Ngaba kukho ukuqokelela amatyala ixesha lokugqibela?
Nangona kukho imithetho echaza ukuba ixesha elide abaqokeleli ityala banokuthatha ukuthatha iinjenge ezithile ngamatyala, akukho myalelo ovimbela abaqokeleli beebwele kwiimvavanyo zokuqokelela eziqhubekayo.
Ukuba awuzange uhlawule ityala, umbolekisi angakuqhuba ngokungapheliyo ngenxa yeemali ezingekhoyo ngaphandle kokuba uhlawule ityala okanye ukhulule ekuhlaseleni. Umzekelo, umboleki okanye umqokeleli angabiza okanye athumele iileta ukuze uhlawule. Umqokeleli weetyala unokukugweba okanye abhale ityala kwi-credit report yakho ukuba ngaba iifom zexesha ezi zenzekile.
Unokumisa imizamo yokuqokelela kunye nabaqokeleli berhafu beqela lesithathu. Ukuba ufuna ukumisa umqokeleli ukuba angaqhagamshelani nawe, umzekelo, ukubiza nokuthumela iileta, ungathumela ukubhala okubhaliweyo kwaye unqande incwadi ecela umqokeleli ukuba ayeke ukuthetha. Gcinga ezingqondweni; kuya kufuneka ukuba uyeke kwaye unqande incwadi kumqokeleli ngamnye weeTyala ophethe i-akhawunti. Ileta isebenza kuphela kubaqokeleli beetyala zenkampani yesithathu, kungekhona umthengi wekredenti oyilungu owadala naye.
Ukuqokelela Emva kweKharityhulam yexesha eliXelayo
Kwimizamo yabo yokuqokelela, abaqokeleli beetyala bavunyelwe ukunika ityala lakho kwiimboleko zemali-mboleko ukuba zibandakanye kwingxelo yakho yebhanki.
Nabani na ohlola ingxelo yekhredithi yakho baya kukwazi ukubona i-akhawunti yokuqokelela. Ngethamsanqa, umyalelo unqamle inani lemali i-akhawunti engafanelekanga, njengeqoqo leqoqo, lingabhalwa kwi-credit report yakho. I-credit bureau iyakwazi ukuluhlu kuphela uluhlu lwebhanki kwingxelo yakho yekredithi iminyaka eyisixhenxe ukususela kumhla wobugqwetha.
Emva koko, i-akhawunti kufuneka iwele ingxelo yakho ye-credit, nangona awuzange uyihlawule.
Olunye umsebenzi wokuqokelela unokuqhubeka nangona emva kwetyala liwile ingxelo yakho yekhredithi.
Umda wexesha lokuTyala kwamatyala
Kwezinye iimeko, abathengi okanye abaqokeleli ityala banokukugweba ngenxa yezikweletu ezidlulileyo. Emva kwexesha elithile, ityala alisayikunyanzeliswa ngokomthetho kwaye, ukuba unokukubonisa, unokuphepha ukugwetywa. Ithuba lexesha apho ityala linyanzeliswe ngokusemthethweni ngumqathango wokubaleka. Xa ixesha elidlulileyo lidlulile, ungasebenzisa ummiselo ophelelwe ngumda wokunciphisa umngeni wekhadi lomniki-ngxowa oza kukuthatha enkundleni phezu kwetyala.
Ukuba unikwe isigwetshana somyalelo, qhagamshelana nommeli kwimeko yakho ukuba ufumene ukuba ummiselo wokunciphisa ungasetyenziswa kwimeko yakho.
Ngaphandle kokuba emva komthetho wokunciphisa, ababolekisi kunye nabaqokeleli baqhubeka nezinye iinjongo zokuqokelela kuquka ukubika ityala kwi-ofisi ye-credit bureau nje kuphela ukuba umda wexesha lokubhengezwa ngetyala ungadluli.