Ukuba uthabatha ixesha lakho ukuhlawula ibhalansi yakho yekhadi lesikweletu, umniki-khadi wakho wekhredithi uya kuhlawulisa umrhumo wokulungela ukuthatha ixesha lakho kunokuhlawula ibhalansi yakho kwangoko. Le ntlawulo ibizwa ngokuba ngumrhumo wezezimali kwaye nje umrhumo wenzalo ohlawulwe ngemali oyiboleke.
Iindleko zemali zihlala zisetyenziswa kunoma yiyiphi ibhalansi ethathwa ngaphaya kwexesha lobabalo . Ngokuqhelekileyo unganqanda ukuhlawula ihlawuliso yezimali ngokuhlawula yonke ibhalansi ngaphambi kokuphela kwexesha lobabalo.
Iimali zokuhlawula iimali zivavanywa nini?
Umnikeli wakho wekhadi lokuthenga ngetyala uyithumela ibhilikhwe yeentlawulo zakho zonke iintsuku ezingama-24 ukuya kwi-29 ngokusekelwe kumjikelezo wakho wokuhlawula. Iindleko zemali zekhadi zemali zithengiswa ngokubanzi kwibhalansi yakho ngosuku lokugqibela lomjikelezo wokuhlawula . Ngaloo ndlela, umnikeli wakho wekhadi lokuthenga ngetyala unokuqwalasela yonke into kwi-akhawunti yakho ukubala ixabiso elifanelekileyo lezemali.
Uya kuhlawuliswa xa kukho imali:
- ukuthengiselana akukwenziwe phantsi kwe-0% yokukhuthaza inzala
- Unayo ibhalansi ekuqaleni komjikelo wenkokhelo
- ukuthengiswa akufumani ixesha lokubonga, ngokuqhelekileyo ukunyuka kwemali
Naziphi na iimpazamo zokubambisa eziye zaphikisana ngokubhaliweyo aziyi kuvavanywa ihlawulwe ngezimali ngelixa umnikezeli wakho wekhadi lokuthenga ngekhredithi uphenya uphikisana lakho.
Iimali ezihlawulwa ngaphaya kangakanani?
Iindleko zezemali zibalwa nganye umjikelezo wokuhlawula ngokusekelwe kwi-APR yakho kunye nekhadi lakho lekhadi lesikweletu, ngoko ke imali yakho yezimali yemali iya kuhluka ukusuka ngenyanga ukuya kwenyanga.
Ababolekisi baneendlela ezahlukeneyo zokubala iintlawulo zezimali ngokusekelwe kwindlela ababala ngayo ibhalansi yakho. Abaniki bamakhadi bamakhadi bangabala inani lakho lokuhlawula imali usebenzisa ibhalansi yakho yemihla ngemihla, umyinge wokulinganisela kwakho kwansuku zonke, ibhalansi ekuqaleni okanye ekupheleni kwenyanga, okanye ibhalansi yakho emva kweentlawulo sele isetyenzisiweyo.
Ngoku ngokungekho mthethweni kubaxhasi bekhadi lesikweletu ukuhlawulisa imali entsha yeemali kwibhalansi oye uyihlawula umjikelezo wokugqibela wokuhlawula.
Ukuba umnikeli wakho wekhadi lesikweletu usebenzisa i- balance balance method ( calculate your statement card card) okanye iimeko kunye neemeko zokuqinisekisa), ungayisebenzisa le miyalelo ukuqikelela ukuhlawulwa kwemali yakho. Uya kufuneka ube neengcamango malunga nokuba ibhalansi yakho yekhadi lesikweletu iya kuba yintoni.
Isivumelwano sakho sekhadi lesikweletu singabandakanya ihlawuliso encinci yemali ehlawulwe nayiphi na ixesha xa ibhalansi yakho ixhomekeke kwintlawulo yezemali. Ngokomzekelo, amagama akho kwikhadi lekredithi angabandakanya i-$ 1.00 ehlawulwa imali ephantsi. Ukuba imali yakho ebhaliweyo yebhajethi yemjikelezo othile wokuhlawula i-$ .65 kuphela, uya kuhlawuliswa i-$ 1.00 yentlawulo yeemali kule nyanga.
Kuphi ukufumana ukuhlawulwa kwezeMali
Uza kubona ixabiso lakho lezemali elidweliswe kwiindawo eziliqela kwintetho yakho yenyanga yokuthenga ngetyala . Kwiphepha lokuqala lokutyala kwakho, uza kubona isishwankathelo se-akhawunti sibhala ibhalansi yakho, iintlawulo, iikhredithi, ukuthenga, kunye nentlawulo yezemali, enokuthi ibhekiswe "njengentlawulo yenzalo."
Ekuphumeni kweentengo ezenziwe kwi-akhawunti yakho ngexesha lomjikelo wenkokhelo, uza kubona umgca wecala lokuhlawulwa kweemali kunye nomhla wokuhlawulwa kweerhafu zezimali.
Kwisiqendu esahlukileyo esihlawula iindleko zenzalo zakho, uza kubona ukuphuka kweendleko zakho zezimali ngohlobo lweemali ozithweleyo. Umzekelo, ukuba unayo ibhalansi yokuthenga kunye ne-balance balance, uza kubona iinkcukacha zeendleko zezimali ngamnye. Oku kungenxa yokuba ezi zilinganisi zihlala zineziphumo zenzalo ezahlukeneyo kunye nexesha lobabalo.
Indlela yokuhlawula umrhumo wakho weeMali
Ukwenza ukuhlawulwa kwekhadi lakho lokuthenga ngetyala , eliprintiweyo kwikhasi lokuqala lokutyala kwekhadi lakho lokuthenga ngetyala, kudla ngokwaneleyo ukufihla imali yentlawulo yakho kunye nepesenti encinci yemali. Nangona kunjalo, ukuba uhlawula kuphela inkokhelo encinci, ibhalansi yakho iya kunciphisa ngesantya esincinci kuba ininzi yentlawulo iya kuhlawula umdla. Uya kufuneka ukwandise intlawulo yakho encinci ukuba ufuna ukuhlawula ngokukhawuleza ibhalansi yakho.
Ukuba, ngenxa yesizathu esithile, intlawulo yakho encinci ingaphantsi kwerhafu yakho yezemali, ukuhlawula ubuncinci kuya kubangela ukulinganisela okukhulu, kungekhona.
Ngaba Unokunciphisa Umrhumo Wakho Wemali?
Ekubeni iifizi zakho zezimali zisekelwe kumyinge wakho wenzala kunye nokulinganisela kwekhadi lesikweletu, uza kuhlawula iindleko eziphezulu zezemali xa ezi mali ziphezulu.
Unokunciphisa inani lemali ohlawula ngayo ngokuhlawula imali yakho ngokukhawuleza, ucela inzala engaphantsi, okanye ukuhambisa ibhalansi yakho kwikhadi lesikweletu elinomyinge ophantsi.
Unokuphinda ukhuphe iindleko zezimali ngokupheleleyo ngokuhlawula ibhalansi yakho phambi kokuba ixesha lobabalo liphele. Ukuba uhlawula ibhalansi yakho ngokugcwele inyanga nganye, uya kuphepha iindleko zezimali ngokupheleleyo.