Njengabo baninzi abasebenzisi bekhadi lesikredenti abanomdla abafumana ithuba elincinci, mhlawumbi abazange bathethe ukuba i-akhawunti yakho ihlawuliswe. Akunakuze uqaphele ukuba ukuhlawulwa kwee-pay-offs kwakuyinto. Nantsi indlela eyenzeka ngayo: emva kweenyanga ezintandathu zokuhlawulwa kweentlawulo ezilahlekileyo, abaxhasi bekhadi lesikweletu bavakalisa i-akhawunti yokuxhamla "ihlawulwe." Ngelishwa, ngelixesha elikude emva kweentlawulo zakho, akunakwenzeka ukuba i-akhawunti yakho ifakwe kwakhona.
Ngaphambi kokuba i-akhawunti yakho ihlawulwe, ababolekisi bakho mhlawumbi bayabiza phantse imihla ngemihla bezama ukubona xa ungenza inkokhelo kwi-akhawunti. Kodwa emva kokuhlawulwa komrhumo, iifowuni ziyayeka ngokukhawuleza. Uphefumula ukukhulula, ukucinga ukuba ekugqibeleni uyaphuma emhlane wakho, kodwa awusayi kukhwela.
Yintoni Eyona Ncoko-Ukukhutshwa?
Abathengi abaninzi banokungaqondi kakuhle ukuba i- charge-off ithetha ukuba ayinayo imali. Kulula ukuyenza loo mpazamo - " ukuhlawula " ithetha okufana nokuthi "bhala" kwaye kwihlabathi leerhafu, irhafu "bhala" iyanciphisa inani olihlawulwayo. Akunjalo kwihlabathi lamakhadi-mboleko kunye nemali-mboleko, ubuncinane kungekhona kuwe njengetyala.
Xa abathengi bahlawula iakhawunti, bavakalisa ukulahlekelwa kwaye bayibhala phantsi zabo irhafu. Ngenxa yoko, umbolekisi unokuba netyala lo rhu lumente.
Ngaba Usenakho ukuhlawula iKhadi leKhadi eliThatyelweyo?
Nangona umnikidi wekhadi lesikweletu evakalise ilahleko kwi-akhawunti yakho, usenomthwalo wokuhlawula ityala.
Okukuphela kwemida xa unetyala elikhutshwe kwi-bankruptcy okanye umbolekisi uyasula ityala ngesinye sezizathu. Ukubambisana nenye yezo ganeko, umbolekisi anga (kwaye mhlawumbi uya kuthi) azame ukuqokelela kwi-matyala kwaye angabelana okanye athengise ityala kumntu oqokelelwa ngetyala lesithathu oza kuthatha imisebenzi yokuqokelela.
Iimali zokuhlawula zinzima kunzima ukubuyiselwa ngenxa yokuba umboleki-mali, ngaloo ndlela, ufuna ukuba uyihlawule ngokugcwele. Awunaso nelungelo lokwenza iintlawulo zenyanga ngethuba lexesha. Ukuba uthetha kumbolekisi, unokukwazi ukuxoxisana ne-balance ngenxa yeentlawulo ezimbini okanye ezintathu, kodwa awuyi kuba lula ukuhlawula ngaphezu kweenyanga eziliqela ngokufanelekileyo njengoko unako ngaphambi kokuhlawuliswa.
Kuthiwani Ukuba Awuyi kuhlawula?
Ukuba ukhetha ukungayikhokheli inkokhelo, iya kuqhubeka ibhalwe njengetyala elivelele kwingxelo yakho yekhredithi. Unokuba neengxaki zokufumana amakhadi-mboleko, iimali-mboleko kunye nezinye iinkonzo ezisekelwe kwii-credit (njengendawo yokuhlala) nje kuphela ukuba imali yokuhlawuliswa isalahla. Umboleki-mboleko okanye umqokeleli wenkokhelo enikezelweyo unokukuphishekela ngokuhlawulwa imali engakhokhelwa, ngokungabikho ukubiza, ukuthumela iileta kunye nokuhlaziywa kwengxelo yakho yekhredithi. Ngethuba nje ukuba ityala liphantsi komgaqo-nkqubo womda wokunciphisa ixesha, unokuthi ulandelwe ityala .
Impembelelo yakho kuMboleko
Umboleki wakho uya kubika imali kunye nesimo sokukhutshwa kwintlawulo kwi-ofisi yamaziko eentengo zemboleko ukuze kufakwe ingxelo kwingxelo yemboleko. Isimo sokuhlawulwa kwetyala siya kuhlala kwirekhodi yakho yekredithi kwisigxina sexesha lokunika ingxelo ngetyala ngaphandle kokuba ungaxoxisana nomvuzo wokususa kunye nomboleki.
Ukuhlawula i-charge-off ngeke kususe i-akhawunti kwi-akhawunti yakho yekredenti okanye ususe imeko yangaphambili yokuhlawulwa. Ngoxa uhlawula i-charge-off ayincede ngokukhawuleza umlinganiselo wakho wekhredithi, yenza ukuba ubonakale bhetele emehlweni abathengi nabathengisi kwaye unako ukufumana izicelo ezizayo ezivunyiweyo.