Izinzuzo zoMmandla weMatyala Yenza kube yinto enhle kwabanye
Ukuhlawulwa kwetyala liyiqhinga lokubuyiselwa kwetyala apho uxoxisana nababolekisi bakho ukuba bamkele inkokhelo encinci njengeliseko ngokupheleleyo. Ukuba umboleki-mali uyavuma, uhlawula ipesenti yebhanki yakho esele ihlawulwe kwaye lonke ityala likhansekile.
Ngaphandle kweshishini lokuhlawula amatyala , ukuhlawulwa kwetyala kunqabile (ukuba kukho) kunconywa njengesisombululo esilungileyo sokujongana namatyala akho.
Ininzi yale nto ihambelana nenani lamatyala okuhlawula amatyala kunye nokucwangciswa kwabaxhasi kwimiphumo yokuhlawula amatyala . Kubathengi abathile, kunokukho izibonelelo ezithile zokuhlawulwa kwetyala.
Unokuphephekisa ukuChosela
Isizathu esikhulu sokuba abantu bakhethe ukuhlawulwa kwetyala kukuphepha ukucima imali . I-Bankruptcy isisombululo setyala esiya kulandela ubomi bakho bonke. Ukungena kwebhanki kuhlala kwi-credit report yakho iminyaka eyi-10, kodwa imboleko enkulu, ikhadi lekhredithi kunye nezicelo zomsebenzi zibuza ukuba uye wafaka i-bankruptcy. Ukuba uphendula i-ayi kwaye ibhanki kamva ifumanisa ukuba ngokwenene wenze ifayili, ufumaneka unetyala lobuqhetseba. Kwimeko yengqesho, unokulahlekelwa ngumsebenzi wakho.
Ukubeka amatyala kunye nababolekisi bakho, xa kwenziwe ngokufanelekileyo, kunokukunceda ukuba ugweme ukufakela i-bankruptcy kunye nokujongana nemiphumo yokubhankanya.
Ukuhlawulwa kwematyala kuya kuhlala kuphela kwingxelo yakho yeebhanki iminyaka eyisixhenxe.
Ayikho irekhodi kawonkewonke oye wazinzisa amatyala akho, ngoko ke emva kokukhawulelwa kwexesha lokubhengezwa ngetyala kusebenze kwiakhawunti zakho ezihleliweyo, awuyi kukwazi ukujongana nokuhlawula.
Ukuncedwa kwiiDbt
Injongo yokuhlawulelwa kwetyala ayiyi kufikelela kubathengi bakho ngokubakhokha kuphela inxalenye yetyala oqokele lona.
Ngoko kungengenangqondo ukukhawuleza imali enkulu yamatyala ekhadi lesikweletu kunye nokulindela ukulungisa konke.
Ukuba unobungozi ngokusemthethweni ukuhlawula into onetyala, ukuhlawulwa kwetyala kunokukunceda. Xa uthe waxoxisana kwaye uhlawule ukuhlala kwakho, ungoko-mali ngaphandle kwexesha kunye neendleko eziphantsi kunokuba uzama ukuhlawula amatyala akho kwishedyuli yokuhlawula ngokuqhelekileyo.
Xa kuthelekiswa nokuhlawulwa kwetyala kwi-bankruptcy, ababolekisi abanako ukufumana okuninzi kuwe nangona ufaka iSahluko 13 sokutshatyalaliswa . Akunakufumana nantoni na ukuba ufaka iSahluko 7 sokutshatyalaliswa . Ababolekisi bayazi oku kungenxa yoko bavuma ukunikezelwa kwezibonelelo zabathengi.
Buyiselwa Iingxowa Zakho Ngexesha Elifutshane
Kwiprogram yokulungiswa kwetyala elihle, uza kuhlawula amatyala akho emibini ukuya kwimine. Le yithuba elincinci kunokuba uchithe ukuhlawula imali yakho ngokuqhelekileyo (mhlawumbi akunakukhethwa ukuba ucinga ukuhlawulelwa kwetyala). Ukuhlanganiswa kwamatyala , ukululekwa ngetyala , kunye neSahluko 13 ukuchithwa kwamatyala atyala ixesha eli-3 ukuya kweyesihlanu. Kungathatha amashumi eminyaka ukuba uhlawule ityala xa unamathela kwishedyuli yokubuyisela ekuqaleni.
Imiba yokuTyala kweMatyala
Ewe, kukho imiphumo emibi ekuhlaleni kwetyala. Ababolekisi abaqinisekanga ukuba bayavuma ukunikezelwa kwezibonelelo, i-credit yakho iya kubandezeleka okwangoku (ukuba ayinayo kakade), kwaye unako ukuhlawulwa irhafu kwixabiso lemali ekhansekileyo.
Njengoko naluphi na isisombululo setyala, kufuneka ulinganise iingenelo zokuhlawulwa kwetyala kwimiphumo emibi.