Iibhanki ezine zeeNkcazo ziyakwandisa iRhafu yeNkcazo yeMali yeMali
- Emva kokuba ube ngaphezu kweentsuku ezingama-60 ezidlulileyo ngenxa yokuhlawulwa kwakho . Oku kuthetha ukuba umniki wekhadi lesikweletu angafaka isantya sohlwayo emva kokulahleka ezimbini iintlawulo zekhadi zekredithi. Ikhadi lekhredithi liyakwenza kuphela isantya sohlawulelo ukuba uthe wafika emva kwekhadi lesikweletu okanye enye ikhadi lekhredithi eliphantsi kwenkampani efanayo. Umkhwa owaziwayo " wokungagqibekanga jikelele " - ukwandisa izinga lakho ukuba uthe wabuya emva kokuhlawula omnye umniki-khadi-khredithi - uvaliwe.
- Xa isantya sobungakanani bezinga lokuguquguquka landa . Ngokomzekelo, ukuba izinga lokuqala okanye i-LIBOR landa, isamba sakho sekhadi lesikweletu sinokunyuka, kwakhona. Nika ingqalelo kwiindaba malunga nokukhula kwezinga eliphezulu kunye namazinga e-LIBOR ukufumana isilumkiso sangaphambili sokunyuka kwekhadi lesikweletu.
- Xa izinga lokukhushulwa liphela , isantya se-card interest interest rate siyakwanda. Ngokomthetho, amaxabiso okunyusa kufuneka adlule ubuncinane ubuncinane ezintandathu. Emva kokuba izinga lokukhushulwa liphelile, izinga lesenzalo rhoqo liya kusebenza. Qinisekisa ukuba uyaqonda ukuba yeyiphi imilinganiselo yakho rhoqo xa ubhalisela ikhadi lekhredithi ngenani lokuqala.
- Emva kokuba uzalise isicwangciso solawulo lwetyala okanye elinye ilungiselelo lezinzima okanye ukuba ulungelelanise ilungiselelo elikhoyo.
Ngaba iiBhanki ziyaNciphisa iRhafu yeNzala?
Ababolekisi bafuneka ukuba bahlalutye inzala yekhredithi yangaphambili yekhadi yekhredithi inyuke rhoqo emva kweenyanga ezintandathu ukuze ubone ukuba iimeko zitshintshile kwaye zinciphisa umlinganiselo wakho wenzala ngokufanelekileyo.
Ukuba isantya sakho sandile ukugqithiswa kwemini engama-60 okanye ngaphezulu, umboleki wakho kufuneka ukuba anciphise isantya sakho emva kokuba wenze iintlawulo ezintandathu ezilandelanayo. Nangona kunjalo, umnikeli wakho wekhadi kuphela kufuneka anciphise umyinge kwibhalansi ekhoyo.
Abaniki bamakhadi bamatyala bavunyelwe ukushiya izinga eliphakamileyo ngokusebenza ngokuthenga okutsha emva kokuba izinga lokuhlawulwa liphumelele.
Khangela imigaqo yekhadi lakho lekhredithi ukuze ubone ukuba umkhupheli wakho wekhadi usebenzisa le ndlela.
Ababolekisi abanako ukunyusa izinga lentengo kwiminyaka yokuqala yokuvulwa kweakhawunti ngaphandle kokuba ungekho phantsi kwe-akhawunti, unesantya senzala eguquguqukileyo, ilungiselelo lakho lobunzima liphelile, okanye izinga lokunyusa liphelile.
Isaziso esiphezulu seNqanaba leMali eliThatywayo likhula
Akukho manqaku amakhredithi amaninzi afake ii-APR kule mihla. Kodwa, kulabo abakwenzayo, abakhupheli bamakhadi-khredithi bafuneka ukuba banikeze isaziso seminyaka engama-45 ngaphambi kokunyusa izinga lomdla. Ngelo xesha, unokukhetha ukuphuma kwinqanaba elitsha, ngokubhaliweyo, kwaye uhlawule ibhalansi yakho kwizinga lakho lesenzalo. Umnikeli wakho wekhadi lokuthenga ngetyala unokuvalela ukuba unquma ukuphuma kwinqanaba lentlawulo. Ukuba ukhetha ukwamkela izinga elitsha, izinga eliphakamileyo liya kusebenza kuphela kwiintlawulo ozenzileyo emva kwenyuka izinga lentlawulo.