Ukuba unayo i- akhawunti yokuqokelela ofuna ukuyinyamekela, kodwa ayikwazi ukuyihlawula ngokupheleleyo, unokukwazi ukuxoxisana nentlawulo ehlawulekayo kunye nomqokeleli wetyala. Nangona awukwazi ukufumana umqokeleli ukuba avume ukwamukela intlawulo engaphantsi, unokukwazi ukulungiselela ilungiselelo lokuhlawula ityala kwizitofu. Ukukwazi ukuxoxisana nabaqokeleli beetyala kukunceda wenze isisombululo sentlawulo esisebenzelayo kwaye unakekele i-akhawunti yokuqokelela ityala ngokulungileyo.
1. Qonda indlela AbaSebenzi beeTyala abaThola ngayo
Amaqokelelo amatyala angenzeka nakwabathengi abanomdla kakhulu. Isibhengezo siyakucima ingqondo yakho, unokuba neengxabano nombolekisi malunga nokuba unetyala elingakanani, okanye izitatimenti zentlawulo zingalahleka ngeposi ngaphambi kokuba wazi ukuba ityala likhona. Ngamanye amaxesha, abaqokeleli-matyala benza iibhonasi zeebhonasi kwaye bazama ukuthusa abathengi ukuba bahlawule.
Kungakhathaliseki ukuba ungathanda ukungayithobeli njani ukuqokelela , ukunyamekela i-akhawunti yokuqokelela ngokuqhelekileyo kungcono kuwe nakwiimpawu zakho zekrediti ngokuhamba kwesikhathi. Emva kokuba uhlawula, uya kumisa iifowuni kunye neeleta ezilungileyo, ukuphucula umlando wakho wekhredithi, kunye nokuphelisa umngcipheko wokubolelwa ityala.
Njengokuba kukho nayiphi na intetho, ukwazi konke onokukwazi ngenye inxaxheba kukubeka kwindawo engcono yokufumana oko ufuna ngaphandle kwento. Injongo yomqokeleli wetyala kukuba wenze imali eninzi kangangoko kunokwenzeka ekuqokeleleni amatyala kwaye benza oku ngeendlela ezimbini.
Abaqokeleli-matyala bangafaka iintlawulo kwi-matyala njengoko kuvunyelwe ngumthetho kaRhulumente. Okanye, abathengi beebhanki abangenazo i-junk bafumana inzuzo kwiimali abazithengile iipennies nje kwiidola.
Abaqokeleli bafumana imali kuphela xa abathengi behlawula ityala. Abakwazi ukuthatha impahla okanye bathathe imali kwi-akhawunti yebhanki yabathengi ngaphandle kokuba batyala kwaye bafumane isigwebo senkundla kunye nemvume yokulungisa umvuzo wabathengi .
2. Yazi Amalungelo akho
Ngaphambi kokuba uthethe ngomqokeleli wetyala, qhelana namalungelo akho . Ngaphandle koko, abaqokeleli beetyala abanamachule kwaye banamava kunokuba banokukusebenzisa ngokulula.
Nazi izinto ezimbalwa omele wazi:
- Abaqokeleli bematyala banokukubiza kuphela phakathi kwe-8: 00 no-9pm.
- Akunakukuhlukumeza okanye ukusebenzisa ulwimi olungcolileyo xa uthetha nawe.
- Akunako ukutshitshisa ukuthatha inyathelo elingekho mthethweni okanye ukuba abanenjongo yokulandela.
- Abaqokeleli bematyala banokuqhagamshelana nomqeshi wakho , amalungu omndeni kunye nabahlobo ukuba baqhagamshelane nolwazi malunga nawe.
Abaqokeleli-matyala banokuzama ukuqokelela kuwe ngokukubiza, ukuthumela iileta, nokubeka uluhlu kwi-credit report yakho ngethuba nje ukuba ityala likhawulezileyo. Unokuyeka iifowuni kunye neencwadi ngokucela umqokeleli wetyala ukuba ayeke ukunxibelelana nawe. Nangona kunjalo, awukwazi ukususa iqoqo kwingxelo yakho yekhredithi ngaphandle kokuba ingachanekanga okanye ngaphaya kwexesha lokunika ingxelo lokuthenga ngetyala .
3. Qiniseka ukuba ityala lakho
Musa ukuthatha into yokuba umqokeleli wetyala odibana naye ulandela ityala elisemthethweni. Abaqokeleli-matyala baye baziwa ukuba baphishekele amatyala amabi okanye bazama ukuqokelela kwiimali eziye zahlawulwa.
Hambisa zonke iikholeji zeemali kunye nomthamo ophilileyo wokungabaza.
