Yintoni ekuKhutshwa kweMali?
Ikhredithi evuselelayo yintlobo yekhredithi engasetyenziswa ngokuphindaphindiweyo ukuya kumda othile xa nje i-akhawunti ivulekile kwaye iintlawulo zenziwa ngexesha. Ngetyala eqhubekayo, inani lemali- mboleko ekhoyo , ibhalansi kunye nentlawulo encinci iya kunyuka iphantsi phantsi kuxhomekeke ekuthengeni kunye neentlawulo ezenziwe kwi-akhawunti.
Iintlawulo zenziwe ngokusekelwe kwisixa esibolekelwe, kunye nentlawulo yenzalo esekelwe kwibhalansi.
Ngekhredithi eguqukayo, unakho ukukhetha ukubuyisela umvuzo kwixesha elithile okanye ngokukhawuleza. Ukuba ukhetha ukuhlawula ibhalansi yakho ngexesha, kufuneka uhlawule kuphela intlawulo esezantsi efunekayo ngumkhupheli wekhadi lesikweletu.
Mhlawumbi sele uqhelene neentlobo ezimbini eziqhelekileyo zeentengo zemali-mboleko: amakhadi ekhredithi kunye nemigca yemboleko.
Indlela yokuThuthukisa iMisebenzi yeMali
Unokufumana ikhadi lekhredithi kunye ne-ACME iBhanki eneemali ezili-1 000 zemali. Unako ukuthenga ukuthenga kwikhadi nangaliphi na ixesha nje ngokuba unamathela kwimimiselo (umz. Ungahambi ngaphezu komda kwaye wenze inkokhelo encinci ngexesha).
Ngenyanga yokuqala, wenza i-$ 100 ekuthengeni. Uya kuba ne-$ 900 yeentengo zemali ezikhoyo ezithengelelweyo kwezinye izinto. Unokuhlawula yonke ibhalansi ye-$ 100, unokwenza intlawulo encinci ichazwe kwisitatimenti sakho sokuhlawula , okanye unakho ukuhlawula imali phakathi kwentlawulo encinci kunye ne-balance balance.
Masithi ukhetha ukwenza inkokhelo encinci ye-$ 25 kunye ne-balance balance yakho iya kwi-$ 75 kwaye i-credit yakho ekhoyo iya kunyuka kwi-$ 925.
Uqala inyanga ezimbini, nge-$ 75 kunye ne-925 ye-credit. Uhlawulise i-$ 10 kwiindleko zezemali kuba awuzange uyihlawule ibhalansi yakho ngenyanga ephelileyo. Ukwenza enye i-$ 100 ekuthengeni, ukuzisa ibhalansi yakho ku-$ 185 (ibhalansi yangaphambili + inzala + yakho entsha yentlawulo) kunye nenkokhelo yakho ekhoyo i $ 815.
Kwakhona, unakho ukukhetha ukuhlawula ibhalansi ngokupheleleyo okanye ukwenza inkokhelo encinci. Ukhetha ukuhlawula ngoku epheleleyo ngeli xesha. Uhlawula yonke ibhalansi ye-$ 185, ukuzisa ibhalansi yakho kwi-$ 0 kunye nekhredithi yakho ekhoyo ukuya kwi-$ 1,000 ukuqala inyanga ezintathu.
Qaphela ukuba amakhadi okuhlawula aphezu kancinci ukusuka kwingcaciso yekhredithi evukelayo. Ngelixa unako ukusebenzisa i-credit yakho ngokuphindaphindiweyo, awukwazi ukuhlawula ibhalansi kwiinyanga eziliqela ngaphandle kokujongana nezigwebo ezinzima. Iimali zokukhawuleza zifuna ukuba uhlawule ibhalansi ngokupheleleyo ngenyanga.
I-Non-Incolving Credit echazwe
Ikhredithi engekhoyo i-credit isingasetyenziswa kwakhona emva kokuba ihlawulwe. Imizekelo imboleko yezikolo kunye nemali-mboleko yemali engasetyenziselwa kwakhona xa sele ibuyiselwe. Xa uqala ukuboleka imali, uvumelana nesantya somdla kunye neshedyuli ehlawulelwayo yokubuyisela. Kumele uhlawule inyanga nganye ukuhlawula imali mboleko ngokuvumelana nesivumelwano. Ngokuxhomekeke kwisivumelwano sakho semali-mboleko, kunokukho inhlawulo yokuhlawula ibhalansi yakho phambi kweshedyuli.
Iimveliso zetyala ezingenzi-mali zihlala ziba nenani lentsha ephantsi xa kuthelekiswa nekhredithi eqhubekayo. Oku kubangelwa umngcipheko omncinci ochaphazelekayo kunye nemveliso yeentengo zemboleko, ezihlala zibophelelwe ekubambeni ukuba umboleki angabamba xa ungekho phantsi kweentlawulo.
Ngokomzekelo, imali yakho yokubolekwa ibophelelwe kumhlaba othengiswayo ukuba umnini-mboleko angakwazi ukubeka ingqungquthela xa uswele emva kwemali yakho mboleko.
Emva kokuba uhlawule i-akhawunti yekhredithi engekho, i-akhawunti ivaliwe kwaye ayikwazi ukusetyenziswa kwakhona. Uya kufuneka wenze esinye isicelo kwaye uhambe kwinkqubo yokuvuma ukuboleka imali eyongezelelweyo.
UkuPhikisana nokuThatheliswa kweNkcitho engeyiyo
Nangona i-credit-non-converting often has a lower interest rate and schedule predictable payment, it does not have flexibility of credit revolving. Unokusebenzisa i-credit evolisayo kwiintlobo ezahlukeneyo zokuthenga ngokukhawuleza nje ukuba unamathele kwiimpawu zekhadi lesikweletu.
Ngakolunye uhlangothi, inkokhelo engekho ehambayo inamandla amakhulu okuthenga ngenxa yokuba unokuvunyelwa ukuba ube nemali ephezulu, kuxhomekeke kwingeniso yakho, umlando wentengo kunye nezinye izinto. Ngenxa yomngcipheko ochaphazelekayo, iibhanki zihlala zinciphisa umlinganiselo onokuboleka kwi-credit evolving.
Awukwazi ukuthenga indlu ekhadini lesikwerethi ngenxa yokuba cishe awuyi kuvunyelwa ukuba umlinganiselo wekhredithi ukhulu ngokwaneleyo ukuthenga.
Zombini iindidi zee-akhawunti zetyala ziluncedo kwiimeko ezahlukeneyo. Qinisekisa ukuba ukhetha ukhetho olulungileyo ekuthengeni okwenzayo. Kungakhathaliseki ukuba ukhetha umkhiqizo wekredithi ojikelezayo okanye ongaguqukiyo, qwa lasela iindleko kunye neendleko zokuboleka kwaye unamathele kwisivumelwano sokubuyisela ukuze ungalimazi ikhredithi yakho.