Ikhadi lokuthenga ngetyala lomnxeba lingakunceda ukuhlawula inzala yamatyala ekhredithi ephezulu, kodwa kuphela xa ukhetha ikhadi elifanelekileyo lekhredithi. Ukudluliselwa kwemali kungapheli ngokubiza xa kungenziwanga kakuhle okanye kwenziwe ngokusebenzisa iikratshi ezibiza kakhulu. Ngaphambi kokuba udlulisele ibhalansi okanye usebenzise isicelo sekhadi lesikredenti yokudlulisela imali , qiniseka ukuba uqhathanisa amakhadi ekredithi ukukhetha okulungileyo.
Isingeniso
Amanqaku amaninzi okutshintshelwa ngamakhadi ekredithi aphantsi okanye a-0% kwinqanaba lomdla wokungenisa imali.
Inqanaba lesenzalo sokuqala liza kuncitshisa okanye liphelise iindleko zenyanga zemali kwisithuba sakho sokudlulisela ixesha elithile. Ukungabikho kwerhafu yezemali kwenza kube lula kuwe ukuhlawula ibhalansi yekhadi lesikweletu. Inqanaba lentengo ye-0% ilungile, kodwa izinga lentengo eliphantsi - njenge-2.99% - lilungile.
Ixesha lokuQala
Ngokomthetho, iirhafu zentlalo yokunyusa kufuneka zenze ubuncinane ubuncinane kwiinyanga ezintandathu, kodwa amanye amakhadi esikwereti anika amaxabiso angeniso ukuya kwi-18, okanye kwiinyanga ezingama-21. Ingethuba elide lokuqala lingcono kuba likunika ixesha elide lokuhlawula ibhalansi yakho kungekho nzala.
I-APR Regular Transfer Transfer
Xa ixesha lokuqalisa liphela, uya kubakhokhela umdla kwizinga lokutshintsheliswa kwemali ngokuqhelekileyo (ngamanye amaxesha kufana nesilinganiso sokuthenga). Awufuni ukugqiba ukuhlawula inzala ephezulu emva kokuba ixesha lokuphromotha liphela, ingakumbi ukuba ixesha lokuphromotha alinelanga ngokwaneleyo ukuba uhlawulele imali yokutshintshela ibhalansi.
I-APR Intengo
Amanqaku amaninzi ematyala anikezela ngesantya sokuqala sokuthenga kwakho kunye nokutshintsheliswa kwemali, okwenza isibonelelo sibe sikhangele ngakumbi. Nangona kunjalo, izinga lokuthenga lokuqala lingasebenza kum. Ukuba uhlawula iindleko kwikhadi kuba kukho izinga lokunyusa, usebenza nxamnye nayiphi na imizamo yokuhlawula imali yokutshintshela imali.
Imali yokuTshintshiselwa kweMali
Imali yokudlulisela imali ngokuqhelekileyo i-3% ukuya kwi-5% yemali yokutshintshwa okanye ubuncinci be-$ 5. Eyona nkulu ibhalansi idluliselwe, imali ephezulu iya kuba. Yintoni ebalulekileyo kukuba imali yokudlulisela ibhalansi ayinakuyithintela imali yokonga imali oyifumanayo ngokuhambisa ibhalansi yakho. Ukuba ufumana ikhadi lekhredithi elingathengi imali yokudlulisela imali, qwa lasela.
Ingaba Ufanelekile
Ungacingi ukuba ngenxa yokuba ufumana isibonelelo sesilinganiso se-0% esiya kuvunywa. Abathumeli bekhadi lokuthenga ngamatyala bathumela ukuxhaswa kwemali phambi kokuvunywa kwabathengi abahlangabezana nemigangatho ethile. Xa usebenza, umnikeli wekhadi uya kuthatha ingqalelo ejulile kwingxelo yakho yekhredithi, ingeniso, kunye nezinye izinto zokugqiba ukuba ngaba ufanelekile. Kukho ithuba lokuba ungagqibekanga ekugqibeleni ufikelelo lomlinganiselo wokuhlawula ibhanki. Ngokuqhelekileyo, bhetele umlando wakho wekhredithi, kungenzeka ukuba uya kulungelelanisa ukunikezelwa kwemali.
Isikhathi soTshintshelo
Amanye amanani amakhadi okuthenga ngetyala afuna ukuba udlulisele ibhalansi yakho kwixesha elithile, umz. 60 iintsuku zokuvula i-akhawunti, ukufumana isantya sokunyusa. Ukuba ngesizathu esithile ungakulungele ukuhambisa ibhalansi yakho ngokukhawuleza, kufuneka ulinde ukufaka isicelo kwikhadi okanye ukhethe ikhadi lekhredithi elingafuni ukuba wenze ukudluliselwa phambili.
Umthengisi weKhadi leKhadi
Ngokuqhelekileyo awukwazi ukudlulisela izilinganiso phakathi kwamakhadi ekwereta anenkampani efanayo. Ngoko, njengoko ukhangela ibhalansi yokutshintshela ibhanki, makhuphe amakhadi akhutshwe ngumthengi ofanayo kunye nesalathisi ofuna ukuyifaka.