Nangona kunjalo, ubeka ngaphezulu kumgca kunokuba usayine. Ikusasa lakho lemali linokubeka ingozi xa ugqiba ukubhalela omnye umntu.
Bafuna umququzeleli ngenxa yokuba abanako ukufaneleka kuphela.
Kukho isizathu sokuba umthandane wakho akakwazi ukuyikweleta ngokwakho-kuba imbali yakhe yematyala (okanye ukungabi naso) okanye imali engenayo ibonisa ukuba abaxanduva ngokufanelekileyo kunye nekhredithi ukuze bafaneleke bodwa. Ababolekisi nababolekisi benza umsebenzi omhle wokuqikelela ukuba umenzi wesicelo unakho ukubuyisela. Ukuba umbolekisi ufuna i-cosigner, abakholelwa ukuba umthandayo unako okanye uya kuhlawula ngexesha. Khumbula, isiphetho sabo sisekelwe kwizinto ezithile kunye neenkcukacha malunga nabathandekayo bakho abasebenzisa imithwalo, kungekhona ngeemvakalelo okanye ukuhlola iimpawu.
Akukho nzuzo ngokwenene kuwe.
Xa ubhawula umbolekisi, omnye umboleki uyafumana inzuzo mboleko. Baqhuba imoto, bahlala endlwini, okanye basebenzise ikhadi lekhredithi.
Unokufumana ukuphucula umlinganiselo wakho wekredithi - ukuba zonke iintlawulo zenziwa ngexesha - kodwa akufanelekanga ingozi. Kwaye ukuba unako ukufumana umqeqeshi, umlinganiselo wakho wekhredithi mhlawumbi awudingi uncedo oluninzi.
Iintlawulo kwiakhawunti ezibhaliweyo ziya kukuchaphazela.
Xa ubhawula, unje uxanduva lwetyala njengokuba lenu ledwa, nguwe kuphela ongenakufumana inzuzo ebonakalayo yintoni na ityala lisetyenziselwa yona.
Ukuba wakho umthandayo ufike emva kweentlawulo , kufana nje ukuba uye wahamba. Ukuhlawulwa kwexesha elizayo kuya kubikwa kwingxelo yakho yekhredithi njengawo onke amanye ama-akhawunti akho. Kuya kuba nefuthe kumanqaku akho ekhredithi kunye nokukwazi kwakho ukufumana imvume kwii-akhawunti zakho.
Okubi kakhulu, kusenokuba inyanga ngaphambi kokuba umbolekisi akuxelele ukuba iintlawulo zihlahlwayo, ezikwephuzile ukuba ungenelele kwaye ulondoloze imbali yakho yematyala.
Inqanaba lakho letyala likhuphuka, kwakhona.
Inkokhelo oyibhalisile iya kukwandisa umlinganiselo wakho wesikweletu-kuya-ngeniso , ekuchaphazela ukukwazi kwakho ukufumana imvume yamakhadi kunye namatyala-mboleko. Xa ababolekisi nababolekisi baqwalasela nayiphi na isicelo ongayenza kwikhadi le-credit card okanye mboleko, baya kuqwalasela ukuba imali ebolekisiweyo ibanjiswe njengamanye amatyala akho. Ukuba ityala lenza ukuba inqanaba lakho lemali-mboleko liphezulu kakhulu, izicelo zakho zemali mboleko zingavunyelwa.
Ukholo lweentlawulo xa omnye umntu obolekayo engafaniyo okanye iifayile zichithwa.
Ngokubambisana, uyamkela uxanduva malunga neentlawulo xa umthandayo akuhlawuli ngexesha. Ukuba iintlawulo zihlahlwayo, umbolekisi okanye umqokeleli weqela lesithathu uza kuza emva kwakho. Unokugwetyelwa ityala kwaye ube nomgwebo wangena kuwe (isigwebo ngenye yezinto ezingenakwenzeka kuzo ingxelo yakho yekhredithi ).
Ukuba wakho umthandayo ufumana ityala elikhutshwe kwi-bankruptcy, baya kuwuyeka ikhonkco. Wena, ngakolunye uhlangothi, uya kuba yedwa uxanduva lokubuyisela ityala okanye unyanzelwe ukuba ulifake kwi-bankruptcy yakho.
Ulwalamano lunokubandezeleka.
Akusiyo nje ityala lakho eliya kupheliswa limale ukuba ilungiselelo elibhaliweyo liwela. Cinga ngezinto eziza kwenzeka kumtshato wakho ukuba kwenzeka ntoni kakhulu kwaye omnye umntu obolekayo ulahlekelwa iintlawulo kwaye uchitha inkokhelo yakho. Okanye, ngakumbi, kuya kwenzeka ntoni ukuba ubuhlobo bakho buwela ngaphambi kokuba umboleko uhlawulwe? Kufuneka uhambe ngokucophelela xa uxuba iimali kunye nobudlelwane.
Ukuhlawula umboleko ochanekileyo akulula nje ngokuba ufikelele kuyo.
Awukwazi ukuphuma kwimboleko echanekileyo nje ngenxa yokuba uyazisola. Xa isivumelwano sifakiwe, ngokuqhelekileyo indlela yokuphela kwegama lakho kwi-akhawunti yowomnye umntu ukuba athole i-akhawunti entsha egameni lakhe.
Oku kuthetha ukuba kuya kufuneka bathuthukise i-credit yabo ngokwaneleyo ukuze bafaneleke ngokwabo. Kunokwenzeka, kodwa kungekhona nje kulula njengoko kuzwakala. Ukuba unquma ukungena ngemvume nomntu, ngena kuwo uyazi ukuba kunokwenzeka ukuba igama lakho liya kuqhotyoshelwa ngemboleko kuze kuhlawulwe.
Umthandana wakho mhlawumbi akayi kucela ukuba usayinwe ngenjongo yokuhlawulwa kweentlawulo kunye nokulimaza i-credit yakho; abanokungaqondi nokuba indlela yokubambisana izakuchaphazela njani. Ukuba ukhetha ukubhala, kufuneka uqaphele ingozi yokuba uyamkela kwaye oko kwenzeka ntoni xa unikela ngesayinitsha yakho.