Abacebisi ngeNgxowa-mali banokukunceda, kodwa Hlola okukhethwa kukho
Ukuba unzima nokufunda indlela yokuphuhlisa uhlahlo lwabiwo-mali ukuze ufumane iimali zakho ezihlawulwa ngexesha ngalinye ngenyanga, unokucinga ukuba usebenzisa umcebisi wezikweletu ukuba ubuyele kumzila. I-arhente yokucebisa ngeekredenti zabathengi ayizinzuzo ezingakunceda ukuba ufumane isisombululo esisebenzayo kwiingxaki zemali.
Nangona kunjalo, ii-arhente zeentengiso ezingenzi nzuzo zihlawulisa iintlawulo ezingapheliyo ezingasetyenziswa ekunciphiseni amatyala .
Xa uqwalasela umcebisi wezikweletu, kubalulekile ukusebenzisa ulumkiso. Qaphela kwaye uyazi ukuba ukhangele ntoni ukuze ufumane iinkonzo ezisemthethweni zokucebisa ngeengxowa eziya kunciphisa, kungekhona ukungezelela, ityala lakho.
Yintoni enokuyilindela kwi-Arhente yokuCetyiswa ngetyala
Ii-arhente ezihloniphekileyo zinika iingcebiso ngezolawulo lwemali, zinokukunceda ngokulungiselela uhlahlo lwabiwo-mali kwaye unikeze ii-workshops zemfundo zamahhala kunye nezibonelelo. Abacebisi abalungileyo baqinisekisiwe kwaye banikeze iingcali zemali kunye neengxowa-mali zokulawulwa kwetyala ukukunceda.
Iseshoni yokuqala yokucebisa inokugcina ubuncinane iyure kunye neeseshoni zokulandela ezicwangcisiweyo ukuba ziyimfuneko. Umcebisi uya kuxubusha imeko yakho yezemali nawe ukuphuhlisa isicwangciso somntu ekujongeni lakho ityala kwaye ufumane iimali zakho ngendlela. Ngokuxhomekeke kumyinge wetyala lakho umcebisi unakho ukucebisa isicwangciso solawulo lwetyala apho wenza iintlawulo zenyanga kwi-arhente kwaye zihlawulela bakho abathengi.
Umcebisi uya kuxoxisana ngeemali ezikhawulezileyo, iintlawulo zenzalo ezantsi, kunye nezandiso zexesha kunye nababolekisi bakho.
Musa ukubhalisa kunye ne-arhente ebango ukuba iinkonzo zabo zichanekileyo . Ezi arhente zifuna ukuba iinkonzo zabo azichaphazeli i-credit yakho. Bangakuxelela ukuba uyeke ukuhlawula abathengi bakho kwaye uthumele loo mali kwi-arhente.
Le ngcamango embi ngezizathu ezintathu.
Okokuqala, iintlawulo zexesha elifutshane zingonakalisa amanqaku akho. Umlinganiselo wekredithi ophantsi ungenza kube nzima ngakumbi ukufumana i-credit entsha emva koko kwaye kunokuchaphazela nokukwazi kwakho ukurenta indlu okanye ukufumana inkonzo yefowuni egameni lakho. Amanqaku angalunganga, kuquka ukuhlawulwa kwexesha, angahlala kwimbali yakho yemali ukuya kwiminyaka esixhenxe.
Okwesibini, akukho siqinisekiso sokuba abathengi baya kwamkela inkokhelo . Bangayenqaba nayiphi na imigaqo ephakanyiswayo yenkxaso-mali, eyokushiya inokuba yimeko embi ngakumbi xa uqala. Ekugqibeleni, iifizi zokugqibela kunye nomdla ophezulu kwii-balance balance. Yiyo imali oza kufuneka uyihlawule, ngaphezu kwayo nayiphi na imali ephezulu kakhulu.
Indlela yokukhetha i-Arhente yokuCetyiswa kweNgxowa yabathengi
Xa kuthelekiswa nabacebisi ngezekhredithi zabathengi, kukho izinto ezimbalwa zokugcina engqondweni.
Cinga ukuba iflegi ebomvu ukuba i- arhente yokucebisa ngekhredithi ayithumeli ulwazi olukhulu malunga nombutho ngaphambi kokucela iinkcukacha malunga neemeko zakho. Hlola i-Business Business Bureau, i-arhente yokhuseleko yabathengi, kunye neSizwe soMcebisi ngeNgcebiso ngeNgcebiso malunga nokusemthethweni kwoluhlu lwee-arhente ezinokululeka.
