Yiyiphi inkokhelo
Nanini na xa uthenga namhlanje ngesithembiso sokuhlawulela ngomso, usebenzisa iitaliti. Ngaphambi kokuba amakhadi enkoleko aqheleke, abathengisi babe neakhawunti zabo zetyala. Ootatomkhulu bethu, okanye abanye abazali, bangaya emakethe, bathathe ukutya ngeveki, kwaye bathembisa ukuhlawula ibhilikhwe ngokuzayo xa befumana umvuzo wabo. I-grocer yayandisa i-credit.
Ukuba ootatomkhulu wakho uhlala ehlawula ibhilikhi yakhe ngexesha, i-grocer ingenayo ingxaki yokubavumela ukuba bathathe ukutya okunye. Nangona kunjalo, ukuba ootatomkhulu wakho akayi kukhawulelanga i-bill, i-grocer ingawunqumla umgca wekhredithi kwaye ifune ukuba utatomkhulu wakho ahlawule ukutya kwabo kwindawo.
I-Credit iye yafakwa ngokufanelekileyo kwiminyaka kwaye izitolo ezininzi ziyimibutho engayi kuvumela abantu ukuba bathenge iimpahla ngaphandle kokuba bahlawule ngenye imali ngemali, bahlole, okanye ikhadi lekhredithi enkulu. Azikho izithembiso zokuhlawula.
Ngoku iibhanki ezinkulu zilawula ukuba ungasebenzisa iitaliti kunye nokuba ungayisebenzisa kangakanani.
Ngaphambi kokuba ibhanki ikuvumele ukuba usebenzise i-credit, kufuneka kuqala ikholelwe ukuba unokuthenjwa ukuba ubuyisele imali yemali oyisebenzisayo. Oku kuthathwa njengokwethenjwa kwezemali.
Ababolekisi basebenzise inani lezinto zokuqinisekisa ukuthembeka kwakho kwezezimali kwaye akusekelwe kwithuba elide bawazi ngayo intsapho yakho.
Imbali yakho yematyala yenye yezona zinto ziqhelekileyo ezisetyenziswayo. Indlela oye wasebenzisa ngayo ikhredithi ngexesha elidlulileyo-imbali yakho yemali-mboleko-ithathwa njengendlela eyona ndlela ibhetele yokuxela ukuba uza kuyisebenzisa njani kwikamva. Imbali yakho yekhredithi ibikwa kwingxelo yakho yekredithi kwaye ilinganiswe ngamanqaku akho.
Ababolekisi baqwalasela ingeniso yakho. Ngaba wenza imali eyaneleyo yokubuyisela into oyiboleke yona? Ngaphandle kwimbali enhle yokubuyisela into oyibolekayo, ababolekisi bafuna ukwazi ukuba ngokwenene unayo (okanye uya kuba neendlela) zokuhlawula i-ngetyala oyisebenzisayo.
Kubaboleki abatsha ngaphandle kwembali yekhredithi, ababolekisi bangabonisa ukubaluleka komvuzo wakho. Bangakunika kuphela inani elincinci lekhredithi ukuqala kunye kunye nokwandisa ikhredithi yakho njengoko ubonisa ukuba ungayisebenzisa.
Ukuba ungumboleki omtsha okanye uneengxaki zemboleko kwixesha elidlulileyo, umboleki-mboleko angadinga umntu onomlando weebhanki ezifanelekileyo ukuba atyikitye kunye nawe . Umnxibelelwano ngokubambene uyavuma ukuhlawula imali yentlawulo yemboleko xa omnye umntu ehluleka ukwenza njalo. Bobabini abbolekayo babelana ngetyala.
Imisebenzi Yemali
Ukuseka i-credit ngeziko lemali, kufuneka wenze kuqala isicelo. Umboleki uya kusebenzisa ulwazi oluchonga, njengenombolo yokhuseleko lwenhlalakahle, ukujonga iimbali zakho zembali kunye neentengo zemboleko.
Ii-arhente zemali-mboleko, okanye i-arhente yokubika ngetyala, ziinkampani ezigcina ingxelo yomlando wakho wemali-ngxowa-mali, owembolekisiweyo kunye nokuba iintlawulo zakho zifikile okanye ngexesha. Ukuba umboleki-mboleko unquma ukuba ungumboleki onokuthenjwa, ngoko kuya kunika isikweletu kuwe.
Emva kokuba uvunyiwe ngetyala, umboleki-mali uya kukunika izikhokelo, okanye imigaqo, ngokusebenzisa i-credit yakho. Amagama afaka, kodwa ayingagqibekanga, ingaba ungakholeka kangakanani, nokuba unokuboleka imali nje ngexesha elilodwa (umbolekisi) okanye uqhubeke usebenzisa i-credit enye (ngaphezu komda wekhredithi okanye umgca-mboleko), kanani ufanele thumela iintlawulo zokuthenga, kwenzekani ukuba ufike emva kwe ntlawulo , kunye neendleko zokusebenzisa ityala .
Ngokuqhelekileyo, umboleki-mali uyasungula inani eliphezulu lekhredithi ongayisebenzisa, umda we-credit, ngokusekelwe kwimbali yakho yemali.
Iimpawu zakho zeetyala ziza kuchaza oko kwenzekayo xa udlula umda wakho . Kwezinye iimeko, kukho isohlwayo semali.
Xa uvunyiwe ukuba ube nekhredithi eqhubekayo ongayisebenzisa ngokuphindaphindiweyo, umboleki-mali uyakunika indlela yokusebenzisa le ngxowa-mali, umz. Ikhadi lekhredithi okanye i-checkbook. Ngexesha elizayo uza kufumana isitatimenti sokubakho kwi-mboleko yakho ekuthengiseni ukuthengwa okwenzileyo, inzala ehlawulweyo, inani elincinci lokuhlawula elifanelekileyo, kunye nentlawulo efunekayo. Ngesivumelwano sakho nomboleki-mali, kufuneka wenze iintlawulo ngosuku olufunekayo ukukhusela izigwebo.
Ukufunda okungakumbi Ngetyala
Ngoku ukuba uqonda ngakumbi malunga nekhredithi kunye nendlela esebenza ngayo, ulungele ukufunda malunga nokuba kutheni ukuthenga ngetyala , nokuba ungayifumana njani ikhredithi ngokokuqala ngqa , nokuba ungakha njani ityala elifanelekileyo .