Amakhadi esikwereti kunye neerhafu zokuqala ezinye zezinto ezikhanga kakhulu kuzo zonke iikhadi zamatyala. Isantya sokuqala sivumela umnikazi wekhadi ukuba anandiphe inyanga eziliqela okanye iindleko zokuhlawula ngezantsi okanye akukho nzala kwimali ethile. Izingeniso zokuqala, ezivame ukunikezelwa kubafaki-zicelo abaneziphumo ezilungileyo okanye ezifanelekileyo zekhredithi , zinikezwa ngeakhawunti zamakhadi amatyala.
Izinga lokuqala lingasebenza kuphela kuhlobo oluthile lokulinganisela, umzekelo, kuphela ukuthenga okanye ukulungelelanisa ukudluliselwa .
Kodwa, amanye amakhadi ekwereta asebenzisa isantya sokuqala kokuthenga kunye nokuhanjiswa kwemali. Akunakwenzeka ukuba isantya sokuqala singasetyenziswa kwi-cash advance.
Imimiselo yekhadi lakho lekhredithi linokufuna ukuba wenze uhlalutyo lwemali phakathi kwexesha elithile okanye ngomhla othile ukufumana isantya senzala. Ukudluliselwa kweemali ezenziwe emva kwaloo mhla kungahlawuliswa inzala esekelwe kwinqanaba lokutshintshela imali.
Ixesha lokuQala lingakanani ixesha lokugqibela?
Ngokomthetho, amaxabiso angeniso kufuneka ahlale ubuncinane ubuncinane kwiinyanga ezintandathu, kodwa unokuba luninzi kunokuba kuxhomekeke kwikhadi lekhredithi. Unokubona amakhadi ekhredithi ngamanani angeniso kwiinyanga ezili-6, iinyanga ezili-12, kwimizuzu engama-21.
Umnikezeli wekhadi lokuthenga ngekhredithi angachaza ixesha lokuqala kwiinyanga okanye iindleko zokuhlawula. Qaphela ukuba umjikelo wenkokhelo ngokuqhelekileyo ukwedlula inyanga yekhalenda, isantya sokuqala somjikelezo we-12-billing empeleni sibe mfutshane kuneenyanga ezili-12.
Ngokomzekelo, kwikhadi lekhredithi elinomjikelezo weentsuku ezingama-27, inqanaba lokusungula inyanga eli-12 liza kuqhubeka iinyanga ezili-10 kunye neeveki ezi-3.
Xa uyamkela ikhadi lokuthenga ngetyala ngezinga lokungenisa, qiniseka ukuba ubeka ingqalelo ubude bexesha lokuqala. Ngale ndlela, unokugxila ekuhlawuleleni ibhalansi yakho ngaphambi kokuba ixesha lokuqalisa liphele.
Inzuzo yeSingeniso
Izinga lokuqala zikhangeleka kuba zivumela abanikazi bamakhadi ukuba bakhokhe imali encinci kwiimali zentlawulo kunokuba babeya kwikhadi lekhredithi elinomyinge ophezulu. Izilinganiso ezinkulu ezinomyinge omkhulu wenzalo ngabaviwa abakhulu bokufudukela kwikhadi lekhredithi entsha ukuze intlawulo yakho yenyanga ihambe ekubhekiselele ekunciphiseni ibhalansi yekhadi lesikweletu, kungekhona nje kumdla.
Izinga zokuqala ziphantsi kakhulu, ukusuka kwi-0% ukuya kwi-4% kwiinyanga ezintandathu ukuya kwi-21. Abanini bamakhadi bangayisebenzisa ngokufanelekileyo inqanaba lokuqala ngokuhlawula ibhalansi yekhadi lesikweletu ngaphambi kokuba ireyithi iphelelwe.
Emva kokuba uvunyiwe kwikharityhulam yekhredithi ngenani lokungenisa, inqaku elilinganiselayo lifumana umyinge kunye nomhla wokuqalisa isantya sakho sokuqala. Phawula ukuphela kwexesha lokuqala kwi calender yakho ukuze uqiniseke ukuba uhlawula ibhalansi yakho ngaphambi kokuba isantya sokuqalisa siphelelwe yisikhathi.
Ukuba uzama ukuhlawula ibhalansi phantsi kwe-0% yokukhuthaza inzala, kwahlula ibhalansi ngenani leenyanga kwixesha lokuqala ukuze wazi intlawulo oyifunayo ukwenza ukuhlawula ibhalansi yakho. Umzekelo, ukuhlawula ibhalansi ye-4,000 phantsi kwe-13-month-promotion promotion interest, kufuneka uhlawule malunga ne-308 yeenyanga nganye.
Indlela Ongayilahla Ngayo Isingeniso Sokuqala Ngaphambi kokuba Iphelelwe yisikhathi
Isilinganiso sakho sokuqala singaphelanga ngaphambi kokuba ufike kwiintsuku ezili-60 emva kwexesha lakho lokuhlawulwa kwekhadi lesikweletu. Ukuba oko kwenzeka, ireyiti yekhredithi yekhadi lakho lesikweletu linga kunyuka kwizinga lesohlwayo , eli lizinga eliphezulu lentlawulo ehlawulwe kwikhadi lekhredithi.
Ngelishwa, xa ulahlekelwe isantya sakho sokuqala, awukwazi ukuwufumana. Kwaye ukuhlawulwa kwexesha lokugqibela kuya kuhamba kwingxelo yakho yekhredithi engakukhusela ukuba ufanele ukufumana isantya sokuqala kwenye ikhadi lekhredithi.
Iingqinisiso zeNtshayelelo kunye nomdla ochaphazelekayo
Kukho uhlobo lokukhuthazwa kwentlawulo yesantya ekwazi ukudideka ngokulula ngesantya sokuqala. Izitolo ezininzi zibonelela ngesicwangciso senzala esivumelekileyo ukuba sikhokhele inzala xa kuthengwa inani elithile leenyanga.
Kodwa kukho ukubamba. Kufuneka uhlawule ibhalansi epheleleyo yokukhuthazwa ngaphambi kokuba ixesha lokuphromotha liphele. Ukuba kukho nayiphi na ibhalansi ehleliyo xa ixesha lokuphromotha liphela, uya kuhlawuliswa inzala kumhla wokuthenga.
Ubomi beKhadi leKharityhulam emva kweNqanaba lokuSungula
Usenokusebenzisa ikhadi lakho lekredithi emva kokuba isantya sokuqala siphelelwa yisikhathi. Izilinganiso ezintsha kunye naliphi na umlinganiselo ongenakho ukuhlawulwa ngelixa ixesha lakho lokuphela liza kuhlawulwa inzala esekelwe kwi-APR rhoqo. Ngenxa yokuba uhlawula umdla omkhulu kwikhadi lakho lesikweletu, iintlawulo zakho aziyi kuba nefuthe elifanayo kwibhalansi yakho yekhadi lesikweletu. Ngoko ke, ukuba ufuna ukuhlawula ibhalansi yakho emva kokuba isantya sokuqala siphelile, kuya kufuneka ukwandise intlawulo yakho yenyanga.
Nangona kunjalo, ukuhlawula ibhalansi yakho ngokugcwele inyanga nganye kukuvumela ukuphepha ukuhlawulwa kweerhafu zemali ekuthengeni nasekuhanjisweni kwemali.