Indlela yokufaka isicelo kwiKhadi leMatyala

Xa ufuna ukufumana ikhadi lekhredithi, kufuneka uqonde ngokucacileyo ingozi ehambelana nekhadi lesikweletu. Kulula kakhulu ukuqhuba ibhalansi ekhadini lakho ngaphandle kokuyiqonda ngokwenene, kwaye ungene kumgibe wekhadi lesikweletu . Kufuneka usebenze ukuhlawula ikhadi ngokupheleleyo inyanga nganye. Kufuneka ube nesicwangciso esicwangcisekileyo sokulawula i-credit yakho ngaphambi kokuba ufake isicelo sekhadi lesikweletu. Kubalulekile ukuqinisekisa ukuba ulungele imali ngokwekhadi lesikweletu.

Khetha iKhadi elungileyo

Khetha ikhadi lokuthenga ngetyala lokufaka isicelo. Oku kunenqanaba elibalulekileyo xa ugqiba ukufumana ikhadi lekhredithi. Izipho zingafika kwi-imeyile kuwe, kodwa zingenakuba yikhadi elihle kakhulu kuwe. Funda ukuprintwa okulungileyo kwaye ujonge ngaphaya kwezinga lokungena kwizinga eliza kuba emva kokuba sele lidlule. Umlinganiselo weepesenti ezili-15 uqobo, kodwa akufanele ukhethe enye ngezinga eliphakamileyo kunalo ukuba unako. Khangela ikhadi ngaphandle kwemali yonyaka. Esikhundleni sokukhangela kuphela ukunikezela ngeposi ukuya kwibhanki yakho yangoku ukuze ubone ukuba ngaba banikela ngekhadi lekhredithi elinomdla wokuncintisana. Kufuneka ujonge kwakhona ngemiphumo enikwe, kwaye kulula kangakanani ukuba bafumane imali. Khumbula ukuba ukuba awuyi kuhlawula ibhalansi yakho ngokugcwele inyanga nganye, akufanelekile ukuba nekhadi lekhredithi kuphela kwimbuyekezo.

Gcwalisa iNkqubo yoCwangciso

Gcwalisa isicelo sekhadi uze ulinde ukuba ubone ukuba uvunyiwe, kwaye yeyiphi izinga eliya kuba.

Ungafaki izicelo zamakhadi amaninzi ngamatyala ngexesha elinye. Uninzi lwabantu ludinga kuphela ikariti enye yekredithi ngesandla esinye sengxamiseko. Ngaphezulu kwekhadi enye yenza kube lula ukufumana ityala lesikweletu kwikhadi lesikweletu. Xa ufaka isicelo sekhadi lesikweletu, ibhanki iya kwenza isicatshulwa nzima kwikhredithi yakho. Oku kuza kuboniswa kwingxelo yakho yekhredithi, kwaye ukuba uninzi kakhulu kufuphi nalapho ufaka isicelo sokuthenga imali okanye enye imali mboleko, inokuchaphazela inzala yakho okanye umboleko.

Oku akusiyo i-ding engunaphakade kwi-yakho ngetyala, kodwa kufuneka ubalekele isicelo sakho ukuba uyazi ukuba uya kufaka isicelo sokuthenga imali kwiinyanga ezintandathu ezizayo.

Lindela iSigqibo

Lindela ukuvunyelwa okanye ukuphikiswa. Ukuba awukho imbali yesikweletu okanye umsebenzi ongenakuvunyelwa kwikhadi lakho lesikweletu. Enye indlela yokwakha iitaliti kukusebenzisa ikhadi lekhredithi ehlawulwa kuqala apho ubeka khona imali kwi-akhawunti ukuma njengesiqhelo kwikhadi lekhredithi. Omnye kukukwakha i-credit yakho ngebhanki yakho kunye nomgca omncinci wesikweletu. Ikhadi lokuthenga ngetyala lingaba lula ukufaneleka ukuba ufuna ukukwakha i-credit yakho kwaye ungafuni ukuba ne-cosigner. Ukugcina izitishi zentengo yamakhadi ekhredithi zivame ukuba ziphezulu kakhulu kunekhadi lesikweletu. Qinisekisa ukuhlawula ikhadi lakho lekredithi ngokukhawuleza.

Iingcebiso:

1. Abantu abaninzi baninzi bafumana ityala lekhadi lekhredithi emva kweminyaka embalwa. Sebenzisa kuphela ikhadi lakho lekhredithi ukuba unayo imali ukuyihlawula loo nyanga okanye ukuba yinto engxamisekileyo yokwenene. Zibophelele ekuhlawuleleni ikhadi ngokugcwele inyanga nganye.
2. Gwema ukuba namakhadi amaninzi ekhredithi, kuba yenza kube nzima ukulandelela imali yakho, nokuhlawula yonke into inyanga nganye. Ingakhokelela ekuhlawuleni emva kwexesha xa ukhohlwa ukuhlawula enye. Kubalulekile ukunciphisa inani lekhredithi elikhoyo kuwe kwaye ugweme ukusebenzisa konke. Oku kunokukunceda ukuphepha ukuphazamisa amanqaku akho ekhredithi kunye nokusetyenziswa kwekhadi lakho lesikweletu.

1. Ukuba uzama ukuphuma kwetyala, esinye isicwangciso esisetyenziswa ngabantu abaninzi kukudlulisela ibhalansi yekhadi lesikredithi kumntu onomyinge wenzala . Unokwenza oku, kodwa kufuneka uyeke ukusebenzisa ikhadi ukuba udlulisele ibhalansi ukusuka. Oku kuya kukuvumela ukuba uphume kwetyala, kunokubamba ityala.