Umlinganiselo omkhulu wokuthenga ngetyala unika amandla amaninzi okuthenga, uncedisa ukusetyenziswa kwekhredithi yakho, unokukunceda ukuphucula amanqaku akho ekhredithi , kwaye unokukunceda ukuba ulungele amakhadi ekwereti enemiqathango emikhulu. Ngaphandle kokunyuka kwekhawuntingi ngokuzenzekelayo ukusuka kumniki wakho wekhadi lokuthenga ngetyala, unokucela ukunyuka kwemali yemali . Umnikeli wakho wekhadi lesikweletu uya kuqwalasela imbali yakho ye-akhawunti, ingeniso, kunye nembali yekhredithi ukugqiba ukuba ngaba uphakamisa umda wakho wesikweletu.
Ngelishwa, iimeko zokunyusa umlinganiselo wesikweletu ngamanye amaxesha ziphikisiwe.
Nazi ezinye izizathu zokuba uvumelekile
Ube sekwephuzile kwikhadi lakho lesikweletu okanye enye ikhadi lekhredithi kwiinyanga ezili-12 ezidlulileyo . Ukuhlawulwa kwexesha elifutshane kubonisa ukuba unenkathazo yokulawula iimbopheleleko zakho zemali. Ekubeni umnikethi wakho wekhadi unokuqwalasela ingxelo yakho yekredithi ukuze avume ukunyuka kwekhadi lakho, ukuhlawulwa kwexesha elide nakwezinye iikhadi lekhredithi kunokukhokelela ekunyuseni ukunyuswa kwemali yemali.
Ukulinganisela kwakho kule mali okanye ngamanye amakhadi eemboleko aphezulu ngokumalunga nomda wokuthenga ngetyala . Ukulinganisela kwamanqaku ekhredithi aphezulu kunokuthetha ukuba sele usukhulile. Abaniki bamakhadi bamatyala baya kunqikaza ukukunika ingxowa-mboleko xa kubonakala ngathi sele unetyala lekhadi lesikweletu.
Uvule ama-akhawunti amaninzi kwiminyaka edlulileyo okanye emibini . Okubaluleka ngokuba "kuninzi kakhulu" kuya kuhluka kumniki wekhadi lokuthenga ngetyala kwilandelayo. Kungaba ezintlanu, okanye mhlawumbi zibe lishumi.
Ukuba uye wavula amakhadi amatyala amaninzi kwiminyaka emibini edluleyo, ungamangaliswa ukuba isicelo sokunyusa umlinganiselo wesikweletu siphendulwa.
Unayo inkokhelo enkulu okanye ikhodi yamatyala amaninzi . Ukuba unamakhadi athile eentengo zemali okanye ubuninzi beentengo zemboleko , sele unobungozi obukhulu bokufumana ityala.
Umnikezeli wekhadi lokuthenga ikhredithi akafuni ukukubona ufumana ityala. Akunjalo kuba bayakukhathalela wena, kodwa ngenxa yokwandisa umngcipheko wokuba ungayikhokheli kwiintlawulo zekhadi lakho lesikweletu kwaye ukwanda kwamanqanaba okuthenga ngetyala kuya kwandisa ingozi.
Uyenze izicelo ezininzi zakutshanje zekhredithi . Izicelo zamva nje zekhredithi zingalimaza amathuba akho okufumana ukunyuka komlinganiselo wesikweletu, nokuba ngaba awuvunywanga okanye ukuba ekugqibeleni uguqule ikhadi lekhredithi. Izicelo ezininzi zakutshanje zingabonisa ukuba uthatha i-credit engaphezulu okanye ukuba unengxaki ethile yemali ofuna ukuyilungisa ngekhredithi.
Iakhawunti yakho intsha . Abaninzi bamakhredithi bamakhredithi bafuna ukuba i-akhawunti yakho ivule phakathi kweenyanga ezintandathu ukuya kwezilishumi elinesibini phambi kokuba unokuqwalaselwa ngokunyuka komda wesikweletu. Kungenzeka kube sikhulu kubaxhasi bekhadi lesikweletu. Ukuba i-akhawunti yakho isanda kuvulwa, linda okungenani iinyanga ezintandathu ngaphambi kokucela ukunyuswa kwemida yesikweledu ithuba elihle lokufumana imvume.
