UkuBaliswa kweMali yokuThengiswa kweeMali usebenzisa i-Balance yakho yangaphambili
Abaniki bamakhadi ngekhadi bangabala iindleko zemali, besebenzisa enye yeendlela ezahlukeneyo. Enye yazo iyindlela yokwenza ibhalansi yangaphambili.
Yiyiphi indlela yokuBhaliswa kwangaphambili?
Indlela yokugqibela yokubala imali yokubala imali yakho isebenzisa ibhalansi ekuqaleni komyinge wokuhlawula ukubala i-charge yakho yezemali kuloo mjikelo wokuhlawula. Oko kuthetha ukuba akukho nto eyenzekayo kunye ne-akhawunti yakho ngexesha lolo hlobo lugqithiso lokuhlawula luya kuthintela imali yakho yerhafu.
Into enhle malunga nendlela yokugqibela yokubhalisa kukuba iindleko kwiakhawunti yakho eyenziweyo ngexesha lokujikeleza umjikelo awuyi kukhokelela kwirejista ephezulu yezemali. Ingcipheko kukuba iintlawulo ngexesha lomjikelo wenkokhelo nazo aziyi kunciphisa ihlawuliso yakho yezemali.
Ukuba umnikeli wakho wekhadi lesikweleti usebenzisa indlela yokugqibela yebhanki ukubala ihlawuliso yakho yezemali, gcinani engqondweni ukuba ibhalansi yakho ibhekisela kwisijikelezo esilandelayo sokuhlawula, ngoko ke oku kwenzayo kule nyanga kukuchaphazela ukuhlawulwa kwemali kwinyanga ezayo.
Indlela yangaphambili yokulinganisela ingaba yindleko kunezinye iintlobo zeendlela zokubala zokuhlawula imali. Ukuba umniki-khadi wakho wekhredithi usebenzisa le ndlela, unganciphisa inani olihlawulayo kwiindleko zezimali ngenyanga nganye ngokuhlawula ngaphezu kokuhlawulwa kwenyanga.
I-Balance Method Indlela yokuTyala kwezeMali
Nasi umzekelo wefowuni yebhanki ibalwa ngokusebenzisa indlela yangaphambili yokulinganisela.
APR = 14%
Ixesha lexesha = 1.17%
Iintsuku kumjikelezo wokuhlawula = 30
Ibhalansi yokuqala = $ 1000
Intlawulo ye-16 ngosuku = $ 100
Ukuhlawula umhla wama-20 = $ 50
Ukugqibela ibhalansi = $ 950
Umrhumo wezezimali = Ibhalansi yangaphambili * Ixesha lexesha lexesha
= $ 1000 * .0117
= $ 11.70
Ukuthelekiswa neNqanaba lokuSetyenziswa kweMihla ngemihla
Abaninzi bamakhredithi bamakhadi basekhredithi basebenzisa indlela yokulinganisela yokulinganisela imihla ngemihla ukubala iindleko zemali. Ngale ndlela, umnikeli wekhadi lokuthenga ngetyala (credit card) uhlawulela ibhalansi yakho ngosuku ngalunye umjikelezo wokuhlawula, ngoko kubala umyinge welo nani. Ukuba umniki-khadi wakho wekhredithi usebenzisa i-balance balance method method, i-charge yakho yemali kunye neenkcukacha ezifana neemeko ezingentla ziza kuba ziphantsi kwe-$ 11.40, ngokucinga ukuba wenze iintlawulo kunye nokuthenga ngosuku olufanayo lomjikelezo wokuhlawula.
Yiyiphi Indlela eSebenzayo yokuThumela iKhadi leKhadi lakho
Unokufumana indlela yokukhishwa kwekhadi lakho lesikweletu ekubaleni iindleko zemali ngokufunda isivumelwano sakho sekhadi lesikweletu okanye emva kwekhadi lakho lekhadi lesikweletu. Khangela icandelo elibizwa ngokuthi "Singazibala Njani Ukuhlawulwa Kwemali Yakho." Xhumana nomniki wekhadi lakho lekhredithi ukuba unemibuzo malunga neentlawulo zakho zezemali.
Unokuphepha iimali zentlawulo ngaphandle kweyiphi indlela umthengisi wakho wekhadi lokuthenga ngekhredithi esebenzisa ngokuhlawula ibhalansi yakho ngokugcwele inyanga nganye.