Ukuba ucinga ukufumana umvuzo wekhadi lesikweletu, kufuneka uzibuze le mibuzo.
Ngaba Uhlawula Iikhodi Zakho Inyanga nganye?
Ukuba awuyi kuhlawula ikhadi lakho ngokupheleleyo ngenyanga, imivuzo ayifanele ukuba nekhadi lesikweletu. Ngokomzekelo, kwikhadi lokugqibela lemali, unako ukufumana phakathi kweyure ukuya kwiihlanu kwipesenti emva kokuthenga nganye. Ukuba unekhadi lekhredithi eliqhelekileyo elinomyinge we-interest rate yeeshumi kunye nokuba uhamba ne-balance ngaphezu kweenyanga ezimbini uhlawule ngaphezu kwezi ntlawulo ezintlanu. Kuyakusindisa imali ukuhlawula imali kwaye ungahlawuliswa inzala.
Ngaba iKhadi leMboleko liba ne-Fee yonyaka?
Enye into ekufuneka uyiqwalasele yintlawulo yonyaka ohlawulwa ngayo yokuba nekhadi lesikweletu. Kukho iinkampani ezininzi zamakhredithi ezikhuphisanayo, okufuneka uqikelele ukutshintsha ekhadini ngaphandle kwemali. Akukho mfuneko yokuhlawula imali kwikhadi lesikweletu nangaliphi na ixesha. Enye into elula ukuyijonga kukuba ukhangele ukuba ufumana imali engaphezulu kunokuba uhlawula umrhumo.
Emva koko kufuneka uqhathanise loo makhadi omvuzo ofanayo ongenayo imali yokubona ukuba uza kuphuma phambili ngokutshintsha amakhadi.
Ngaba ikhona ixesha elide Ndingasebenzisa iMvuzo yemivuzo yeKhadi?
Ukuba uthembekileyo ekuhlawuleleni ibhalansi yakho ngokugcwele inyanga nganye, ke umvuzo okanye umvuzo wekhadi lesikweletu unokufanelekile imali eyongezelelweyo oyifumanayo.
Abanye abantu bafumana ukufikelela kuma-amathathu okanye ama-dollar angama-400 kumakhadi abo. Kwakhona kubalulekile ukufunda ukushicilelwa okulungileyo ukuba unayo ikhadi lokuvuza ukuqinisekisa ukuba ungayisebenzisa imbuyekezo ozama ukuyifumana. Nangona kunjalo, oko kukuphela kokuba sele sele unamathele kwisabelomali sakho kwaye uhlawule ngokwenene ibhalansi yakho ngokugcwele inyanga nganye. Ngaphandle koko, awufumani le nto ucinga ukuba uyiyo. Kufuneka ulungele imali ngokujongana nekhadi lesikweletu ngaphambi kokuba uza kuzuza kwikhadi lomvuzo.
Kutheni iibhanki zinikezela ngamakhadi e-Credit?
Ukukhawulwa kwamakhadi-krediti asetyenziswa ukukhuthaza abantu ukuba bafake imali kumakhadi abo ekwereta ukuze bafumane umvuzo. Xa abantu bechitha ngekhredithi bahlala bechitha imali. Amakhadi ekwereta ngetyala ngenye yezona ndlela ezilungileyo kakhulu ukuba iinkampani zekhadi lesikweletu zikhuthaze abantu ukuba baqhubeke bechitha imali kumakhadi abo. Ukuba njengamanje unomthamo omkhulu wekhadi lesikweletu, kufuneka uyeke ukubeka izinto kwikhadi lakho de uze uyihlawule ngokupheleleyo. Xa usenzile oku, unokuqwalasela ukuyisebenzisa kwimbuyekezo, ngokungakhathaliseki ukuba uhlawule ibhalansi ngokupheleleyo ngenyanga.
Ndenze njani Uninzi lweMali yemivuzo yeKhadi?
Kufuneka ufike kwi-bhajethi kwaye uyeke ukusebenzisa ikhadi lakho lekhredithi ngokupheleleyo ngaphambi kokuba uqale ukuyisebenzisa ukuze ufumane umvuzo.
Oku kuya kukunceda uhlakulele ukuzithiba nokwazi uhlahlo lwabiwo-mali ukukhusela amakhadi ekwereta ukuba abe yingxaki kwixesha elizayo. Isicwangciso sokuhlawula ityala siya kunceda ukuhlawula ityala lakho ngokukhawuleza kwaye ulondoloze ngenzala. Emva kokuba uyeka ukuhlawula umdla kumakhadi akho ekwereta, unokukwazi ukuzuza kwimiphumo yamakhadi akho ekwereta. Kubalulekile ukuba ube phezu kwetyala lakho ngaphambi kokuba uqale ucinge ngamakhadi omvuzo Ukuba unayo ikhadi lokubuyisela imali, kwaye Usebenza ekuphumeni kwetyala, ungayisebenzisa loo mali ngqo kwibhalansi yakho. Nangona kunjalo, kulunge ukuba unako ukuphepha ukusebenzisa le khadi ngokupheleleyo uze ungabikho kwetyala ngokupheleleyo.
Xa Ndifanele Ndiyikhansele okanye Ndingayisebenzisi Imali Yemivuzo Yemivuzo?
Ukuba ufumana uphethe ibhalansi kwikhadi lakho lekhredithi, kufuneka uyeke ukusebenzisa amakhadi akho ekhredithi ngembuyekezo.
Unokufuna ukuwukhansela emva kokuba uyihlawule xa uyazi ukuba uya kuba nexesha elinzima usebenzisa ikhadi lokuthenga ngetyala. Unokufuna ukukhangela ikhadi elitsha lomvuzo ukuba uhlawula umrhumo wonyaka kwikhadi. Ukuphanda amakhadi amatsha kunye nokukhangela imivuzo engcono kunye namakhadi angaphantsi okanye angakhokhwanga. Nangona kunjalo, ukuba ulungele ukuthenga ikhaya , unokufuna ukulinda de ube ne-mortgage yakho ngaphambi kokuba ufake izicelo zamakhadi amatsha kunye nokuvala abantu abadala.