Unelungelo lokucela umqokeleli weetyala ukuba abonise ukuba ityala lakho lenu kwaye ukuba banikwe igunya lokuyiqokelela. Le nkqubo iyaziwa njengesiqinisekiso senkundla . Unemihla engama-30 ukusuka ekuqhagamshelaneni kokuqala kunye nomqokeleli wetyala ukuba ucele, ngokubhaliweyo, ukuba umqokeleli wetyala uthumela ubungqina bentyala. Xa umqokeleli ethola isicelo sakho sokuqinisekiswa kwetyala, abakwazi ukuqhubeka beqokelela ukususela kuwe ukuba bathumele ubungqina obubucelile.
Xa umqokeleli ethumela ubungqina kwaye unelisekile ityala livumelekile, unokuqhubeka kunye nezinye iintetho. Ngaphandle koko, ukuba umqokeleli engathumeli ubungqina obaneleyo, thumela umqokeleli ukuba ayeke kwaye afune ukucela ukuba bayeke ukudibanisa kunye nokuphikisana netyala ngeziko lemali-mboleko.
4. Fumana ezinye izinto
Kukho izinto ezimbalwa ezinokusebenza xa uxoxisana nomqokeleli wetyala. Okokuqala, ukuba umqokeleli wetyala unethuba elincinane lokuphumelela umgwebo ngokuchasene nawe, banokuba banakho ukufumana inkokhelo encinane.
Ummiselo wemingcele uthintela ixesha elithile elifunekayo ngokomthetho. Emva kokuba umyalelo sele udlulile, umqokeleli wetyala uya kuba nexesha elinzima ukufumana inkundla kukuphoqa ukuba uhlawule ityala, ukuba usebenzisa ixesha eliphelelwe yisikhathi njengendlela yokukhusela enkundleni. Qiniseka ukuba awuyi kuphinda uqalise ngenye indlela ummiselo wokunciphisa ngokuvuma kwinqanaba okanye ukwenza inkokhelo encinane. Ummiselo wemingcele uhluka ngohlobo kunye nohlobo lwetyala kwaye luqala ngomsebenzi wakho wokugqibela kwi-akhawunti.
Olunye ixesha lusetyenziswa ngokusesikweni lakho kukukhawulelwa kwexesha lokubhengezwa ngetyala. Eli xesha lichaphazela ukuba ngaba ityala lingabhaniswa kwingxelo yakho yekhredithi. Ukuba ityala liwile kwingxelo yakho yekhredithi, okanye ihlelwe ukuba ihambe ngokukhawuleza, akukho ncitshulo encinci ukuba uyihlawule - ayisayikuchaphazela inkokhelo yakho. Kodwa ke unokuziva ukhuthazwa ukuhlawula ityala ngenxa yokuzibophezela, ukuyeka abaqokeleli beetyala ukuba bangaqhagamshelani nawe malunga netyala elungileyo, okanye ukuphelisa umngcipheko wokugwetywa. Ukusebenzisa umda wexesha lokunika ingxelo ngetyala eliphelelwe yisikhathi njengoko umlinganiselo ungakhuthaza umqokeleli weetyala ukuba asebenze kunye nebhajethi yakho.
Ngokuqhelekileyo, omdala ityala, kungenzeka ukuba unokwenza ukuba umqokeleli wetyala amkele imali engaphantsi kokuhlawula ngokupheleleyo. Uphando kwaye uqinisekise yonke imimiselo yemingcele kunye nomda wexesha lokubika ngetyala ngaphambi kokuba uqale uxoxisana nomqokeleli wetyala.
5. Faka umqondiso kwizinto ozithintekayo ukuhlawula
Ukuhlawula ukuqokelela kwamatyala kubalulekile, ingakumbi ukuba kukugcina ekuphuculeni i-credit yakho okanye ukuvunyelwa kwamanye amakhadi-mboleko kunye nemboleko. Ngaphambi kokuba unikele ngenkokhelo kumqokeleli wetyala, qwalasela ezinye izibophelelo zemali. Khangela ibhajethi yakho - ingeniso yakho kunye neendleko - ukufumanisa oko unokukwazi ukukuhlawula ityala. Cinga ukuba unokuyihlawula yonke into yesigxina okanye uyiphule kwiintlawulo ezimbalwa. Hlalani nikhumbule, abaqokeleli beetyala baya kufuna ukuqokelela ngokubanzi njengoko banako ngokukhawuleza njengoko banakho, ngoko ukusabalalisa iintlawulo zakho ngaphezu kweenyanga ezimbalwa akuyi kuba yinto.
Unako, umzekelo, unikezele ukuhlawula isamba semali engama-3,000 kwi $ 5,000. Uya kucela ukuba umqokeleli wetyala azukise inkokhelo yakho njengeneliseko ngokupheleleyo kwityala, oku kuthetha ukuba umqokeleli ukhansela i-$ 2,000 ekhoyo. Okanye, unokunikela ukuba wenze iintlawulo ezine zenyanga ze-$ 1,250 ukuhlawula ngokupheleleyo ityala. Qinisekisa ukuba unokukwazi ukuhlawula oko unikeleyo. Emva kokuba umqokeleli wetyala awamkele, unokuba nefestile encinci yokwenza intlawulo. Le nkqubo yaziwa ngokuba yi- settlement settlement .
