Indlela Yokugwema Ukuhlawulwa Kwemali
Ekubeni iindleko zemali yindlela yokukhishwa kwekhadi lokuthenga ngetyala lokutshatyalalisa ngokuphatha ibhalansi, indlela elula yokuphepha iindleko zezemali kukuba ungayithathi imali.
Ukuhlawula ibhalansi yekhadi lakho lesikweletu ngokupheleleyo nyanga zonke kuya kuthintela umkhupheli wakho wekhadi lokuthenga ngetyala kwi-akhawunti yakho.
Nantsi indlela esebenza ngayo. Ikhadi lakho lekhredithi linethuba lobabalo , oluqhelekileyo phakathi kweentsuku ezingama-21 neye-25 kwaye zidweliswe ngaphambili okanye ngasemva kwe- statement statement . Ixesha lobabalo lithuba lakho lokuhlawula ibhalansi yakho epheleleyo kunye neendleko zemali. Isitatimenti sakho sinokubandakanya ukuchazwa okuchaza umhla oza kufunyanwa ngayo intlawulo yakho ukuze ugweme iintlawulo zemali.
Bhatala ibhalansi epheleleyo ebhaliweyo kwisitatimende sakho sekhadi lesikweletu ukuze ugweme ukufumana ityala lezimali kwisitatimende sakho esilandelayo. Ukuba uhlawula isahlulo sakho se-balance, ke isitatimenti sakho sokuthengisa sokugqibela siya kuba netyala leemali esekelwe kwibhalansi engakhokhelwa kunye naluphi na ukuthenga olutsha owenzayo.
Iimali eziPhakamisayo zithintela njani iintlawulo zezeMali
Amanye amakhadi ekhredithi anika ireyenti ye-0% yentengo yokuqalisa ukunyenga abathengi abatsha abafuna ukunqanda umdla.
Ngethuba lexesha lokuphromotha , ngokuqhelekileyo awuyi kufumana irhafu yezemali nokuba awuyi kuhlawula ibhalansi yakho ngokugcwele. Nangona kunjalo, xa ixesha lokuphromotha liphela, nayiphi na imali eseleyo iya kuqala ukufumana iindleko zemali kwi-APR rhoqo.
Ngethuba lexesha lokuphromotha, unokuvavanywa imali ehlawulwe kwiimali ezingekho phantsi kwezinga lokunyusa.
Umzekelo, ukuba izinga lokuphromotha lisebenza kuphela ekuhanjisweni kwemali, ngoko kuthengwa kwakho kuya kuhlawuliswa imali yentlawulo.
Izipesheli eziphakanyisiweyo zentengiso zixhaphazwa zifana neepesenti zepesenti yokudluliselwa kwemali, kodwa zincinane. Umrhumo ochaziweyo oya kuhlawulela umtsalane kwimali yakho-ukuvavanya ixabiso elipheleleyo lezemali ukususela ekuqaleni kwexesha lokuphromotha - ukuba awuyi kuhlawula ibhalansi ngexesha lokukhutshwa kwexesha.
Njalo ufunde imimiselo yokunikezela kwakho ukunyusa ukwazi ukuba ngaba ufuna ukuhlawula ibhalansi epheleleyo ngaphambi kokuphela kwexesha lokupapasha ukuphepha ukuhlawula iindleko zemali kwibhalansi. Awufuni ukukhunjulwa kunye neenyanga ezininzi zeendleko zemali ezongeziweyo kwibhalansi yakho.
Iintlawulo zezeMali ongenakuziphepha
Uza kufumana kuphela ixesha lokubambela kuphela xa ibhalansi yakho yangaphambili ihlawulwa ngokupheleleyo kwaye uqalise umjikelezo wokuhlawula nge-balance balance. Ukuba unayo ibhalansi ekuqaleni komjikelo wenkokhelo , awukwazi ukuphepha ukuhlawulwa kwemali. Uya kufuneka uhlawule ibhalansi yakho kwi $ 0 ngaphambi kokuba ixesha lokubambela lisebenzise kwakhona.
Ngelishwa, awukwazi ukukhusela iindleko zezemali kuzo zonke iintlobo zemali.
Ukutshintshwa kwemali kunye nokunyuka kwemali akunalo ixesha lobabalo, ngoko ke iintlawulo zezimali ziqala ukunyuka ngokukhawuleza nje ukuba ibhalansi ibetha ikhadi lakho. Xa kuziwa kwezi ntlobo zezilinganiso, indlela efanelekileyo yokuphepha ihlawuliso yezemali ukuhlala kude naleyo ntengiselwano ngokupheleleyo. Umzekelo xa ikhadi lakho lekhredithi linokuphakanyiswa kwentlawulo yezinga lentengo ka-0%, kodwa oku okungafanekanga kusetyenziswe kwimpumelelo yemali.