Indlela yokuTyala kweMatyala
Xa uhlawula ityala kunye nenkampani unika ukuhlawula ngaphantsi kunokuba unetyala lokutshintshela lonke ityala lokuxolelwa.
Ngamanye amaxesha unokuthi uxoxisane ukuya kwiingamashumi amabini okanye amathathu kwipesenti zemali oyimali oyimfuneko. Ukuhlawulwa kwematyala kusebenza kuphela kwimali- mboleko engaqinisekanga okanye amatyala ngaphandle kokubambisa njengamakhadi- mboleko okanye iimboleko zemali . Ukubolekisa ngemali mboleko enjengemoto okanye yemali mboleko yasekhaya ibhanki iyakubuyisela into kwaye ayiyi kuxoxisana neentlawulo ezahlukeneyo. Ekubeni inkampani inenkathazo yokuqokelela ityala kuwe ngaphambili, kufuneka uhlawule imali oxoxisana ngayo kwisinye isixa semali phakathi kweentsuku ezimbalwa zokwenza isivumelwano kunye nenkampani. Ngenxa yoko, kufuneka uxoxisane kunye nenkampani enye ngexesha. Ukuhlawulwa kwematyala kuthintela amanqaku akho kwikhredithi ngenxa yokuba ityala lisithi lihleli, kodwa kungcono kunokuba kukho imali eninzi ehlawulwe ngenxa yesikweletu sakho kwingxelo yemboleko. Kungaba lukhetho olubhetele kunokuba ushiye i-bankruptcy.
Iinkqubo zokuhlala kweMatyala
Ukuhlawula amatyala kunokunceda ukucima ityala lakho ngokukhawuleza kunokulihlawula.
Ingxoxo ingenza kube lula ukunyamekela ityala lakho kunokungayihoxisi kwaye inethemba lokuba liya kuhamba. Ukuhlawulwa kwematyala kukuvumela ukuba uhlawule into enetyala lakho, oku kunokukunceda ukulungisa iingxaki xa uziva ungakhange ukwazi ukuhlawula amatyala akho akhoyo ngenxa yokuba imeko zakho zezemali zitshintshile.
Umthamo woTyala lweMatyala
Ukuhlawulwa kwematyala kunokuchaphazela kakubi kumanqaku akho okwekhredithi , ekubeni amatyala awayi kuthi ayakhokhelwa ngokupheleleyo. Unokulungisa kuphela ityala elinye ixesha, oko kuthetha ukuba usenokuba neefowuni zokuqokelela ukuqokelela xa uzama ukugcina imali ukuhlawula amatyala akho. Kungathatha ixesha lokuhlawula zonke iimali zakho, apho kubanjwe i-bankruptcy iya kubagcina ukuhlawula ngokukhawuleza. Uya kufuneka uhlawule irhafu kwisixa sematyala esithethelelwe. Kufuneka ucwangcise ukuba uhlawulelo lwetyala luya kuthintela njani irhafu yakho ngoku
Ukuxoxisana nokuTyala kweziTyala
Unokuxoxisana nokuhlawula amatyala ngokwakho. Uzakufuna ukuluhlu lwamatyala akhoyo emva kwintlawulo kwaye ujonge ixabiso okhoyo ngoku. Zama ukugcina malunga neepesenti ezingamashumi amahlanu zalowo mali kwaye ubize umnini-mboleko ukuba unikele ngemali ngokukhawuleza. Qala ngexabiso elincinci kunokuba ulondolozile ngoku, kuba uya kufuneka uxoxisane nomlinganiselo wentlawulo kunye nomboleki. Ukuba baya kwamkela ixabiso njengentlawulo epheleleyo, kufuneka ucele ukuba bakuthumele ileta echaza ukuba ulinde ukufumana ngaphambi kokuthumela intlawulo. Gcina ikopi yetshekhi ngeleta kwifayili ngonaphakade. Oku kuya kukukhusela kwimeko apho inkampani ibonisa ukuba usenayo imali.
Emva kokuba uhlawule ityala elinye uqala inkqubo kunye nelinye ityala.
Ukusebenzisa iNkampani yokuTyala iMatyala okanye uMmeli
Ungasebenzisa inkampani yokuhlawula amatyala okanye igqwetha ukuze uhlawule amatyala akho. Inkampani yokuhlawula ityala iya kudibanisa nabathengi bakho kwaye ixoxisane neendawo zokuhlala. Ngeli xesha uya kuba nenkokhelo yenyanga ngenyanga kwinkampani yokuhlawula amatyala, abaya kuyisindisa ukuze baxoxisane neendawo zokuhlala. Iinkampani zokuhlawula amatyala ziya kuthatha inxalenye yaloo mali ngemirhumo yeenkonzo zazo. Ukongezelela ezinye iinkampani zokuhlawula amatyala ngokukhawuleza zivale kwaye zithathe yonke imali oyihlawule ngayo. Kubalulekile ukuphanda ngenyameko inkampani kwaye uqinisekise ukuba imthethweni kwaye ivulekile iminyaka emininzi ngaphambi kokuba uhambe nabo. Ummeli we-settlement of debt will work in the same way like a company debt settlement.
Kubalulekile ukuqwalasela ngokucophelela zonke iinketho zakho xa ufuna ukusebenzisana nenkxaso yokuxhamla kwetyala .
Ezinye iindlela zokuhlala kwiMatyala
Kukho ezinye iindlela zokuhlawula amatyala. Omnye ukuseka isicwangciso sokuhlawula ityala ngokwakho. Esi sicwangciso ubhale uluhlu lwakho lwamatyala ngenjongo yokuncinci ukuya kwelona likhulu ukuya phezulu ukuya phezulu ukuya kwizinga eliphantsi kakhulu lentengo. Emva koko ufumana imali eyongezelelweyo ukuhlawula ityala lakho inyanga nganye kwaye uyifake kwi-matyala yokuqala kwikoluhlu lwakho. Emva kokuba uhlawule ityala uqhubela kwi-ityala lesibini. Kuba amatyala asemva kuwe angenza iintlawulo zokubanjwa okanye ukugcina imali kunye nokuhlawula imali ngokupheleleyo ngexesha elilodwa, apho ityala lihambelana noluhlu lwakho.
Ukucebisa ngetyala kunika enye inketho. Isevisi yokunika iingcebiso ngekhredithi iya kukunceda ukudala uhlahlo lwabiwo-mali kwaye uya kusebenza nababolekisi bakho ukunciphisa iintlawulo zakho zenyanga okanye inzala. Uya kwenza iintlawulo zenyanga ngenyanga kwaye baya kuhlawula ababolekisi bakho. Oku kungcono kunokuba kuhlawulwe amatyala, kodwa kuthintela amanqaku akho. Ukuchithwa ngenye indlela. Kuya kuba nefuthe kakhulu kumanqaku akho okwekhredithi kwaye yenza kube nzima kuwe ukuboleka imali kwixesha elizayo.