6. Yazi indlela intlawulo yakho eya kukuchaphazela ngayo
Qaphela ukuba isiphi isibonelelo sakho sithetha kuwe. Inkokhelo yakho iya kuxelwa kwi-credit bureaus ukuba ityala linakwixesha lokunika ingxelo ngekredithi-eyiminyaka esixhenxe kwiintlawulo ezininzi. Ukuhlawula ngokugcwele ngokuqhelekileyo kubonakala kungcono kunokuba kulungiswe ityala lakho, kodwa intlawulo ibonakala ingcono kunokuba ingekho intlawulo.
Naliphina inkokhelo kwi-matyala iya kuqalisela kwakhona ummiselo wokunciphisa ityala ekunikeni ixesha lokuqokelela ityala ixesha elide. Kubalulekile ukuba ube nesivumelwano esiza kuzalisa ityala kunye nokuphelisa umngcipheko wokugwetywa kwixesha elizayo.
Ukumisela ityala lakho kunokubakho impembelelo yerhafu. Ukuba ngaphezulu kwe-$ 600 yetyala lakho likhanseliwe, umqokeleli kufuneka abike inani elikhanselelweyo kwi-IRS. Uya kuthunyelwa ifom ye- 1099-C ukufaka ityala elikhansekileyo njengeniso kwimbuyekezo yakho yerhafu elandelayo.
7. Yilungiselele i-Counteroffer
Qala uxoxiswano ngokunikela intlawulo engaphantsi kweyona nto ufuna ukuyihlawula. Umqokeleli weetyala uya kulwa nomlinganiselo ophakamileyo kunokuba wakho umnikelo okanye unokugxininisa ukuba uhlawule imali epheleleyo. Injongo kukugqibela ukufumana umqokeleli wetyala ukuba avumelane nemali ephantsi okanye ngaphantsi kwento oye wanquma ukuba unokukwazi ukuhlawula.
8. Hlala phantsi wakho
Abaqokeleli bematyala basebenzise nayiphi na ulwazi abanokuyifumana malunga nawe ukuqokelela ityala kuwe - ngoko uqaphele malunga nento oyichazayo kwiintetho zakho. Hlala ekulawuleni iimvakalelo zakho kungakhathaliseki ukuba uthini kwaye uthethe kuphela ngesibonelelo sakho. Gwema ukuxoxa ngengeniso yakho okanye ezinye iimbopheleleko zemali ngaphandle kokuba uqinisekile ukuba ukunika le ngcaciso kuya kuxhamla uxoxiswano lwakho.
Qaphela ukuba abaqokeleli beetyala banokufikelela kwingxelo yengxelo yakho yemali kwaye bangasebenzisa ulwazi kuyo - njengemali-mboleko emitsha okanye iintlawulo ezifike ngexesha lakho kwezinye i-akhawunti-ukukunyusa ukuba uhlawule ngaphezu kokuba unikezele. Hlala ulawulo lwencoko kwaye umele uqine kwizinto ozilungeleyo nokukwazi ukuhlawula. Ungavumeli ukuba umqokeleli akuxhase ukuba uvumele ezinye izibophelelo zakho zezemali zidibanise.
Kufuneka uhambe ngeenxa zonke kunye nomqokeleli wetyala ngaphambi kokufikelela kwisivumelwano. Ungamangaliswa ukuba uphelisa ukuthetha nabantu abambalwa abahlukeneyo kwi-arhente yokuqokelela. Gcina amanqaku kuzo zonke iinkcukacha zakho zonxibelelwano nabaqokeleli beetyala, ukuphawula ukuba ngubani othe wathetha kunye neenkcukacha malunga nencoko.
9. Fumana isiVumelwano ekuBhalweni
Xa wena kunye nomqokeleli wetyala sele ufike kwixabiso lokuhlawula elisebenzela bobabini, fumana isivumelwano ngokubhaliweyo. Oku kubaluleke kakhulu ukuba usebenze ilungiselelo lokuhlawula okanye imali yokuhlawula. Musa ukwenza intlawulo uze ube nesivumelwano esibhaliweyo evela kumqokeleli wetyala.
Gcina ikopi yesivumelwano kunye nobungqina beentlawulo ozenzayo kuphela xa kukho umbuzo malunga nokuba unelisekile ityala.
Kwabanye, kubulula ukubhala isheke sexabiso elipheleleyo kwaye kwenziwe ngetyala ngokupheleleyo. Kodwa, ukuba ukhangele ukugcina imali kwi-matyala okanye awukwazi ukuhlawula ngokupheleleyo, uxoxisana nentlawulo encinci kufuneka umzamo. Unokwenza oku ngokwakho, nangona kufuneka uthayiphe itekisi ukuze uqale uxoxiswano. Ixabiso elingabizi ngaphaya kokuqeshisa inkampani yokunceda ityala ukuxoxisana egameni lakho.