Yintoni Eyenzeka Ngamatyala Njengoko Ukuqhawula Kwakho Kugqityiwe?
Isivumelwano soSahlulo somtshato kunye nesiVumelwano semali
Okokuqala, qaphela ukuba nantoni na oya kuvuma ngayo ngexesha loqhawulo-mtshato akuvunyelwanga ukuba ngababoleki bakho.
Elinye iqabane lihlala lijongene nokubuyisela iimali-mboleko ezithile emva kokuqhawula umtshato (nangona ityala elidibeneyo, njengemali-mboleko yemoto esetyenziswe ngabo bobabini abalingani). Kodwa oko kuthetha ukuba kufuneka bathatyathelwe ityala - abanakho ukulandela kwaye benze iintlawulo.
Ukuba igama lakho liboleke ngemali-mboleko-njengombolekekisi okanye umphathiswa- cosa-ungo- 100% uxanduva lwetyala kumbono wengalini. Nangona uqhawule umtshato kwaye iqabane lakho langaphambili livunyelwene nokujongana namatyala, i-credit yakho isemgangathweni ukuba nawuphi na umntu ongafezekiyo, kwaye uya kuba noxanduva lwemali yokugqibela kunye neendleko zokuqokelela. Ababolekisi benza isivumelwano kunye bobabini kunye, kwaye ngelishwa, eso sivumelwano asichaphazeli nantoni na kwisivumelwano sakho somtshato.
Ababolekisi bakho baninzi abazi ukuba udidekile, kwaye ngelishwa ababavalelani nemingeni yabo. Ukutshintsha idilesi yakho, ukutshintsha igama lakho, kwaye kwanokwazisa ababolekisi bomtshato wakho (kunye neenkcukacha zesivumelwano sakho) akusayi kukukhangela kwinqanaba lomboleko.
Ababolekisi baya kuqhubeka bexela imisebenzi yemboleko kwiimali zentengo zemboleko , kwaye nayiphina intlawulo ephosakeleyo iya kuhlawula amanqaku akho ekhredithi.
Ngamanye amazwi, umzekelo wakho wokuba unokuthwala uxanduva "lwetyala," kodwa usenomthwalo wemali "mboleko" okanye "i-akhawunti" kude kube yinyameko.
Ukukhusela i-Credit yakho
Kukho iindlela ezimbini kuphela zokugcina i-credit yakho iphephile emva komtshato.
Xoxa ngale ngcamango nommeli wakho phambi kokuba uthathe nawuphi na inyathelo:
- Gcina igama lakho kumboleko (ngokuhlaziya okanye ukuba igama lakho lisuswe)
- Qiniseka ukuba umboleki uyahlawulwa
Ukuzikhupha kwiimali-mboleko: kukulungele ukuzihlukanisa nemali-mboleko ekwabelwana ngayo ekufuneka i-ex yakho ibuyisele. Nangona uthembela omnye umntu ngokupheleleyo, bangafa okanye bakhubaze okwethutyana, kwaye ityala liza kubuya emagxeni akho (nangona u-inshorensi yobomi kunye nokukhubazeka - ukuba unayo - unokuyicombulula loo ngxaki).
Abaninzi ababolekisi abayi kuthatha nje igama lakho kumboleko emva komtshato. Kuhlala kunokwenzeka, kwaye akukho nto ibuhlungu ukuyibuza, kodwa ungafumani ithemba lakho. Imboleko ivunyiwe ukubala kwimali yakho yomibini, kwaye ukhangele iimbali zakho zeentengo zemali (mhlawumbi bekuyikhredithi yakho eyamkelwe imboleko, kwaye abafuni ukukuvumela ukuba ukhuphe). Ukuba kunokwenzeka, umbolekisi uya kufuneka ukuba ahlaziye i-credit and debt receipts ngaphambi kokuba asuse igama lakho.
Yenza imali-mboleko entsha: indlela elula kakhulu ukuhlawula nayiphi na imali mboleko kumagama akho omibini kwaye uyifake indawo yokubolekisa ngegama lomntu omnye. Ngokubanzi lifuna ukuhlaziywa kwemali-mboleko ekhoyo . Ngokomzekelo, uza kufumana imboleko yemoto entsha okanye imali yokuthenga imali, kwaye usebenzise loo mboleko ukuhlawula imali yakho yemali mboleko.
Ngelishwa, umntu ojongene netyala uya kufuneka afake isicelo-kwaye avunyelwe - eyedwa. Ukuba abanayo imali engenayo kunye nekhredithi, isicelo siya kukhishwa. Kuloo matyala, umntu obolekayo unokukwazi ukuthembisa isibambiso esongezelelweyo (umzekelo, ukusebenzisa ubulungisa ekhaya ukuhlawula imali mboleko). Ngenxa yemali-mboleko emikhulu, njengemali-mboleko yasekhaya, oku kunzima kakhulu kuba iminyango emibili ifuneka rhoqo ukuba ihlawule iintlawulo.
Ukusetyenziswa kwempahla: enye inketho kukuthengisa into enayo imali (kunye negalelo lommeli wakho wendawo kunye nokuvunywa, ngokuqinisekileyo). Ukwahlula imali kunye neendlela zendlela. Kungenokuba yinto elungileyo yokuthengisa, kungabangela ukuphazamisa abantwana, kwaye unokuba ungafuni ukuthengisa-kodwa yenza uhambo oluhlambulukileyo.
Kusenokwenzeka nokuba uthengise ngaphantsi kunokuba unetyala xa ifa lakho lilahlekelwe ixabiso.
Imali-mboleko yokuhlawula ekhaya kunye nokubolekisa ngemali mboleko kunokufuna ukuba ufike ngemali (endaweni yokuqokelela imali), kodwa uya kukwazi ukubeka ixesha elidlulileyo emva kwakho. Ukulahleka namhlanje kunokukunceda ukuba ugweme iintloko kunye nemithwalo yemali phantsi kwendlela. Okanye kube yintlawulo omele uyihlawule ukuze uqhubeke.
Ungacingi nantoni na
Into ebaluleke kakhulu yokwenza ngexesha lomtshato kufuneka ulawulwe ngamatyala akho ngokufanelekileyo kwaye ungacingi nje ukuba uhlawulelwa. Udinga ukugcina iliso kwizinto xa nje igama lakho lihlawulwa ngetyala, kwaye iimali-mboleko zingase zijikeleze iminyaka emininzi emva komtshato wakho.
Qinisekisa ukuba unendlela yokugcina umboleko wemali-mboleko emva komtshato wakho. Fumana ukufikelela kwi-intanethi kuma-akhawunti, kwaye uqinisekise ukuba ababolekisi banendlela yokuthumela i-imeyili kuwe (nokuba yindawo yokuhlala entsha, ibhokisi leposi, okanye enye ilungiselelo). Gcina rhoqo i-akhawunti yakho, kwaye ufunde nayiphi na incwadi evela kumbolekisi wakho ukuze ukwazi ukuphepha ukunyaniseka kwimali-mboleko .
Isenzo somthetho: Kakade, unokuzisa isenzo somthetho kumntu ongekho-ntlawulo-engatshatanga-kodwa ezinye iindlela ezilapha ngentla zingcono. Kubaqalayo, awufuni ukuchitha ixesha elininzi kunye namagqwetha, kwaye ukuba nguwe ohlawula amatyala, kubakho ngenxa yokuba wakho umdala akakwazi ukukwenza oko (oko kungenakukwenza okulungileyo) .