Ukuqonda nokuLawula ingozi
Kuthetha ukuthini ukuKhetha?
Umququzeleli ngumntu onceda umntu obolekayo ukuba avunywe .
Abanye ababolekayo abakwazi ukufumana imvume yabo: abanako imali eyaneleyo yokuhlawula iintlawulo zemboleko, okanye amanqaku abo atyala aphantsi kakhulu (nokuba ngaba ngenxa yeengxaki zangaphambili, okanye nje ukungabi nako kwemali ebolekayo) .
Xa ubhawula, uyavuma ukuboleka mboleko ngombolekisi: ube ngu-100% ojongene netyala. Ukuba umntu obolekayo akakwazi (okanye engathandi) ukwenza iintlawulo, umboleki uya kulindela ukuba wenze iintlawulo. Oku kuquka nayiphi na iintlawulo zanyanga zonke ngenxa yokuba ityala lihlawulwe ngokupheleleyo, kunye naliphi na iifizi zokugqibela. Ulindeleke ukuba ufumane iintlawulo ngexesha.
Ukubhala, uza kusayina isivumelwano somboleko kunye nomboleki okanye uvumelane nemigqaliselo ye-intanethi.
Mngcipheko we Cosigning
Kukulungele ukunceda umntu ukuba athathe imali mboleko, kodwa kubalulekile ukuqonda ingozi ngaphambi kokuba wenze njalo. Kukho isizathu sokuba umbolekisi ufuna umnxibelelwano: umboleki-mboleko akaqinisekanga ukuba umboleki oyintloko unokuhlawula ngokuzeleyo nangexesha.
Ukuba ngaba umboleki weengcali akaqinisekanga kumbolekayo, unokube nesizathu esihle sokuthatha le ngozi.
Ukulimala kwintengo yakho yemboleko: ukuba umbolekiso awuyi kubuyiselwa njengoko kuvunyelweneyo, i-credit yakho iya kubandezeleka kunye nekhredithi yomboleki. Ukuhlawulwa kwexesha elide kunye nokulahlekelwa kuya kubonakala kwiingxelo zakho zeentengo zemali, kwaye izikolo zakho zekredithi ziyawa.
Oku kwenza kube nzima kuwe ukuba ufumane iimboleko, kwaye kunokunye nemiphumo (njengamazinga aphezulu ase- inshurensi ).
Unayo imali? Uyavuma ukufihla iintlawulo zembolekiso, ukuze ababolekisi balindele ukuba ufike ngeentlawulo ezifunekayo - kunye nawe uza kuhlawulela iifizi ezikhawulezileyo ngaphezulu kwezi ntlawulo zenyanga. Akunandaba nokuba umboleki unemali engaphezu kwakho - umboleki uya kuqokelela apho kunokwenzeka khona, kwaye uyavuma ukufaka ingxube xa ubhalela. Kwakungakhathazeki nokuba kutheni umntu obolekayo engakhokheli: banokulahlekelwa ngumsebenzi, badlule, bakhubazeke, okanye bapheleke. Uza kufumana iifowuni kunye neencwadi kubaboleki (kwaye ekugqibeleni abaqokeleli bematyala) kwaye unokuba nezogwebo zomthetho kuwe.
Izigwebo zomthetho: ukuba awuyi kuhlawula iintlawulo, ababolekisi bangenza isenzo somthetho kuwe . Le mizamo yokuqokelela iza kubonakala kwakhona kwiingxelo zakho zekredithi kwaye zonakalise ngakumbi. Okongeziweyo, ababolekisi banakho ukulungisa umvuzo wakho kwaye bathathe ipahla kwi-akhawunti yakho yasebhanki ukuba awuyi kuhlawula ngokuzithandela iintlawulo. Oku akuyingozi ukuba ithathwe lula.
Ukunciphisa amandla okuboleka: xa ubhawula imali mboleko, abanye ababolekisi babone ukuba uvumelekile ukuqinisekisana nomboleki. Ngenxa yoko, bacinga ukuba uya kuba yintlawulo.