Le mibutho iyakwazi ukuchonga naziphi na izikhalazo zabathengi. Nangona kunjalo, ukungabi nesikhalazo asikho isiqinisekiso sokuthi basemthethweni.
Njengomthombo wolwazi olulandelayo, qhagamshelana neNkqubo ye-United States iTrasti yohlu lwee- arhente zengcebiso zekhredithi ezivunyiweyo ezingabonelela ngeengcebiso zangaphambili.
Emva kokuba unqamle uluhlu lwakho, cela i-agency ye-credit counseling kule mibuzo:
- Ziziphi iinkonzo zakho? Ufuna inhlangano eneenkonzo ezininzi ezifana neengcebiso zebhajethi kunye neeklasi zokulawulwa kwetyala . I-steer ecacileyo yearhente enesicwangciso solawulo lwetyala (DMP) njengona khetho kuphela. Bamele banikeze ezinye iinkonzo zokucebisa.
- Ngaba unika ulwazi lwamahhala? Imibutho ayifanele ihlawulise izinto zokufundisa okanye ulwazi malunga ne-arhente.
- Ngaba uhlawula iirhafu? Fumana intlawulo ecacileyo yokuseta okanye iindleko zenyanga, ukuba ziyasebenza.
- Unokundinceda njani ukuphepha iingxaki zamatyala esizayo? Ufuna isicwangciso sokulawulwa kwetyala , kungekhona isicwangciso esheshayo sokulahla izibophelelo zamatyala.
- Ngaba le nkonzo ilayisenisi yokubonelela ngeenkonzo zolawulo lwezezimali kwilizwe? Ingaba ngabacebisi bakho baqinisekiswa kwaye baqeqeshwe lilungu elingabambiseneyo?
Ukuba ungena kwi-arhente yokucebisa ngekhredithi engafuni ukuphendula imibuzo yakho okanye ithi ayikwazi ukukunika nayiphi na inkcazelo uze ubenike ulwazi lwakho lwe-akhawunti yebhanki okanye uhlawule umrhumo, kuyisilumkiso sokuxwayisa ukuba asinakuhlonishwa. Kwimeko apho, ulungele ukuthetha ngokubonga, kodwa akukho mbulelo kwiinkonzo zabo.
Ingaba i-Arhente yeCredit Counselling Agency?
Ukuthetha kunye nee-arhente zengcebiso zabathengi ngetyala nje kuphela. Emva koko, kufuneka uqaphele ukuba ngaba iinkonzo ngokwenene zifuna oko, okanye ukuba unako ukwenza okunye ngokwakho. Khumbula, ukululekwa ngetyala kungenzi nto ongenakuyenza; bavele banikeze izikhokelo zendlela efanelekileyo yokulawula ityala lakho. Unokuqhagamshelana nabathengi kwaye uxoxisane nemigaqo yokuhlawula yeakhawunti yakho. Nabani na onokukwenza ngokwabo, kodwa ngamanye amaxesha abantu badinga uncedo oluncinci lokuhlala kwindlela.
Olunye uqikelelo kukuba ingaba ungeke uqeqeshwe ekusebenziseni imali kunye nokudala izibophelelo zezemali ngaphandle kokuncediswa kweengcebiso ngekhredithi. Aba bacebisi bangakuqeqesha ukuba uhlale ujolise kwiinjongo zakho zemali. Isizathu sokuqwalasela ezi nkonzo kukuba uwile umendo wezemali. Ukusebenzisa uncedo lwenkonzo yeengcebiso ngekhredithi kunokukunceda uzinze imali .
Ukuba ugqiba ukusebenzisa i- credit counseling iinkonzo , funda isivumelwano sesivumelwano ngaphambi kokuba usayine. Ikhonterikethi kufuneka ibhengeze imali okanye ixabiso lemali; inkcazo yeenkonzo; ishedyuli yokuqikelela; amalungiselelo okuphelisa; kwaye, inkqubo yokulungisa isombululo. Cela ukucaca nawaphi na amalungiselelo ongawaqondiyo.
Umnqweno wenkululeko yemali yinto eninzi abantu abelana ngayo. Ukuba ugqiba ukusebenzisana ne-arhente yomthengi weengxowa-mboleko, qinisekisa ukuba iinjongo zabo zifanisa neyakho kwaye awubophelelwanga kwisigameko esinokukufaka emgodini omkhulu wemali.