Umthetho weMatyala
Kwimeko yoluntu kwipropati, ityala elidalwe ngexesha lomtshato aluyi kuhlulwa ngokwahlukileyo malunga neliphi iqabane elithatha ityala. Kunoko, nina bobabini unokuba noxanduva olulinganayo namatyala apho omnye umlingane odale ngaphandle kokuba nolwazi lomnye umlingane.
Kwamanye amazwe, ukusabalalisa okulinganayo, inkundla iya kubelwa uxanduva lwetyala ngokusekelwe kumntu owenzele ityala. Ingxowa ngokuqhelekileyo yowomntu osetshentshana naye ogama lakhe likhona. Oku kuya kukushiya kwinqanawa lakho ityala kunye neqabane lakho kwi-hook yayo.
Kungakhathaliseki ukuba inkundla ihlula njani ityala, ibhanki ilindele ukuba uhlawule amatyala egameni lakho. Isivumelwane sekhadi lesikratshi sokuqala okanye inkontileka yemboleko iphakamisa umyalelo wokuqhawula umtshato, ubuncinane kwibhankini. Ukwahlukana kwamatyala kunokudala ingxaki xa iqabane liyalelwe ukuba lihlawule ityala elingekho egameni labo okanye elibanjelwe ngokubambisana.
Masithi lakho elide lijongene nokwenza iintlawulo kwikhadi lesikweletu elisegama lakho. Ikhredithi yakho ichaphazelekayo xa wakho umlingane owayengumlingani engagcinanga iintlawulo kwiakhawunti ngegama lakho, kunye neakhawunti ezidibeneyo. Unokuthatha isenzo somthetho kumlingane ongahambisani nomyalelo wenkundla ukuba enze iintlawulo kwi-akhawunti.
Nangona kunjalo, ngelixesha ufika enkundleni, i-credit yakho isele ichithekile.
Ukusebenza Abaxhasi Bamatyala Ngaphambi Komtshato
Zama ukufumana ityala egameni lomlingane onoxanduva phambi kokuba ityala ligqitywe. Oku akuyi kuba lula kwaye kufuna ukuba bobabini basebenzisane kunye, kodwa umsebenzi okhuni uya kubakho ukukhupha isikhephe esingesilo. Ngetyala lekhadi lekhredithi, oko kunokuthetha ukutshintshela izilinganiso kwamanye amakhadi-ngxowa-mali okanye ukuhlanganiswa kwemali kunye nomnye umboleko.
Imali-mboleko emikhulu njengemali yokubolekwa kwemali kunye nemali-mboleko yemoto kunzima kwaye kaninzi kufuna ukuhlaziywa kwemali mboleko kwigama lomntu oyedwa, oko kukuthi umntu ogcina i-asethi. Ukuba ukuqhawula umtshato sele kugqityiwe, umboleki-mali unokukuvumela ukuba ususe igama lakho kwimboleko kwaye uyifake esikhundleni sakho negama lakho lomlingane wangaphambili. Unokwenza ukuba ubonise umyalelo wokuqhawula umtshato ochaza ukuba wakho umlingane owayengumlingane nguye uxanduva lokuhlawulwa kwemali. Ukuba oku kungasebenzi, khuluma nommeli wakho malunga nokuba nejaji impahla ekuthengiswe ngayo kwaye imali ekufuneka isetyenziswe ukuhlawula umboleko ukukhusela okungekho.
Ukutshatyalaliswa Kwangaphambili Kwakuza Kuchaphazela
Umntu osekude naye unokukhetha ukufakela i-bankruptcy ukuba abanako ukuqhubeka kunye neentlawulo zematyala kunye nezinye izibophelelo zemali.
Nangona kunjalo, i-bankruptcy yabo ayikhuseli ngaphandle kokuba ufake ifayile. Enyanisweni, izinto zingaba zibi nakakhulu xa iifayile zakho zangaphambili zichithwa
Xa elinye i-fowuni yefayili iphosa ukutshatyalaliswa kweemali ezidibeneyo, loo matyala ayikhiphi inkundla yebhanki. Kunoko, i-bankruptcy iyayicima loo matyala omntu kuloo matyala. Umbolekisi uya kulandela umboleki-mali, ongenakufakela i-bankruptcy, ngenani elipheleleyo letyala. Ngamanye amaxesha, i-bankruptcy iyakwenza iphosakele ingxelo yakho kwingxelo yemboleko, nangona wawungeyena owafaka i-bankruptcy.
Zikhusele kwiTyala elizayo
Nceda uqaphele ukushiya ii-akhawunti ezidibeneyo emva kokuqhawula umtshato okanye ukukhokelela kuyo. Ikhadi lesikweletu okanye umgca okanye i-credit left left open is dangerous. Umntu osetshentshile naye unokutshintshela amabhalansi kwii-akhawunti zakhe kwiakhawunti obamba ngokubambisana.
Okanye, bangakwazi ukuqhuba ibhalansi beshiya ukuhlawula ukuthenga.
Kwimeko yeakhawunti yomsebenzisi ogunyazisiweyo , umbolekisi ugcina kuphela umnini-akhawunti oyintloko ojongene netyala. Nangona kunjalo, ukungahlawulwanga kwi-akhawunti kunokuchaphazela umlando wekredithi yomsebenzisi ogunyazisiweyo ekubeni i-akhawunti ibhaliwe kwingxelo yabo yekhredithi ngokunjalo. Ifowuni elula iyakwazi ukulungisa imiba yomsebenzisi ogunyazisiweyo.
Ukukhusela i-credit yakho, unokukhetha ukuhlawula amatyala kwaye ubuyele enkundleni ukuze umyeni wakho ohlala naye ehlawule. Oku kungabiza, kodwa yindlela yokulahlekelwa ngetyala lakho elihle. Qaphela ukuba xa uhlawula loo matyala, awuyi kuphinda ubuyisele imali kumntu owayekade naye, kunye nenkundla yenkundla. Ngaphandle koko, unokufakela i-bankruptcy kodwa qwalasela ngokucophelela ukususela emva kokuba u-bankruptcy uhlala kwi-credit report yakho iminyaka eyi-10.