Iinkonzo kunye neNgcengo yoNyango nganye
Xa kuziwa kwiimali ezixhamlileyo zabathengi ezifana namakhadi-mboleko kunye nemboleko mboleko, ezimbini iindlela ezithandwayo kakhulu zokunciphisa izinga lakho ziquka ukudluliselwa kwemali kunye nokubolekwa kwemali-mboleko .
Uthini umahluko phakathi kwezo zikhetho-kwaye ngubani owona mhle? Bobabini baneenzuzo kunye neempembelelo, kodwa unokwenza isigqibo esisisigxina xa uqonda imirhumo kunye nokuba ityala lakho lisetyenziswe njani ngoku.
I-Credit Card Balance Transfer
Ngethuba lokutshintsheliswa kwekhadi lesikweletu, udlulisela ityala kwikharityhulam entsha okanye ekhoyo. Ukwenza njalo, umniki wakho wekhadi unokubonelela ukuhlola okulula okanye ukuvumela ukuba ucele ukudluliselwa kwi-intanethi. Ukutshintshwa kwekhadi lokuthenga ngetyala kukhangeleka xa uyazi ukuba uya kuhlawula ityala ngokukhawuleza.
Kwimeko elungileyo, unokuhlawula inzala ye-0 ekhulwini lakho kwinqanaba, ubuncinci ixesha elincinane. Ukunciphisa iindleko zenzalo kunceda ukumisa ukuphuma ngenxa yokuba ibhalansi yakho mboleko iyeka ukukhula, kwaye i-100 ekhulwini nganye yentlawulo iya kuhlalutya ityala lakho. Kodwa qwa lasela ukushicilela okulungileyo.
Imirhumo: Fumana ukuba ngaba uya kufuneka uhlawule umrhumo wokuhlawula imali. Iindleko zihlala zijikeleze iipesenti ezi-3 zesixa osithumelayo, okanye isamba se dollar esincinci-naluphi na omkhulu. Naliphi na imali oyilondolozayo ukusuka kwisantya esenzalo esingaphantsi kufuneka ihlawulwe imali engaphezulu. Unokuthi uthathe iiflawulo zonyaka zonyaka xa uvula ikhadi elitsha lekhredithi.
Amanqanaba omdla: Ixabiso lentlawulo elungileyo lifumaneka kubaxhasi abanekhredithi enhle. Unokubona ukunikezelwa okulindelekileyo kwiintengiso, kodwa kufuneka uhlolisise oko umniki-khadi ekunikezela emva kokuhlawula i-credit yakho. Nangona ufumana i- 0 yeepesenti i-APR , elo nani lingenakuhlala ixesha elide. Khangela ukujonga ukuba izinga litshintsha kwaye kwenzekani emva kokuba ixesha lokuphromotha liphela.
Ikhredithi yakho: Izibonelelo zokudluliselwa kwe-balance are not bad for your credit, kodwa zingabangela iingxaki. Njalo xa ufaka ikhadi elitsha, ababolekisi bajonga iimbali zakho zeemali, kwaye loo mibuzo iyakwazi ukuphakamisa izikolo zakho zemali-mboleko . Ukuba nama-akhawunti amaninzi kakhulu (njengamakhadi-krediti) avulwe anganciphisa amanqaku akho. Ukuba ugqiba usebenzisa ikhadi lekhredithi ukuze udlulisele izilinganiso, qi niseka ukuba uwasebenzise njengetyala lokufumana ityala-kungekhona ityala elikhulayo. Gwema ukusebenzisa ikhadi olihlawulele ukuba ungene ematyaleni.
UkuXhobisa amatyala
Esikhundleni sokusebenzisa amakhadi esikweretheni, unako ukudibanisa amatyala ngemboleko mboleko , uhlobo oluthile lwemboleko ekhuselekile , okanye umboleko we- P2P . Imboleko enkulu ingakuvumela ukuba udibanise iimali-mboleko ezininzi uze ufumane yonke indawo kwindawo enye. Ukubolekwa kwemali mboleko kudla ngokuza kube nezinga elimisiweyo, ngoko banokuqonda xa amaxesha okwenziwa kwekhadi lokuthenga ngetyala lifutshane kakhulu. Ngokomzekelo, i-APR ye-0 yeepesenti ezinikezela ngeenyanga ezintathu zingenakunceda ukuba ulindele ukuthatha iminyaka emithathu ukuhlawula ityala lakho.
Imirhumo: Unakho okanye ungeke uhlawule nayiphi na imali yokuhlawula imali yokubolekisa amatyala. Ngeemali-mboleko, uza kubona iindleko ezicacileyo ezifana neentlawulo okanye iimali zokuqala. Ngezinye iimali-mboleko, iindleko ziya kuba zingabonakali, kodwa zakhiwe kwinzala.
Thelekisa iimali-mboleko eziliqela ukufumana ukudibanisa kwemirhumo yangaphambili kunye neendleko zenzalo ezikunceda kakhulu.
Amanqanaba omdla: Izinga ohlawulayo liya kuxhomekeka kulolu hlobo lwemali mboleko oyisebenzisayo. Imboleko ekhuselekile yodwa iya kuba nezinga eliphezulu kuneemali- mboleko zokulingana ekhaya , umzekelo. Sekunjalo, mhlawumbi uza kuhlawula umyinge ngelizinga elingaphantsi kwamazinga omlinganiselo wekhadi lesikweletu-kodwa "i-teaser" okanye ixabiso lekhadi lokuthenga ngamatyala limele libe liphantsi, ubuncinane kwiinyanga ezimbalwa.
