Imirhumo kunye nenomdla iyanamathela
Xa uyeka ukuhlawula iibhilidi zekhadi lakho lekhredithi, iimali ezikhawulezileyo zongezwa kwiakhawunti yekhadi lakho lesikweletu.
Inkokhelo yakho encinci iyanda ngenxa yokuba kufuneka wenze iintlawulo ozilahlekileyo kunye nemali yokugqibela. Inqanaba lakho lesenzalo liya kunyuka kwizinga lokuhlawulwa emva kokuba i-akhawunti yakho ibe yiminyaka engama-60 edlulileyo ngenxa (iintlawulo ezimbini ezingabanjwanga). Ngenyanga nganye inkokhelo yakho encinci iya kukhula xa kukho imali yokuhlawula ngokukhawuleza yongezwa kwi-balance balance.
Xa izinga lokuhlawulwa liza kukhawuleza, iindleko zakho zezimali ziya kwanda. Isiphumo kukuba ibhalansi yakho ephumayo kunye nentlawulo oyifunayo ukufumana iya kuba yikhulu ngenyanga nganye ufike emva kwexesha. Kuya kuba kubi kakhulu ukufumana ngaphezulu kwakho.
Nangona emva kokufumana, ireyithi yesigwebo iya kuhlala isebenza kuze kube yilapho wenze iintlawulo ezintandathu ezilandelelanayo ngexesha. Emva koko, inzala yenzalo kufuneka ihlawule ibhalansi yakho ekhoyo kodwa ingahlala isebenza ngokuthenga ezintsha. Ukuba unamakhadi amaninzi ekhredithi kunye nenkampani yekhadi lekredithi, loo mathuba enzala anganyuka, nawo.
Imizamo Yokuqokelela Ukunyuka
Isebe lakho lokuhlawula ngekhadi lesikweletu liya kuqalisa ukudibanisa nawe ngefowuni, ngeposi, okanye kumyalezo wombhalo okanye i-imeyile ukukhumbuza iintlawulo zekhadi lakho lesikweletu. Ngelishwa, awukwazi ukuyeka iifowuni kwenkampani yakho yekhadi lesikweletu ngendlela onokuyenza ngayo kunye nomqokeleli wetyala. Xa ufuna ukuyeka iifowuni zokuqokelela amatyala , uMthetho woLwabiwo loLwabiwo lokuTyala lokuTyala luyakuvumela ukuba uthumele incwadi ebhaliweyo yokuyeka kunye neyokuxelela ukuba awufuni ukudibana kwakhona.
Umthetho ofanayo awusebenzi kumthengi wakho wokuqala .
Xa unemihla embalwa okanye iiveki emva kweentlawulo zakho, iifowuni kumntu obolekisiweyo azikho rhoqo. Zizikhumbuzi ezinobubele ukubuyela kwangoku kwi-akhawunti yakho. Nangona kunjalo, emva koko ufumana, ngokuthe rhoqo uya kuqhagamshelana naye. Akunjalo nje kuphela, ukuhlawula "izikhumbuzo" kufumana ithoni kwaye uqale ukukhankanya izenzo ezinzulu ezifana nokuhlawulwa kunye nokusilela. Emva kokuba uneminyaka engama-90 edlulileyo ngenxa yoko, umboleki wakho unokuthumela isibonelelo sokuhlawula , esiza kukuvumela ukuba uhlawule ityala xa uhlawula ipesenti yebhanki yakho ehlawulwe kwi-intlawulo-ntlawulo.
Ingxelo yeMboleko kunye neMpembelelo yeeMali
Iintlawulo ezihlawuleyo zongezwa kwingxelo yakho yekhredithi njengoko uneminyaka engama-30, i-60, i-90, i-120, kunye neentsuku eziyi-180 ngokukhawuleza. Ngelishwa, ezi ntlawulo zexesha elide ziya kwenza ukuba amanqaku akho okwekhredithi anciphise kwaye angonakalisa amandla akho okufumana ikhadi lesikweletu, umboleko okanye umqeshwa. Inqanaba lakho le-inshorensi linokunyuka ngenxa yeengcatshulwa zekhadi lesikweletu.
Kwiinyanga ezintandathu (iintsuku eziyi-180) emva kokuyeka ukwenza iikhadi lakho lekhadi lesikweletu, i-akhawunti yakho iya kuhlawulwa. Ngentlawulo-mali, inzuzo yenkampani yekhadi lesikweletu (mhlawumbi), akunjalo. Inkokhelo-evumela ukuba inkampani yekhadi lekhredithi ibhale phantsi lakho ityala elingakhokhelwa njengelahleko lokushishina.
Okwangoku, ufumana isiphako esinzulu kwingxelo yakho yekhredithi eya kuhlala kuyo iminyaka eyisixhenxe ezayo, ukuxwayisa wonke umntu ongekho phantsi kwintlawulo yemboleko.
I-Akhawunti Yakho Mhlawumbi iya kwi-Arhente yoHlelo
I-akhawunti yokuhlawulwa ngokukhawuleza ithunyelwa kwi- arhente yokuqokelela . Ukusuka apho, bathuthwa kwi-arhente enye yokuqokelela ukuya kwelinye de bahlawulwe okanye baxoshwe kwi-bankruptcy. Umboleki wakho oyimvelaphi okanye umqokeleli wetyala lomntu wesithathu unokumangalela ityala aze ahlawulwe okanye ahlawulwe. Emva komlinganiselo othile wexesha, ummiselo wemingcele unokukukhusela kwisigwebo somgwebo, kodwa i-akhawunti kufuneka ingasebenzi ngokupheleleyo iminyaka emininzi kwaye umthwalo wobufakazi uya kuba kuwe.
Izinketho zeKhadi leNkcitho yeMatyala
Zama ukulondoloza i-akhawunti yakho kunye nekhredithi yakho. Ukuba awukwazi ukuhlawula iintlawulo zekhadi lakho lekhredithi, qwa ga mshelana ne- arhente yomcebisi ngeengxowa- mboleki ezingakunceda uhlolisise zakho iinketho.
Iingxelo zekhadi lakho lesikweletu zibandakanya inamba kwiziko leengcebiso ngekhredithi.
Gwema umonakalo kwikhredithi yakho xa unako, kodwa qiniseka ukuba uqaphela imiphumo yokuhamba kude nekhadi lakho lekhadi lesikweletu.