Mhlawumbi enye yezinto ezinokuguquguquka kakhulu malunga nokuba nekhadi lesikweletu unako ukwenza inkokhelo encinci kwi-balance yakho inyanga nganye kunokuba uhlawule imali yakho ngokugcwele.
Inkokhelo encinci yimalini ephantsi kakhulu onokuyihlawula kwibhalansi yakho yekharityhulam kwaye ukhuphe isohlwayo sentlawulo. Ngethuba nje uhlawula ubuncinci ngosuku olufunekayo, unobume obuhle kunye nomniki-khadi wakho wekhadi.
Nangona inkokhelo encinci yintlawulo elula, yile ndlela ihamba ngokukhawuleza yokuhlawula ibhalansi yekhadi lakho lesikweletu. Ukuba wenza kuphela intlawulo encinci kwikhadi lakho lesikweletu, kunokuthatha iminyaka ukuhlawula ibhalansi. Akunjalo, unokugqiba ukuchitha imali amakhulu, mhlawumbi nakwiwaka, inomdla ngelixesha lokuhlawula imali.
Iintlawulo ezincinane zibalwa njani
Isivumelwano sakho sekhadi lesikweletu siya kuchaza indlela inkokhelo yakho encinci ibalwa ngayo. Ingaba yinto eyahlukileyo kumakhadi akho nganye.
Ngokuqhelekileyo, iintlawulo ezincinci zibalwa njengepesenti (into efana ne-1-3%) yokulinganisela kwekhadi lakho lesikweletu. Intlawulo yakho encinci ingaba phezulu xa unemali yezohlwayo, umlando wakutshanje weentlawulo zexesha elide, okanye ungemva kweentlawulo zakho.
Awunayo ukuzama ukubala intlawulo yakho encinci. Intlawulo yakho encinci yokuhlawula iya kubalwa kwisitatimende senkokhelo ye-credit card nganye ngenyanga.
Inkokhelo encinci, ixabiso eliphezulu
Ukubona impembelelo yokuhlawulwa kwekhadi lesikweletu kunye neentlawulo ezincinci kuphela, qwalasela ibhalansi yekhadi lesikweleti ye-5,000 zamaRandi, kunye ne- APR ye-14%, kunye nentlawulo encinci njengesi-2% sokulinganisela kwekhadi lakho lesikweletu. Ukwenza iintlawulo ezincinci kuphela, kuya kuthatha iminyaka engama-22 kunye ne-5,887 kwiindleko zezemali ukuhlawulela eli matyala, kungabandakanyi nayiphi na iirhafu ozibandakanye ngaphezu kobomi bekhadi lesikweletu.
Ukwandisa iintlawulo zakho ukuya kwi-$ 125 ngenyanga kuya kukuvumela ukuba uhlawule ityala elifanayo ngaphantsi kweminyaka engama-6 kwaye uchithe imali eyi-1,775 kuphela.
Ukungabi nje kuphela ukwandisa iintlawulo zakho kukuvumela ukuba uhlawule imali ngokukhawuleza, ugcine imali inzala. Kulo mzekelo, ungasindisa ngaphezu kwe-4,000 zama-$ nje ngokunyusa intlawulo yakho kwaye uyigcine kwinqanaba elifanayo de uze uhlawule ngokupheleleyo.
Iintlawulo ezincinci zibalwa ngokubalwa njengepesenti yemali ekhoyo. Esinye sezizathu ezithatha kuthatha ixesha elide ukuhlawula ibhalansi yakho kunye nentlawulo encinci kukuba inkokhelo yakho encinci ihla ngenyanga nganye njengoko ibhalansi yakho yekhadi lesikweletu lihla. Intlawulo ephantsi ithetha ngaphantsi kwe-balance yakho ihlawulwa inyanga nganye.
Bala inani lakho lokugqibela lokuhlawula
Umthetho we-Federal ufuna ukuba isitatimenti sakho sokubakhoda ngekhadi lesikweletu zibandakanye inani lexesha eliza kuthatha ukuba uhlawule ikhadi lakho lekredithi ukuba wenza kuphela intlawulo encinane. Khangela ikopi yakutshanje ukuze ubone umgca wekhadi lakho lekhredithi. Unokumangaliswa ukubona inani leminyaka eliza kuthatha ukuhlawula ibhalansi yakho xa wenza imali encinci yokuhlawula.
Ungasebenzisa kwakhona i- calculator payer calculator ukubala ixesha eliza kuthatha ukuhlawula ikhadi lakho lekredit kunye neentlawulo ezincinci.
I-calculator yenzuzo iyakubonisa kwakhona umyinge wenzala oya kuhlawula xa wenza kuphela intlawulo encinci kwaye akuvumele ubone ukuba ukwandisa inkokhelo yakho kukunceda njani ukuhlawula ibhalansi yakho kungekudala.