Ukuba uhlawula ityala iminyaka emininzi-eyona mide kunayo nayiphi na ukukhuthazwa kwamakhadi-ngetyala-ungenza ngcono ngetyala lokuhlanganiswa kwetyala. Amanqanaba enzala angabonakaliswa , oku kuthetha ukuba baya kuhamba kunye nokuhla njengamaxabiso ekhadi lamatyala, okanye angagcinwa. Iirhafu ezikhombakalayo zenza kube lula ukucwangcisa kuba uyazi ukuba iintlawulo zakho zenyanga ziphi ubomi bobolekiweyo.
Kodwa amazinga athatywayo aqala ukuphakama aphezulu kunamazinga atshintshayo.
Ikhredithi yakho: Njengoko kumakhadi-ngetyala, iimali-mboleko ezintsha zenza imibuzo enokuchaphazela izikolo zakho zemali-ubuncinane kwixesha elifutshane. Ngaphezulu kwexesha elide, ezinye iimali-mboleko zokuhlanganiswa kwetyala zinokuthi zibe ngcono kwi-credit yakho ngaphandle kokutshintshwa kwe-balance.
Amanqaku esikweletu aphezulu xa usebenzisa umxube weentlobo ezahlukeneyo zemali-mboleko, kunye neengxowa-mboleko zemali-mboleko yenza ukuba ukhange ngakumbi kunomboleki othembela kuphela kumakhadi-mboleko. Ukuba ungumsebenzisi wekhadi elinomthwalo wesikweletu, kubonakala ukuba usebenzisa imali engaphezulu kweendlela zakho zokuthengwa kwempahla kunye nokuhlawula ixabiso lentengo ephezulu-engazinzileyo.
Imboleko yemali yokuhlanganiswa kwetyala ingacebisa ukuba uye wazinikela ekuhlawuleni phantsi kwetyala, kwaye wasebenzisa uhlobo olulungileyo lwetyala ngaloo njongo. Oko kuthetha ukuba ungumboleki we-savvy, ngoko ke uya kuhlawula ezinye iitaldo esikhathini esizayo. Ngethuba nje xa uhlawula ngexesha kwaye uthabatha kuphela amatyala onokukufumana, i-credit yakho iya kuqinisa.
Ukubambisana
Kwezinye iimboleko zemali-mboleko, unokuba ubophezele . Oko kuthetha ukuba unike imvume yebhanki ukuthatha iafa yakho kwaye uyayithengisa xa ungaphumeleli ukubuyisela imali mboleko. Ngokomzekelo, unokubambisa ikhaya lakho njengenxalenye yemali-mboleko yemali , okanye ungasebenzisa imoto yakho njengobuncwane.
Gcina iimali-mboleko ezingakhuselekanga ezingakhuselekanga: Ukubambisana kunokukunceda ukuba uvumeleke, kodwa ukufungisa impahla yakho kuyingozi. Kuthekani ukuba izinto zingasebenzi njengoko uceba-ungaphila ngaphandle kwekhaya lakho? Ngaba ungafika emsebenzini uze ufumane ingeniso ngaphandle kwemoto yakho ? Kungcono ukugcina iimali-mboleko ezingakhuselekanga zingakhuselekanga kuba into kuphela engozini i-credit yakho. Ukuba usebenzisa i-mboleko ye-equity home ukuhlawula ityala le-credit card elingakhuselekanga, uya kukwandisa kakhulu ingozi yakho. Ukuba kukho into engalindelekanga eyenzekayo, unokulahlekelwa yindlu yakho ekungqatshelweni .
Ukuxhaswa kwemali mboleko eqinisekisiwe: Ukuba sele unetyala elikhuselekile ngokubambisa, qwalasela ukuhlaziywa kwezi mboleko ngokwahlukileyo. Ngokomzekelo, sebenzisa imali yokutshintshwa kwemali okanye ukuboleka kwetyala ngemali yezikolo ezingaqinisekanga, kwaye ufumane umboleko ohlukile kumatyala akho aqinisekileyo. Oko kwathiwa, ukuba unako ukuhlawula amatyala aqinisekileyo uze ubaguqule ngamatyala angakhuselekanga, uya kunciphisa umngcipheko-qinisekisa ukuba ufanelekile naziphi na iindleko ezongezelelweyo.
Imali Yomfundi: Sebenzisa isilumkiso
Ukuba unemali-mboleko yomfundi, yenza umsebenzi wesikolo ngaphambi kokuba uhlanganise loo mboleko okanye uhlawule kunye nayiphi na imali mboleko. Iingxowa-mboleko zikaRhulumente zibonelela ngezibonelelo ezikhethekileyo njengokuba kunokwenzeka ukuxolelwa ngemali okanye ukukwazi ukuhlawula iintlawulo. Ukuba uhlaziya okanye udibanisa nomboleki-bucala , unokulahlekelwa ukufikeleleka kwalabo bantu abanomdla.
Ukufumana iinkcukacha ezingaphezulu, jonga iingenelo zeNgxowa-mboleko ze-Federal Student .