Yintoni eyahlukileyo phakathi kweeRhafu eziHlomelo kunye neeRhafu eziTshintshekileyo
Ukuba ubeka ingqalelo kwizitatimenti zekhadi lakho lesikweletu - kwaye kufuneka ufanele - uqaphele ukuba uhlawuliswa inzala malunga neenyanga. Izilinganiso zekhadi lakho lesikweletu zihlawulwa inzala nayiphi na ixesha ophethe ibhalansi ngaphaya kwexesha lobabalo. Inzala ibalwa ngokusekelwe kwinqanaba elichazwe kuwe xa ubhalisela kwikhadi lakho lesikweletu. Amakhadi a matyala angaba nenqanaba lomdla okanye oguqukileyo. Ukwahlula phakathi kwababini kuya kuthintela xa izinga lakho lemali linokutshintsha nokuba ngaba kufuneka uxelelwe.
Yiyiphi Imali Ejongene Nentshisekelo?
Ireyiti echaphazelekayo inomdla ngokuqhubekayo iyahlala enye kodwa ingatshintsha phantsi kweemeko ezithile.
- Ukuba uneminyaka engaphezulu kweentsuku ezingama-60 ekupheleni kwekhadi lakho lokuthenga ngetyala
- Unesilinganiso sokunyusa esiphelile
- Usuqedile inkqubo yolawulo lwetyala
Emva kokuba imithetho yamakhadi amatyala eqala ukusebenza, ixabiso lentlawulo elinqununu alikwazi ukunyuka kunyaka wokuqala wokuvula i-akhawunti ngaphandle kokuba enye yezizathu zichazwe ngasentla.
Ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) ophakamisa inzala yakho, kufuneka akunike isaziso sokuhamba kwangaphambi kweentsuku ezingama-45 ngaphambi kokuba ukwanda kusebenze. Uvumelekile ukuba ukhethe ukunyuka kwezinga lentengo kwaye ubuyiselwe ibhalansi yakho kwinqanaba lomdla lomdala.
Yintoni eyahlukileyo Ngomlinganiselo weNzala oTshintshayo?
Intlawulo yemingalo eguquguqukayo inamathele kwelinye izinga lentengo, ngokuqhelekileyo elihamba kunye noqoqosho. Intlawulo yesantya eguquguqukayo yinani elithile leepesenti zepesenti ngaphezu kwereyithi yenkcazo.
(Ukwahlula phakathi kweerhafu ezimbini kuthiwa umda.) Ngokomzekelo, izinga lokutshintsha inzala kwikhadi lakho lekhredithi lingaba liphambili + 13.79%. Kwimeko apho, i-margin, eyi-13.79%, yongezwa kuyo nayiphi na inqanaba lokubaluleka kwixesha lokuza nenzala yakho. INdumbuso ngoku i-3.25%, okwenza inzala yakho ibe ngu-17.04%.
Inqanaba lakho lesantya lesenzalo liya kunyuka kwaye lihla njengoko izinga eliphantsi likhuphuka phezulu. Abaniki bamakhadi bamakhadi akufuneki ukuba bathumele isaziso esandulelayo xa isantya senzalo esichaphazelekayo sikhuphuka ngenxa yokuba isantya esiphezulu siye senyuka, ngoko awuyi kukwazi ukuba izinga lakho lesenzalo litshintshi ngaphandle kokuba ubeke ingqalelo kwi-statement ye-credit card yakho. . Ukuba umnikeli wakho wekhadi lomthengi ukwandisa inxalenye yemida yesantya sakho sentsholongwane, inqanaba elithintekayo lokunyusa izinga lentlawulo lisebenza. Umnikezeli wakho wekhadi uya kufuneka ukuba akuxelele kwangaphambili ithuba, akunike ithuba lokuphuma.
Ngaba Ixabiso elinguNgcono leeNgcono kunomlinganiselo oguqukayo?
Inzuzo eyinqobo yesantya esinomdla iyimfuneko yokunyuka kwangaphambili kunye nokukwazi ukuphuma kwizinga lokunyuka kwamazinga. Ukungena kungagcina iidola ezimbalwa kwiintlawulo zenzalo, kodwa zinokulimaza ikhredithi yakho. Ngamazinga enzala ahlukeneyo, unokufumana ukuba izinga lakho lomdla liya kunyuka xa ubeka ingqalelo kwiindaba malunga nokuba iifama zinyusa amazinga enzala.
Unokuphepha ukuhlawula umdla ngokupheleleyo ngokuhlawula imali yakho ngokugcwele ekupheleni kwenyanga nganye. Ngaloo ndlela, akuyi kuba nantoni na ukuba inzala yakho inomlinganiselo okanye iyatshintsha.