Izinto ezi-4 zokujonga kwiKhadi elitsha leKhadi lokuPhepha "iMali efihliweyo"
1. Iingxowa zamaTyhu
Enye yezona ziqhamo ezinkulu zeekharityhulam zamakhadi ezifihliweyo ziza ngefom yee-teaser rates, ezithe zihlawulwa ngokubanzi njengezinga lokufaka inzala kwikharityhulam entsha.
Mhlawumbi sele ufumene ezi zinikezelo ngeposi ngexesha lonke uzama ukukukhohlisa ngezantsi kakhulu, okanye nokuba ne-0% yentlawulo yesingeniso. Nangona ezi zinto zibonakala zizinto ezilungileyo, amaxabiso awazange agcine. Ngokuqhelekileyo izinga le-teaser liza kugcina iinyanga ezimbalwa okanye kwizihlandlo ezingaqhelekanga unyaka.
Ngaphambi kokusayina nawaphi na amakhadi anezinga eliphantsi, funda ukuprintwa kakuhle ukuze ufumene ukuba izinga elimgangatho liya kuba lixesha lexesha le-teaser liphezulu. Ezi zinikela ngokuphantse azizange zikhuthaze ngokucacileyo izinga elimgangatho, kwaye zenza njalo ngenjongo, ngoko kuya kufuneka ukuba ukhangele ngegama elipheleleyo ukufumana.
2. Imali yokuTshintshiselana kwemali
Enye iqhinga elisebenzisayo iinkampani zamakhadi-krediti ukubonelela ngezantsi kakhulu okanye kwi-0% kwizinga lokutshintshela ibhalansi . Oku kunokuba yinto enhle yokwenza ukuba unamathele kwelinye ikhadi elinomdla omkhulu, kodwa usadingeka uqaphele. Nangona inkampani yekhadi lekhredithi ingahlawulisi inzala ekudlulisweni kwayo, kunye neyinye intlawulo ebiza njengemali yokudlulisela imali enokubakho ngaphezulu kwe-3% yesalathisi osithumelayo, umda wexesha kwizinga eliphantsi, mhlawumbi nakwezinye izinga eliphezulu kwiintlawulo ezintsha.
Ukuba unako ukuhlawulela ibhalansi phambi kokuba uhlalutyu lwamaxabiso kwaye ungenzi naluphi na ukuthenga olutsha, le nto ingaba yinto efanelekileyo, kodwa ukuba kungenjalo, ukuhanjiswa kwebhanki elincinci kungabikho nto ehamba phambili kuyo.
3. Iimali ezihlawuleyo kunye neNqanaba likhula
Kuhamba ngaphandle kokuthetha ukuba kubaluleke kakhulu ukuba uhlale uhlawula iintlawulo zakho zenyanga ngexesha, kodwa kufuneka ufumene imimiselo ethile yemvumelwano yekhadi lesikweletu.
Ukuhlawulwa kweentlawulo ezingahlawulwanga kungabiza imali engama-$ 39, kwaye inzala yakho inomdla ingaphezulu kwama-30%. Akukwenzeki kuphela oko kukulimaza ngemali, kodwa kungonakalisa amanqaku akho kunye nekontraki ezizayo ukuba zifumane kwaye zininzi kakhulu.
Iindleko ezifihliweyo ezikhulu kakhulu ekulawuleni kwakho inyuko yenzalo eyenzekayo kwibhodi. Ngokuxhomekeke kwintengo yemali kunye nokuboleka kweemarike, iibhanki zingaphinde zandise iirhafu zentsingiselo eziqhelekileyo ngesininzi okanye esingenasilumkiso. Enye into onokuyenza kukuba unike inkampani yakho yekhadi lesikweletu ngetowuni kwaye ucele inzala engaphantsi. Unokumangaliswa ukufumanisa ukuba ukuba unembali efanelekileyo yokuhlawula, unakho ukunikezelwa ngezinga eliphantsi.
4. Iimali zoBungqina bonyaka
Ekugqibeleni, kodwa ubuncinane, kukho imirhumo yobulungu ukukhangela. Ngethuba ngamanye amaxesha ukhetho lwakho lwekhadi lokuthenga ngetyala luza kuza neemali zonyaka , njengokuba ungenazo iimbali zekhredithi kwiinkampani ukuvavanya, iifizi zonyaka zingabiza. Qiniseka ukuba ukhangele ukuba kukho umrhumo wonyaka kwikhadi ocingayo. Amakhadi anikezela ubulungu obukhethekileyo njengemiphumo yokuhamba okanye imali yangaphambili ingabandakanya ezinye zeendleko zale miba ngemali yonyaka. Unokugijima ngokukhawuleza ngokubala kwaye uthathe isigqibo sokuba i-perks isaphaya kweendleko zemali yonyaka, kodwa kukho amakhadi okwereta okwaneleyo ngaphandle kweemali ezifanele ukucinga kuqala.