Awunayo ingeniso eyaneleyo yokwandisa umlinganiselo wesikweletu . Umda wakho wesikweletu uhlala uhambelana nomvuzo wakho wenyanga. Ukuba ingeniso yakho iphantsi kakhulu (ngokwemigangatho yomkhupheli wekhadi lesikweletu), isicelo sakho sokwandisa umlinganiselo wesikweletu singavunyelwa.
Unokwenyuka kwemali yemali ngokutsha . Ungalindelanga ukufumana umlinganiselo wesikweletu sembuyiselo. Kungcono ukulinda ubuncinane inyanga ezintandathu phambi kokucela enye inqanaba lokunyuka kwetyala.
Iintlawulo zakho zenyanga ziphantsi kakhulu . Ukuba uyenzela kuphela intlawulo encinci okanye ubuncinci ngaphezu kobuncinci, kunokuthetha ukuba awukwazi ukuhlawula imali yakho yekhadi lesikweletu. Ukuba ufuna umnqweno omkhulu wesikweletu, kuya kufuneka uhlawule ngaphezulu kuncinci. Nenjongo yokuhlawula ubuncinane ubuninzi bebhanki yakho inyanga nganye, ukuba awuyi kuhlawula ngokupheleleyo.
Amanqaku akho ekhredithi aphantsi kakhulu . Amanqaku akho ekhredithi avumela umniki wekhadi lokuthenga ngetyala ngeenkundla ukuba anqume ngokukhawuleza ukuba uyakunika isicelo sakho sokwandisa umlinganiselo wesikweletu Iimpawu eziphantsi kweemali zesikweletu zibonisa ezinye iingxaki zemboleko ezikwenza ukuba ube ngumviwa okhuselekileyo umlinganiselo wokuthenga ngetyala.
Hlola umlinganiselo wakho wekhredithi ukuze ubone ukuba zeziphi izinto ezenza ziphantsi. Umnikeli wakho wekhadi lokuthenga ngetyala uyakuthumela kunye nekopi yamahhala yomlinganiselo wakho wekhredithi ekubeni isetyenziswe kwisigqibo sokukhanyela ukunyuka kwemali yakho.
Unokugqithiswa kwexesha elifutshane kwirekhodi yakho yekhredithi . Ukuba nentsuku enye engama-30 ehlawulwa ngokukhawuleza inokukugcina ukuba ungeneli lokunyuka kwemali-mboleko, akumele umangaliswe kukuba ukugqithisa okunzulu okufana nokuqokelela okanye ukubuyisela kwakhona kuya kufumana ukunyuka kwetyala lakho lokunciphisa.
Yintoni eyenzekayo emva kokunyuka kweMboleko yakho kwanda isicelo sakho
Umnikeli wakho wekhadi lokuthenga ngetyala uya kuthumela ileta ukuba ulwazi malunga neengxelo zemali-mboleko okanye amanqaku akho ekhredithi yeso sizathu sokwenyuswa kwemali yesikweletu sakho. Ileta iya kuthiwa yimiba ephambili ebenegalelo kwisigqibo kwaye zibandakanye amanqaku akho ekhredithi e-free okanye imiyalelo ukuze ulandele ingxelo yakho yekhredithi.
Ukuba ulindele ukufuna umlinganiselo omkhulu wesikweletu, sebenzisa amakhadi akho ekwereta ngendlela eya kukunceda ufumaneke. Yenza zonke iintlawulo zakho zenyanga ngexesha. Sebenzisa ikhadi lakho lekredithi inyanga nganye kwaye uhlawule inxalenye enkulu ebhaleni lakho lekhadi lesikweletu. Ukwenza ukuthenga okukhulu kunye nokuhlawula isamba semali kwi-balance balance kunokunceda ityala eliyidinga umlinganiselo wesikweletu omkhulu. Kodwa, qaphela ukuba awuyikuhlawula ngaphezu kokuba unako ukuhlawula. Ekugqibeleni, ukunciphisa izicelo zakho zemali ezintsha kwiinyanga ezikhokelela kwisicelo sakho sokwandisa umlinganiselo wesikweletu.
Unokuzibuza nokuba iinkampani zekhadi lekhredithi zinganciphisa umda wakho wesikweletu ngaphandle kokukwazisa.