IiNcwadi zeTyala
Zonke iileta zetyala, kuquka ukubonwa kweekhredithi, kuxhomekeke kumaxwebhu . Ukuhlawulelwa, umxhamli (kwakhona, ngokuqhelekileyo ungumthengisi okanye umnikezeli wesevisi) kufuneka afake amaxwebhu ebhankini.
Lawo maxwebhu aquka incwadi yekhredithi ngokwawo kunye nawaphi na amaxwebhu abonisa ukuba umthengisi ufezekise uxanduva lwakhe.
Iileta zetyala zixhobo zokuhlawula , zihluke kwisivumelwano sokuthenga okanye sokuthengisa. Ii-LC zisetyenziselwa ukuqinisekisa ukuba umntu ngaphesheya kweso sivumelwano wenza izenzo ezithile. Amabhanki aqinisekisa ukuhlawula kwaye abambelele kwimali ade iqinisekiswe ukuba iimfuno ezithile zidibene. Ukuseta incwadi yecredit, i-party eyenza inkokhelo iya kufaka isicelo sencwadi yeebhanki ngebhanki yendawo.
Ukuba uthengisa into ethile (kumthengi wakwamanye amazwe, umzekelo), unokufumana inzondo ngokusebenzisa itekiti yekhredithi: kunye nesivumelwano esilungileyo, uya kuhlawulwa ngokukhawuleza ukuba uthumele iimpahla njengoko kuvunyelwene ngazo. Ukuhlawula ngokuqinisekileyo kuqinisekiswe yibhanki echanekileyo, ngoko awuxhomeki kwi-credit (okanye ukuvuma) komthengi onokungaqhelekanga naye.
Ukuba uthenga into ethile, ileta yekhredithi inokukunceda ukuphepha ukuhlawula into engakaze ifike. Esikhundleni sokuthumela imali kunye nethemba elona lihle, iifowuni zakho zigcinwe ekuhambeni kwaze kwaba lula ukuba umthengisi akhiphe imibhalo ebonisa ukuba uthunyelwe kuwe. Ngokomzekelo, umthengisi angadinga ukubonelela ngebhanki yeempahla kunye namanye amaxwebhu.
Konke okutshoyo, awukwazi ukuphelisa ngokupheleleyo ingozi usebenzisa incwadi yekhredithi - umthengisi angathumela iimpahla eziphantsi kwexabiso okanye aze enze ukukhwabanisa aze athumele ibhokisi yeendonga - kodwa ngokuqinisekileyo unokunciphisa umngcipheko wakho. Amabhanki aya kukhupha imali ngokukhawuleza kokuba afumana amaxwebhu adweliswe kwileta yesikweletu. Ibhanki ayiyi kuqinisekisa ukuba umyalelo uzalisekile njengoko kucacisiwe kwisivumelwano sokuthenga. Nangona kunjalo, unokufuna isitifiketi sokuhlola sencwadi yekhredithi, enika umntu ithuba lokuphonononga iziqulatho zokuthunyelwa ngaphambi kokuba inkokhelo yakho ikhishwe.
Kuthetha ntoni "ngokukhawuleza"?
Nangona ukuhlawulwa kunye ne-LC ijongwe ngokukhawuleza, akusikho ngokukhawuleza. Ibhanki yomdayisi (nokuba yiyiphi ibhanki exoxa okanye ecebisa ) iya kuhlaziya amaxwebhu angeniswe kwaye aqiniseke ukuba ahlangabezana neemfuno kwileta yesikweletu. Le nkqubo ingathatha iintsuku zoshishino.
Kwezinye iimeko, amaxwebhu kufuneka athunyelwe kwenye ibhanki ukuze ahlaziywe. Xa ibhanki iqinisekisa ukuthotyelwa, intlawulo yenziwe-kodwa loo nto ayifuni ukuba iyenze ngokukhawuleza. Ekugqibeleni, nangona ukudluliselwa kwefayili yindlela yokukhawuleza yokuhlawula , kunokuthatha imini okanye ezimbini ukuze imali iphele kwi-akhawunti yomxhamli (ingakumbi ukuba ukudluliselwa kuvela phesheya).
Kungenzeka ukuba kulindeleke ukuba ulindele malunga neentsuku zoshishino ezintlanu kwiibhanki nganye ukuhlaziya amaxwebhu kunye nomnye ukuya kwiintsuku ezimbini zoshishino ukuze uhambise imali.
Iincwadi zeeNkcukacha zetyala
Ukuqonda indlela i-LC ebonakala ngayo isebenza, inokukunceda ukuhlolisisa indlela engasebenzi ngayo . Ifomu enye ye-LC yileta yokuhlawulwa yerhafu okanye incwadi ye-credit ye-credit.
Ngezoxhobo, ukuhlawulwa kwenzeka kwixesha elizayo ngexesha elide-emva kokuba amaxwebhu afakiwe (mhlawumbi 30, 90, okanye 180 iintsuku emva).
Intlawulo ekhethiweyo inikezela umthengi ixesha elide ukuba afike ngeemali. Ngenxa yoko, inokusebenza njengendlela yokuthengisa ngemali, okuya kunceda ekutsaleni abathengi ukuba kufuneka bahlawule ngokukhawuleza. Umthengi unalo nethuba lokuthengisa iimpahla ezingeniswayo kunye nokwenza ingeniso ngaphambi kokuhlawulwa kwentlawulo, okwenza kube lula ukuxhaswa intlawulo (okanye ukunciphisa inani lexesha umthengi aliboleka ngayo ebhankini).
Iileta zetyala zinokuba neendidi ezahlukeneyo. Ngokomzekelo, iileta ezingenakuthenjwa zekhredithi zinzima ukukhupha unilaterally. Iibrari eziqinisekisiweyo zekhredithi zongeza ukhuseleko olungakumbi kuba ibhanki ethembekileyo inokuqinisekisa ukuhlawulwa (ngaphezu kwebhanki engaziwayo kwilizwe lomthengi).
Ukuze ufunde ngezinye iindlela, funda ngeentlobo ezahlukeneyo zeetekethi ze-credit .
Kutheni usebenzisa i-Light LC?
Ileta yekhredithi ehlawulelayo inzuzo kubathengisi. Intlawulo ifike ngokukhawuleza ngakumbi kunokuba ityala lenkokhelo ehlawulwayo. Abangaphandle bachitha imali ukuvelisa nokuthumela impahla, ngoko ke ukufumana imali ngokukhawuleza kubancedisa ukuphepha ukuhamba kwemali.
Intlawulo ngokukhawuleza ikhethwa kwakhona ukuba unenkxalabo malunga nokuthengiswa kwexabiso lomthengi wakho okanye nayiphi na ibhanki echaphazelekayo.
Ngaphezu koko, ukuba ujongene nomthengi (kunye nebhanki) kwisizwe esinobuhlanga, ungakhetha ukuhlawulwa ngokukhawuleza. Ukungqubuzana kwezombusazwe kunokukhokelela ekubandezelweni kwemali, okubangele ukuguqulwa kwemali-okanye usenokuphela ukulinda ngonaphakade.