Ilungu lentsapho okanye umhlobo unokucela ukuba ubhale imali mboleko kubo - ukufumana indlu, ukuthenga imoto, ukufumana ikhadi lokuthenga ngetyala, okanye ukurenta indlu. Kwaye ngenxa yokuba unomdla kwaye ukulinganiswa kwesikweletu sakho kulungile ukwenzela ukuba uvumeleke, uyavuma. Kwiimeko ezifanelekileyo, umntu osibhalisile ukuba enze zonke iintlawulo ngexesha, ehlala ngesivumelwano, kwaye le nto iphuma ngaphandle kwengxaki enye. Nangona kunjalo, ngokuphindaphindiweyo, into eyenzekayo kwaye kwenzeka ukuba umntu angagqibekanga kwiintlawulo.
Okubi kakhulu, awukwazi ukufumana ukuba i-akhawunti ibe nzima kakhulu kwaye umboleki ufuna ukuba uyihlawule ngokupheleleyo.
Indlela yokuhlawulwa kwemali kwiNgxowa-mali echanekileyo ithinta wena
Xa ubhawula, awuyikunikezela nje imbali yakho yematyala ngenjongo yokuvunywa, ngokwenene wenze isivumelwano sokuthi uthatha uxanduva lokuhlawulwa kwetyala ukuba omnye umntu akanako ukukwazi ukwenza iintlawulo. Ngaloo nto, ukuba omnye umntu ulahleka intlawulo okanye ukungahlawulwanga kwemboleko, ujamelana nayo yonke imiphumo njengokungathi uyimboleko yakho, nokuba awufumani nanye yeenzuzo zemboleko mboleko, oko kukuthi awuhlali ekhaya okanye uqhuba imoto.
Imali kunye namakhadi ekwereta oye wabhalela uya kubalwa kwi- akhawunti yakho ye-credit . Naliphina iinyanga ezizakugqibela ziza kuba kwirekhodi yakho yemali kwaye zifakwe kumanqaku akho ekhredithi. Inyaniso yokuba ubhalisele kuphela imali mboleko ayibukeka ilungile kwingxelo yakho yekhredithi kwaye ayinciphisi umonakalo kumanqaku akho ekhredithi.
Ukuba i-akhawunti iya kwiiqokelelo , umqokeleli wetyala uza kukubandakanya kuyo nayiphi na imisebenzi yokuqokelela kuquka ukubiza kunye nokubeka i-akhawunti kwingxelo yakho yekhredithi.
Ingaba umboleki okanye umqokeleli wenkokhelo enikwe yona unokufakela isigwebo malunga nawe nayiphi na inxalenye engayikhokhelwa ityala, ngaphandle kokumangalela umntu osibhalisile.
Ukuba umboleki uyanqoba isigwebo, isigwebo siya kufakwa ngokuchasene nawe. Okubi kakhulu, ukuba awukwazi ukwanelisa isigwebo ngokugcwele, umboleki-mali unokufaka ifayile ukuba ihlawulwe umvuzo wakho ude ityala lihlawulwe ngokupheleleyo.
Naliphina ukukhutshwa, ukubuyiswa kwakhona, okanye ukuchithwa kwemali okubangelwa ukungahlawulwanga kwi-mboleko echanekileyo iya kubalwa kwirekhodi yakho ye-credit. Nangona ungazange uthintane naye ngenkokhelo, le nyathelo iya kuthi, ngelishwa, iya kwirekodi yakho yekredithi kwaye ikulandele ixesha lobungakanani bexesha lokunika ingxelo ngetyala . Okubi kakhulu, banokukugcina ungayifumana indlu okanye imoto yakho.
Ukuba omnye umqhagamshelanisi ukhetha ukufakela i-bankruptcy kwaye i-akhawunti echanekileyo ikhutshwe, umbolekisi usenokukunceda uxanduva lokusala kwe-balance. Thetha kummeli ukuba oko kwenzeka kuwe, ukufumanisa ukuba unyiphi inketho onayo yokujongana nenkokhelo ebhankiweyo.
Izinketho zakho Ukuba omnye u-Cosigner uyayeka ukuhlawula
Ngelishwa, xa omnye umntu sele eqalise ukuhlawulwa kweentlawulo, iinketho zakho zokujongana nomboleko ochitshiweyo ongekho phantsi kwaye azikho nanye zazo ezifanelekileyo. Ukuba iintlawulo zemboleko ziphelile, kodwa umboleko awuzange uphelelwe phantsi, unokuthintela izenzo ezinzima ngokubamba iintlawulo ngokwakho.
Ukukhusela i-credit yakho kunye nokukhusela isigwebo, unokufuneka uhlawule iintlawulo zenyanga uze umntu oqeshwe kuyo aqale ukwenza iintlawulo ngokwabo.
Ngendlu okanye imoto, unokukwazi ukuthengisa impahla kwaye usebenzise imali yokuhlawula ubuncinane eminye yemboleko. Nangona kunjalo, uya kuba noxanduva malunga naliphi na ibhalansi efunekayo xa ixabiso lokuthengisa alifihla imali ebolekileyo.
Ngokuxhomekeke kwimbali yentengo yomntu, banako ukuhlaziya okanye ukuhlanganiswa kwemboleko ukuze kuthiwe egameni labo kuphela. Kodwa, ukuba sele sele esele ihlawulwe kwiintlawulo, iingxaki zabo zokukwazi ukufumana imboleko yazo ziyimali. Ngaphandle koko, unokukwazi ukuhlaziya okanye udibanise umboleko ngokwakho ukuba oko kuya kubangela ukuhlawula kweenyanga eziphantsi, ezinokuhlawuleka.
Unokukhetha ukufakela i-bankruptcy ukuba awukwazi ukuhlawula imali mboleko, ingakumbi ukuba unenkathazo yokwenza enye i-card yakho kunye neentlawulo zemboleko.
Qhagamshelana nommeli webhanki ngaphambi kokuba wenze isigqibo.
Awukwazi ukwenza nto, kodwa iinzame zokuqokelela ziya kuqhubeka. Umboleki-mali unokukugweba, ngakumbi kwiimali-mboleko ezinkulu. Ingxenye ebaluleke kakhulu, ukuba umbolekisi uyakunikela kwaye anqobe, umntu osibhalele kuyo unokuhamba ngokugqithiseleyo kakhulu kungekho mbopheleleko kumbolekiso.