Wonke umnikelo wekhadi lokuthenga ngetyala kufuneka unike iinkcukacha ezithile malunga nexabiso lekhadi lesikweletu kunye nemirhumo. Ngenxa yokuba bonke abakhupha amakhadi eemboleko banqunywe ngumthetho ukuba baxelele ulwazi olufanayo lwexabiso, abathengi banokuqhathanisa kangcono amakhadi ekhredithi kwaye bakhethe ikhadi lekhredithi elona lilungelelaniswa neendleko zabo.
Ukudalulwa kwekhadi lokuthenga ngetyala kuyabangela ukuba abanikeli bekhadi lokuthenga ngetyala banikeze ixabiso lokuncintisana. IQiniso kuMthetho Wokuboleka unxusa abakhishi bekhadi lokuthenga ngetyala ukuba badibanise ukuchazwa kwekhadi lesikweletu kunye nezicelo zekhadi zekhredithi kunye namakhadi amatyala emitsha . Nantsi into ongayilindela ukuyibona kwikharityhulam yokudalulwa kwekhadi.
01 APR
- APR ukuthenga okanye i-APR rhoqo. Ama-APR amaninzi okanye uluhlu lwe-APR lungabhalwa. I-APR iyakulungele ukuba isekelwe kwimbali yakho yemali, inani lematyala kunye nemali engenayo.
- Ama-APRs okupromotha kufuneka abhalwe, kunye nexesha lokunyuswa kwezinga lokunyusa, nokuba ngaba izenzo ezithile ziya kuphelisa izinga lokunyusa ngokukhawuleza.
- Ukutshintshaniswa kwe-APR. Ireyithi yokutshintshela ibhalansi yokuqala kufuneka ibalwe kunye nexesha lesantya, kunye nokuthunyelwa kwe-post-promotion promotion APR. Ngamakhadi athile ekhredithi, ukutshintsheliswa kwemali ye-APR kunye nokuthenga i-APR kuyafana.
- Ngaphambi kwemali yeKapa. Impumelelo ye-APR yemali iphezulu kunezinye ii-APRs.
Ukwaziswa ngalunye ku-APR kufuneka luchaze ukuba ngaba i-APR imiselwe okanye iyatshintsha . Ukuba i-APR iyahluka, ukudalulwa kufuneka kubhale uluhlu lwengcaciso.
02 I sohlwayo APR
Ijelo u-APR, ebizwa ngokuba ngu-APR ngokusemthethweni, ngu-APR osebenzayo xa ungekho phantsi kwemiqathango yamakhadi akho. Ukubhengezwa kufuneka kuchaze isohlwayo u-APR, yintoni oyenzayo ukuze uqalise i-APR, kwaye kuza kube nini ixesha elide.
03 Ixesha loBomi
Ixesha lobabalo lixesha lexesha kufuneka uhlawule ibhalansi yakho ngokupheleleyo phambi kokuhlawula umdla. Isikhathi sobabalo singabonakala kwikharityhulam yekhredithi kwi candelo elibizwa ngokuthi "Indlela yokugwema ukuhlawula inzala ekuthengeni."
Qaphela ukuba ixesha lobabalo luhlala lusebenza kuphela ekuthengeni, kungekhona ukuhanjiswa kwemali kunye nokunyuka kwemali. Oko kuthetha ukuba inzala iqala ukunyuka kwezi zilinganiso ngokukhawuleza. Ixesha lobabalo lungaze lisebenze ukuba unayo ibhalansi ekuqaleni komjikelo wokuhlawula.
04 Inkcitho encinci yemali
Iikhampani zamakhadi zekredithi zihlala zichaza ixabiso elincinci leemali oza kulihlawula xa uhlawuliswa inzala kwi-akhawunti. Umzekelo, imali yakho encinci yeerhafu ingaba yi-$ 1.00 nangona ihlawuliso yakho yemali ebalwe yi $ 0.75.
05 Indlela yokuBaliswa kwezeMali
Ukubhengezwa kwekhadi lokuthenga ngetyala kufuneka kuchaze indlela iindleko zakho zezimali ezibalwe ngayo. Abaniki bamakhadi bekhadi basebenzisa iindlela eziliqela zokubala iirhafu zakho zezimali usebenzisa inqanaba lakho lesenzalo kunye nokuba ngumlinganiselo wakho wokuqala, ukuphelisa ibhalansi, ibhalansi yesilinganiso semini okanye ibhalansi ehlengahlengisiweyo. Iindleko zezemali zingenza okanye zingabandakanyi ukuthenga ezintsha.
Abaniki bamakhadi ngekhadi abavumelekanga ukuvavanya iindleko zezemali kwiimali eziye zahlawulwa sele zikhokhwe, oko kukuthi indlela yokujikeleza iindleko zemali.
06 Imali
Ukudalulwa kwekhadi lokuthenga ngetyala kufuneka kuqulethe uluhlu lwemali ehambelana nekhadi lakho lesikweletu. Nangona ezi ntlawulo zihluka ngekhadi lesikweletu, ezinye iintlawulo zekhadi lesikweletu zibandakanya, kodwa azikhawulelwanga kwimali yonyaka, imirhumo yokudlulisela imali, imali yentlawulo yangaphambili yemali, intlawulo yokuthengiswa kwemali yangaphandle (ebizwa ngokuba yimali yokuguqulwa kwemali), intlawulo yexesha lokugqibela, umrhumo wemali, kunye nentlawulo yentlawulo ebuyiswe.
Eminye imirhumo, njengemali yonyaka, imisiwe. Ezinye iirhafu, njengemali yokupasa imali okanye imali yokudlulisela imali, inokumiselwa okanye ihluke ngokuxhomekeke kwimali yokuthenga. Ngokomzekelo, imali engaphambili yokuhlawulwa kwemali ingaba yi-$ 5 okanye i-5% okanye i-advance, nayiphi na enkulu.