Abanokubolekisa nabathengi babuza umbuzo wakho wokuthenga ngetyala xa bebona i- akhawunti yokuqokelela kwingxelo yakho yekhredithi; unokufumanisa nzima ukuba ufumane imvume yamakhadi amatyala kunye neembolekiso.
Ukuba usebenza ekulungiseni i-credit yakho, okanye nje ukucoca ingxelo yengxelo yakho yemali-mboleko, unokubuza ukuba ngaba ufanele uhlawule iqoqo, ingakumbi ukuba lidala. Nazi ezinye izinto ezidlala kwisigqibo sakho.
I-Statute yemida
Emva kokuba i-akhawunti isebenze ixesha elide, ityala liba lixesha elivaliweyo , kwaye abaqokeleli beetyala abanakuphinde bakugwebe. Eli xesha liyaziwa njengomthetho wemingcele kwaye ihluka ngohlobo. Ukuba ummiselo wokunciphisa udlulile, akuvumelekanga ukuba umqokeleli wetyala akugwebe (kodwa kukuya kuwe ukubonisa ukuba imimiselo yokunciphisa idlulile xa ikwazisa). Fumana ummiselo wemingcele kwilizwe lakho uncede unqume ukuba ufanele ukuhlawula ityala elidala.
Qaphela ukuba ukwenza inkokhelo ekhethekileyo, ilungiselelo lokuhlawula , okanye ukwamkela ukuhlawulwa kwemali kwixesha elidala lingaqalisa kwakhona imimiselo yemingcele . Ukuqalisa kwakhona ummiselo wemingcele unike umthengi okanye umqokeleli weetyala ixesha elide lokukubolela ityala.
Iintlawulo azithethi, kodwa, ziqalise kwakhona umda wexesha lokubika ngetyala ngeeminyaka ezisixhenxe ngenxa yamatyala amaninzi. Ngokuthelekiswa, umda wexesha lokubhengezwa ngetyala ngumlinganiselo wexesha ityala linokufakwa kuhlu kwi-credit report yakho.
Umthwalo wokuziphatha
Ukuba ityala liyimfanelo yakho, into efanelekileyo ukuyenza iyayibuyisela.
Usuyidlile impahla okanye iinkonzo ezixhaswe ngetyala, kukuxanduva lwakho ukuhlawula. Ingaba umqeshi wakho uya kuhamba kunye nokuthintela umvuzo wenyanga? Kuyafana okufanayo inetyala.
Ukuqokelela amatyala endala, unako ukuba umqokeleli wetyala aqinisekise ityala , oko kukuthi, thumela ubungqina bokuba ityala lakho lenu xa ungathandabuzeki malunga nokuba ityala livumelekile. Isicelo sakho sobungqina kufuneka senziwe ngokubhaliweyo.
Impembelelo kumanqaku akho eNgxowa-mali
Njengoko ubudala beemali, zichaphazela amanqaku akho ekhredithi ngaphantsi. Ngelishwa, kunzima ukuqikelela oko kuza kwenzeka ngokwenqaku lakho lekrediti emva kokuhlawula ityala elidala. Ukuhlawula ityala elidala akunako ukuphucula umlinganiselo wakho wekhredithi , ngakumbi ukuba uneminyaka emininzi ubudala. Iindaba ezilungileyo kukuba: I-FICO ithi ukuhlawula ityala elidala akuyi kuba yingozi kumvuzo wakho wekredithi, ngoko ke unganenkxalabo enkulu malunga nokuhlawula amatyala omdala.
Ixesha leKhadi leMatyala okanye Izicelo zeMali
Unokufumana kunzima ukufumana izicelo ezintsha ezivunyiweyo nje kuphela ukuba unetyala elivelele (elingalunganga) kwingxelo yakho yekhredithi. Okanye, ukuba ufumana imvume, awukwazi ukufumana inzala enomdla .
Ukuba ithe ityala lisahlulwa kwingxelo yakho yekhredithi, yinto efanelekileyo yokuyihlawula ukuze ukwazi ukuphucula ikhadi lakho lekhredithi okanye iimpawu zokuvunywa kwemboleko.
Gcina ukhumbule ukuba ukuhlawula ityala akuyi kususa kwi-akhawunti yengxelo yakho yemali (ngaphandle kokuba uxoxisana nomvuzo wokususa ), kodwa ubonakala ubhetele kunezinye. Ngakolunye uhlangothi, ukuba ityala liya kuhlawula ingxelo yakho yebhanki kwiinyanga ezimbalwa, kungcono ukuba ulinde kwaye uvumele ukuba iwele.
Kufuneka Uyenze Ibhizinisi Ngezo kwakhona
Amanqaku okuthenga ngetyala kunye namacala omatyala eceleni, unokufuneka uhlawule iqoqo elidala ukuba ufuna ukuvula i-akhawunti kunye naloo shishini kwakhona. Ngokomzekelo, unokuba ne-bludala yekhefu ye-cable eye yawa phantsi kwengxelo yakho yekredithi kwaye idlulisele ummiselo wemida. Ukuba ufuna ukuseka kwakhona inkonzo kunye naloo nkampani, mhlawumbi kufuneka ucacise ibhalansi yakudala kuqala.
Iinzuzo zokuhlawula amatyala omdala
Unokuba ungafuni ukuhlawula ityala elidala kuba ufuna ukuchitha imali kwenye into.
Nangona kunjalo, kukho iinzuzo zokubetha le bullet kwaye uhlawule oko ufunwa.
- Awunayo iqoqo elingakhokhelwa elichaphazela umlinganiselo wakho wekhredithi. Ukuhlawula i-akhawunti yokuqokelela kukunika iingongoma kwinxalenye yesiganeko sentlawulo yemilinganiselo yakho yekhredithi.
- Isilinganiselo sakho semali-to-income sinciphisa. Xa ususa i-matyala, unciphisa umthwalo wakho wetyala kunye nomlinganiselo wakho wesikweletu. Kukulungele impilo yakho yonke yemali.
- Ababoleki kunye nababolekisi baya kuba banomdla wokukunika ikhredithi entsha xa ungenayo imbopheleleko. Ababoleki abaninzi, ngokukodwa ababolekisi bemali mboleko, bafuna ukuba unakekele zonke iitalato ezingakhokhelwa ngaphambi kokuba banikeze imali mboleko kuwe.