Amakhadi ekwereta athenga izinto ngokulula, kodwa ngeendleko ezinkulu
Iindleko zokuhlawula kuphela ubuncinci ngenxa
Iphutha eliqhelekileyo ukuvumela ukuba usebenzise ukuhlawula kuphela umyinge omncinci ofunekayo kwi- bill card yakho .
Intlawulo encinane yenyanga ingabonakala ingabalulekanga. Nangona kunjalo, intlawulo ingabonakali ingabalulekanga xa uqonda iindleko zinyani zamakhadi-mboleko kunye nomdla.
Masithi uye waphuma kwaye uthenge ithelevishini entsha ye-plasma nge $ 2,500. Usebenzise ikhadi lekhredithi elinomlinganiselo wepesenti wonyaka (APR) wama-18 ekhulwini. Intlawulo yakho encinci yenyanga ingaphantsi kwe-$ 50 efana nomzekelo okhankanywe ngasentla, kodwa ukuze ubale iindleko zakho zexesha elide, uza kufuneka ukwazi ukuba imali yakho encinci ihlawulwe njani.
Iintlawulo ezincinane zibalwa njani
Intlawulo encinci imiselwe ngokusetyenziswa kwepesenti yonke ibhalansi yakho. Inani lepesenteji lidla ngokumalunga neepesenti ezi-2 kodwa zingatshintsha ngokuxhomekeke kwikhadi. Gcina ukhumbule ukuba inkokhelo encinci iya kwi-intlawulo yenzalo kunye nesixa-mali sokuqala osibhadayo. Kule meko, isixa sokuqala sasiyi-$ 2,500.
Kwi-TV yama-2,500 ye-plasma, iipesenti ezi-2 zetyala lakho langaphambili liza kuba yi-$ 50.
Ngo-Apreli wama-18, i-intlawulo yakho yayiza kubandakanya i-$ 38 emdlalweni kunye ne-$ 13 ukuya kwi-$ 2500. Emva kokuhlawulwa kokuqala, uya kuhlawulwa i-$ 2487. Umgaqo osisiseko ngu:
- Uhlula ipesenti ezingama-18 ngeentsuku ezingama-360 zonyaka ezilinganayo .05 ekhulwini.
- Hlanganisa ii -05 zeepesenti ezingama-30 iintsuku zekhalenda ezi-1.5.
- Ekugqibeleni, phinda u-1.5 nge-balance ye-2500 eyi-$ eyi-37.50 (i-38 ejikeleziweyo) inomdla.
Ixabiso eliyinyani lelo kuthengwa
Ukuba uhlawule iipesenti ezi-2 kuphela zebhanki yakho yonke ngenyanga, kuya kuthatha iinyanga ezingama-334 ukuhlawula ityala lakho. Ngamanye amazwi, kuya kufuna iminyaka engama-28 ukuhlawula i-$ 2,500 yemfanelo. Umabonwakude mhlawumbi uyayeka ukusebenza ngaphambi kokuba uyihlawule.
Nangona ugqibe ekubeni uhlawule iminyaka engama-28, ubuya kuhlawula i-$ 5897 inzala. Ixabiso lakho lokwenyaniso kumabonwakude angama-56-intshi ye-plasma iya kugqiba ibe yi-$ 8397.
Ukuvumela Umsebenzi Wenzalo Kuwe
Nangona kunjalo, cingela oko unokufumana xa ubeke i-$ 50 kwi-akhawunti yokulondoloza iminyaka engama-28. Kwanamanani aphantsi ekhoyo anamhlanje, bekuya kuba yimali eninzi.
Ngokomzekelo, masithi uqale i- akhawunti yokulondoloza okanye uvula i-CD ngezinga lepesenti ezingama-5 kwaye ubeke i-$ 50 ngenyanga nganye iminyaka engama-28. Kwakhona, masibandakanye oko uza kuhlawula irhafu ngentlawulo yentlawulo ye-25% kwimali engenayo.
Ukulondoloza kwakho konke bekuya kuba ngu-29,648. Ubungayifumana i-17,130 yezigidi ngenzuzo yengeniso. Iindleko zakho zerhafu ezipheleleyo ziyi-$ 4,283. Emva kwentela, ubuya kwenza i $ 12,847 eyongezelelweyo. Unokuba uhlawule ithelevishini ngemali kwaye unemivuzo eninzi.
Musa ukuwela kumgibe wekhadi lesikweletu
Uninzi lwabantu luhendelwa ziintengiso zeentengo kunye neentengiso ezilungileyo kakhulu ukuba zinyaniseke. Nangona kunjalo, xa ukhangela imiphumo yesikhathi eside, ukubonelela ngeentlawulo eziphantsi kweenyanga kuza kuhlawula imali eninzi.
Ingcinga efanelekileyo yokufunda malunga nokuthengwa kwekhadi lokuthenga ngetyala kangakanani ngokwenene ngaphambi kokuhamba kunye nokuthenga. Ungazijonga ngokwakho usebenzisa i-credit and calculator control calculator . Khangela "i-calculator card credit card" encinci ithi:
- Iindleko zakho ezipheleleyo ngeentlawulo eziphantsi
- Zingaphi iintlawulo eziza kuthatha ukuhlawula lonke ibhalansi kunye neentlawulo eziphantsi
- Iimali ezahlukileyo ziya kuthintela njani iindleko ezipheleleyo
Iinkampani zemboleko zihlala zenza inzuzo enkulu ngokunikela amaxabiso e-teaser kunye nentlawulo ephantsi . Enye indlela yokugcina ingeniso yabo ngokugcina abathengi kwi-10, 20 okanye kwiminyaka engama-30.
Esikhundleni sokongezwa kwingeniso yabo, unokucinga ukuba ukwakha i-akhawunti yokulondoloza ngokubeka oko uza kuchitha kwiintlawulo zekhadi zesikweletu zenyanga.
Amakhadi enkoleko angadlala indima ebalulekileyo ebomini bethu. Bangakwazi ukubonelela ngemali engxamisekileyo yengozi enkulu yemoto okanye enye imeko ebalulekileyo kwaye ikuvumela ukuba ufumane ngokukhawuleza ngexesha lokufuna. Ukuba kufuneka usebenzise i-credit, hlawula i-bill yakho ngokupheleleyo ngenyanga. Ukuba kufuneka uthembele ekwenzeni iintlawulo ezincinci zama ukuhlawula ubuncinane i-$ 10 ngaphezu kwenkokhelo encinci kwaye uhlawule kuphela izinto onokuzifumana. Oku kunokukugcina amawaka eedola ngamanxeba enzala.