Oku kunciphisa inani lemali engenayo yenyanga ngenyanga ekhoyo ukuze wenze iintlawulo kwiimali-mboleko ezintsha . Nangona awuboleki - kwaye nangona ungaze ufumane inkokhelo enye kwimali-mboleko oyibhalela kuyo - kunzima ukuba ufanele ukufumana iimali-mboleko ozifunayo. Oku kunokukunqanda ukuthenga ikhaya okanye imoto.
Akukho nto elula: xa usubhalisile, ungene ubuhlobo besikhathi eside. Ababolekisi banqwenela ukukuvumela ukuba ungabikho kwimali-mboleko - kutheni ukuba, xa babenabantu ababini (okanye ngaphezulu) ukuba baqokele esikhundleni sendawo eyodwa? Kungenzeka ukuba ususe kuloo mboleko kwezinye iimeko, kodwa oku akusebenzi ngaso sonke isikhathi indlela oyithemba ngayo.
Yonke ingozi, Akukho nanye kweziNzuzo
Xa ubhawula, uya kuba nexanduva lolwa-ityala. Awunayo nayiphi na into ethengiweyo, kwaye awunalo ilungelo lepropati nje ngokuba ubhalisile.
Ukuba umntu obolekayo uyeka ukwenza iintlawulo, kunokwenzeka ukuba (kwimoko elungileyo) kubekho iinkqubo zomthetho ezinokuthi ungayilandela ukuze uphinde uphinde ufumane ezinye zezinto ozilahlekileyo, kodwa ungafumani ithemba lakho-kwaye ixesha kunye namandla onokuchitha uya kuba kuhamba kakuhle. Ukuba awuyi kubeka ingozi, thintela ukudibanisa.
Xa kuyenza i-Sense yoNxibelelwano kwabanye abantu (mhlawumbi)
Kunzima ukubiza ukuba ukulungiswa akusoloko kunengqiqo. Kuyingozi, kodwa kufuneka uhlolisise ingozi kwaye wenze isigqibo sokuba wenze ntoni.
Unako ukubeka umngcipheko: ukuba unokukwazi ukubeka umngcipheko kwaye ufuna ukukwenza oko, ke kunokungenangqondo ukuba ungene ngemvume. Oku kunokwenzeka ukuba unayo ininzi yemali yokuhamba kunye nempahla ekhoyo ekhoyo ukuhlawula umboleko xa umboleki wakho engenziwanga. Ufuna kwakhona ukuqinisekisa ukuba ulungele nayiphi na imali ebolekayo enokuthi ibe yikho kwikamva lakho - ufuna imali eyaneleyo kunye neempahla ukuze ufaneleke. Khumbula ukuba unokukwazi ukuhlawula umngcipheko ngoku, kodwa kufuneka ufumane ukulahleka ngexesha elingaziwa ngexesha elizayo.
Uphakathi kuyo: ukuba uboleka ngokwenene umntu, kungenza kube lula ukukhetha. Ngokomzekelo, unokuthenga imoto eya kuba yinxalenye yendlu yakho, kwaye iqabane lakho lifuna ukunyuswa okufutshane ukuze kuphunyezwe. Oku kuthethi, kungcono ukuba ngumnikazi-mlingani wemoto kwaye ufake isicelo semboleko ngokubambisana.
Ufuna ukunceda (kwaye akukho zikhetho): kwezinye iimeko, abantu banqwenela ukunceda omnye umntu, kuza ntoni na. Kwakhona, uthatha ingozi enkulu xa ubhalela, kodwa unokuba uzimisele ukuthatha loo mingcipheko. Ngamanye amaxesha izinto zisebenza kakuhle - kodwa kufuneka ulungele izinto ezihamba kakubi.
Ezinye iindlela zokuQala
Ngaphambi kokuba ubhawule, hlaziya ezinye iindlela. Yenza ubuchule kwaye ufumanise oko kuza kufeza oko umntu akufunayo - ngelixa ugcina wonke umntu ephephile. Iimbono ezimbalwa zokuqalisa ukuba zingezantsi.
