Iimali ezindala zithonya njani i-Current Score Score yakho

Xa uhlawula okanye ingxelo engalunganga kwingxelo yakho yekredithi, ihlala khona iminyaka eyisixhenxe. Kuthetha ukuba nangona uhlawula ngokukodwa ityala ngokupheleleyo ukuba uphawu aluyi kususwa kwingxelo yakho yekhredithi. Kuyakhathazeka xa uzama ukuhlambulula ingxelo yakho ukuze uthenge indlu okanye wenze nayiphi enye into enkulu yokuthenga. Kubalulekile ukuqonda indlela umlando wakho wekhredithi uthintela ngayo amanqaku akho ekhredithi , ngoko unokuphucula amanqaku akho.

Sebenza Ukuhlawula Iimali Zakho Ngokupheleleyo

Nangona kunjalo, kufuneka uqale ukuhlawula amatyala akho, kuba inkampani yakho yokubolekisa iya kufuna ukuba wenze oku ukuba uceba ukuthenga indlu. Kungcono ukuhlawula amatyala akho ngokupheleleyo xa kunokwenzeka. Emva koko unokucela ukuba inkampani iguqulwe ingxelo yakho ukuba ihlawulwe ngokupheleleyo emva kokuhlawuliswa okanye ingxelo engalunganga. Kuya kubonisa inkampani yokubolekisa ukuba unoxanduva xa kuziwa ekuhlawuleni uxanduva lwakho.

Cinga ukubeka iziTyala zakho

Ukuba awukwazi ukuhlawula ngokuzeleyo, uya kufuneka uhlawule ityala lakho . I-akhawunti iya kuthi ihlale ipheleleyo. Akuncinci kwinqanaba lihlawulwa ngokugcwele, kodwa kungcono kunokuba ungakhokheli konke ku-matyala. Unokuphikisana nayiphi na ityala elingesilo lakho. Ingaba yinkqubo ende kwaye inzima. Unokufuna ukutsala iingxelo zakho zemali ngonyaka ngaphambi kokuba uceba ukuthenga indlu ukuze uqinisekise ukuba yonke into ihlelekile.

Ufanele uthathe ixesha lokulungisa izikwere zakho ngokwendawo yokusebenzisa inkampani yokuhlawula amatyala. Ungagcina imali eninzi kunye nentloko xa uya kukwenza ngokwakho, kodwa kufuneka ucwangcise indlela ukuhlawulwa kwetyala kuya kuthintela ngayo irhafu yakho.

Gxininisa kwiTyala elinye elidala kwixesha

Xa uqala ukuhlawula amatyala omdala, kufuneka uhlawule omnye ngexesha.

Ukuba uzama ukuhlawula encinci kubo bonke, unokuphela kunye neenkampani ezikuyo yonke ixesha. Khankanya nje inkampani xa ulungele ukuhlawula ityala elinye kwaye unakekele loo nto uze ulondoloze uze ube nemali eyaneleyo yokujongana nelinye elilandelayo. Njengoko udibanisa neenkampani zicela ukuba zihlawule ukuba uhlawule ityala kwi-arhente zeebredithi ngokukhawuleza. Unokuhlala uhlawule ityala phakathi kwama-20 ukuya kuma-50 ekhulwini kwento owawuhlawulwa ngayo. Ukuqala ngokunikela imali encinci kunokuba usisindise ukuze uxoxisane nebhanki. Uya kufuneka ukuba ibhanki ikuthumelele ileta echaza ukuba inkokhelo iya kuthathwa njenge-settlement ngokupheleleyo phambi kokuba uthumele imali.

Misela iNgxelo yeNkcazo yeNkcazo yangoku

Ngelixa ungeke ukwazi ukususa onke amanqaku amanqaku evela kwingxelo yakho yekhredithi, iinkampani ziza kujonga ngokukhawuleza ekuziphatheni kwangoko kunokuziphatha kwakho okudala. Ukuba udibanisile iminyaka emithandathu edlulileyo, kodwa ekhoyo kwinto yonke ukususela ngaloo ndlela, ibonakala ibhetele kunokuba ungokuhlwa kwizinto ezithile. Unokucinga kwakhona ukuya kwibhankini okanye kwinkampani yokubolekwa ngemali enikezela phantsi kwincwadi yokubhaliweyo engakunceda ukufumana inzala engaphantsi.

Zinike ixesha lokulungisa iSikweletu sakho

Kuya kuthatha ixesha lokucoca ingxelo yakho yekredenti ngokupheleleyo, ingakumbi ukuba ube nexesha elithile xa wawa emva kwazo zonke iintlawulo zakho okanye ukuba unqabile ukuhlawula amakhadi amatyala amaninzi.

Ukuba awuqapheli ityala kwilo xesha, ungaqhagamshelana nenkampani kwaye ucele ulwazi oluninzi malunga netyala. Bamele bakwazi ukubonelela ngolwazi oluyisiseko ngemboleko yakho kwaye banikele ubungqina bokuthi uvula i-akhawunti. Ukuba awuzange wenze oko, kuya kufuneka uphathwe ityala njengobhenkethi besazisi kwaye ufake ingxelo yepolisa kwaye ujongane nenkampani. Yinkqubo yokukhangela, kodwa inokuhlambulula amanqaku akho.

Ukuthintela Oku Kusenokwenzeka Kwenzeka kwakhona

Ukuba usebenza ukuhlambulula ingxelo yakho yekhredithi, kufuneka uqinisekise ukuba awuphelelanga kule meko kwakhona. Unokwenza oku ngokudala uhlahlo lwabiwo-mali , kwaye unciphisa inani olibolekayo. Ngokufanelekileyo, akufanele usebenzise amakhadi akho ekwereta kwaye uzama ukuhlawula imali ngemali yakho enkulu yokuthenga njengemoto. Ufuna amanqaku amatyala athile ukuze ukwazi ukufumana imali.

Ingxelo yakho yekhredithi nayo inokuchaphazela uphando lwakho lomsebenzi, ngoko kufanele kube yinto ephambili ekuqinisekiseni ukuba uhlawula onke amatyala akho ngexesha kwaye awuvumeli ukuba uphinde uwele emva. Uhlahlo lwabiwo-mali lwenkcazo yexakeka kufuneka lukuncede uhlale kumkhondo.