Ukuba uthengisa ngemboleko, okanye ufuna ukufumana umyinge omncinci wemali kwimali-mboleko yakho yangoku, ungasebenzisa ezi zicwangciso ukukunceda ukugcina imali kwimali mboleko yakho. Umyinge we-interest rate, ungaphantsi uza kuyichitha inzala, kodwa inokuchaphazela inani lemali yokuhlawula kunye nokuba kuthatha ixesha elingakanani ukuhlawula umboleko. Ezi zicwangciso zemboleko zingasebenzela ubuninzi beemali-mboleko onayo.
01 Khangela kwiiNyunyana zeMatyala kuqala
Ukuthatha ixesha lokuphanda iirhafu ezinikezelwa ngamabhanki ahlukeneyo angakugcina imali eninzi ngexesha elide, ngokukodwa kwimali-mboleko emikhulu njengemali yokuboleka imali. Unokufumana iirhafu zamanqanaba ezikhoyo zenziwa ngokujonga kwiwebhsayithi yebhanki.
02 Hlela i-Payment Automatic
Ukuba ubhalisela ukuhlawulwa ngokuzenzekelayo, kufuneka ube nako ukunciphisa umlinganiselo wakho wenzala. Oku kusebenza ngemali mboleko mboleko, iimali-mboleko zemoto kunye nemali-mboleko . Amabhanki anjengolu hlobo ngenxa yokuba banakho ukuhlawulwa ngexesha kunye nokutshintshwa kwaye akudingeki ukhathazeke malunga nokwenza intlawulo nganye ngenyanga. Khangela ukujonga ukuba ufanelekile le nketho ngeemali-mboleko zakho zangoku.
Umbuzo olula uze ulandelelanise ukuqinisekisa ukuba inzala engaphantsi iyakunceda ukugcina kwimali yomboleko. Oku ngokuqhelekileyo akuyi kusebenza kwikhadi lesikweletu, kodwa lingasetyenziselwa imali mboleko yakho. Umboleko wakho womfundi unokufumana le ndlela.
03 Vula i-Akhawunti kwiBhanki entsha
Ezinye iibhanki ziya kunika ixabiso elingaphantsi kwemithwalo yemali okanye ixabiso lentengo kwimali-mboleko yemoto ukuba unayo i-akhawunti yokujonga. Ukutshintshwa kweebhanki kunokubaluleka ukugcina imali, ingakumbi ukuba ukhangele imali enkulu njengemali yakho. Nge-mortgage yakho, kunokuba luncedo ukusebenzisa umthengi wemboleko onokukunceda ukuba ufumane imigaqo engcono kakhulu yemali yakho yokuboleka imali.
Umthengisi wemboleko angakwazi ukukunceda ufumane imali ekhethiweyo. Nangona kubonakala ngathi intlungu ukutshintsha ii-akhawunti, kunokuyenza lula ukuba yonke into ibe ne-akhawunti yakho kwi-bhanki enye. Olunye ukhetho kukuba ne-akhawunti evulekileyo kwaye idlulisele kuphela ekuhlawuleni imali yakho mboleko kuyo nyanga nganye.
04 Qinisekisa iMali Yenzuzo Ephakamileyo
Ukuba kunokwenzeka unokudibanisa iimali-mboleko zakho eziphezulu , njengamakhadi akho ekwereta, kwiimali-mboleko zakho kunye nomyinge ophantsi. Le mboleko ingakuvumela ukuba uhlawule ityala lakho ngokukhawuleza ekubeni ungekho imali eninzi ngenyanga. Kungaba lukhetho olufanelekileyo xa nje ulandela izikhokelo ezimbini ezisisiseko. Okokuqala, kufuneka uyeke ukusebenzisa amakhadi akho ekhredithi ngokupheleleyo. Akukho ndawo yokuboleka imali ukuba uyaqhubeka nokuya kwetyala ngenyanga. Okwesibini kufuneka uphephe ukubophelwa kwemali mboleko yemali mboleko kwikhaya lakho ngokusebenzisa umgca we-equity home or second mortgage. Oku kubeka ikhaya lakho engozini ukuba awukwazi ukuhlawula amatyala kwixesha elizayo.
Thatha ixesha lokuthenga i-loan consolidation loan. Ingakusindisa imali eninzi. Ukongezelela, thatha ixesha lokuqinisekisa ukuba uya kuyeka ukusebenzisa amakhadi wakho ekwereta phambi kokuba wenze. Unokuba ufuna ukusekela injongo yokungazisebenzisi iinyanga ezimbini ukuze ungasayi kuba nomkhwa ngaphambi kokuba uthathe imali yokuboleka.
05 Ukuphucula umvuzo wakho
Enye yeendlela ezilungileyo zokufumana umyinge wezinga lentlawulelo elincinci kukufumana amanqaku aphezulu emboleko. Akukho ukulungiswa ngokukhawuleza okuza kuphakamisa umbane wakho wekhredithi ngobusuku bobusuku. Kubalulekile ukusingatha i-credit yakho kakuhle ukususela ekuqaleni ukuba ufumane intlawulo yeerhafu. Kukho izinto onokuzenza ukuze uphucule umlinganiselo wakho wekhredithi ukuba awukho phezulu njengoko ungathanda.
- Isinyathelo sokuqala kukubamba kwiintlawulo ezidlulileyo njengezinto ezisetyenziswayo kunye namakhadi ekwereta.
- Enye into ongayenza kukunciphisa inani okhoyo njengamanje kwi-credit. Ukuba usebenzisa i-credit card yakho eninzi, inokwenza ukuba amanqaku akho ahlawulwe.
- Ukongeza, kufuneka uqaphele ngokuvala iakhawunti yakho yamakhadi asekudala kuba oku kungenza ukuba amanqaku akho ahlawule. Ukuba uyazi ukuba uya kufaka isicelo sokuthenga ngemali ngonyaka ozayo, kufuneka ubeke imizamo ekukhutsheni amanqaku akho esikweletu ngaphambi kokufaka isicelo semboleko.