Umyalelo wemali yindlela ekhuselekileyo yokuthumela imali ngeposi okanye ukwenza iintlawulo kwiinkampani eziye zanciphisa ukhetho lokuhlawula. Kodwa, ukuba yonke into enekhadi lesikweletu, mhlawumbi uyazibuza ukuba ungayisebenzisa nokuba uthenge umyalelo wemali.
Ukuthenga iMali yeMali ngeCredit Credit
Unokuthenga umyalelo wemali ngekhadi lesikweletu, kodwa akuyona inketho ehlakaniphile okanye encinci. Ukuba unquma ukusebenzisa ikhadi lakho lekredithi ukuze uthenge umyalelo weemali, kufuneka uyenze ukwazi ukuba kuya kukubiza njani.
Gcina ukhumbule ukuba nangona abakhishi bekhadi lokuthenga ngetyala banokuvumela ukuba uthenge i-oda zeemali, ukhetho lwakho luyakunqunyulwa.
Ukuthengwa kweMali yeMali kuThathwa njengeCash Development
Ngenxa yokuba umyalelo weemali luhlobo lwentlawulo eqinisekisiweyo yokuhlawulwa efuna imali engaphambili, abakhupheli bekhadi lesikweletu bayabaphatha njengento yokuthengiselana ngemali. Ezi zintengiselwano ziphathwa ngendlela efanayo nokuhamba kwangaphambili kwemali . Khangela isivumelwano sakho sekhadi lesikweletu kwaye uza kubona iindlela zokuthengwa kwangaphambili kwemali zibiza kakhulu kunokuba kuthengwa kunye nokuhanjiswa kwemali.
Umlinganiselo wakho wokupasa imali ungaphantsi komlinganiselo wakho wesikweletu rhoqo kwaye kwezinye iimeko, mhlawumbi ingaba ngu-$ 0. Oku kuchaphazela isixa semali ongayithenga. Hlola umda wakho wokungena kwemali okhoyo ukuze uqiniseke ukuba unendawo eyaneleyo yemali oyifunayo, ngakumbi ukuba unayo ibhalansi kwikhadi lesikweletu ofuna ukuyisebenzisa. Umnikezeli wakho wekhadi lokuthenga ngetyala angakuvumeli ukuba uhambe ngaphezu komda wakho, nokuba ukhe wangena ukungena kwemida yokusebenza.
Uya kuhlawula imali yentlawulo engaphambili kwimali ethengiweyo ngekhadi lesikweletu. Imali yokuhlawula kwangaphambili yemali iyahluka ngokukhutshwa kwekhadi lesikweletu kwaye ngokuqhelekileyo iphakamileyo ye-5 ekhulwini ye-transaction okanye i-$ 10. Ukuba ufumana imali engaphambili ngemali eninzi, umzekelo ukuhlawula irenti yakho, imali yokuhlawula imali yangaphambili ingabiza.
Umzekelo, unokuhlawula umrhumo wama-$ 50 kwi-$ 1,000 eyandulela imali. Kwaye kukho phezulu kwayo nayiphi na intlawulo yemirhumo yomthengi. Imirhumo ingenza ukuthenga umyalelo wemali kunye nekhadi lesikweletu libiza kakhulu.
Imali yokuthenga i-oda iya kuba nenani eliphezulu lezala kwaye akukho xesha lobabalo . Ngokuqhelekileyo xa uthengisa ngekhadi lakho lesikweletu, unokuphepha ukuhlawulwa kwemali ngokuhlawulela ibhalansi ngokupheleleyo ngomhla ofunekayo. Awunalo olu khetho ngemali yokuthenga umyalelo. Imilinganiselo yemali engaphambili yamashishini iphakamileyo kuneemilinganiselo zokuthenga, okwenza umrhumo ukhokhelwe ngentengo yemali yokuthenga ngaphezu kokuthengwa rhoqo kwintlawulo efanayo.
Ukuba unomnye umlinganiselo kwikhadi lakho lekhredithi, ukuhlawula imali eyimali ebiza kakhulu kuya kuba nzima. Inkokhelo encinci iya kuhlala iya kwibhalansi kunye nenani lexabiso eliphezulu , eliya kuba ngumyalelo wakho wemali. Umnikezeli wekhadi lokuthenga ngetyala (credit card) okhetha indlela yokusebenzisa nantoni na ngaphaya kweyona nto ibincinci kwaye leyo iya kuba ngumlinganiselo wexabiso lomncinci. Isiphumo kukuba imali yakho yokulinganisa imali (eyona nto ibiza kakhulu) iyahla ngokukhawuleza ngenxa yokuba inomdla omkhulu.
Akukho Mvuzo weKhadi leMali kwiMali yokuThengwa kweMali
Ukuba unethemba lokwenqumla umvuzo omkhulu ngokuthenga i-oda zeemali ngekhadi lakho lekhredithi, awukhuni.
Abaniki bamakhadi abakhredithi abahlawuli umvuzo kwimpumelelo yemali okanye ukuthengiswa kwemali elinganayo (okanye ukuhanjiswa kwemali) eyenza ukuba imali yakho yokuthengwa kwemali ibe yinto engafanelekiyo kwimbuyekezo.
Ukufumana uMthengisi Owamkele iiKhadi zeNkcazo yeMirhumo yeMali
Ngelixa abaniki bekhadi bekhredithi beza kukuvumela ukuba uthenge umyalelo weemali, abathengisi abaninzi bemirhumo yeemali abawamukeli amakhadi esikweletu njengendlela yokuhlawula. I-Western Union kunye ne-7-Eleven njengamanje ziindawo ezimbini zokuthenga umyalelo wemali ngekhadi lesikweletu. IWalmart kunye ne-United States Postal Service ayamkeli amakhadi ekrediti ngemali yemali.
Abanye abathengisi baya kukuvumela ukuba uthenge i-oda yeemali ngekhadi lokubambisa, kodwa kuphela xa usebenzisa iPIN. Unokusebenzisa ikhadi lakho lekredithi ukurhoxisa imali kwi-ATM uze uthenge umyalelo weemali, kodwa uya kuhlawula iirhafu ezifanayo.
Ukuba uthengela umyalelo wemali ukuhlawula iindleko, jonga umgcini-mboleko ukuze ubone ukuba unako ukuzihlawula ngokukhawuleza ngekhadi lesikweletu.
Unokufuneka uhlawule imali elula, kodwa kuya kuba kubi kakhulu kunokuba usebenzisa ikhadi lakho lekredithi ukuthenga umyalelo wemali.