Ngaba Ufanele Uvumele umntu ukuba athathe ngaphezu kweentlawulo zakho zeeNqwelo?
Impendulo emfutshane: nangona ungayifumana umntu ukuba athathe indawo yakho, kungcono ukuthengisa imoto okanye ukuphuma ngaphandle kokuqeshisa ngokupheleleyo.
Umlingo
Naluphi na umboleko, nokuba unayo indlu okanye wenza iintlawulo kwiloli, kubonakala ngathi yinto ecacileyo: fumana umntu ozimiseleyo kunye nokwazi ukwenza iintlawulo ezifunekayo, kwaye uhambe kude nale ntengiso. Umthengi uxhamla kwiindleko eziphantsi eziphambili kunye nentlawulo eqikelelweyo. Umboleki ufumana ukuqokelela iintlawulo njengokungathi akukho nto eyenzekayo. Okona kubaluleke kakhulu, ufumana inkululeko yokuhamba - wonke umntu uyaphumelela.
Ngelishwa, kunzima kakhulu kunoko.
Mngcipheko
Usenomthwalo wentlawulo uze udibanise ngokupheleleyo izivumelwano ozenzileyo. Ukuba ufaka isicelo semboleko, i-credit yakho isemgceni, kwaye unembopheleleko yokufumana imali ehlawulwayo. Lo mngcipheko awutshintsheli kumntu othabatha imoto yakho kwaye uqala ukwenza iintlawulo.
Ukuba iintlawulo ziyeka ukufika (nangona nayiphi isizathu - umboleki wakho unokufa, utshintshe ingqondo yakhe, ulahlekelwe ngumsebenzi wakhe, okanye uchithe imoto), inkampani yokubolekisa okanye yokuqeshisa izakuthatha inxaxheba kuwe (ababolekisi abanalo ilungelo ngokusemthethweni ukuya emva ko "umthengi" wakho ngenxa yokuba abanalo isivumelwano esayinwe).
Oku kungabandakanya ukuthumela i-akhawunti yakho kwiiqoqo, ukufaka izigwebo, ukuhlawula umvuzo wakho kunye nokunye.
Ekugqibeleni, umthengi wakho akanalo naluphi na ulusu kumdlalo - uyakwenza.
Solution Best
Ukuphelisa umngcipheko wakho, phelisa uxanduva lwakho lokubuyiselwa, ukuthengisa imoto yakho (nokuba unayo imali kuye ) kwaye uhlawule umboleko.
Ngentlawulo enye engaphantsi kwenyanga, kube lula ukufumana imvume mboleko entsha .
Ngokuqinisekileyo unokubuza ibhanki yakho malunga nokudlulisela imali mboleko kumnye umntu. Akunakwenzeka ukuba oku kukhetho, kodwa awusoze wazi ngokuqinisekileyo uze ucele.
Ukuba uqeshe isithuthi, ungazama ukuyithengisa kwaye uhlawule ukuqeshisa. Isithuthi sakho sinexabiso, kwaye ungasebenzisa elo lilinganiso ukuvelisa imali (ungenako ukufumana okwaneleyo ukuyihlawula ngokupheleleyo, kodwa ubuncinane wenze i-dent ezintweni).
Kusenokuba nako ukutshintshela ukuqeshisa kwintengiso apho uxanduva lokubuyiselwa luya kutshintshwa ngokusemthethweni komnye umntu. Iiwebhusayithi eziliqela zinikezela le nkonzo - kodwa yenza uphando lwakho ukuqinisekisa ukuba usebenza nomntu ohloniphekileyo (kwaye qinisekisa ukuba uxanduva lwakho luphelelwe ngu-100%).
Iindlela eziNye (iiNzuzo kunye neNgxowa-mali)
Ukuba awukwazi ukukhulula ngokomthetho ngokwakho uxanduva lokubuyiselwa, unamanye ambalwa (nangona ungeyena mnandi).
Ukuhlaziya:
Ngokuxhomekeka kwiimfuno zakho, ukuhlaziywa kwemali mboleko kungenzela uncedo. Ngokukodwa ukuba i-credit yakho iphuculwe ekubeni uthenge isithuthi, imali ehlawulwa ngayo ingenakho ixabiso eliphantsi kunye neentlawulo eziphantsi.
Ukuba uhlaziywa, kungase kube nzima ukuhamba ngenkokhelo ephantsi.
Ukwenza oko, unokukhetha ixesha elide kakhulu lemali-mboleko (iminyaka emihlanu okanye ngaphezulu, umzekelo), ukongeza loo minyaka ngaphezu kwexesha osuchithe uhlawula phantsi kwemali mboleko. Kodwa qaphela: ngelixa ukuhlawula okuphantsi kukubhenkce, ukunweba imali mboleko kuya kukubiza ngaphezulu kwexesha elide . Uya kuqala ngomboleko omtsha, oku kuthetha ukuba ubuyele kwiminyaka yokuqala yemboleko xa iindleko zakho zemali ziphezulu.
Urhwebo
Ukuba ufuna imoto eyahlukileyo, unokuthengisa inqwelo yakho ekhoyo, kwaye ungeze nayiphi na ibhalansi yemboleko engakhokhelwa kwimali-mboleko yakho entsha. Kodwa oko akunqabile ingcamango efanelekileyo - njengokwelula i-mboleko (ebiza iindleko ezingaphezulu), ufumana imali mboleko engaphezu kwemali yakho entsha.
Ukubuyiswa
Ukuba akukho nanye kwindlela ongakhetha apha ngasentla (kwaye kufuneka uphume embolekweni), kungcono ukuba unike izitshixo ngaphezulu kumboleki wakho.
Ukuba uzinikele ngokuzithandela isithuthi , awuyi kuhlawula iindleko ezipheleleyo zokuzihlaziya - kodwa uya kuhlawulwa nayiphi na ibhalansi engakhokhelwa, kwaye i-credit yakho iya kubandezeleka. Kodwa ubuncinane uya kukhulula ukuhamba kwemali kwaye ungaqalisa inkqubo yokuqhubela phambili. Thetha kunye nomcebisi wezikweletu ngaphambi kokuba uyeke ukwenza iintlawulo okanye ukunikezela isithuthi sakho.