Izinketho zokubolekisa amatyala
Imboleko yemali yokuhlanganiswa kwetyala ikuvumela ukuba udibanise onke amatyala akho ibe yinye yemali mboleko ephantsi. Oku kunenzuzo ngokukhethekileyo xa unamatyala omrhumo ophezulu.
Ukudibanisa amatyala akho ngale ndlela kukuvumela ukunciphisa intlawulo yakho yenyanga kunye nokwenza kube lula kuwe ukuhlawula iindleko zakho zenyanga. Kukho iintlobo ezimbalwa ezahlukeneyo zemali-mboleko ongazisebenzisa ukuqinisa ityala lakho.
Imali yeMali Yezindlu
Imboleko yemali yokulingana ekhaya ngumboleko owenziwe usebenzisa ubulungisa kwikhaya lakho njengobuncwane. Ngokuqhelekileyo kufuneka ube nenani elilinganayo lokulingana kwindlu yakho kunye nekhredithi efanelekileyo ukuze ufumane imboleko yemali. Nangona amaxabiso enzala ayenzi ngaphantsi kwezinye iintlobo zemali-mboleko, umonakalo kukuba ikhaya lakho ngoku likwinqanaba le-credit card yakho. Ukuba iintlawulo zingenakulungeleka, ujongene nokuvalwa kwendlu yakho. Ngenxa yoko, akusiyo ingcamango efanelekileyo yokusebenzisa imali mboleko yemali njengetyala lokuhlanganiswa kwetyala.
I-Credit Card Balance Transfer
Ngethuba lokutshintsheliswa kwekhadi lesikweletu, udlulisela izilinganiso zekhadi lakho lekhredithi kwikhadi lekredithi elilodwa, ngokuqinisekileyo ngezinga eliphantsi lomdla.
Ixabiso lentlawulo yokunciphisa ibhanti ngokuqhelekileyo iirhafu zokukhushulwa eziphelelwa emva kweenyanga ezi-6. Ukuba ukhetha ukudlulisela amabhalansi, qiniseka ukuba uyazi ukuba izinga eliphantsi liya kuphelelwa lixesha kunye nomyinge wenzalo oqhelekileyo oya kusebenza kwimali eseleyo. Ukuba ufuna ukusebenzisa ukutshintshela kwekhadi lesikweletu njengemali-mboleko yokuhlanganiswa kwetyala, uya kufuna ikhadi lekhredithi elinomda omkhulu ngokwaneleyo wokubambisa ityala lakho lekhadi lesikweletu.
Kukho ukuphazamiseka kokuhlawulela amatyala kunye nokutshintshwa kwemali- ukutsalwa kumanqaku akho ekhredithi . Ukubeka ityala elininzi kwikhadi lesikwerethi kungabangela impembelelo embi kumanqaku akho ekwereti njengoko ukusetyenziswa kwakho kwetyala kukunyuka. Iindaba ezilungileyo kukuba i-credit score score will rebound as you pay down the balance.
Imboleko Yomntu
Imboleko mboleko ingasetyenziselwa ukuboleka iimali-mboleko zemali-mboleko ukuba unokuboleka umboleko omkhulu ngokwaneleyo ukufihla zonke izilinganiso zakho. Imboleko mboleko ngumboleko ongakhuselekanga oye wathatha iintlawulo kwixesha elimisiweyo. Emva kokuba uvunyiwe ukuba uboleke imali, ungayisebenzisa ukuze udibanise amatyala akho.
Ngokuxhomekeke kwinqanaba lakho lokuthenga ngetyala, unokuba neengxaki zokufumana imvume yokuboleka imali. Ukuba unetyala elibi ungavunyelwa kodwa kwizinga eliphezulu lomdla, okanye awuvumelekanga nonke. Ukuthatha isantya somyinge ophezulu kukuvumela ukuba udibanise izilinganiso zakho, kodwa awukwazi ukugcina imali ngexesha elide.
Iingxowa-mali zokuXhobisa amatyala
Ukubolekwa kwemali mboleko kuxhaswa ngamabhanki kunye neemanyano zentengo ngenjongo yodwa yokudibanisa amatyala akho. Ukubolekwa kwemali mboleko kuhluka, ngoko kubalulekile ukuba ukhethe ngokuhlakanipha. Iingxowa-mali zokuhlanganiswa kwezikweletu zinomlinganiselo onomtsalane ongaphantsi kwimivuzo oyihlawula ngoku.
Qaphela ukuba ngamanye amaxesha inkokhelo yenyanga ephantsi ifumaneka ngokunyusa ixesha lokubuyisela. Oku kunokuthetha ukuba uhlawula inzala engaphezulu ngenxa yesalathiso esiphezulu sokuhlawula.
Ukukhetha Udidi lweMali yoThutho lweMatyala
Yazi ukuba nayiphi na inhlobo yemali mboleko yokuhlanganiswa kwetyala, awukhiphi ngokupheleleyo ityala lakho. Kunoko, uvele uyigxotha ukuze kube lula ukuhlawula. Uya kuziva ngathi unetyala elincinci kwaye unokulingwa ukuboleka ngaphezulu. Ziqhelise uqeqesho kwaye ugweme ukuboleka de emva kokuba emva kokuhlawulwa kwetyala lakho lokubolekisa amatyala. Nangona kunjalo, kubalulekile ukuba usebenzise isigqibo esilungileyo ngokuthatha ityala elongezelelweyo.