Enye yezinto ezikhangayo ngokusebenzisa ikhadi lekhredithi kukuba unakho ukulungele ukuhlawula imali encinane kwinqanaba lakho kwinyanga nganye de ihlawulwe ngokupheleleyo. Unokulingwa ukuba usebenzise oku kulungelelanisa kwaye usebenzise imali yakho kwezinye iinjongo. Nangona i-intlawulo encinci kulula ukuyifaka, ngokuqhelekileyo ixabisa kakhulu kwixesha elide. Nazi izizathu ezimbalwa kufuneka ulumle ibhola kwaye uhlawule ngaphezu kokuncinci kwikhadi lakho lesikweletu .
01 Londoloza imali kwiNzala
Xa wenza inkokhelo encinci, ugqiba ukuhlawula ngaphezulu kwiimali zetyala ngaphandle kokuba uhlawule ibhalansi yakho ngokukhawuleza ngokwenza iintlawulo ezinkulu. Ungasindisa amakhulu, mhlawumbi amawaka, ama-dollar ngenzala nje ngokukhupha iikhodi zekhadi lakho leenyanga.
Ngokomzekelo, ukuba unayo i-$ 2,000 ibhalansi kwi-14% ye-APR, ukuhlawula ubuncinci kuya kubiza i-$ 1,833.24 ngenzala. Ukuba endaweni yoko uthumele i-$ 100 ngenyanga kwaye ungenzi iindleko zexesha elizayo, uza kuhlawula kuphela i-$ 290.77 inzala. (Ngokusekelwe kwi-Bankrate.com ye-Payment Minimum Calculator kunye nenkokhelo encinci ibalwa kwinzala + 1% ye-balance)
02 Ukuhlawula i-Balance Off kungekudala
Akukuphela nje kukubala ukuba wenze inkokhelo encinci, kuya kuthatha ixesha elide ukuhlawula ngokupheleleyo imali yakho.
Ngokomzekelo, kuya kuthatha iminyaka engaphezu kwe-14 ukuhlawula ibhalansi yekhadi lesikweletu ($ 2,000) (ngo-14% wama-APR) xa wenza kuphela iintlawulo ezincinci. Ngakolunye uhlangothi, ukuthumela i-$ 100 ngenyanga rhoqo kunokukuvumela ukuba uhlawule ibhalansi kwiminyaka engaphantsi kweminyaka emibini (kwakhona, ucinga ukuba awuyi kwenza iirhafu ezizayo kwikhadi kwaye i-APR yakho ayitshintshi).
03 Ukuphucula umvuzo wakho
Ukusetyenziswa kwetyala - umlinganiselo wekhadi lakho lekhadi lesikweletu kumlinganiselo wakho wesikweletu - ngu-30% wemali yakho yemali. Ukuba ibhalansi yekhadi lakho lesikwerethi liphezulu ngokumalunga nomda wokuthenga ngetyala, ixabiso lamanani amanqaku atyala. Umlinganiselo wekredithi ophantsi ungenza kube nzima ukufumana amakhadi kunye namatyala-mboleko.
Iintlawulo ezincinci zinciphisa ixabiso lakho elincinci ngexesha elithile. Ngoko ukuba unokusetyenziswa okuphezulu, kuya kuthatha iinyanga ezimbalwa, mhlawumbi neminyaka, ukunciphisa ibhalansi yakho nokunciphisa ukusetyenziswa kwakho. Ukuzisa ibhalansi yakho ngokukhawuleza ngokuhlawula ngaphezulu kuncinci kuya kunceda ukuphucula amanqaku akho.
04 Qalisa Ukulungelelanisa Imboleko
Ukuba uceba ukuthenga ikhaya okanye wenze enye inzuzo enkulu yokuthengwa kwetyala kwixesha elizayo, mhlawumbi kufuneka uhlawule ityala elithile ukuze ufanele ukubolekisa imali okanye uvumeleke ukufumana umyinge wezinga lomncintiswano.
Iintlawulo ezincinci aziyi kuhlawula ngokukhawuleza ukulinganisela kwekhadi lesikredithi ngokukhawuleza. Khuphula iintlawulo zakho ukuhlawula izilinganiso zekhadi lesikweletu ngaphambi kokuba wenze isicelo semboleko enkulu.
05 Ukwandisa iNgxowa-mali yakho ekhoyo
Amakhadi akho ekhredithi awunamsebenzi ukuba awunayo nayiphi na ityala esikhoyo kuba izikolo zakho ziphakamileyo. Yaye ukuba ibhalansi yakho iyancipha ngokukhawuleza kuba uhlawula ubuncinci, kuya kuba yithuba ngaphambi kokuba ungasebenzisa kwakhona amakhadi akho ekwereta. Bhatala imali yakho ngokukhawuleza ukugcina umlinganiselo wakho wekredithi ufikeleleke.