Kutheni Uhlawula ngaphezu kweNcinci?

Izizathu ezi-3 zokuhlawula ngaphezu kokuncinci

Kuzama ukuhlawula kuphela ubuncinane kwikhadi lakho lekhredithi . Ezi ntlawulo ezincinci kulula ukuzenza, ngoko uvakalelwa ukuba ulawulwa ngemali yakho (ngaphandle kokuba unetyala, kwaye ubuncinci nonke unakho ukufumana). Usenokuzibuza ukuba kutheni umntu oza kuhlawula ngaphezu kweyona ntlawulo efunekayo.

Iintlawulo ezincinane zibalwa njengepesenti ye-balance balance, kwaye ukuhlawulwa kwepesenti ezi-2 kwi-4 ekhulwini kuqhelekileyo.

Ngenxa yokuba ezo ntlawulo zincinci, kukho iingxaki ezininzi xa uhamba ubuncinci.

1. Uya kuhlawula inzala

Ingxaki yokuqala kukuba uya kuhlawula inzala eninzi . Amakhadi eitaliti ayenzixhobo ezibizayo zokuboleka, kwaye awufuni ukugcina ibhalansi kwikhadi lesikweletu ixesha elide. Ukuba uhlawula kuphela ubuncinci, ininzi yentlawulo yakho yenyanga iya kudliwa yindleko zentshisekelo, kwaye uya kunciphisa kuphela ibhalansi yakho ngemali encinci.

Ukubona umzekelo oyintloko weendleko zentlalo (kwaye uninzi kangakanani ukuya kwibhalansi yakho ngenkokhelo nganye) ubone indlela yokubala iintlawulo zekhadi lesikweletu . Sebenzisa ityala lakho kunye neentlawulo njengomzekelo, uze uzame ezinye-ukuba zibalo. Sebenzisa le calculator ye-intanethi ukubona amanani ekusebenzeni.

2. Uya kuhlawula ngonaphakade

Akunako ukuthabatha ngonaphakade, kodwa uya kuziva ngathi ezo ntlawulo ziya kuba nawe ebomini bakho bonke. Ngeentlawulo ezincinane, ukuhlawula ikhadi kungathatha iminyaka eyi-10 (okanye ngaphezulu).

Kwakhona, wenza nje ityala elincinci kwimeko enetyala lakho xa wenza iintlawulo ezincinci. Kufuneka uhlawule owongezelelweyo ukukhawulezisa inkqubo .

Ngaba bekungeke kube mnandi ukuba ungabi namatyala ngelinye ilanga? Esikhundleni sokwenza iintlawulo ezifunekayo ezingenzi nto kuwe (ngaphandle kokugcina ityala kwaye kukunceda ukuphephe ukungagqibekanga ), kungcono ukuba ube nekhono lokubeka imali kwiinjongo ezingaphezulu ezizikhethelayo.

Unako ukwakha ukugcina umhlalaphantsi, ukuhlawula indlu, okanye ukuhlawula umtshato ngemali .

3. Kunzima ukuboleka

Ukuba ufuna ukufumana enye mboleko, wenza izinto zibe nzima kuwe xa ushiya ikranti yekhadi lesikweletu. Ngokomzekelo, unokufuna ukuboleka ukuthenga indlu okanye imoto. Ababoleki bavavanya ubuchule bakho bokubuyiselwa kunye nokukrazula i-credit yakho , kwaye kulula ukuba babone ukuba nje uhlawula ityala.

Iimali zokufumana : Ukufumana imoto evumelekileyo okanye yemboleko yemali, kufuneka ubonise ukuba unemali engenayo yokuhlawula imali mboleko. Ababoleki baphonononga umthwalo wakho weentyala (ekhoyo ukuba uhlawula malini kwiimali zakho ngenyanga) kwaye uvavanye ukuba unako ukufumana iintlawulo ezongezelelweyo . Ukuba uhlawula kuphela ubuncinci obufunekayo, uya kuba netyala elingaphezulu, kwaye oko kuthetha ukuba unemali encinci ekhoyo ngenyanga nganye ukuhlawula imali-mboleko emitsha (ngokwezibalo zentengo). Isiphumo? Awukwazi ukufumana mboleko oyifunayo.

Amanqaku okuthenga ngetyala: Uzakufumana amanqaku aphantsi ekrejethi ukuba awuhlawuli amakhadi akho. Iipesenti ezingama-30 ze- FICO yakho yamanqaku okuthenga ngetyala aphuma kwi-"mali ehlawulwayo": umlinganiselo wentlawulo engakanani-kwaye uninzi lwetyala lakho elikhoyo elikhoyo ngoku.

Ukuba awuhlawuli phantsi amatyala akho, kubonakala ngathi ukhawuleza amakhadi akho, kwaye ininzi ityala lingakubeka ngaphaya komda. Iimodeli zokulinganisa ngetyala azinqweneli ukubona izilinganiso eziphezulu kwiakhawunti ezihamba phambili . Gcina izikali zakho ngaphantsi kweepesenti ezingama-30 zomlinganiselo wakho wekhredithi ukuphepha umonakalo omkhulu kwi-credit yakho.

Indlela yokuhlawula amatyala

Ukuba ulungele ukudlula ngaphaya kokuhlawula ubuncinane, yenza isicwangciso sokuphuma kwetyala:

1. Sebenzisa imali encinci (ewe, kulula ukutsho ngaphandle kokwenza).
2. Ukuhlawula ngaphezu kokuncinci-nokuba yi-$ 10 okanye i-$ 20 ngenyanga kwenza ukuba umehluko, kodwa kuninzi ngakumbi, ngakumbi ukuba unengxowa-mali yezoxinzelelo kwiindawo zokumangalisa.
3. Ukuhlanganiswa kwamatyala ukuba ungasindisa kwiindleko zentshisekelo (okanye usebenzise ibhanki yokutshintshelisa ibhaliso xa unokuyihlawula yonke into kwisithuba ezintandathu ukuya kweenyanga ezilishumi elinesibini).
4. Gwema isilingo sokukhawuleza ityala (kwakhona) emva kokuhlawula amatyala akho.

Amakhadi enkokhelo awayibi kakhulu. Kodwa izinto ezimbi zenzeka xa uhlawula kuphela ubuncinci inyanga nganye. Amakhadi enkoleko angenza ukuba lula imali yansuku zonke, kwaye bahlala bekhuselekile ukusebenzisa ngaphandle kwamakhadi e-debit . Kodwa kubalulekile ukuhlawula ibhalansi yakho yonke inyanga.