Ukuhlawula ibhalansi yekhadi lakho lesikweletu kukufezekiswa okukhulu, ngakumbi xa uqale nge-balance-four-digit. Xa ibhalansi yakho ihlawulwa, kuya kufuneka ugqibe isigqibo sokuba wenze ntoni ngemali kunye nekhredithi oye wakhupha.
Ungayisebenzisa imali ukuhlawula elinye ikhadi lekhredithi
Ukuba unama-balance balance card, ukuhlawula enye yazo kukuqala kohambo lwakho ukuya kwinkokheli inkululeko.
Kalokunje, ukuba unqamle ibhalansi yokuqala yekhredithi (okanye yesibini), ungasebenzisa amandla afanayo kwi-balance card yekharityhulam elandelayo. Ukusebenzisa inkokhelo enkulu yemali kwibhalansi yakho inyanga nganye kukunceda ukuhlawula ibhalansi yakho kungekudala kunokuba usasaza iintlawulo zakho kuzo zonke iimali zakho. Qinisekisa ukuba uqhubeka ukwenza iintlawulo ezincinci kuzo zonke ezinye i-akhawunti yakho ukuphepha iimali ezifihliweyo kwaye ugcine i-akhawunti yakho ngokuma kakuhle.
Unokuhlawula imali yakho.
Ukukhawulezisa ixesha elikuthathayo ukuba ube ngumzi wakho ngokupheleleyo ngokuphambukisa imali yakho eyongezelelweyo kwi-balance balance mortgage yakho. Ukuba uthenge ikhaya lakho ngaphantsi kwe-20% phantsi, ukuhlawula phantsi imali yakho yokubambisa kuyo kukunceda ukulahla i-inshurensi yakho yangasese. Ukwandisa inani lokulingana onakho ekhaya lingakunikela kwi-hook ye-PMI kwaye unciphise intlawulo yakho yenyanga yokuhlawulwa kwemali.
Ngaphandle kwenkcazelo ye-PMI, ukuhlawula i-mortgage yakho kungekudala kunokugcina inzala kwaye kukunyathele kwiminyaka yobudala yokuhlala ekhaya kunokuza kwenza imali efunekayo yokuhlawulwa kwemali.
Hlola iphepha leemboleko zemali-mboleko ukuze uqiniseke ukuba awuyi kuhlangabezana naso nasiphi na isohlwayo sokuhlawulwa kwemali ngokuhlawula imali yakho ngokukhawuleza kunokuba ihleliwe.
Unokuhlawula imboleko yakho yemoto.
Imboleko yakho yemali yinye umviwa oza kuzuza xa uhlawule ikhadi lekhredithi. Unokubaluleka nomboleko wakho wemali kwi-mortgage yakho, ingakumbi ukuba umboleko wakho wemali njengomyinge ophezulu.
Uza kusindisa imali kwi-interest kwaye wenze isithuthi sakho kungekudala. Kwaye kunye nentlawulo yakho ye-auto kunye nekhadi lokuthenga ngekhredithi ngaphandle kwendlela, uya kuba neemali ezininzi ezifumanekayo kwezinye iinjongo zemali.
Ungayifaka imali ekulondolozeni.
Ukuba awunawo amanye amakhadi ekweretyana okanye amatyala ahlawulwe, into elandelayo efanelekileyo kukubeka imali ekulondolozeni. Unokufaka isandla kwingxowa-mali yakho yomhlalaphantsi, kwingxowa-mali yekholeji yezingane, i-fund yengxowa-mali, okanye ukugcinwa kweeholide. Kuya kuba lula ukuba uguqula imali kwiinjongo zakho zokulondoloza ngokukhawuleza emva kokuba uhlawule ikhadi lakho lekredithi. Kunzima ukugcina imali xa usetyenziselwa ukuyisebenzisa.
I-akhawunti yakho iya kuhlala ivulekile ngaphandle kokuba uyivale.
Ukuhlawula ikhadi lekhredithi akufani nokuhlawulwa kwemboleko. Xa uhlawula imali mboleko, i-akhawunti ithathwa njengeyivaliwe kwaye ukuba ufuna ukuboleka imali engaphezulu, kuya kufuneka ufake isicelo seminye mboleko. Ukucinga ukuba iakhawunti yakho yekhadi yekhredithi yayimi kakuhle xa uhlawula ibhalansi, i-akhawunti iya kuvuleka. Awunayo ukuvala i-akhawunti, ngaphandle kokuba iyingxenye yesicwangciso esikhulu sokunciphisa inani lamakhadi e-credit .
Umlinganiselo wakho wekhredithi awukwazi ukunyuka kakhulu.
Umlinganiselo wakho wesikweletu sele usuphuculwe ekubeni usenza iintlawulo zexesha elifanayo kunye nokunciphisa ibhalansi yakho encinci.
Qhubeka usebenzisa ityala ngokufanelekileyo ukugcina amanqaku omboleko owakhileyo.
Unokulingwa ukuba ungene kwityala kwakhona.
Ngomda wakho wekhredithi ngokupheleleyo, ungalingeka ukuba uhlawule kwakhona ityala. Gwema ukukhawuleza ityala lamatyala ngokuhlawula imali yakho ngokugcwele nyanga zonke, akukho nto. Ngaphandle koko, ukuvala ikhadi lakho lekhredithi kususa ithuba lokubuyela kwisikwere.