Ikhredithi embi inokukugcina ekuthengeni ikhaya, ukuxhasa ngemali imfundo yakho, kwanokufumana umsebenzi. Yingakho kubaluleke kakhulu ukwakha ityala elifanelekileyo .
Ukuqala ngekhadi lakho lokuqala lokuthenga ngetyala , yonke into oyenzayo ebandakanya i-credit iyinxalenye yembali yakho yesikweletu. Ukuze ube nembali enemali yamatyala, kufuneka usebenzise i-credit ngokufanelekileyo. Kodwa kubaluleke ntoni ngokusebenzisa i-credit ngokufanelekileyo?
01 Yiboleka kuphela into onokuyenza
Xa ufumana umkhwa wokuhlawula kuphela oko unokukwazi ukukwenza, uvumela ababolekisi bexesha elizayo kunye nababolekisi ukuba bayaziboleka. Uzakufumana lula ukuboleka imali kwaye ufumane entsha ngetyala xa ubonisa ukuba uyazi ukuboleka kuphela into onokuyibuyisela ngayo. Akunjalo nje kuphela, ukuhlawula kuphela oko unokukwazi ukukunceda kukuphepha ukuhlawulwa kwetyala .
Into efanayo iya kuba mboleko. Yenza kuphela imali ebolekayo njengokuba unako ukuhlawula, kungakhathaliseki ukuba uthini umboleki. Ngaphambi kokuba uthenge i-mboleko, hlaziya uhlahlo lwabiwo-mali ukuze ubone ukuba yiyiphi intlawulo yenyanga onokuyenza. Qinisekisa ukuba ukuhlawulwa kwemali mboleko akugqithisi imali oyenayo.
02 Sebenzisa kuphela iNani elincinci leTyala elikhoyo
03 Qalisa ngeKhadi elilodwa leKhadi
Abasebenzisi abaninzi bekhadi lokuthenga ngekhredithi lokuqala baqokelela iqoqo lamakhadi ekredithi kwiminyaka embalwa yokuqala yokusebenzisa ityala. Musa ukwenza impazamo yokuvula amakhadi amaninzi ematyala ngokukhawuleza. Ikhredithi ethe xa unayo, ngokugqithiseleyo uza kugcina usebenzisa kunye kwaye kuya kuba nzima ukuqhubeka kunye nezikali kunye neentlawulo zakho. Ukongeza, imibuzo emininzi kwi-credit yakho kwaye amaninzi amakhadi wesikweletu awanakuchaphazela kakubi amanqaku akho. Funda indlela yokujongana nekhredithi ngaphambi kokuba ufake izicelo zamakhadi ezongezelelweyo.
04 Bhatala i-Credit Card Balance ngokupheleleyo
Ukuba uhlawula kuphela oko unokukwazi ukuhlawula, awuyi kuba nenkinga yokuhlawula ibhalansi yakho epheleleyo ngenyanga. Ukuhlawula ibhalansi yakho inyanga nganye kubonisa ukuba unako ukuhlawula iibhili, into ethile abathengi nabathengi bafuna ukuyibona. Ekubeni inxalenye enkulu yamanqaku akho okuthenga ngetyala aquka ukukhawuleza kweentlawulo zakho, ukuhlawula izilinganisi zakho ngexesha liphucula i-credit yakho.
05 Yenza Zonke Iintlawulo Zakho Ngexesha
06 Ukuba Uthabatha Ukulinganisela, Yenza Indlela Efanelekileyo
Ukulinganisela kwekhadi lesikweletu akuyona into embi xa nje uyenza ngendlela efanelekileyo. Bhatala ngaphezu kobuncinane inyanga nganye ukuhlawula ibhalansi yakho ngokukhawuleza. Gwema ukwenza iintlawulo zekhadi lokuthenga ngetyala kwaye uqhubeke nokugcina ibhalansi yakho kwinqanaba elifanelekileyo (ngaphantsi kweepesenti ezingama-30 zomlinganiselo wesikweletu). Ukuba uyayilandela le migaqo, ukuthwala ibhalansi ayiyi kulimaza ikhredithi yakho.
07 Vumela iiAkhawunti zakho zexesha
Ukuba sele ubenomniki-ngxowa-mali, bhetele kungenxa yamanqaku akho. Shiya ii-akhawunti zakho ezindala zivulekile kuba zinceda ukwandisa iminyaka yakho yemali kunye nokwakha i-credit card. Ukuvala i-akhawunti akusayi kususa kwi-akhawunti yakho yemali ngokukhawuleza. Kodwa, emva kweminyaka emininzi, ii-credit bureaus ekugqibeleni ziza kudala i-akhawunti, iincwadi ezivaliweyo ezivela kwingxelo yakho yekhredithi.