Ukuba ufunda oku, mhlawumbi ufumana ukuzisola kwabangenazi. Uqikelele ukuba ukulungiswa kwekhadi lesikweletu okanye umboleko kumntu obathandayo akuyinto engcono kwaye ufuna ukususa igama lakho kwi-matyala. Ukususwa kwegama lakho kumboleko ochanekileyo akuyi kuba lula, kuba ezinye iitalato azinakwenzeka.
Ukuqhawula umboleko okanye ikhadi lekhredithi lixelela ibhanki ukuba uzimisele ukwenza iintlawulo xa omnye umntu engenzi.
I-Cosigning ithetha ukuba ibhanki iyakulandela ukuhlawulwa nangona omnye umntu efayilileyo okanye ehamba phambi kokuba ityala lihlawulwe.
Njengomgaqo oqhelekileyo, ibhanki ayiyi kususa igama lakho kwinqanaba elibhaliweyo ngaphandle kokuba omnye umntu ubonise ukuba bayakwazi ukujongana nemboleko ngokwabo. Cinga ngako: awuyi kubuzwa ukuba ubhawule ukuba omnye umntu obolekileyo ubonise oko kukwazi ukususela ekuqaleni. Mhlawumbi izinto zatshintshile ukususela ngoko. Ibhanki ngokuqinisekileyo iyafuna ubungqina.
Ukususwa kwegama lakho kwiNgxowa-mali echongiweyo
Fumana ukukhululwa kwe-cosigner . Ezinye iingxowa-mali zinomsebenzi oza kukhupha umbopheleleko we-cosigner emva kwenani elithile lokulandelelana kwexesha-mali. Iminyaka emibini yeentlawulo zexesha-onokubonakala ngathi iyinto evamile. Funda ngemibhalo yakho yemboleko ukuze ubone ukuba kukho na uhlobo lwenkqubo ehambelana nomboleko wakho. Okanye, biza umnini-mboleko kwaye ubuze ukuba into enjengale isebenza kwimboleko yakho.
Ukuhlaziya okanye ukuhlanganisa . Enye inketho kukuba omnye umntu obolekayo ahlaziye umboleko kwigama labo. Ukuze ufanele ukulungiswa , umbolekeki kufuneka abe nembali enhle yemali kunye nenzuzo eyaneleyo yokwenza iintlawulo zenyanga zenyanga mboleko. Ukuhlanganiswa kuqhelekileyo ngemali-mboleko yomfundi. Ukuba umntu obolekayo ufanelekile, bangasebenzisa imali mboleko yokuhlanganisa ukuhlawula imali ebolekisileyo.
Imali-mboleko eyayiqhotyoshelwe ekuqaleni iya kubalwa kuluhlu kwingxelo yakho yemboleko, kodwa kufuneka ibonise ukuba i-akhawunti ivaliwe kwaye ihlawulwa ngokupheleleyo. Iintlawulo - kunye non-intlawulo - kwimali-mboleko yokuhlanganiswa ayiyi kukuchaphazela ukuba igama lakho lingabalwanga kwimboleko.
Thengisa i-asethi kwaye uhlawule umboleko . Ukuba usayinwe kwi-home or car loan kwaye omnye umntu akenzi iintlawulo njengoko kuyimfuneko, unokukwazi ukuthengisa i-asethi (imoto okanye indlu) kwaye usebenzise imali ukuhlawula umboleko. Igama lakho kufuneka libe kwisihloko sokuthengisa loo propati kumnye umntu.
Susa igama lakho kwiKhadi leMatyala
Umniki wekhadi lokuthenga ngetyala (credit card) angakususa ngokuzithandela igama lakho kwikhadi lekhredithi ukuba akukho bhalansi kwikhadi. Nangona kunjalo, ukuba kukho ibhalansi, kuya kufuneka uyihlawule ngaphambi kokuba wenze ezi ntlobo zenguqu kwi-akhawunti.
Dlulisa ibhalansi . Omnye umntu obolekayo unokukwazi ukudlulisela ibhalansi kwikhadi lesikweletu elisegama labo kuphela. Xa ibhalansi idluliselwa, vala ikhadi lesikweletu ukuze iindleko zingenakwenziwa kwi-akhawunti. Ukugcina iirhafu eziza kwenziwa, unokucela umkhupheli wekhadi wesikweletu ukuba anike ingxelo kwi-system yabo ebonisa ukuba iakhawunti yekhadi lesikweletu ayifanele ivuliwe.
Ukuhlawula imali . Akuyi kuba mnandi ukuhlawula ibhalansi yekhadi lesikweletu ongeyenzi kwaye awuzuzanga. Nangona kunjalo, ukuhlawula ibhalansi kungcono kunokuchitha inqaku lakho lekhredithi kunye nabaqokeleli bamatyala bakuphishekela. Unako ukuvala i-akhawunti okanye ube nomkhupheli wekhadi lokuthenga ngetyala ngekhredithi yomda wekhredithi ukuze kungabi nakwimali ezayo kwikhadi, ngokukodwa xa uzama ukulahla ibhalansi.
Susa Igama Lakho Kulo Mvuzo Owenziwe
Xa umntu obathandayo ekhusele umqondiso wakho ngemboleko, ubeka kwindawo ekhuni. Awufuni ukuthwala uxanduva ngesigqibo ongakhange senze, kodwa ufuna ukuphepha ukuba umntu wakho othandekayo abanjwe ngenxa yokukhwabanisa okanye ukukhwabanisa - into enokwenzeka xa uvuthela umkhwelo ukuze uzikhuphe.
Umboleki-mali mhlawumbi akayi kususa igama lakho kwi-mboleko eqingqiweyo ngaphandle kokuba uxelele ukukhwabanisa kwamapolisa okanye ubanike ingxelo efungelweyo apho umgcini-mvume avuma kwi-offense.
Bobabini babeka umhlobo wakho emngciphekweni wezenzo zomthetho. Ukuba awuvumeli umnini-mali uyazi malunga nokucima emva kokuba ufumanise, ukuthula kwakho kungachazwa njengento yokuvuma. Ngamanye amazwi, unokuhlawulwa ngemboleko.
Unokuzama ukuthatha enye yezenzo ezikhankanywe ngaphambili: ukuba umntu ahlaziye okanye adibanise imboleko okanye adlulisele ibhalansi ukuba ikhadi lesikweletu. Unokwenza ilungiselelo kunye naloo mntu ukuba ahlawule umboleko kwithuba elithile elithile, kungekudala kunokuba kamva. Unokuba unesigxina sokubhaliweyo i-affidavit evuma ukuxhatshazwa nje xa bengayikhokheli mboleko kwaye kamva bazame ukufaka isicelo sokuba ubhala.
Ukuncamela Okokugqibela
Ukuba awukwazi ukufumana umboleki-mali ukuba ususe igama lakho kwi-mboleko echanekileyo okanye ibhalansi yekhadi lesikweletu , ukhetho lwakho olufanelekileyo kukugcina ubuncinci kwiintlawulo ezincinci de ihlawulwe ibhalansi okanye kube yilapho omnye umboleki angafumana i-akhawunti yakhe igama. Ukubambisana kungabikho umba ngaphandle kokuba omnye umntu engagcinwanga kunye neentlawulo, ngoko ke ungene kumkhwa wokujonga imeko yokuhlawula, ngokukodwa kwiintsuku ezikhokelela kumhla ochanekileyo, ngomhla ofunekayo kunye nomhla emva . Musa ukulinda ixesha elide kuba iintlawulo zexesha elidlulileyo ziya kwi ingxelo zakho zemali emva kweentsuku ezingama-30.