Ngaba Abafundi Abaselula kunye neKholeji baneeKhadi leMatyala?

Iimpawu ezilungileyo zeNkoleko ziqala kwi-Young Age

Inkokhelo yekhadi lesitaliti yinkxalabo enkulu, kwaye unyaka ngamnye izigidi zabantu zifumene ngaphezu kwentloko yazo. Ukunyuka kwamazinga okunomdla, iintlawulo zilahlekile, kwaye amanqaku ekhredithi ahlaselwa. Nangona ityala lekhadi lekhredithi lingabhubhisa imali, i-credit idlala indima ebalulekileyo ebomini bethu. Ufuna ukuthenga indlu? Ngaphandle kokuba unemali eninzi ebhankini ukuhlawula imali, uya kufuna udeni . Kwezinye iimeko, ukuqeshisa indlu, ukufumana i-inshurensi, okanye ukufaka isicelo somsebenzi kunokufuna ukuba imbali yakho yekhredithi ithatyathwe.

Ngaphandle kwekhredithi, kunokukwenza ukuba izinto ezinzulu zenzeke nzima.

Abantu abatsha kunye namatyala

Xa umntu ephendukela kwi-18 kwaye angakwazi ukufumana amakhadi kunye neengxowa-mboleko, ziba yinto ephambili kubaboleki. Iikhampani zekhadi zekhredithi ziyazi ukuba abantu abaselula banomdla wokuqalisa ubomi babo abadala, kwaye oku kuya kwenzeka xa beya kwiikholeji. Ngoko ke, ezininzi iikholeji zizaliswe ngamabhanki kunye nabathengisi bekhadi lesikweletu abanika izipho ezikhululekile zokusayina, kwaye mhlawumbi kwenza kube lula ukwenza.

Ingxaki yangempela kukuba kuba baninzi bala bafundi, oku kuya kuba yikhadi lokuqala lokuthenga ngetyala. Bayihlawula ingqalelo kwimilinganiselo yemigangatho, imigangatho kunye neempawu zekhadi . Ikhadi abakhethayo ingawabeka ukusilela ekuqaleni.

Kwakhona, abaninzi abantu abaselula abafundanga ngokwaneleyo ngamakhadi-mboleko kunye namatyala. Bayazi ukuba kufuneka uhlawule imali, kodwa abanakho ukulungele ukuqonda imiphumo yezinga eliphezulu , inkokhelo encinci , kunye nefuthe eliphazamisayo ukuba inkokhelo yokugqibela ingabangela.

Kwaye xa abantu abaninzi abaselula benokuhlawula imali ephantsi, okanye imisebenzi yengqesho, kunokuba nzima ukuqhubeka neentlawulo zekhadi lokuthenga ngetyala xa bephuma ekulawuleni.

Isizathu sokuba abaninzi abafundi bafuna iNgxowa-mali

Ngayo yonke imiphumo emibi yetyala lekhadi lesikweledu, inyaniso kukuba abafundi abaninzi bafuna, okanye kufuneka babe nekhadi lesikweletu.

Ukuba kukho naziphi na izizathu, ukuseka imbali yesikweletu . Ufuna inkokhelo ukwakha amanqaku ekhredithi, ngoko ukufumana ikhadi lekhredithi ngexesha elilula kuyindlela elula yokwenza oku. Kwakhona, enye yezinto ezibalulekileyo ze- FICO kumanqaku ubude beembali zembali. Ngoko, ngokukhawuleza ubeka umgca wekhredithi, ixesha elide umlando wakho wekhredithi uza kuba xa kufika ixesha lokuthatha imali ebolekayo njengokuthenga indlu.

Akunjalo nje kuphela ukuba amakhadi enkonzo ngamatyala atyala kakhulu. Uninzi lwabafundi abayi kuba neengxowa-mali ezingxamisekileyo zemali ehlezi kwibhankini, ngoko ke ukukwazi ukuza nemali xa kwenzeka ingxamiseko kubalulekile. Njengomzali, mhlawumbi awufuni ukucinga ngonyana wakho okanye intombi yakho ukuba ixakeke xa imoto yabo ihla, okanye beza nemali xa befuna ukuba babaleke ekhaya ngexakeka, ngoko ke ikhadi lekhredithi linokunika ukhuseleko olufanelekileyo lomnatha .

Kusekunjalo kubazali

Ukuba ufuna umntwana wakho abe nemikhwa emihle yokuchitha kwaye anqande isilingo esinokuza kunye nekhadi lesikweletu, kukuya kubafundisa. Bamele bazi iintlobo zokuba nekhadi, kunye nemiphumo ephazamisayo engakho ukusetyenziswa kakubi.

Njengomzali, kufuneka uhlale phantsi kunye nonyana wakho okanye intombi phambi kokuba uhambe.

Xoxa ngezizathu zokubangela ukuba kubalulekile ukuba nekhadi lekhredithi kunye nembali yesikweletu. Kwakhona, kufuneka ubancede bafumane ikariti efanelekileyo yamatyala, ngoko aphelelanga ukubhalisela iyokuqala. Xa befumana ikhadi, bathenge kwaye bahambe ngeenkqubo zokwenza intlawulo yenyanga. Ngokwekhefu okanye ngekhompyutheni ngoko bayazi ukuba balindele ntoni kwaye baqhelanise nale nkqubo.

Ekugqibeleni, hamba phezu kwemithetho yomhlaba. Chaza ngokuchanekileyo ukuba kufuneka isetyenziswe njani ikhadi lekhredithi, kwaye ngubani ojongene neentlawulo. Ufuna umntwana wakho asebenzise le sixhobo ngokufanelekileyo, ngoko kuya kufuneka ukuba kucacile ukuba kufuneka baqhubeke kunye neentlawulo.

Ukuba uthatha ixesha lokufundisa umntwana wakho esemncinci ukuze bakwazi ukufaka iitaliti ngendlela enoxanduva, baya kuba sesikhundleni sokutshatyalaliswa komhlaba osebenza ngembali ebonakalayo yemali kwaye baye bafaka imimiselo efanelekileyo yemali iya phambili.