuzo enkulu yokuzihlaziya ngokuzithandela kukuba awuyi kujongana neendleko zomthengisi wendlela yokubuyisela kwakhona isithuthi.
Ukuzibuyisela ngokuzithandela kunokunciphisa iMali
Xa umnini-mboleko ebuyisela kwakhona imoto yakho, abayikukhankanya emnyango aze abuze izitshixo. Kunoko, bathumela inkonzo yokukhwela kwikhaya lakho (okanye umsebenzi okanye i-gym okanye ivenkile) ukuthabatha isithuthi. Abayi kuqhagamshelana nawe ukuba ubuze into ekulungeleyo kuwe. Emva koko, inkonzo yokuthutha ithatha isithuthi kwindawo yokugcina. Zombini ezi nkonzo zinemali ehlawulwa ngumboleki. Unokuphepha ukuba le ntlawulo ihlawulwe kwi-balance balance yakho ngokunikela ngokuzithandela isithuthi sakho.
Ukuzibuyisela ngokuzithandela kuthintela i-Credit yakho
Iintlawulo ozilahlekileyo ezikhokelela ekuphumeni kwakho ngokuzithandela ziya kuhamba ingxelo yakho yekredithi . Emva koko, ukubuyisela ngokwakho kuya kuhamba kwingxelo yakho yekhredithi. Zomibini iinkcukacha ezimbi zizakuhlala kwingxelo yakho yeebhanki iminyaka eyisixhenxe.
Amanqaku akho ekhredithi aya kuthatha, kodwa inani elichanekileyo lomonakalo lixhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi. Musa ukuyeka ezinye iindleko. Amanqaku akho ekhredithi angahlawulela kwi-repossession yokuzithandela xa uqhubeka wenza zonke ezinye iintlawulo zakho ngexesha.
Ukuzibuyisela ngokuzithandela Akukhenxisi iMali yakho
Ukuguqula kwisithuthi sakho akukuvumeli ukhonkwane lomboleko wakho wemoto.
Umboleki-mali uya kuyithengisa okanye athengise isithuthi sakho kwaye enze isicelo sokuthengisa. Ukuba intengo yokuthengisa ingaphantsi kwebhanki yakho yemali-mboleko, usenomthwalo wemali ebhalisiweyo. Ngokomzekelo, ukuba unetyala le-5,000 ye-$ kwaye isithuthi sithengisa i-$ 3,500, uza kuhlawulwa i-$ 1,500.
Umboleki-mali angayibuyisela ityala kwiqoqo leetyala ukwenzela ukuba iqokelelwe ngakumbi kwaye umqokeleli angafaka ityala kwi-credit statement yakho. Umboleki-mboleko unokukufaka ityala kwaye ukuba bazuze isigwebo , banokufumana imvume yenkundla ukuba bahlolisise umvuzo wakho kwi-balance balance.
Ukufumana esinye isithuthi siya kuba nzima
Ngenxa yomonakalo, ukubuyisela ngokuzithandela kwintengo yakho yemali, kuya kuba nexesha elinzima ukufumana iivili ezintsha. Akunakwenzeka ukuba omnye umbolekisi uza kukuvumela ukuba umbolekiso wezithuthi xa uhlaziyo lutsha olutsha kwingxelo yakho yekhredithi kwaye ngokukodwa xa unako ukuhlawula umbolekiso wesikweletu.
Izinketho zakho ziya kugqitywa kwi-"Thenga apha, hlawula apha" uhlobo lomthengisi olunemilinganiselo engaphantsi kweebredithi, kodwa ngamaxabiso aphezulu, amanqanaba aphezulu, kunye nentlawulo ephezulu yenyanga. Okanye, ukuba unako ukusindisa ngokwaneleyo, ungathenga imoto kwiqashiso lemoto elisetyenzisiweyo okanye umthengisi wangasese.
Ukuba Usebenza Ngokukhawuleza, Unokuba Ukwazi Ukugcina Imoto Yakho
Kufuneka uthathe isinyathelo ngokukhawuleza xa uqala ukuva i-pinch yokwenza iintlawulo zakho zenyanga mboleko. Xa ulahlekelwa yintlawulo, ukubamba i-catching is hard and, nakwezinye iimeko, konke kuthatha ukuba kukho intlawulo engabikhoyo yomnini-mboleko ukubuyisela imoto yakho.
- Sebenza kwiimali zakho. Yakha uhlahlo lwabiwo-mali ukuze uqiniseke ukuba ukwandisa imali oyizisayo ngenyanga. Hlola indlela ochitha ngayo kwaye ujonge indawo ongayinqumla ngayo ukuze uhlawule iirhafu zakho zemoto.
- Thatha umsebenzi wexeshana. Umsebenzi wesibini (okanye umsebenzi wesithathu) unokukushiya ngexesha elingaphantsi kwexesha, kodwa imali eyongezelelweyo ingakunceda ukugcina umonakalo wesikweletu esihlala ixesha elide elivela ekuphumeni ngokuzithandela. Ukuzilibazisa imali okanye ishishini elincinci lincinci lenye inketho yokuzisa imali eyongezelelweyo.
- Ukuhlawula imali yakho mboleko . Ukuba i-credit yakho isesimweni esifanelekileyo, unokukwazi ukufumana imali mboleko emitsha, ngenkokhelo engaphantsi, enokuhlawulwa yenyanga nganye.
Ukuba ungeke ukwazi ukugcina isithuthi sakho, cinga ukuthengisa kunye nokusebenzisa imali ukuhlawula imali yakho yemali mboleko. Qaphela ukuba ukuba uthengisa ngaphantsi kwebhanki lakho lemali-mboleko, kufuneka ufikeleleke umahluko wokudlulisela isihloko kumnini omtsha.