Indlela Iimali Zemivuzo Ezingabasebenzi Zisebenza
Iindlebe zemivuzo, eyaziwayo njengeengxelo eziphathekayo ezisemthethweni, zikunceda ukuba ugweme ukumangalisa ngokubonelela ngolwazi olufunayo kwindawo enye.
Emva kokuba iboleji ihlawulwe, unokufumana uhlobo oluthile lwenkokhelo eqinisekisa ukuba intlawulo yakho ifunyenwe kwaye i-akhawunti yakho ivaliwe.
Leyo leta ingasetyenziswa njengobungqina bokuba imali yakho mboleko ihlawulwe ngokupheleleyo kwaye awunakho uxanduva olongezelelweyo.
Iisiseko zeeNcwadi zoNcedo
Xa ufuna ukuhlawula imali mboleko, uqikelele ukuba kubaluleke kangakanani ukuba uhlawule umvuzo.
Intlawulo yenzalo iya kufakwa kwi-balance balance yakho yonke imihla (okanye nganye inyanga), ngoko imali omele uyihlawule rhoqo. Ukuba uzama nje ukubhala isheke usebenzisa ibhalansi yemboleko eboniswe kwisitatimende sakho sokugqibela, kunethuba elihle lokuba uyahluleka ukuhlawula yonke into oyibolekisileyo. Isiphumo siya kuphazamiseka: Uzakufuna ukwenza iifowuni, uthumele iintlawulo ezongezelelweyo, ulinde ixesha elide kunokuba ulindele ukuba ityala lakho lipheliswe.
Ukuthintela iingxaki, unokucela itekisi yenzuzo, kwaye umnini-mboleko wakho uya kunika umqulu osemthethweni ngemiyalelo malunga nendlela yokuhlawula ngokupheleleyo umboleko kwintengiso enye.
Iindleko zemivuzo ngokubanzi zibonelela ngolwazi olulandelayo:
- Umhla apho inani lokufumana imali lilungile (eli lixesha elidlulileyo lokwenza inkokhelo yakho)
- Ukuba uhlawula ngetshekethi, ngubani omele ahlawule (kunye nokuba ufuna i-checksheet )
- Ukuba uhlawula ngotshintsho lwefowuni , apho ungathumela khona imali
- Naliphi na iindleko ezifunekayo zibandakanye nentlawulo yakho (iintlawulo ezihlawulwe okanye iifizi zokuvala i-akhawunti, umzekelo)
- Ingakanani ukutshintshela intlawulo xa uhlawula ngaphambi okanye emva komhla wokuvalelwa kweprojekthi (oku kukunceda ukuhlawula umlinganiselo ofanelekileyo wenzuzo ukuba awukwazi ukuhlawula ngomhla ochanekileyo ochazwe kwileta)
Indlela yokufumana i-Letter Benefayo
Ukuze ufumane itekisi yokufumana inzuzo, cela umboleki wakho kwisitatimende esikhankanywe ngokusemthethweni.
Ngokuqhelekileyo unokuthi ucele ukubhala kwinkonzo yabathengi, okanye unokwenza isicelo nge-automatic system. Ngelixa ungene kwi-akhawunti yakho, khangela iinketho zokucela okanye ukubala inani lokufumana imali, kwaye unike iinkcukacha (njengosuku lwakho olufunwa ngumvuzo).
Udinga kuphela ukucela ileta yokufumana inzuzo xa uhlawula ityala ngokwakho - umzekelo, ukuba unayo isamba semali ofuna ukuyisebenzisa ukuze ufumane imali yokuqala . Ukuba uhlaziywa okanye uthengisa ikhaya lakho, umthengisi wakho omtsha okanye inkampani yetayitile iya kukwenza isicelo sakho (kufuneka uxelelwe ukuba kuceliwe isicatshulwa somvuzo).
Iindleko zokuTyala kweMatyala mahala
Umrhumo wesizukulwana: Lindela ukuhlawula imali enokumodareyitha ngencwadi yokufumana inzuzo, kodwa kwezinye iimeko inkonzo ikhululekile. Iindleko zinokuxhomekeke kwindlela oyifumana ngayo le leta - cela umthengi inkonzo ngeenkcukacha. Ngokomzekelo, ezinye iibhanki zithumela i-document ngaphandle kwesiqinisekiso kodwa zihlawulisa i-$ 25 ukuze i-imeyile okanye uyifeksele yona.
Imirhumo yokucwangcisa : Unokufuneka uhlawule iintlawulo zokuhlawula umvuzo wakho. Le yintlawulo evela kumboleki wakho wokusingatha intlawulo kunye nokuvala i-akhawunti yomboleko.
Izigwebo zokuhlawulwa kwangaphambili: nangona iinqabileyo, izigwebo zokuhlawulwa kwangaphambili zikhona nakwiimali mboleko.
Sebenzisa imizuzu embalwa ufunde ukushicilelwa okulungileyo kwisivumelwano sakho semali-mboleko okanye uxoxe kunye nenkonzo yabathengi. Qinisekisa ukuba uyaqonda ukuba kuya kuba yindleko enjani ukuhlawula imali-mboleko - kwaye qinisekisa ukuba uthumele ngokwaneleyo ukuze ivalwe i-akhawunti yakho yokuqala yokuzama.
Quotes Quotes
Unokucela kwakhona iingcaphuno zentetho evela kumbolekisi wakho (kwaye, ukuba uthanda, cela ukuba zilandele ngokuthumela incwadi). Awunakho uxwebhu olusemthethweni nolusemthethweni, kodwa uya kuba nombono onzima wokuba ufuna imali engakanani ukuze uhlawule umboleko wakho. Unako ukuqhubela phambili ngokuhlawula ngokusekelwe kwisicatshulwa somlomo - kodwa ukuba unolwazi olungalungileyo awuyi kuba naluphi na umvuzo.
Ukusebenzisa isicatshulwa somlomo kusemngciphekweni kwintsebenziswano ebalulekileyo. Kodwa ukuba awukhathazeki malunga nokuba kuthatha ixesha elide ukulungisa izinto ngaphandle (kwaye unokulinda ngeenxa zonke xa imali ikhutshulwa kwaye i-akhawunti ihlaziywa), isixa somvuzo sithetha ukuba ufumene ibhola.
Iintlawulo zeeNcwadi njengeziqinisekiso
Olunye uhlobo lwencwadi yokunceda luleta ufumana emva kokuba uhlawule ngempumelelo imali. Le leta ikwazisa ukuba ityala liyaneliswa, kwaye kunokuba luncedo xa ufuna ukufakazela ukuba umboleko awukho. Ngokomzekelo, ukuba uthengisa imoto oyifumane imali ngokutsha , umthengi wakho unokunganqikazi ukuqhubela phambili ukuba ungenaso isihloko esicacileyo. Ingathatha ababoleki ithuba lokususa izibilini nokuthumela izihloko (ngelanga), kodwa olu hlobo lwencwadi lunokukunceda ugcine izinto zihamba.
Ileta yokufumana inokuthi ifumaneke ngokufanelekileyo ukuba unempazamo kwingxelo yakho yekhredithi . Ukuba i-credit bureau yichaza ngokungalunganga imboleko oye uyihlawula, baya kufuna iimpazamo zokususa loo mpazamo. Ileta evela kumboleki (phakathi kwezinye izinto) kufuneka ikuncede ufumane iiposiso .