Ukuba ityala lakho libukeka njengentaba kwaye uhlahlo lwabiwo-mali luvakalelwa njengefosholo, mhlawumbi unomuzwa wokuthi uya kuthatha ummangaliso ukulahla ityala lakho kakuhle. Ummangaliso owufunayo kungenzeka ukuba ube kwenye yeendlela ezintlanu ukunciphisa ityala lakho. Qala phezulu kwoluhlu uze usebenze ngendlela yakho. Okungenani enye yezi, mhlawumbi ezimbini okanye ezintathu, ziya kusebenza kwaye zikuncede ufumane ezi ntlawulo zetyala kwizinga elilawulwayo.
01 Uxoxisane nababolekisi
Umnikezeli wakho wekhadi lokuthenga ngetyala unokunikezela isicwangciso sobunzima esiza kukunciphisa iintlawulo zakho okanye izinga lesenzalo ixesha elide.
Ukuba umthengi wenkonzo uthi, hayi, ungalwi okanye uphikisane, mane ucele ukuba uthethe kwiphathimandla kwaye ubuze kwakhona. Qinisekisa ukuba ufumene nayiphi na isivumelwano ngokubhaliweyo, mhlawumbi kwi-letterheadhead yenkampani, ngaphambi kokuba wenze intlawulo.
02 Qinisekisa
Ukudibanisa amatyala akho kunye nokuxhaswa kwetyala okanye ukubolekwa kwemali yezindlu kukunika inkokhelo ephantsi yenyanga. Umyinge wezinga lentengo kwi-matyala akho okwangoku kwaye ujonge umbolekisi onomyinge onomyinge ophantsi kunomlinganiselo wakho wangoku.
Ukuba unelungelo lokubolekisa imali, ungayisebenzisa ukuhlawula amatyala akho akhona, ngoko ugxininise ekwenzeni intlawulo nganye ngenyanga. Imali-mboleko yokuhlanganiswa kwetyala ayiyona yodwa inketho yokudibanisa amatyala. Cinga kwakhona ngemboleko mboleko, umboleko wemali yasekhaya, okanye ukuhlaziywa kwemali.
Qaphela malunga nokufumana imali mboleko eyanciphisa iintlawulo zakho ngokunyusa ixesha lokubuyisela. Uza kuphelisa ukuhlawula umdla ngaphezu kwexesha kunokuba ungenjalo.
03 Ukutshintshwa kwemali
Ukuba unomlinganiselo omhle wesikweletu, unako ukufumana ibhalansi yokutshintshela ibhanki ngenani lentengo ephantsi kunamanye amakhadi enkoleko. Ngamanye amaxesha unako ukufumana isantya senzala esezantsi kakhulu (njengephantsi kwe-0% kwezinye iimeko) kwaye usebenzise ixesha lokuqalisa ukwenza iintlawulo ezingenasithakazelo kwi-matyala akho.
Ungasebenzisa i-Calculator ye-balance calculator calculator ukubala ukuba ungalondoloza bunjani ngokudlulisela izilinganiso zakho.
04 Bhalisela ukululekwa ngetyala
Ngamanye amaxesha abacebisi ngezekhredithi zabathengi banamakhono athile ekuthintaneni iintlawulo zenzalo ephantsi kunye neentlawulo ezivela kubathengi bakho. Ukubhalisa kwisicwangciso solawulo lwetyala lomcebisi we-credit, okanye i-DMP, kuya kukuvumela ukuba uhlawule iintlawulo zenyanga zenze kube lula ukuhlawula ityala lakho. Abacebisi ngezezikweletu banokukunceda ukuba wenze uhlahlo lwabiwo-mali kwaye ufundise izakhono zokulawula imali.
Xa ukhetha umcebisi wezikweletu , qiniseka ukuba ukhetha umntu ohloniphekileyo (isicatshulwa: bahlala bengenanto inzuzo). Qaphela ukuba ungabadibanisi neenkampani zokuhlawula amatyala ezinikezela ukunciphisa ityala lakho kodwa kaninzi ukwenza ukuba i-credit yakho ibe nzima.
05 Ifayile yebhanki
Kukho amaxesha apho ityala enetyala lininzi kakhulu ukuba lihlawule, kwaneentlawulo eziphantsi. Kule meko, unokucinga ngokufakela i-bankruptcy. Umthetho omtsha we-bankruptcy uvimbela abantu ukuba baphathe kakubi i-bankruptcy ngokufuna ukuba uqhathaniswa netyala kunye neengcebiso zabathengi ngaphambi kokuba ungayifaka i-bankruptcy.
Isahluko sesi-7 sokuchithwa siza kukuvumela ukuba ususe ngokupheleleyo amatyala athile xa iSahluko 13 sokuchithwa kwezimali siya kudala isicwangciso sokuhlawula.