Isheke esingenanto, ngexabiso lini?
Yintoni efanelekileyo yokutshekisha?
Ukuvavanya ukuhlola kungenanto yokuhlola ufumane kwi-imeyile. Bavame ukuvela kwikhamera yekhadi lesikweletu ukuba unayo i-akhawunti ekhoyo kunye, kwaye idibeneyo kule akhawunti.
Ukuba wenza inkokhelo okanye uthenge kunye nalabo bahlole, (malunga nantoni) njengokuba unayo imali esekelwe kwikhasi lakho ukwenza loo nto. Ngamafutshane, enye enye indlela yokuchitha ngayo usebenzisa umgca wekhredithi ekhoyo kwikhadi lakho lesikweletu.
Ezi zihlolisiso zingasetyenziselwa phantse nantoni na into: ungabhalela isheke uze usebenzise imali , ungadlulisela izilwanyana ukusuka kwelinye ikhadi, okanye ungathengisa impahla okanye iinkonzo ukusuka kwishishini elwamkela ukuhlolwa kwamanye.
Kwezinye iimeko, ukuhlolwa okulula kukuza negalelo elikhangayo. Umzekelo, unakho ukuhlawula inzala engama-0% ekuhanjisweni kweebhanki kwiinyanga ezili-6-kwaye leyo ingaba yinto efanelekileyo ukuba uza kuhlawulela ibhalansi yezinga le-interest-interest ekhoyo phambi kokuba ixesha lokuphromotha liphele. Nangona kunjalo, ezo zinikezelo zifumaneka kuphela xa unetyala elifanelekileyo , kwaye kufuneka uqaphele imali.
Iimpawu zokuThengwa kweeNcoko
Ukuzonwabisa, njengoko unokucinga, kuza kwixabiso.
Nangona ufumana isibonelelo sokutshintshela ibhalansi ekhangelekayo, ukuhlolwa okulula kunokuphelisa imali ephezulu kunokuba ulindele.
Iindleko: ukuhlolwa ngokulula kubhekwe ngokubanzi njenge "intuthuko yemali" (ngokuchasene nokuthengwa xa uswayipha ikhadi lakho kwirejista). Oku kuthetha ukuba kuya kufuneka ukuba ukhokhe izinga lentengo ephakamileyo kwimali oyisebenzisayo ngesheke esilula, okwandisa iindleko zenzalo eziza kuhlawula ubomi balobo mboleko.
Okongeziweyo, kufuneka uhlawule imali engaphambili yemali , eyongeza ibhalansi yakho yemali-mboleko (kwaye ke iintlawulo zakho zenzalo).
Ngaba izikali ziphathwa njani: unokucinga ukuba yonke imali oyisebenzisayo ngekhadi lakho lesikweletu liyafana. Enyanisweni, umnini-mboleko wakho ubeka imali yakho kwiindawo "ezahlukeneyo." Ngokomzekelo, ukuthengwa komntu kunye nekhadi lakho liwela kwicandelo elinye, kwaye ukuchitha ngokuchithwa ngokulula kukuwela kwelinye iqela. Ukulinganisela akusoloko kuthathwa ngendlela yakho. Kwiimeko ezininzi, akukho xesha lomsindo kwimali oyichithayo kunye nesheke esilula-inzala ke iya kuqala ukongeza ngokukhawuleza. Umthetho we-Federal ufuna ababolekisi bafake izicelo zokuhlawula ngentla ngaphaya kwele ntlawulo yakho encinci kumatyala aphezulu-interest interest, kodwa oko akunakulungile ngaphandle kokuba uhlawule ngokwenene.
Zonke izinto ezilungileyo ziphela: ukuhlola okulula kukukhangeleka xa kukuvumela ukuba uboleke ku- 0% APR . Kodwa kwenzekani emva kokuba "i-teaser" yakho okanye ixesha lokunyusa liphela? Kwiimeko ezininzi, uya kuqalisa ukuhlawula umdla kwizinga lekhadi lokuthenga ngetyala-oko kunokukhokelela kwiintlawulo eziphezulu kunye nokwandisa amatyala.
Ukukhuselwa kwabaThengi: xa uswayipha ikhadi lakho (okanye uthayiphe kwinombolo yakho yekhadi) ukuze uthenge, ufumana inzuzo ethile.
Umnikeli wakho wekhadi mhlawumbi unikela uhlobo oluthile lokukhusela umthengi, kwaye umthetho wesigqeba ukhusela nawe (unako ukuguqula iindleko kwiimeko ezithile). Ezi ntlawulo azikhoyo xa uhlawula ngokukhawuleza ukuhlola; Ukuba uthengisa ukuthengwa okungekho nto kwaye awukwazi ukubuyisela imali, inkampani yakho yekhadi lesikweletu ayinakwenzeka kukunceda ufumane imali yakho ngokulula.
Ikhredithi yakho: ukuhlola okulula kwenza kube lula ukusebenzisa imali eninzi. Njengoko ukwandisa ukuboleka kwakho, izikolo zakho zesikweletu zingabandezeleka. Ngokuqhelekileyo, kungcono ukugcina ibhalansi yakho ingaphantsi kwe-30% yomlinganiselo wakho wesikweletu (umzekelo, ukuba ikhadi lakho linomda we $ 1,000, ufuna ukugcina "usetyenziso lwakho lweentengo" phantsi kwe-$ 300). Ukuba usondela kumkhawulo wakho wesikweletu, ababolekisi kunye namanqaku okuthenga ngetyala banokucinga ukuba unenkathazo, kwaye abayi kuba bengavumi ukuvuma iimali-mboleko ezintsha kuwe.
Ukufumana imali: unako ukuhlawula ikhonkco ngokukhawuleza apho unakho ukukhangela isheke somntu. Nangona kunjalo, ungeke ufumane okungakumbi njengoko ucinga. Kubaqalayo, ikhadi le-credit card imingcipheko yokukhawuleza iyancipha ngakumbi kunomda wokuthenga ngetyala-ke khangela iinkcukacha kwi-credit card yakho. Ngaphezu koko, iibhanki zingenakukunika inani elipheleleyo lemali ngokukhawuleza ; unokufumana i-$ 200 xa uzama ukuhlawula i-check, ngelixa ezinye ziza kufakwa kwaye zigcinwe iintsuku eziliqela.
Ukuvavanya kakuhle kunokukunceda ukugcina imali (kwaye uyisebenzise kalula). Kodwa bafuna uqaphele ukuba ufuna ukuphuma engxakini: funda ukuprintwa okulungileyo uze ubize umnikeli wakho wekhadi ukuze uqonde oko ungena kuyo. Kwiimeko ezininzi, ingcamango enhle ukukhawuleza oku kuhlola njengoko beza kuzo: uya kuphepha isilingo, kwaye uya kwenza kube nzima ukuba isela lingabonakali ukuba lifumane isheke esingenanto.