AbaPhezulu, abaPhezulu, abaPhezulu, abaPhezulu nabaPhakamileyo
Uninzi lwabaqhubi abahlukeneyo endleleni. Ngaba uyazi indlela inkampani yakho yomshuwalense ikubeka ngayo njengomqhubi? Abaqhubi bahlelwe ngamacandelo amathathu. Abaqhubi bemingcipheko ekhethiweyo, abaqhubi beengozi eziqhelekileyo, kunye nabaqhubi abaphezulu beengozi eziqhelekileyo zengozi yomqhubi. Ukuqonda iingozi ezahlukeneyo zomqhubi kuya kunika amandla ekuphuculeni isimo sakho ukuba kunokwenzeka.
01 Umqhubi woMngcipheko okhethiweyo
Iimpawu zomqhubi weengozi ezikhethiweyo
- Uneminyaka eli-25 okanye elidala
- Ukucoceka irekhodi lokuqhuba
- Amanqaku amancinci angenanto
- Eyona nkonzo yomshuwalense
- Umninikhaya
- Ngaphambi kweenyanga eziyi-6 ze-inshurensi eneeminganiso zemithwalo ye-100/300 okanye ngaphezulu
Uninzi lweziganeko zokuqhuba umqhubi zizichaza. Nangona kunjalo, unokumangaliswa ukuba ubone imimiselo yakho yangaphambili yemfanelo kwisimo sakho sokuqhuba. Iinkampani zomshuwalense zikhetha abathengi ukuba bathwale imithwalo yemfanelo ye-100/300 okanye ngaphezulu ngoba kukukhuseleka ngokufanelekileyo kumacala okugweba. Ukukhethwa kwesikhokelo sakho semfanelo esincinci sombuso ngokuqhelekileyo kubonakalisa kakubi kuwe njengengozi yokuqhuba.
02 Umqhubi woMngcipheko oPhezulu
Iinkcukacha zomqhubi womngcipheko omgangatho
- Enye okanye ezimbini zokuphulwa kwezithuthi
- Ayikho enye engozi yengozi
- Umyinge womshuwalense wamanqaku omvuzo
- Ngaphambi kweenyanga ezili-6 ze-inshorensi
Ukuba unomqhubi wengozi oqhelekileyo, kusenokwenzeka ukuba ufumane inqanaba elifanelekileyo le-inshorensi, ngokukodwa xa uphumelele kwindawo enye yempawu. Ngokomzekelo, umqhubi womngcipheko osemgangathweni kunye nokuphulwa kwezithuthi zodwa unokufumana isantya esihle kakhulu xa benetyala elipheleleyo. Okanye, ukuba i-credit card yomqhubi wengozi ayilona nto ibhetele, irekhodi lokuqhuba ngokucacileyo lingalondoloza usuku. Kudibanisa i-nicks kwirekhodi yakho ebeka inqaku elingathandekiyo.
03 Umqhubi ophezulu weengozi
Iimpawu zoMphathi-mngcipheko ophezulu
- Ukuphulwa okukhulu kwezithuthi
- Ukudibanisa kweengozi zecala kunye namatikiti
- Akukho ninshuwalense yangaphambili
- Inkcazo ebalulekileyo yomshuwalense wemboleko
Umlinganiselo wekredithi ophantsi awukhupheli wena kwi-inshorensi ekhethiweyo okanye ephezulu, nangona kunjalo, ukwanda kwezinga le- inshurensi ephantsi yesikhorensi yesikhorensi inokuphakanyiswa kakhulu kubandakanywa njengesiganeko somngcipheko ophezulu. Umncinci wakho wekhredithi uphakamisa umngcipheko kunye nereyithi, kodwa akusiyo yonke inkampani isebenzisa i-credit njengento ekuqaliseni umngcipheko wakho. Ukulinganiswa kwesikweletu sakho kubandakanywa ngenxa yokuba iyaxhaphaka phakathi kwabathwali bomshuwalense.
Utshintsho kwisimo sakho sokuqhuba singenzeka nanini na. Ukwazi okuchaphazela umngcipheko wakho we-inshorensi kuya kunceda ukubeka ulawulo lwezinga lakho le-inshurensi. Gxininisa irekhodi lakho lokuqhuba kunye namanqaku okuthenga ngetyala ngeli xesha ugcina ukugcinwa kwesikhokelo ngokuqhubekayo ukuze ufike kwi-level of risk preferential level.