Kweemeko ezithile zezoqoqosho, inzala eguquguqukayo yomlinganiselo, okanye i-APR echaseneyo, ilungile kuba ikuvumela ukuba uhlawule ikhadi lakho lekhredithi okanye ibhalansi yemboleko kwixabiso eliphantsi xa isalathisi sihla.
Ngakolunye uhlangothi, ukuba nenani lentengo eguquguqukayo alisebenzisi kakuhle xa uhlalutyo lwenyuka luphakama ngenxa yokuba izinga lakho lentengo likhuphuka ngokunjalo.
Iirhafu zenzalo zichaphazela ngqo iindleko zokuboleka imali. Inzala elula ibalwa ngokuphindaphinda inzala yenzalo ngokulinganisela kwakho. (Abanikezeli bamakhadi abasebenzisa iitaliti bangasebenzisa ukubala okuthe kancinci kunomdla wakho.) Iphakamileyo inzala yakho, imali ephakamileyo yemali oyihlawulayo. Iirhafu zenzalo eziguqukayo ziyazuzisa kumniki-khadi wekhredithi ngenxa yokuba umnikeli wekhadi unokunyusa izinga lakho lekhadi lesikweletu njengoko ixabiso lemarike liguquka.
Akukho Isixwayiso Ngaphambi kokuba (i-Variable) I-Increase Rate
Abaniki bamakhadi abemali-mboleko abanyanzelwanga ukuba banikezele isaziso sokukhawuleza kwerhafu ukwenzela ukuba ikhadi lakho lesikweletu linomyinge onomdla. Oko kuthetha ukuba awuyi kuba nethuba lokuphuma, okanye ukugatya, inzala ephezulu kwaye uza kufuneka uhlawule ibhalansi yakho kwizinga eliphezulu lemali, nokuba uvala ikhadi lakho lesikweletu.
Ukuba ikhadi lakho lesikwerethi linomlinganiselo oguqukileyo, kubalulekile ukunyamekela nayiphi na iindaba malunga ne-Federal Reserve ephakamisa inzala. Naluphi na umlinganiselo umthengi wakho wekhadi lokuthenga ngetyala (credit card) osebenzisa njenge-index ye-variable yakho ye-APR ngokuqinisekileyo uza kuhlanganiswa nemali ye-federal rate. Umyinge wokuqala, umzekelo, ireyiti yemali ye-federal kunye ne-3%.
Ukuba isantya semali ye-federal iya kunyuka, ngoko uyazi ukuba isantya sekhadi lakho lesikweletu liya kulandela ngokukhawuleza.
Kubaluleke Kangakanani ukuba Ixabiso leeVali?
Imilinganiselo yezinga lokuguquguquka kuninzi kubanini bekhadi abanamakhadi abathwala imali. Isilinganiso sakho sinokunyuka ngaphandle kwesaziso esiphezulu kwaye oko kuthetha ukuba uya kugqiba ukuhlawula iindleko eziphezulu zezemali. Ukuphakanyiswa kwekhadi lakho lekhadi lekhredithi, ukuhlawulwa kwentlawulo yakho yezimali, oko kuthetha ukuba ininzi yentlawulo yakho iya kwi-interest kwaye kuthatha ixesha elide ukuhlawula ibhalansi yakho.
Ama-Mortgages anenguqu yezinga lentengo eguqukileyo, eyaziwa njengezinga lokuguqula. Ngomyinge wokuhlawulela umyinge, inzala yenguqu iyatshintsha ngexesha elimiselweyo. Xa inani lokuthenga imali liguquka, okanye lilungisa, intlawulo yenyanga yokuthenga imali ibuye iguqule. Oku kungenza kube nzima ukuhlawula imali kwaye uqikelele ukuhlawulwa kwemali yakho.
Ingaba iKhadi lakho leMboleko linomlinganiselo ochanekileyo?
Le mihla, amaninzi amakhadi ekwereti anenani eliguqukayo. Khangela ikopi yakutsha yekhadi lakho lekhadi lesikweletu okanye isivumelwano sakho sekhadi lesikweletu ukuze ubone ukuba ikhadi lakho linomlinganiselo wenzalo. Unokufumana ikopi yesivumelwano sakho sekhadi lesikweletu kwiwebhusayithi yakho yomthengisi wekhadi lesikweletu okanye i-CFPB yesiseko semvume yekhadi lesikweletu. Nika umniki-khadi wakho wekhredithi umnxeba ukuba unenkathazo yokufumana isivumelwano sakho sekhadi lesikweletu.
Amanye amaxesha amaxabiso ahlukeneyo anokunyuka
Ukunyuka kwinqanaba lemali elondliwayo akusiyo kuphela ixesha lokubona inzala yenyuka. Umnikeli wakho wekhadi lokuthenga ngetyala unokunyusa izinga lakho lomyinge emva kokuba izinga lokukhushulwa liphelelwa ixesha, ukuba uthe wabuya emva komnye umrhumo kunye naloo mrhumo wekhadi lesikweletu, udlula umlinganiselo wakho wekhredithi okanye uhlawula kwi-card yakho yentlawulo ngeentsuku ezili-60 .