Iyintoni iKhadi leMali elingaKhuseli?
Ikhadi lesikweletu elingakhuselekanga likhadi lekhredithi elingafuni ukuba idiphozithi ikhutshwe kwikhadi lekredithi okanye ukunyuka kwemali yemali. Xa abantu basebenzisa ibinzana elithi "ikhadi lekhredithi," ngokubhekiselele ekubhekiselele kwikhadi lekhredithi elingakhuselekanga.
Ikhadi lokuTyala eliKhuselekileyo kunye neKhadi leMali elingaqinisekanga
Amakhadi ekhredithi angakhuselekanga ayanzima ukufumana; Uninzi lwamakhadi-ngetyala kwiimarike aluqinisekanga.
Ikhadi lekhredithi elilondoloziweyo liya kuhlala "likhuselekile" egameni, elingaxhaswanga ngamakhadi-krediti abizwa ngokuba ngamakhadi-krediti.
Akunjalo kuphela umahluko omkhulu phakathi kweentlobo ezimbini zamakhadi-mboleko.
Ngekhadi lekhredithi elingakhuselekanga, umniki wekhadi lokuthenga ngetyala alikho idiphozi yokhuseleko abanokuyithatha ukuba awuyi kuhlawula ibhalansi yakho yekhadi lesikweletu. Kunoko, ukhetho lomthengi luza kuthatha imizamo yokuqokelela. Oku kubandakanya ukubika ibhalansi yokuhlawula kwi-credit bureau, ekubhekiselele kwi-akhawunti yakho kumqokeleli wetyala lomntu wesithathu, ekumangalela enkundleni, okanye ukucela inkundla imvume yokulungisa umvuzo wakho .
Ukususela kumakhadi ekhredithi aqinisekileyo, ngokuthelekisa, kufuneka idiphozithi ibe yinto yokubambisa umgca wesikweletu, umniki-khadi umniki-lungelo unelungelo lokuthatha idiphozithi ukukhawulela ibhalansi engapheliyo. Idipozithi iyadingeka ngamakhadi ekhredithi aqinisekileyo kuba abafaki zicelo ngokuqhelekileyo babonwa njengengozi yemboleko.
Uninzi lwabantu luya kukhetha ikhadi lekhredithi elingakhuselekanga phezu kwekhadi lekhredithi elikhuselekile kuba oko kuthetha ukuba akufuneki ukuhlawula idiphozithi yezokhuseleko. Kwaye nangona uhlawula idiphozi yokhuseleko kwikhadi lekhredithi elikhuselekile, unokufuneka uhlawule umrhumo wonyaka kwaye ngaphandle kwezibonelelo ezingaphezulu. Amakhadi ekhredithi angakhuselekanga ayenamanani amanqanaba aphantsi kwaye anika iinkqubo zembuyekezo , iimpawu ezingaqhelekanga ngekhadi lesikweletu elikhuselekile.
Indlela yokufaneleka kwiKhadi leMali elingaKhuseli
Abantu abanekhredithi engalunganga, akukho ngetyala, okanye ngubani osanda kufaka i-bankruptcy baya kuba nelona xesha lilukhuni kakhulu elifanelekayo kwikhadi lekhredithi elingakhuselekanga . Uninzi lwababolekisi babona imbali yakho yekhredithi njenge-mngcipheko ukuba awuyi kubuyiselwa into oyibolekayo kwikhadi lesikweletu. Ikhadi lekhredithi elikhuselekile libhetele lakho elihle lokufumana ikhredithi yakho kumzila kwaye ufanelekele ikharityhulam engcono yekhredithi.
Ukuba awukwazi ukuvunyelwa kwikhadi lekhredithi elingakhuselekanga, qalisa kwikhadi lekhredithi elikhuselekile. Emva kokusebenzisa ikhadi lakho lekredithi ngokufanelekileyo kwiinyanga eziliqela, unokukwazi ukuguqula kwikhadi lekhredithi elingakhuselekanga. Ukuba ukhona, umnikeli wakho wekhadi lokuthenga ngetyala uya kubuyiselwa imali yakho. Ingathatha iinyanga ezili-12 ukuya kwezi-18 ukuba ziqwalaselwe kwikhadi lekhredithi elingakhuselekanga.
Unokuphucula amathuba akho okufumana ikhadi lekhredithi elingakhuselekanga ngokusebenzisa ikhadi lokuthenga ngetyala elilondoloziweyo ubuncinane ubuncinane kweenyanga ezintandathu, ukuzisa imali eyaneleyo, ukuhlawula iakhawunti yakho yangaphambili, nokunciphisa ityala lakho.
Unokuba unxulumane okanye umhlobo ozimisele ukufumana ikhadi lokuthenga ngetyala (elikhuselekile) kunye nawe. Oku kuya kukugcina ekuhlawuleni idiphozithi yokukhusela kwaye kukunike ithuba lokuphucula umlinganiselo wakho wekhredithi ukuze ukwazi ukuvunyelwa kwikhadi lekhredithi ngokwakho.