Uncedise ukuhlawula intlawulo: endaweni yokubambisana ukuze umboleki wakho anakho ukuboleka imali, ncedise ngenkokhelo ephantsi. Inkokhelo enkulu kakhulu ingakhokelela ekuhlawuleni iintlawulo ezifunekayo zenyanga nganye- kwenza kube lula kumboleki ukuba afaneleke ngenzuzo engenamyingcipheko. Kuyacaca ukuba kufuneka ube nemali eninzi esandleni, kwaye kufuneka uqhagamshelane malunga nendlela yokuphatha loo ntlawulo ephantsi (isipho, okanye kufuneka ulungise isivumelwano semali-mali yangasese?).
Ukuboleka: ukuthetha ngemali-mboleko yangasese, unako ukuboleka imali ngokwakho ukuba kukho umngcipheko omkhulu wokungagqibekanga (ukucinga ukuba unokukwazi ukulahlekelwa yimali). Qinisekisa ukuba uqhagamshelana ngokucacileyo malunga nokulindela kwaye ufumane isivumelwano ngokubhaliweyo. Imboleko yemali-bucala - apho u -bhanki - enye indlela enhle yokunceda umntu . Nangona kunjalo, le mboleko ingenza izinto zibe nzima kwaye zichithe ubudlelwane, kwaye kunokuba nzima kumboleki ukuba akhe i-credit ngemali mboleko.
Ukuba Ubhalela umntu
Ukuba unquma ukuba ukulungelelanisa kunengqiqo kuwe, lawula ingozi yokuzikhusela kunye nolwalamano lwakho. Musa ukumangaliswa ukuba kufuneka uhlawule: i-Federal Trade Commission (FTC) yaxela ukuba abantu abangama-75% wabakhobi bacelwa ukuba benze intlawulo yomnye umntu.
Ukuthetha: uqhagamshelwano luyavumelana. Hlalani nisondelelene kunye nomboleki oyintloko, kwaye khuthaza ukuthetha ngokukhawuleza kwaye rhoqo.
Fumana ulwazi: qiniseka ukuba uya kufumaneka kwingcaciso yemboleko kunye nembali yentlawulo. Cela ukuba umnini-mboleko akuxelele nayiphi na intlawulo emva kwexesha - ileta inkulu, kodwa ubhalisele izibhengezo zetekisi okanye i-imeyile xa kunokwenzeka .
Gcina kwangoku: ukuba ufumanisa ukuba iintlawulo zilahlekile, zama ukugcina i-mboleko yakho yangoku ukukhusela umonakalo kwikhredithi yakho (ngokwenza iintlawulo ngokwakho). Oku akusikho into ofuna ukuyenza, kodwa yiloo nto uvumelekileyo. Ngokuqinisekileyo, uya kufuna ukufumana oko kuqhutywe nomboleki kwaye ubabuyiselwe kumzila.
Ukulawula umngcipheko: xa injongo ikunceda umntu ukuba akhe i-credit, ulawulo lwakho mngcipheko ngokugcina imali encinci kunye nexesha elifutshane. Ukuba umbolekisi unakho ukuhlawula ngokulula, unomncinci wokukhathazeka. Yaye umbolekisi ofunekayo kunyaka okanye oko kuthetha ukuba unokuchitha ixesha elingaphantsi kunye nokugcinwa kwamandla kwemali mboleko.
Khululwa: ezinye iimboleko zivumela ukuba umgcini-mali akhishwe emva kokuba iimeko ezithile zidibene (umzekelo, ukuba umbolekezi wenza iintlawulo zexesha ngexesha elithile). Se benzisa eli thuba ngokukhawuleza. Nangona ulindele ukuba umntu obolekayo aqhubekele ukuhlawula, kulungele ukukhupha imali mboleko ukuze ukhulule umvuzo wakho, kwaye awukwazi ukuba yiyiphi imimangaliso eya kuza ebomini.