Ukuba awuhlali ujabule ngekhadi lakho lekredithi okanye ufumene izibonelelo zamakhadi-mboleko ngemigaqo engcono, unokucinga ukuba usebenzisa inzuzo yokudlulisela ibhalansi. Iinyanga ezithandathu ukuya kwezilishumi elinesibhozo ezingenanzuzo ziyakunokusindisa amakhulu emadola enzala kwaye ikuvumela ukuba ukhokhe inxalenye enkulu yekhredithi yakho yamatyala ekhredithi, ukuba awukho yonke ibhalansi. Kodwa, phambi kokuthatha imali yokutshintshwa kwemali, qwalasela indleko yemali yokuthumela imali.
Lindela, Ukulinganisela UkuTshintshisa Kukho Intlawulo?
Uninzi lweemali zeemali zetyala ezingathengiweyo zihlawulwe intlawulo. Oku kuquka ukuhanjiswa kwemali. Inkokhelo yokudluliselwa kwemali yintlawulo yesikhathi esisodwa ohlawulayo xa udlulisela ibhalansi kwikhadi lesikredithi kwenye. Ngethamsanqa, imali yokudlulisela imali ibhalwa kuphela xa wenza intengiso; akufanele ukhathazeke malunga nayiphi na imali eqhubekayo. Ekubeni imali yokudluliselwa kwemali yongezwa kwibhalansi xa ishukunyiswa kwikharityhulam entsha yesikweletu, unokuhlawula ixesha elide njengoko uhlawula ibhalansi oye idlulisele kuyo.
Ingakanani Imali yokuTshintshiselwa kweMali?
Imali yokuthumela imali ngokuqhelekileyo i-3% yemali edluliselweyo, kunye ne-$ 5- Ukuba i-3% yemali yokudlulisa ingaphantsi kwe-$ 5, umzekelo, imali yakho yokudlulisela imali iya kuba yi-$ 5.
Abanye abathumeli bamakhadi bekhredithi bahlawula umrhumo wokuhlawula ibhalansi ophantsi malunga nokudluliselwa okwenziweyo ngexesha leenyanga zokuqala zekhadi lesikweletu kunye nokunyusa umrhumo emva kwexesha lokuqala.
Unokunciphisa umrhumo ohlawulwa ngawo ngokwenza ukutshintshwa kwakho kwiintsuku zokuqala okanye kwiiveki emva kokuvula i-akhawunti.
Kubalulekile ukwazi ixabiso lemali yokudlulisela imali ngaphambi kokuba wamkele isibonelelo kwaye udlulisele ibhalansi yakho. Unokufumana umrhumo wemali yokudlulisela imali kwibhengezo kwikhadi lekhredithi kwicandelo kunye nezinye iimali zekhadi lesikweletu.
Akukho sikhokhelo kwisixa semali yokudlulisela imali yokuhlawulwa kwekhadi lesikweletu, ngoko imali yakho ingaba ngaphezu kwe-$ 100 ukuba udlulisela ibhalansi enkulu.
Imali yokuTshintshiselwa kweMali echaphazelekayo ichaphazela iindleko zoTshintsho lweBhalance
Ngokuqhelekileyo, injongo yokutshintshela ibhalansi kukugcina imali kumdla, ingakumbi ukuba ufaka isicelo sokutshintshela ibhalansi kunye no- Aprici wokupasa . Ukutshintsha umdla kunye nomrhumo ophezulu wokuthunyelwa kwemali ungakuvumeli ukuba ugcine imali eninzi. Ukuba imali yokudlulisela ibhalansi iphezulu kunexabiso lemali oya kuhlawulwa kwikhadi lekhredithi langoku, ukudlulisela ibhalansi akufanelekanga. Ungasebenzisa i- calculator imali yokubala yokulinganisela ukulinganisela inani lemali oya kulihlawula phantsi kwemiqathango yamakhadi akho okwangoku.
Indlela engcono yokunciphisa iindleko zemali yokudlulisela ibhalansi kukuhlawulela ibhalansi entsha phambi kwexesha lokuphromotha. Ngaphandle koko, ibhalansi eseleyo ivelisa inzala kwizinga eliqhelekileyo. Hlukanisa ibhalansi yakho yonke, kubandakanywa nokuhanjiswa kwebhanari mahala, ngenani leenyanga ekunyusweni kwakho ukucacisa inani elifunekayo ukuhlawula inyanga nganye ukuhlawula ibhalansi yakho ngexesha lokuphromotha.
Ngaba Unokuyiphepha Imali?
Ngaphandle kokuba ukhethe ikhadi lekhredithi eliyeka imali yokudlulisela imali, imali yokudlulisela imali ibingenakukhutshwa.
Unokuzama ukuxoxisana nomrhumo ophantsi, kodwa yenza oko ngaphambi kokuba uhambise ibhalansi. Shayela inkonzo yabathengi ngekhadi lakho lomthengi kwaye ubaxelele ukuba unomdla wokutshintshela ibhalansi, kodwa ungathanda imali ephantsi. Ukuba unesibonelelo sokudlulisela ibhalansi ukusuka kwamanye amakhadi ekhredithi, ungasebenzisa oku njengendlela yokunceda ukuthetha indlela yakho ukuya kumrhumo ophantsi okanye wokungabikho kwemali.