Kumntu ozama ukugcina imali kumdla wekhadi lesikweletu, yonke into yokutshintsheliswa kwekhadi lekhredithi ibonakala ithandeka. Kuphela, akusiyo yonke ibhalansi yokutshintshwa ukuhamba kakuhle. Ngamanye amaxesha ukuhambisa ibhalansi kunokukushiya kwisimo esibi kakhulu, ingakumbi ukuba imigaqo yekhadi elitsha lekhredithi ayilunganga njengemigqaliselo endala. Nazi ezinye izihlandlo ukuba ukutshintshwa kwemali kungabikho ingcinga embi. Ukuba kukho enye yeyinyaniso kwikharityhulam yekhredithi ocingayo, kungcono ukushiya ibhalansi yakho apho.
Awunelungelo lokufumana inzala yentengiso
Ukufumana isibonelelo sekhadi lesikredithi kwisibonelelo sokutshintsheliswa kwemali esithengiweyo akuthethi ukuba uya kuvunywa kulawo magama. Xa umboleki-mali ethatha ingxelo yengxelo yemboleko kwaye uvavanya ingeniso yakho, banokukuvumela ukuba ufikelele kwizinga lokutshintshela imali. Ngaphandle kwamanqaku omvuzo omkhulu, amathuba awunakufanelekela ukuba ufikelele kwizinga lokutshintshela imali.
Ikhadi lesikweletu sele linomlinganiselo
Ngokuqhelekileyo iphuzu lokutshintshela ibhalansi kukusebenzisa inzuzo ephantsi. Nangona kunjalo, xa ikhadi lekhredithi linokulinganisela kwisantya semali ephezulu, awuyi kufumana inzuzo epheleleyo yezinga lokutshintshela ibhalansi.
Xa wenza iintlawulo zakho zenyanga, kuphela intlawulo encinci iya kufikelela ekuhanjisweni kwezinga lokuhlawula kwexabiso. Nantoni na ngaphezu kweyona nto ibincitshisi iya kunciphisa ibhalansi kunye nezinga eliphezulu lemali kunye nokuhanjiswa kwemali kuya kufaka inzala.
Kule meko, ukutshintsheliswa kwebhanki yakho ayiyi kufikelela kwenzalo ukuba i-0%, kodwa enye ibhalansi iyakunciphisa ukukwazi kwakho ukusebenzisa inqanaba lokunyusa.
Utshintshela izilinganiso ukuphepha ukuhlawulwa kwekhadi lesikweletu
Ukutshintshela ibhalansi ngenxa yokuba unayo imali eyaneleyo yokwenza ukuba inkokhelo yakho ihlehlise.
Unokuphepha ukuhlawulwa kule nyanga, kodwa kuthiwani malunga nenyanga ezayo? Kwaye ekubeni ukugqithiselwa kwemali kuthatha ixesha, umthengi awukwazi ukugqiba ngaphambi kokuba intlawulo yakho ifike ngenxa kwaye uya kuba noxanduva lokuhlawulwa nantoni na. Ukuba awukwazi ukwenza i-credit card yakho yentlawulo, hlola ezinye iinketho.
Ikhadi elitsha lekhredithi linomrhumo wonyaka
Ukuhambisa ibhalansi yakho kwikhadi lesikweletu elinomrhumo wonyaka lingayichasani nayiphi na inzala yokugcina imali oyifumana kwizinga lokutshintshela ibhalansi. I-calculator yokutshintsha ibhalansi inokukunceda ukuba uqikelele iindleko zokudlulisela ibhalansi yakho ngokuthelekisa imigaqo yekhadi lakho lekredithi elidala. Ngaphambi kokuba uhambise ibhalansi, qiniseka ukuba umrhumo wonyaka wonyaka awuyi kuphelisa ukubiza ngexesha elide.
Ikhadi elitsha lekhredithi linomlinganiselo osezantsi wekhredithi
Ukuhambisa ibhalansi yakho kwikhadi le-krediti elinomda ophantsi kunokulimaza amanqaku akho okwekhredithi, ingakumbi ukuba ibhalansi entsha ingaphezulu kwe-30% yomda wakho wemali. Ipesenti ezingamashumi amathathu zekredithi yakho yekhredithi ibona imali yakho. Ukusetyenziswa kwekhredithi ephakamileyo, ekulinganiselwe ngumlinganiselo wekhadi lakho lekhadi lesikweletu ukuya kumda wesikweletu, kunokulimaza amanqaku akho. Ngethamsanqa, ukuhlawula ibhalansi kunokubuyisela umvuzo wakho wesikweletu. Unokuba uzimisele ukwamkela okwexeshana kumlinganiselo wakho wekhredithi ukuba kukunceda ukuhlawula ibhalansi yakho yekhadi lesikweletu.
Awunakukwazi ukuhlawula ngexesha lokupasa
Inzuzo yezinga lokutshintshela ibhalansi yenyusa ukunciphisa okanye ukuphelisa iindleko zemali, okokuvumela ukuba ininzi yentlawulo yakho ihambe ekunciphiseni ukulinganisela kwekhadi lokuthenga ngesikweletu. Ungasebenzisa i- calculator yokukhokha yamakhadi-mboleko ukuze ufumane iintlawulo zenyanga oya kuyenza ukuze uhlawulele ibhalansi ngaphambi kokuba ixabiso lokunyusa liphele. Ukuba awukwazi ukuhlawula iintlawulo. kukho ithuba lokutshintshela ibhalansi kuya kuba kubi kakhulu kunokuba ukulindele.
Ukuba uthe wagqiba ekubeni ukudluliselwa kwemali akuyona nto ehamba phambili ngoku ngoku, ukucela umniki wekhadi lakho lesikweletu ngenani lemali elincinane linokukhetha ukugcina imali kumdla. Ngembali enhle yemali kunye ne-akhawunti yakho ngokuma kakuhle, umnikeli wakho wekhadi unokulungela ukunciphisa umlinganiselo wakho wenzala ngamaphuzu ambalwa eepesenti.
Ngaphandle koko, unokunciphisa inani lomdla ohlawula kwikhadi eliphezulu lekhadi ngokuhlawula imali ngokukhawuleza.