Bhowula kanye kwaye uhlawule rhoqo
Elula kwaye eQinisekile
Iintlawulo zemboleko zentlawulo zihlala zihlala zihlala rhoqo (wenza intlawulo efanayo ngenyanga, umzekelo).
Ngokwahlukileyo, iintlawulo zekhadi zekrediti ziyahlukahluka: uhlawula kuphela ukuba usebenzisa iphepha, kwaye intlawulo yakho efunekayo iyahluka kakhulu kuxhomekeke kwindlela ochitha ngayo kutshanje.
Kwiimeko ezininzi, iintlawulo zemali-mboleko zentengo zichongiwe, zithetha ukuba azitshintshi nonke ukusuka ngenyanga ukuya kwenyanga. Oku kwenza kube lula ukucwangcisa kwangaphambili njengoko intlawulo yakho yenyanga nganye iya kuba yinto efanayo. Ngeentengo zemali-mboleko eziguquguqukayo, inzala inokutshintsha ngokuhamba kwexesha, ngoko intlawulo yakho iya kutshintsha kunye nereyithi.
Ngentlawulo nganye, uyanciphisa ibhalansi yakho mboleko kwaye uhlawule iindleko zomdla. Ezi ndleko ziyabhalwa ekubalweni kwakho kwenkokhelo xa umboleko owenziwe kwinkqubo eyaziwa ngokuba yimali .
Iimbolekisi zeefowuni zilula ukuqonda ngenxa yokuba utshintsho oluncinane emva kokumiselwa, ingakumbi ukuba unemali-mboleko emiselweyo. Uya kukwazi (ngaphezulu okanye ngaphantsi) ubuninzi bebhajethi nganye ngenyanga. Nangona kunjalo, ukuba wenza iintlawulo ezongezelelweyo (kunye nesamba esikhulu semali, umzekelo), unokukwazi ukuhlawula iintlawulo zakho ngokuhlawula.
Ukubala iintlawulo zakho, sebenzisa i-calculator amortization calculator, okanye ufunde indlela yokwenza izibalo ngesandla .
Imboleko yeMali kunye neTyala
Ukusebenzisa iitalenti zemali-mboleko kunokunceda inkokhelo yakho. Umxube ophilileyo lweentlobo ezahlukeneyo zeetyala lukhokelela ekukhokeleni amanqaku aphezulu a matyala, kwaye iimali-mboleko zeekhovishini kufuneka zibe yinxalenye yaloo mxube.
Ezi mboleko zibonisa ukuba ungumboleki we-savvy; Ukuba uxhaswa yonke into ngamakhadi e-credit card mhlawumbi ukhokha kakhulu.
Musa ukuphosa ngeenkokhelo ze-installment; sebenzisa kuphela oko kukufunayo. Imboleko yemali, mboleko yomfundi, kwaye mhlawumbi umbolekiso wezimoto zanele. Ezinye iimali-mboleko zentengo zingakonakalisa inkokhelo yakho. Ukuba usebenzisa iikhampani zezimali (kwiindawo zokuqesha izakhiwo okanye izitolo zokuthengisa, umzekelo), izikolo zakho zekredithi ziyakwazi ukuwa.
Imali kunye neeNkokhelo zePayday
Kwiminyaka yakutshanje, iimali-mboleko zentengo zithandwa ngabantu ababolekayo abanetyala elibi. Ezi mboleko zibonelelwa kwiivenkile zokuthenga iimali kunye nokupapashwa njengendlela yokuphuma kwintlawulo yexesha elifutshane. Ngelishwa, bahlala bebiza ngexabiso elininzi njengemali-mboleko yokubhadela .
Ukuba ukhangele umboleko wesitokethi ohlala ngaphantsi konyaka, qaphela. Kukho ithuba elihle lokuba ngumboleko obizayo, kwaye mhlawumbi ungayenza ngcono ngemboleko yakho kwi-bhanki yakho okanye kwimanyano yemboleko. Ukuba awukwazi ukufumana imboleko kwibhanki yendabuko okanye kwimanyano yesikweletu , zama umboleki we- intanethi okanye umboleko we-P2P -yinto ehlawulekayo kwaye kulula ukuyifumana. Ekugqibeleni i-mboleko yokufaka imali kwi-daydayer payday ingaba yedwa okukhethwa kukho, kodwa ezi mboleko zingakhokelela kwiinkathazo.
Jonga iirhafu eziphezulu kunye nemveliso eyongezelelweyo, njengenqwelo-mali, ukuba unganakho.
Kwibala eliqaqambileyo, ezinye iimali-mboleko zemali-mboleko zinobungane ngaphezu kwemali-mboleko ye-payday, nokuba ngaba ufumana imali mboleko kwi -dayday auction loan. Iimali mboleko zentengo zingakunceda ukuba wenze i- credit xa iintlawulo zakho zixelwe kwi-freeaus zemali-mboleko (kwaye unako ukuyeka ukusebenzisa izitolo zemali-mboleko). Ngaphezu koko, uhlawula rhoqo iintlawulo zokuhlawula imali yentlawulo ye-installment, endaweni yokujongana nokutshatyalaliswa kwentlawulo yebhaluni .
Oku kuthethi, ukuba uyayiphatha iitalenti zemali-mboleko njengemali-mboleko yemali-xa uqhubeka ulungelelanisa ukwandisa umhla wokuhlawula umvuzo-uza kufumana ukuba umthwalo wakho wetyala ukhula.