Yiyiphi i-deferment?
Ukumiswa kwimeko yesikhashana evumela ukuba uhlawule iintlawulo zakho zemboleko. Naliphi na iintlawulo ozilahlekileyo ziya kwongezwa kwimbuyiselo yakho.
Ngokuxhomekeke kuhlobo lomboleko okhoyo, iindleko zenzalo ziyakongezwa mboleko, okanye ezo ndleko ziza kuhlawulwa.
Indlela yokuThatheliswa
Ukuba unenkcitho enzima yokwenza iintlawulo, thetha nomboleki wakho malunga neenketho zakho. Ukuchaswa kukuphela kweendlela ezinokukhetha - kwaye kungenokuba kungcono kukukhetha.
Ababolekisi baya kufuna ukuba ulungele ukumiswa kwaye ufake isicelo ngaphambi kokuba uyeke ukwenza iintlawulo.
Ukufaneleka: akusiwo wonke umntu ofanelekileyo wokumiswa. Qinisekisa iinkcukacha kunye nomboleki wakho, kodwa ezinye iimeko eziqhelekileyo ziquka:
- Ubuncinane ubuncinane bexesha lokubhalisa esikolweni
- Ukungasebenzi okanye ubunzima bezoqoqosho
- Inkonzo yempi yemisebenzi
- Ukuthatha inxaxheba ekuvuseleleni ixesha elipheleleyo kubantu abakhubazekileyo
- Ngokuxhomekeke kumniki-mboleko wakho, ngexesha le-internship-related internship okanye iinkqubo zokuhlala
Kwakhona, thetha nomboleki wakho - unokufanelekela uncedo olungaboniswa kule khasi.
Iindleko zentsalo ngexesha loPhephalo
Awunayo ukuhlawulwa kwemali mboleko kwi-deferment, kodwa oko akuthethi ukuba inzala iyeka ukunyuka .
Ukuba uncedise ngemali mboleko , urhulumente wephondo uza kuhlawula iindleko zakho zomdla, ngoko kuya kufuneka wenze kuphela iintlawulo zakho ezingekho phantsi ekupheleni kwexesha lakho lemboleko.
Ukuba iimali-mboleko zakho azixhaswanga, uya kuba noxanduva lweendleko zomdla. Ukuba uthanda, unokuhlawula iindleko zenzalo nganye ngenyanga njengoko inzala ityala - le yindlela efanelekileyo yokusingatha umdla, kwaye iya kubiza ngaphantsi kwexesha elide.
Kananjalo unakho ukhetho lokuvumela ezo ndleko zentshisekelo zifakwe kwi-balance balance yakho okanye "i-capitalized" . Kuloo meko, uya kuhlawulwa ngakumbi emva kokumiswa kwakho.
Ukuba awufaneleki
Ukuba awukwazi ukufumana imvume yokumiswa, kunokukho ezinye iindlela. Kwintetho kunye nomboleki wakho, unokuchaza imeko yakho kwaye ufunde kabanzi malunga neendlela ezikhethile
- Ukunyamezela , njengento yokumisa, kukuvumela ukuba umise okwesikhashana intlawulo. Kulula ukuyifumana, inokusekelwe kwiintlawulo zakho zenyanga malunga nenzuzo yakho (ukuba iintlawulo zakho zithatha ubuncinane i-20% yengeniso). Ngelishwa, inzala iya kuqhubeka ihlawuliswa kuyo yonke imali-mboleko, kubandakanywa nezibolekiso ezixhaswayo.
- Ezinye izicwangciso zokubuyiselwa kwakhona zinokukunika igumbi lokuphefumula. Esikhundleni sokwenza inkokhelo efanayo ngenyanga, unokuqwalasela ukunweba iintlawulo zakho ngexesha elide, uhlawula iintlawulo zakho kwingeniso yakho kwaye ubeka ishedyuli yokunyuka kweentlawulo. Ukuba uthabatha le ndlela, khumbula ukuba unakho ukuhlawula umdla ngaphezu kwemali yakho mboleko.
- Ukuhlanganiswa kwemali kungabangela iintlawulo ezincinane, ngakumbi ukuba ukhetha ixesha elide lokuhlawula.
- Utshintsho kwixesha lakho elifanelekileyo lokuhlawulwa lenza ukuba kube lula (ixesha lokuba uhlawulwe kungekudala ngaphambi kokuhlawulwa kwakho kwentlawulo).
- Ukucebisa ngetyala nge-Counter Counseller Counsellor (Certified Consumer Credit Counselor) kunokukunceda ufumane ukulawula ityala lakho.
Ukuba iimali-mboleko zakho zibolekwa ngemali yomfundi, iziphumo zakho zokufumana ukuphucula zilunge . Ngemali-mboleko yemali yabangasese, ukuchithwa kwemali kunokusasazeka, kodwa inkqubo ayifani ngqo.
Qhubeka uhlawula
Nangona imali ibambelele, kubalulekile ukuqhubeka wenze iintlawulo zakho kude kube isicelo sakho sokumiswa sivunyiwe. Ungacingi ukuba uza kufaneleka kwaye uyeke ukuhlawula.