Ziziphi iiNyathelo ezifunekayo ukuhlawula iMali?
Ngaba ukuhlaziya kwakhona kwenza i-Sense?
Ngaphambi kokuba uqalise kwinkqubo yokuhlengahlengisa , qwa lasela ukuba ingenangqiqo ukucoceka.
Inkqubo ibiza imali (nangona ungabhalwanga isicatshulwa nantoni na) kwaye kuthatha ixesha elininzi. Ukuba iinzuzo zokuhlengahlengiswa zincinci, kunokuthi kube yinto ekhethileyo. Qinisekisa ukuba ingakanani imali oyakusindisa ngayo nendlela oya kuphucula ngayo imeko yakho.
Xa unesiqinisekiso sokuthi ukucoca kwakhona kukukhethileyo, lixesha lokuqhubela phambili.
Jonga iMali Yakho
Ikhredithi yakho ibalulekile nayiphi na ixesha ofaka isicelo semboleko-ngakumbi ingxowa-mboleko enkulu njengemali mboleko. Ekubeni uyazi uya kuba isicelo; yinto efanelekileyo yokuhlaziya i-credit yakho ngokukhawuleza. Uya kufuna ukuqinisekisa ukuba akukho ziphoso okanye iimangalo kwiingxelo zakho zemali-mboleko eziza kunciphisa inkqubo. Kungcono ukufumana malunga nalezi zinto ngaphambi kokuba uqale ufake isicelo semali mboleko; ukufumana iimpazamo ezilungisiweyo kungathatha ixesha, ngoko kufuneka usebenze kulabo ngokukhawuleza.
Uvumelekile ukujonga iingxelo zakho zekhredithi mahhala , kwaye ezo ngxelo zinakho konke okufunekayo ukuba wazi.
Mane ufunde kwaye uqinisekise ukuba uqaphela zonke ii-akhawunti ezibonakalayo, kwaye ugcine iso kwiinkcukacha ezibonisa iintlawulo zexesha elide.
Qaphela ukudibanisa nekhredithi yakho ngaphambi kokuba uhlaziywe. Ukuba ufaka isicelo semboleko ngaphambi kokuba uhlaziye (ukuthenga imoto entsha, umzekelo), ababolekisi baya kubona ukuba usanda kuthatha ityala elingaphezulu.
Kamsinya, uba ngumboleki owingozi ngakumbi kuba unetyala elingaphezulu kwabanye ababolekisi. Uya kufuneka unqume oko kubaluleke kakhulu-ukukwazi ukuhlaziya umboleko wakho okanye ukukwazi ukuthenga entsha. Unokufuneka uphile ngaphandle komnye okanye omnye ukuba i-credit and income yakho ayinamandla okwaneleyo ukuxhasa bonke bobabini.
Qhagamshelana nababoleki
Emva kokuba wazi ukuba i-credit yakho ifanelekile, lixesha lokuqala ukubuza malunga. Ukudibanisa iintlobo ezahlukeneyo zabathengi: iimanyano zetyala, ababolekisi be-intanethi, amabhanki amakhulu kunye neebhanki ezincinci. Buza bakho abahlobo kunye nosapho ababoleke kuyo kwixesha elidlulileyo nalapho bafumana amava amahle.
Hlanganisa ulwazi oluninzi njengoko unako malunga nenkqubo yemboleko nganye, iirhafu zemali, kunye nayiphi na imali. Usenokufuna nokufumana amanani amaninzi avela kumboleki ngamnye. Abanye baya kuzama ukukulinga ngeemali-mboleko ezingabiziva , ezingabonakalayo namhlanje, kodwa zingagqiba ukuxabisa ixesha elide. Buza malunga nezinye iindlela ezikhoyo.
Nciphisa intsimi ukuya kubini okanye abathathu ababolekisayo, kwaye uqale ufake isicelo sokuboleka imali.
Faka isicelo seMali
Inkqubo yesicelo ilula kodwa ichitha ixesha. Buza ababolekisi bakho indlela yokufaka isicelo, kwaye baya kunika imiyalelo. Kufuneka uzalise ifom ye-intanethi, okanye unokufumana i-stack yephepha.
Lindela ukubonelela ngeenkcukacha ezininzi malunga nawe kunye nemali yakho. Uzakufuna ukumba iirekhodi ezibhalisa ubunikazi bakho, ingeniso yakho kunye nezinto zakho. Izicelo zetyala zifuna ulwazi oluthe ngqo, kwaye kukulungele ukuphendula ngokuchanekileyo ngokunokwenzeka - ngaphandle koko, idibanisa ingawela.
Kungaba nzima ukusebenzisana nababolekisi abangafunanga imibuzo emininzi. Nangona kunjalo, ungeke ufumane into engcono xa uthetha loo ndlela. Ewe, kulula ukuyifumana kwinkqubo (kwaye kulula kwakhona ukufumana imboleko) xa iifayili ziphantsi, kodwa oko kukuxelela ntoni ngetyala lakho? Iphakamisa ukuba abajongi abafaki-mboleko ngokukhawuleza, kwaye abanalo ngcamango enhle kakhulu ukuba ingaba uya kubuyiselwa imali yakho. Kwiimeko ezininzi (kodwa kungekhona zonke), oku kuthetha ukuba nabo bahlawula amazinga aphezulu ukuhlawula loo mngcipheko.
Abafundi bavame ukubuza ukuba ukufaka izicelo zokuboleka imali kunye nababolekisi abaninzi kuya kubangalisa amanqaku esikweletu. Nasiphi na isicelo siya kukhwela i-credit yakho kancinci, kodwa ababolekayo bayazi ukuba ungathengisa (baze balindele ukuba kubathengi be-savvy). Kweentlobo ezithile zemboleko, njengemali-mboleko kunye nemali-mboleko yemoto, awuyi kwenza umonakalo omkhulu ngokusebenzisa nabathengi abaninzi. Iiprogram zokufaka iitaliti zemali zivumela ukuba uthengise ngaphakathi kwefestile yexesha (kwindawo ethile phakathi kweeveki ezimbalwa kunye neentsuku ezingama-45) ngaphandle kwesihlwayo, ngoko qiniseka ukuba wenze yonke into yakho yokuthenga ngexeshana elifutshane.
Yenza isigqibo
Ababoleki baya kuphendula kwisicelo sakho - ngamanye amaxesha ngokukhawuleza - kunye neenkcukacha malunga nayiphi na imali ekhoyo. Thatha ixesha ukuthelekisa zonke izibonelelo, funda ukushicilela kakuhle, uze usebenze ezinye iinombolo. Mbonise kakuhle indlela umboleko ngamnye oza kusebenza ngayo ngokumisela umbala wokubala. Emva kokuba uzimisele ukuba yiyiphi imboleko efanelekileyo, yinto nje yamasayinithi ambalwa kumboleki, kwaye uyenziwe.