Izizathu ezilungileyo zeMali-mboleko zibalulekile
Umbutho uxhomekeke ngokuxhomekeka ekusebenziseni iitaliti ukuthenga nokuthatha izigqibo. Le mihla, i-credit card isetyenziselwa okungaphezulu nje kokufumana ikhadi lekhredithi okanye mboleko. Amashishini amaninzi enza ityala ukuba kufuneka ube nekhredithi enhle ngaphambi kokuvelisa iimveliso okanye iinkonzo kuwe.
Ichaphazela apho uhlala khona kwaye unjani ukuhlawula
Ngaphambi kokuba uthenge indlu, abathengi bemali mboleko bafuna ukwazi ukuba awuyi ku-default kwi-mortgage yakho.
Ukuba ungekhredithi enhle, umbolekisi uya kuthathwa njengengozi ukukunika mboleko mboleko. Ukuba uvunyiwe ukuthenga imali , ityala lakho lichaphazela izinga lakho lomdla elichaphazela ngqo intlawulo yakho yenyanga. Iingxowa-mboleko ezimbi zingathetha ukuhlawula imali ephezulu. Okubi ngakumbi kunjalo, isicelo sakho sokuthenga imali singaphendulwa ngenxa yekhredithi yakho embi.
Musa ukucinga ukuba awukhange ukhangele ukuthenga indlu ngoku ukuba i-credit yakho ayibalulekile. Abanikazi bokuhlala nabo basebenzisa i-credit yakho ukuba banqume ukuba ngaba baqeshisa kuwe . Abanikazi bezindlu baqwalasela indawo yokuqeshisa njengemboleko. Ubolekwa indawo yokuhlala kwaye umninimzi ufuna ukwazi ukuba uya kuhlawula le mboleko. Ukuba ungekhredithi enhle, unokwenyulwa kwindlu.
Ichaphazela oko uhambayo kunye neNtlawulo yakho yeMoto
Ngaphandle kokuba unayo imali yokuthenga imoto, kuya kufuneka ufumane imali mboleko. Ikhredithi yakho ayikuchaphazeli kuphela ukuba awuvumelekanga yini ukuba uboleke imali, kodwa kunye nemali kunye nenani lentengo yemboleko.
Ngokuqhelekileyo, abafaki-mboleko abanekhredithi elungileyo banelungelo lokufumana iimali mboleko ezininzi kunye nomyinge omncinci.
Iingxowa-mboleko ezimbi ziyakwenza ukhetho lwakho Abambalwa ababolekayo baya kusebenza nawe ukuba unetyala elibi kunye nalabo abakwenzayo baya kuhlawula umyinge omkhulu wenzalo kwimali mboleko yakho. Inqanaba lemali eliphezulu lithetha inqaku eliphakamileyo lemoto lokuhlawula inyanga nganye.
Iyakuthintela ukukhangela kwakho uYobhi
Abaqeshi abaninzi baqhuba ukuhlolwa ngetyala njengengxenye yenkqubo yokuqesha. (Qaphela ukuba abaqeshi bajonga iingxelo zekredithi ezingabhalwanga izikolo zekhredithi.) Ukuba awubonakali uxanduva lwemali, umntu oza kuba ngumqeshi unokunganqikazi ukukuqesha. Umzekelo, umqeshi unokukholelwa ukuba inqanaba lakho leetyala liphezulu kakhulu kumvuzo owenziwe.
Abanye abaqeshi bajonga iingxelo zemboleko ngaphambi kokuba banikezele ukuphakanyiswa okanye ukuphakanyiswa, ngokukodwa kwizikhundla ezichaphazeleka ngemali okanye eziphezulu.
Ichaphazela Amandla Akho Ukuqala Ibhishini
Abantu abaninzi banamaphupha okuqala ishishini labo. Uninzi lwezinto zokuqala zoshishino ludinga inani elincinci lemali ongayifumana. Kwimeko apho, kuya kufuneka ufumane imboleko encinci yoshishino. Phakathi kwezinye izinto, kufuneka ube nekhredithi enhle ukuze ufanele ukuboleka imali.
Ichaphazela ezinye iindleko zenyanga
Kusenokuba kukutshatyalaza ukuba ufunde ukuba i-credit yakho iyadingeka ukuseka inkonzo yesevisi. Inkampani yakho yombane igxininisa ukuba uboleka enye inyanga yesevisi yombane. Ngoko, ngaphambi kokuguqula umbane wakho, inkampani iya kuhlola ukuze ubone ukuba unetyala elifanelekileyo. Oku kusebenza kwiinkonzo ezininzi zesevisi kubandakanya ikhebula, umnxeba, amanzi, kunye nefowuni.
Ekubeni i- credit yakho ichazwa ngendlela oyihlawule ngayo (okanye awuhlawulwanga) zakho iindleko kwixesha elidlulileyo, amashishini amaninzi - abanikazi bempahla, ababolekisi bemali-mboleko, nabanikezeli-mboleko, kunye nabaqeshi-sebenzisa i-credit yakho ukuba uqikelele uxanduva lwakho lwemali elizayo. Naliphi na ixesha kufuneka ubole imali, okanye nakwiinkonzo, i-credit yakho ibizwa ngokuba ngumbuzo. Kungenxa yoko ukugcina i-credit entle kubaluleke kakhulu.