Ukutshintshwa kwemali ye-0% ye-APR yileyona nto ibhetele yokukhutshulwa kwemali yokubhalwa kwemali kuba awuyi kuhlawula inzala kwimali ekudlulileyo ngexesha lokuphromotha.
Ngokuqhelekileyo kufuneka ukuba ube nekhredithi ephezulu kakhulu ukuze ufanele ukufumana amakhadi ekweretheni okudlulisela ibhalansi ye-0%.
Ngethuba lokutshintshela ibhalansi, inzala yakho yemali ekutshintshelweni kwemali iya kuba ngu-0% kwithuba lonke lokuphromotha. Ngokomthetho, amaxesha okunyusa kufuneka abe ubuncinci beenyanga ezintandathu, kodwa amanqaku amaninzi ekwereta anikezela ixesha elide lokunyusa. Oko kuthetha ukuba awuyi kuhlawula nayiphi na imali ehlawulwayo kwi-balance transfer kuze kube yilapho izinga lokukhushulwa liphela. Umzekelo, ukuba ukutshintshela ibhalansi yakho inomyinge we-0% kwiinyanga ezintandathu, awuyi kuhlawula umrhumo ekutshintshisweni kwakho kweenyanga ezintandathu.
Ekubeni akukho mali yokuhlawulwa kwemali, yonke inkokhelo yakho yenyanga ihamba ekubhekiseleleni ekunciphiseni ibhalansi (kunye nomrhumo wokuthumela imali xa uhlawuliswe omnye). Emva kokuba u-0% wokutshintshela ibhalansi uphelile, izinga lokutshintshela ibhanti eliqhelekileyo liya kusebenza kwinxalenye engenakuhlawulwa yokudluliselwa kwemali. Uya kuqhubeka uhlawuliswa inzala nganye nyanga de ihlawulwe imali.
0% Imali yokuTshintshiselwa kweMali
Indlela engcono yokusebenzisa inzuzo ye-0% yokuhlawula ibhalansi kukuhlawulela ibhalansi ngaphambi kokuba uphuculo luphelile. Ngaloo ndlela, awukhokhanga inzala kwimali. Hlukanisa imali epheleleyo oyidlulisela ngethuba lokutshintshela ibhalansi ukuze ufumane into oyifunayo ukuhlawula inyanga nganye ukuhlawulela ngokupheleleyo umrhumo ngaphambi kokuba ixesha lokuphromotha liphele.
Gwema ukwenza nayiphi na intsebenziswano nomyinge ongeyintengiso, ukunyuka kwemali okanye ukuthenga nge-APR rhoqo, ade uhlawule imali yokutshintshela imali. Oku kubandakanya ukuthenga kunye nenkqubela phambili yemali . Xa unesilinganiso kunye neerhafu ezahlukeneyo, inkokhelo yakho yenyanga iyahlukana phakathi kweemali. Inkokhelo encinci kuphela iya kufakwa kwi-% yakho yokutshintshela ibhalansi kwaye nantoni na ngaphezu kweyona ntlawulo encinci iya kufakwa kwi-balance kunye nezinga eliphezulu lemali. Unokucinga ukuba uhlawula imali ekutshintshelweni kwemali xa uhlawula ngokwenene uhlobo oluthile lokulinganisela.
Musa ukulahla i-0% yokuTshintshiselana kweeMali
Unokulahlekelwa ukunikezelwa kwebhanti yakho ye-0% xa wenza intlawulo emva kwexesha, uhlawule umvuzo, okanye ungadlulanga umda wakho wesikweletu ngelixesha lokuphromotha. Ukuba oko kwenzekayo uza kubangela ukuba izinga lokutshintshela ibhalansi ephezulu liphezulu. Ngentlawulo emibini emva kwexesha, umniki wekhadi lesikweletu angafaka isantya sohlwayo de uze wenze iintlawulo ezintandathu ezilandelelanayo ngexesha.
Awufanele Udibaniswe Ngomdla we-0%
Imali yokuxhaswa kwemali yenzelwe enye inxaxheba yokukhuthazwa komdla, kodwa ayifani ne-0% yokutshintshela ibhalansi. Nge-0% inzala echasiweyo, ufumana ixesha elingenamdla, kodwa inzala iyaqhubeka ifikeleleke, okanye iqokelele, ngelixesha lokuphromotha.
Ukuba uhlawulela ngokupheleleyo ibhalansi ngaphambi kokuba ikhefu elichasiweyo liphelile, awuyi kuhlawula nayiphi na inzala. Nangona kunjalo, ukuba nayiphi na ibhalansi ihlala ingakhokhelwa xa ixesha lesigxina elichasiweyo liphela, yonke inzala eyongeziweyo yongezwa kwibhalansi yakho, ingalahlekanga zonke iinzuzo zokuba nomdla ochaziweyo.
Ukutshintshwa kwepesenti ye-Zero ayilungiselelwe ngale ndlela. Akukho nzala ithola ixesha lokunyusa kwaye ukuba awuyi kubuyiselwa ngokupheleleyo imali, uqala ukuhlawula umrhumo wenyanga kwintlawulo engakhokhelwa ukusuka kuloo nqanaba phambili.