Ukukhusela umlinganiselo wakho wekhredithi ngenye yezinto ezilungileyo kakhulu ongayenza ngobomi bakho bezezimali. Inqaku elifanelekileyo lekhredithi alinakwenza kube lula ukufumana izicelo ezixhaswe ngetyala, kodwa iyakusindisa imali kwimali kunye nokukhuselwa kwezokhuseleko. Usenokuba uyayazi ukuba imbali yentlawulo yenye yezona zinto zibaluleke kakhulu kumanqaku akho ekwereti, ubala i-35% yesikolo sakho seFICO. Kodwa ngaba umrhumo wokuhlawula umcimbi?
Kwaye ngokuthe ngqo, ingabe iintlawulo ezincinci zilimaza amanqaku akho?
Ukuhlawulwa kweeNkcitho eziNcinci kuMpembelelo wakho weKharithi
Umnikeli wakho wekhadi lokuthenga ngetyala ufuna ukuba uhlawule inxalenye encinane kwibhalansi yakho ngenyanga. Le mali encinci yokuhlawula ibhaliwe kwisitatimende sakho sekhadi lesikweledu kwaye siyahluka ngokuxhomekeke kwibhalansi yakho yekhadi lesikweletu kunye nayiphi na imali efunekayo. Ukuba awunayo imali eninzi ukubeka kwi-card yakho yentlawulo yekhadi, ukwenza ukuba inkokhelo encinci ibe yindlela kuphela.
Okokuqala, iindaba ezilungileyo. Imali yentlawulo yakho yokugqibela ibhaliwe kwingxelo yakho yekhredithi, kodwa ukubalwa kwemali yesikweletu akuqwalasele imali yekhadi lakho lesikweletu (okanye i-mboleko) xa udala amanqaku akho. Ukusuka kweso mbono, ukwenza inkokhelo encinci ingenzi kakubi kumvuzo wakho wekhredithi. Ngethuba nje ukwenza ubuncinci ubuncinane kwintlawulo nganye kwinyanga nganye, ngokwenene unceda amanqaku ekhredithi yakho ngokwakha umlando wokuhlawula.
Nazi ezinye iindaba ezilungileyo. Ingxenye yesikhokelo sakho semali-mboleko ibona ukuba i-credit card isetyenziswa kangakanani. Uninzi lomlinganiselo wakho weentengo zemali osebenzisa kakubi kakhulu kuba ngumlinganiselo wakho wekhredithi. Ukunciphisa ibhalansi yakho ngokukhawuleza kunokuncedisa ukuhlaziywa kwamanqaku akho. Nangona kunjalo, xa uhlawula ubuncinci kuphela, ibhalansi yakho yanciphisa kuphela ukusetyenziswa kancinci kunye nekhredithi ephezulu iya kuqhubeka ukulimaza amanqaku akho.
Kwaye ukuba uhlawula ubuncinci kuphela kwaye wenze ukuthenga okongeziweyo kwinyanga yakho yekhadi, umlinganiselo wakho wekhredithi unokuthi uhlupheke ngenxa yokuba ibhalansi yakho ikhula kunokunyuka. Ngakolunye uhlangothi, ukuba unayo ibhalansi ephantsi - uthetha i-30% yesilinganiso semali-mboleko okanye ngaphantsi-kwaye uhlawula ubuncinci kuphela, umlinganiselo wakho wekhredithi mhlawumbi ukhuselekile ukusetyenziswa kokusetyenziswa kwekhredithi.
Inzuzo yokuhlawula ngaphezu kweNcinane
Nangona ukwenza inkokhelo encinci kungenakonakalisa inqaku lakho lekhredithi, kukho iinzuzo zokuhlawula ngaphezulu - njengokunciphisa ibhalansi yakho ngokukhawuleza nokugcina imali kwimfuno. Ngokuphindaphindiweyo njengoko unako, faka ngaphezulu kwibhalansi yakho. Okukuphela xa uhlawula ubuncinci kwezinye iikhadi zamatyala (kunye nesinye isamba kwenye) njengenxalenye yokuphuma kwesicwangciso sesikweletu.
Ekubeni intlawulo yakho yokugqibela ifakiwe kwingxelo yakho yebhanki, abanye ababoleki kunye nabathengisi banokucinga ukuba xa bahlaziya isicelo sakho. Ngokuqhelekileyo, umntu ohlawula ubuncinci kuphela, ngokukodwa kwinqanaba eliphezulu, unokubhekwa njengomboleki onobungozi kwaye unokucinywa.