Iphi na i-Statute yeMilinganiselo ye-Clock Qala?

Ummiselo wokunciphisa ityala ngumlinganiselo wexesha eli ityala linyanzeliswa ngokusemthethweni, okanye kunoko, inani lexesha umthengi angasebenzisa inkundla ukuba akuphoqe ukuba uhlawule ityala. Ukuba uthe wahlawuliswa ngetyala elidlulileyo, ugqwetha lakho lingasebenzisa umyalelo wokuphelelwa yisikhathi njengendlela yokukhusela ukugweba isigwebo kuwe. Ukwazi ukuba iwashi kummiselo weeminganiso iqala kukunceda ukubala ukuba imimiselo yemingcele iphelelwe lixesha kwaye ikuncede wenze isigqibo sokuba uza kuhlawula ityala elidala okanye uliye yedwa.

Ummiselo othile weemingalo zetyala lakho kusekelwe kwimeko enetyala - umzekelo, ikhadi lesikratshi okanye imali-mboleko - kunye nombuso apho uhlala khona okanye urhulumente uthathelwa ityala.

Iphi na i-Statute yeMilinganiselo ye-Clock Qala?

Ummiselo wokunciphisa "iwashi" uqala ukukhawuleza ngomhla wokugqibela komsebenzi kwi-akhawunti yakho. Ngokuqhelekileyo lo ngumhla wokugqibela owenza intlawulo, kodwa unokuba ngumhla owawusebenzisa ngayo i-akhawunti, wenza isithembiso sokuhlawula, ufake isivumelwano sokuhlawulwa, okanye uvumelekile ukuhlawulwa kwetyala.

Ukulinganisa i-Statute kwiTyala lakho

Ngokuqhelekileyo, unokujonga ingxelo yakho yekredithi ngomhla wokugqibela womsebenzi ukuze uqonde ukuba umyalelo wexesha lokunqanda iwashi iqalile. Oko kuphela ukuba umsebenzi wokugqibela uyihlawulelo okanye intlawulo kwiakhawunti yakho - imisebenzi echazwe kwi-ofisi yemboleko yemali kwaye awunayo enye into kwi-akhawunti. Umsebenzi womlomo, njengento yokuhlawula okanye ukuvuma kwetyala, akuxeliwe kwii -credit bureaus , ngoko ke amanqaku akho okanye iirekhodi (ukuba uzigcinele) unokukunceda ukwazi ngokuqinisekileyo xa umsebenzi wokugqibela ubekho kwi-akhawunti.

Unokucela umthengi okanye umqokeleli umhla wokugqibela lomsebenzi kwi-akhawunti. Ngoxa bengafuneki ukuba banike impendulo, kufuneka baphendule inyaniso ukuba banquma ukukunika impendulo. Ukuba ungathandabuzeki malunga nexesha lommiselo wesikweletu sakho, qhagamshelana nommeli, ingakumbi ukuba umqokeleli wetyala usongela ukuba akugwebe okanye usuvele wafaka isigwebo kuwe.

I-Statute yemingqinisiso neNkcazo yeNgxelo yeNgxowa-mali

Ummiselo weemingcele uvame ukudideka kunye nexesha lokunika ingxelo ngetyala, eliyiminyaka esixhenxe kwiingxelo ezininzi. Umda wexesha lokunika ingxelo ngekhredithi uhlala ususela ngomhla wokuhlawulwa kokugqibela kwi-akhawunti. Ingxelo yakho yekhredithi iya kubandakanya umhla wokuhlawulelwa kweenjongo zeengxelo zemboleko.

Ummiselo wemingcele usenokusebenza nangona ukuba umda wexesha lokubhengezwa ngetyala ulidlulile. Kwamanye amazwe, ummiselo wemida ungaphezulu kweminyaka eyisixhenxe. Okanye, unokuphinda uqalise ummiselo wemiqathango ngokuthatha isenzo, njengokwenza ilungiselelo lokuhlawula, engabhalwanga kwingxelo yakho yekhredithi.