Ngaba Unokuzilahla nje ezo Zaziso Zokuqokelela?
Abantu abaninzi abafuni ukuhlawula i-arhente yokuqokelela, mhlawumbi ngenxa yokuba, ngaphandle kokuphela kweefowuni zokuqokelela amatyala, akukho nzuzo yokukhawuleza ityala.
Ngaphambi kokuba unqume ukungahlawulisi iqoqo, qiniseka ukuba uyazi imiphumo yokubambisa ibhalansi ephumayo.
Ikhredithi yakho iya kuba nefuthe.
Abaqokeleli-matyala babika i-akhawunti kwi-credit bureaus-ukunyuka okuya kuba nefuthe kumanqaku akho ekhredithi ngeenyanga eziliqela, mhlawumbi neminyaka. Amanqaku akho ekhredithi aya kulahla kwaye mhlawumbi sele ehlile ukuba ukuqokelela kukhadi lekhredithi okanye mboleko. Ukuhlawulwa kwexesha elide kunye nokuhlawuliswa okulandelelweyo okuphambili kwe-akhawunti yokuqokelela kuya kubonakalisa amanqaku akho okwekhredithi ngexesha lokuqokelela.
Abaqokeleli baya kuhlala bebiza.
Umsebenzi wokuqokelela ityala kukukuhlawula ityala. Ngokuqhelekileyo, abaqokeleli abenzi inzuzo ngaphandle kokuba baqokele inani elipheleleyo letyala elivela kuwe. Unokulindela rhoqo iifowuni kunye neeleta ezivela kubaqokeleli beetyala uze uhlawule.
Ngethamsanqa, unokuyeka iifowuni zokuqokelela amatyala ngokubhala kwaye ubacele ukuba bayeke ukubiza.
Qaphela, abanye abaqokelelwa ngetyala bawutyeshela umthetho kwaye baqhubeka bebiza ngokufanayo. Kwakhona, ukuba umqokeleli omtsha uthenge okanye anikezelwe ityala, ukuyeka kwakho kwexesha elide kunye neleta engenakukusebenza.
Izicelo zakho zinganqatshwa.
Ukuqokelela amatyala kuluhlu olubi kakhulu kunye nomqondiso kwabanye abatyala imali kunye nabathengisi ukuba awuzange uhlale ugcina izithembiso zakho zokuhlawula.
Ufunwa njengomboleki okhuselayo kwaye ngenxa yoko, ezinye zezicelo zakho zekhredithi entsha zingasuswa. Unokwenzeka ngokukodwa ukuba uguqulwe umboleko wemali ukuba ungekho imali ehlawulwayo kwingxelo yakho yekhredithi.
Unokuhlawula irhafu ephezulu xa uvunyiwe.
Azikho zonke izicelo eziphihliweyo ngenxa yokuqokelela kwingxelo yakho yekhredithi. Ukuba uvunyiwe, unokufunwa ukuba ukhokhe izinga lentengo ephezulu ukuhlawula umngcipheko ophezulu wokungahlawulwanga. Ezinye iinkonzo, njengesefowuni okanye iinkonzo zeekhephe, zifuna ukuba uhlawule idiphozi yokuphepha. Kwi-note entle, iifomethi zibuyiselwe okanye zihlawulwe kwi-akhawunti yakho nje kuphela xa uhlawula ngexesha ngalinye ngenyanga.
Unokuba nzima ukufumana umsebenzi.
Kubonakala kunengqiqo yokuba ababolekisi nababolekisi bayeza kukugweba ngenxa yokuba ne-akhawunti yokuqokelela . Ngelishwa, abanye abaqeshi bajonga iingxelo zemboleko kwizabasebenzi. Ukufumana iqoqo kwingxelo yakho yekhredithi kunokukugcina ungabhaqeshwanga, ngokukodwa ngemisebenzi yemali okanye kwimisebenzi yamanqanaba aphezulu.
Ityala liye linyuka liphuma kumqokeleli omnye ukuya kwesinye.
I-arhente zokuqokelela ngokuqhelekileyo zinikezelwa ityala ngeenyanga ezimbalwa. Ukuba awuzange uhlawule ngelo xesha, i- arhente entsha yokuqokelela ingathatha ityala.
Inkqubo iphinda iphindwe eziliqela kwixesha de ukugqitywa. Ityala aliyi kuze lihambe. Oku kuthetha ukuba unokwenza ukuthumela i-entsha kunye nokushiya incwadi ukuyeka iifowuni okanye ityala lokuqinisekiswa kwetyala elitsha ukunyanzela umqokeleli ukuba anikezele ukuba unetyala lakho.
Unokugwetyelwa.
Abantu abaninzi bacinga ukuba abaqokeleli abayi kuxolela amatyala malunga nemali ethile, kodwa inyaniso, abaqokeleli banokukugweba ngenxa yetyala nawuphi na umlinganiselo. Ukuba ngababolekisi bafumana isigwebo kuwe, banokucela ukuba inkundla ihlose umvuzo wakho ukuze ugxininise isigwebo. Musa ukuyihoxisa i-summation sshings, nangona ukholwa ukuba ummiselo weemingcele uye wadlula ityala lakho. Ukuba uthe wathweswa icala, qhagamshelana nommeli ngendlela engcono yokuqhubeka.
Ityala liya kuvela kwingxelo yakho yeebhanki emva kweminyaka eyisixhenxe.
Ingaba uhlawula iqoqo okanye ayikho, iya kuhlala kwi-credit card ingxelo yakho yonke imali yokunika ixesha lokuthenga ngetyala .
Emva koko, xa ixesha lidlulayo, iqoqo liya kulahla ityala lakho. Uya kusaya kufuneka kwaye umqokeleli unokuza emva kwakho, kodwa ingxelo yakho yekhredithi ayiyi kubonisa ityala.
Ukuhlawula iqoqo akuyona into enomdla kakhulu ukuyenza ngemali yakho, kodwa kukho ezinye iinzuzo zokuhlawula . Ngomnye, ufumana abaqokeleli umva wakho. Kwaye, iqoqo elihlawulelwayo libukeka libhetele ngakumbi kwingxelo yakho yekhredithi kunokungahlawulwa, ngakumbi xa kuziwa ekufumaneni i-credit entsha. Ukuba ukuqokelelwa kwakho kukusemthethweni, ngokuqhelekileyo kungcono, ekuhambeni kwexesha, ukuyihlawula kunye nokwenziwa nayo.