Isitatimenti sakho sokuthengiswa kwekhadi lesikweletu siya kuhlala sihlawula imali yakho (ukuba unayo), ngoko akukho mfuneko yokuba uyibale wena. Kodwa, ukwazi indlela yokwenza ubalo kungena ngokufanelekileyo ukuba ufuna ukwazi ukuba yiyiphi inkokhelo yezemali ukulindela kwibhalansi ethile yekhadi lesikweletu okanye ufuna ukuqinisekisa ukuba imali yakho yefowuni ihlawulwe ngokuchanekileyo.
Unako ukubala iindleko zezemali nje ngokuba wazi amanani amathathu ahlobene nekhadi lakho lekhadi lekredithi: ibhalansi yekhredithi (okanye i-loan), i- APR kunye nobude bomjikelo wokuhlawula .
Ukubala Iimali Zemali Zendlela Elula
Indlela elula yokubala ixabiso leemali > ibhalansi X inqanaba lenyanga . Kulo mzekelo, siza kuthi umjikelezo ngamnye wenkokhelo uhlala inyanga (ngoko kukho iikhokhwa zokuhlawula ezili-12 ngonyaka) kwaye unayo ibhalansi yekhadi lesikratshi ka- 500 kunye ne- APR ye- 18%.
Okokuqala, kubala ireyithi yexesha ngokuhlula i-APR ngenani leenkqubo zokuhlawula imali ngonyaka, eli-12 kumzekelo wethu. Khumbula ukuguqula ipesenti ukuya kumashumi. Ireyithi yexesha eliyiyo > .18 / 12 = 0.015 okanye 1.5% . Intlawulo yenyanga yenyanga > I-X X .015 = i-7.50 .
Ukubala Iimali zeeMali ngeeNkcazo zokuTyala ezifutshane
Ngamakhadi amaninzi ekrejethi, umjikelo wokuhlawula ungaphantsi kuneenyanga, umzekelo, iintsuku ezingama-23 okanye ezingama-25. Ukuba inani leentsuku kumjikelezo wakho wokuhlawula lifutshane kunenyanga enye, zibalo iifizi zakho zemali njenga ::> ibhalansi X imihla ye- APR X kwisijikelezo sokuhlawula / 365 .
Umzekelo: Ukuba umjikelo wakho wokuhlawula unemihla engama- 25 ubude, ukuhlawulwa kweemali kwixesha lokubakho liya kuba > 500 x .018 X 25/365 = $ 6.16 .
Unokuthi uqaphele ukuba umrhumo wezemali uphantsi kule mzekelo nangona ibhalansi kunye nenqanaba lesenzalo lifanayo. Kungenxa yokuba uhlawula umdla kwiintsuku ezimbalwa, 25 vs. 31. Iindleko zonyaka zemali ezihlawulwa kwiakhawunti yakho ziya kugqiba zifana.
Utshintsho kwiNkcazelo yeMali yokuTyala iMali yokuTyala iMali
Imizekelo esenzileyo kude kube ziindlela ezilula zokubala iifizi zakho zezemali kodwa kusenokuba zingabonakali iifizi zemali ozibonayo kwisitatimenti sakho sokuhlawula.
Kungenxa yokuba umboleki wakho uya kusebenzisa enye yeendlela zokubala zokubhalwa kwemali ezintlanu ezithatha ingqalelo ukuthengiselana okwenziwe kwikhadi lakho lesikwerelo kumjikelezo wokuhlawula okanye wangaphambili. Funda emva kwekhadi lakho lekhadi lokuthenga ngetyala ukuze ufumene indlela oyisebenzisayo ngayo umthengisi wekhadi lesikweletu .
Ibhalansi yokuphela kunye neendlela zangaphambili zokulinganisela kulula ukubala. Intlawulo yezemali ibalwa ngokusekelwe kwibhalansi ekupheleni okanye ekuqaleni komjikelo wokuhlawula.
Indlela yokulinganisela ibhalansi iyanzima kakhulu; kuthatha ibhalansi ekuqaleni komjikelo wenkokhelo kwaye ususe iintlawulo ozenzayo ngexesha lomjikelezo.
Indlela yokulinganisela imihla ngemihla ihlawula imali yakho yerhafu ngosuku ngalunye lwenyanga. Ukwenza oku kubalwa, kufuneka ufumane ibhalansi yakho yekhadi lokuthenga ngetyala ngenye imini yomjikelezo wokuhlawula. Emva koko, phinda ubhaliso lwemihla ngemihla (rate APR / 365). Yongeza inkokhelo yemali nganye yemihla ukuze ufumane ihlawuliso yenyanga yenyanga.
Abanini bamakhadi ngekhadi baqhele ukusebenzisa indlela yokulinganisela imihla ngemihla , efana nendlela yokulinganisela imihla ngemihla. Ukwahlukana kukuba ukulinganisela komhla ngamnye kuhlawulwa kuqala kwaye ke intlawulo yezemali ibalwa ngaloo myinge. Ukuze wenze ukubala ngokwakho, kufuneka ukwazi ibhalansi yakho yekhadi lesikweletu ekupheleni kosuku ngalunye.
Yongeza umlinganiselo wosuku ngalunye uze uhlule ngenani leentsuku kumjikelezo wokuhlawula. Emva koko, wandise loo nombolo ngo-APR kunye neentsuku kumjikelezo wokuhlawula. Uhlula umphumo nge 365.
Qaphela ukuba awunayo ifayili yemali ukuba unentengiso ye- interest rate ye-0% okanye ukuba uhlawule ibhalansi ngaphambi kwexesha lobabalo .