Indlela Yokuxelela Ukuba Ubungayilungisa Imboleko Yakho
Ngaba uye wahlala nekhredithi embi? Ngaba awuqinisekanga ngetyala lakho elimileyo kodwa unokukrokra ukukrokra akuyona into engcono? Nazi iimpawu ezilishumi ufuna ukulungiswa kwekhredithi.
01 Unqatshelwe ngenxa yekhadi lesikweletu.
02 Umbane wakho usegama lomnye umntu.
Iinkonzo zesevisi ziphakathi kwamashishini amaninzi asebenzisa ithenkethi yokutshintshela ukuba ngaba ukwandisa iinkonzo kuwe. Ukuba awukwazi ukumisela ugesi okanye nayiphi enye inkonzo egameni lakho, lixesha lokulungisa i-credit card yakho embi. Hlola ingxelo yakho yekhredithi ukuze ufunde izinto ezimbi ezichaphazela amanqaku akho.
03 Abaqokeleli bematyala bakubiza.
Xa abaqokeleli beetyala beqala ukukubiza kuthetha ukuba ababolekisi bakho bayeke ukuzama ukukuhlawula imali. Ezi ngxelo zeqokelela zibonakala zivela kwingxelo yakho yekredithi kwaye zichaphazela ukukwazi kwakho ukufumana imvume yamakhadi-mboleko kunye nemboleko. Ukulungiswa kwemboleko kuquka ukuhlawula kule akhawunti iqokelelwa okanye ukuphikisana kwingxelo yakho yekhredithi ukuba ayinabo.
04 Awufumani nabani na ongayibhalisela imali.
Xa ufuna ukulungiswa kwekhredithi, mhlawumbi awuyi kuvunyelwa nawaphi na imali mboleko kuwe. Ukuba awukwazi ukufumana nayiphi na intsapho yakho kunye nabahlobo ukuba babhalisele ngokusayina, ngoko ufuna ukulungiswa ngetyala. Emva kokuba uphucula i-credit yakho, uya kukwazi ukufumana iimboleko ngaphandle kokuba ube nomqondiso kuwe.
05 Ingxelo yakho yekhredithi ikugcina ekufumaneni umsebenzi.
Abaqeshi abaninzi basebenzisa ingxelo yakho yekhredithi ukwenza izigqibo zokuqasha nokukhuthaza. Oku kuyinyani ngokukodwa kwiindawo eziphezulu zezemali kunye neziphezulu. Ukuyeka ukulungiswa kwemali kunokukugcina ekufumaneni imisebenzi oyifake isicelo. Akunabo bonke abaqeshi bajonga ityala njengenxalenye yenkqubo yokuqesha. Ngelixa usebenza ekuphuculeni amanqaku akho ekhredithi, cinga ukuthatha umsebenzi ongenzi ukuhlolwa kwekhredithi.
06 Abanikazi bezindlu abanakuqeshisa kuwe.
Abanini bezindlu bahlole ikhredithi kwakhona. Ikhredithi embi ingakugcina ungene kwindawo yokuqashisa, ngokukodwa indawo yokuhlala enkulu. Abanye abanikazi bezindlu bangaba neentlawulo kwiinyanga enye okanye ezimbini ezihlawulwa emva koko, kodwa ukugqithiswa kwezinto ezinzulu kuya kufumana isicelo sakho. Ukuze uzigcine unamahloni okuphikiswa kwipropati, phucula umlando wakho wekhredithi ngaphambi kokuba uqale ukukhangela irenti entsha.
07 Uloyiko ukujonga ingxelo yakho yesikweletu.
"Andinaso ixesha." "Andizi ukuba njani." Ikhredithi embi ingakhokelela ukuba wenze izizathu malunga nokujonga ingxelo yakho yekhredithi xa isizathu esiqinisekileyo ungayifaki ingxelo yakho kukuba uyamoyika ukubona okukuyo. Ngokukhawuleza uhlolisise i-credit yakho, ngokukhawuleza ungasebenzela ukudala ingxelo yengxelo yemboleko oyiqhayiya ngayo.
08 Inani lakho lokuthenga ngetyala liphantsi.
Le mihla inqaku lekhredithi elingaphantsi kwe-720 libhekwa njenge-sub-prime. Ukuba ukulungiswa kwamatyala kungaphantsi kwe-650, kufuneka ulungiswe ngesikweletu. Ukuba awukwazi umlinganiselo wakho wekhredithi, ngoku ixesha elide ukujonga ukuze ubone apho umi khona.
09 Izinga lakho lomdla liyaqhubeka.
Abaniki bamakhadi ngekhadi bavame ukuphakamisa ixabiso lentengo ngenxa yenkcazelo kwingxelo yakho yekhredithi. Xa ufike emva kweentlawulo kwabanye ababolekisi okanye i-akhawunti entsha yokuqokelela ivela kwingxelo yakho yeekhredithi, unokufumana unobumba wokwanda kwenani lentengo. Ukulungiswa kwekhredithi yakho kunokukunceda uqiniseke ukuba ufumana amaxabiso enzala aphezulu kwiikhadi lakho lekredithi kunye nemboleko.
Abaniki bekhadi aba-10 bavala amakhadi enkokhelo.
Ukuba nekhadi elilodwa lekhredithi elivaliwe ngumnikeli wakho wekhadi kungenokuba yinto enkulu. Xa amaninzi akho amakhadi ekhredithi avaliwe, uphawu lokuba kukho into engalunganga ngetyala lakho. Ukubiza umnxeba wekhadi lakho lekhadi linokuthi likhanyise into engalunganga. Ngaba unako ukulungisa i-credit yakho ukuphucula ukuma kwekhredithi yakho.