Ukufumana ikhredithi ngexesha lokuqala akulula ngaso sonke isikhathi. Abaninzi abakhwela bafuna ukuba netyala ngaphambi kokuba banike i-credit, okwenza kube nzima ukuba uqalise. Emva kokuba ufumene ikhredithi ngexesha lokuqala, ixesha elizayo liya kuba lula.
Apho ukufaka isicelo sesikweletu
Indlela engcono kakhulu yokuba uqalise ukufumana iitaliti kukufaka isicelo sekhadi lesikratshi elijoliswe kubantu abatsha kwi-credit. Ukuba sele unayo i-akhawunti yokutshekisha okanye yokulondoloza, khangela ukuba ibhanki yakho inomkhiqizo wesikolo-mali ithetha ngomntu ongekho mlando wesikweletu.
Ibhanki inokunika umfundi okanye ikhadi lekhredithi elikhuselweyo okanye mboleko yomakhi wekredithi. Ukuba awukwazi ukuqala ngetyala usebenzisa ibhanki yakho, kukho ezinye iindlela.
Ukufumana ivenkile yokuthengisa okanye ikhadi lekhredithi yegesi kunokuba lula ukufumana ikhredithi ngexesha lokuqala. Emva kokuba usungule iinyanga ezimbalwa zeembali zekhredithi kunye ne-retail okanye ikhadi lekhredithi yegesi kuzakukunceda ukuba ube nekhadi lekhredithi enkulu, njengeVisa okanye Mastercard.
Ngoxa kulula ukufumana amakharethi kunye neekhasi zegesi, nazo zineendleko eziphezulu. Umzekelo, umyinge wenzala , okuyiyo indleko yokuphatha ibhalansi yekhadi lesikweletu ukusuka ngenyanga ukuya kwenyanga, iphezulu kwivenkile yesebe kunye namakhadi ekhredithi yenkampani yeoli. Kwibala eliqaqambileyo, ukuba nomlando ontle ngenye yale makhadi kukunceda ukuba ufanele ukufumana ikariti enkulu yesikweletu emva koko. Kwaye ukuba uhlawula ibhalansi yakho ngokugcwele inyanga nganye (okufuneka uyenze), awuyi kuhlawula nayiphi na iindleko zemali .
Unokufaka isicelo sekhadi lekhredithi elikhuselekile .
Olu hlobo lwekhadi lesikweletu, elifuna ukuba wenze idiphozithi ukuze ufumane umda wekhredithi kwikhadi lakho lesikweletu. Amanye amakhadi ekwereta aqinisekileyo aya kuguqula kumakhadi angaqinisekanga emva kweenyanga ezili-12 ukuya kwezi-18 zeembali zentengo yezetyala.
Ufanele ube ngumdala kangakanani?
Ngokuqhelekileyo, umntu kufuneka abe ne-18 ukufumana ikhadi lekhredithi okanye mboleko.
Abantwana abaneminyaka engaphantsi kwe-18 banokungeniswa njengabasebenzisi abagunyazisiweyo okanye abambeneyo bekhadi lesikweletu. Amakhadi amakhulu ekhredithi, njengeVisa kunye ne-Mastercard ayibanikezeli ngetyala kubafakizicelo abangaphantsi.
Ukufumana ikhadi lekhredithi phantsi kweminyaka yobudala engama-21, kuya kufuneka unikezele ubungqina bemali engenayo okanye ube ne-cosigner athole ikhadi lokuthenga ngetyala kunye nawe.
Yintoni omele uyibukele
Musa ukulangazelela ukuqala ngekhredithi ukuba wenze impazamo ephazamisa amathuba akho okuvunywa. Nazi ezinye izinto omele uzigcine engqondweni xa ucela i-credit ngethuba lokuqala.
Gwema ukwenza izicelo ezininzi zekhredithi . Njalo xa ufaka isicelo sekhredithi, uphando luyongezwa kwingxelo yakho yekhredithi. Imibuzo emininzi kwithuba elincinci lingenza ukuba kubonakale ngathi unqwenela ukuthenga ngetyala. Abaniki bamakhadi bamatyala baya kuba bengakufuni ukukunika ikhadi lokuthenga ngetyala.
Qaphela ukuba unikezelo lwekhadi lesikweletu eliqinisekisa ukuvunyelwa kungakhathaliseki ukuba imbali yakho yekhredithi . Izipho ezifana nale ziqhelekileyo zikhawulezikhadi zamakhadi ezithengiswayo eziphelisa imali eninzi ngaphezu kokuchitha.
Emva kokuba ufumane ikhadi lekhredithi, kuya kubakho ukuba uyisebenzise ngobulumko . Oku kuthetha ukuhlawula ibhalansi onokukwazi ukuyihlawula kunye nokwenza zonke iintlawulo zakho zenyanga ngexesha.
Nciphise inani lamakhadi-mboleko oqala ngawo .
Ukuthatha amaninzi amanqaku ematyala ngokukhawuleza kukubeka engozini yokudala ityala elingaphezulu kunokuba unako ukuhlawula. Ukuqala ngekhadi lekredithi elilodwa kuphela lifanelekileyo.