Ukusetyenziswa kwekhredithi yakho - yiyiphi imali yemali yekhadi lakho lesikredithi ngokuthelekiswa nomda wemali-mboleko - idlala indima enkulu kumanqaku akho ekwereta. Ukwenza u-30% wamanqaku akho ekhredithi, ukusetyenziswa kwetyala kwinto yesibini eyona nto inokuchaphazela umlinganiselo wakho wekhredithi, ecaleni kwimbali yentlawulo.
Ukubaluleka kokusetyenziswa kweebhanki kubalulekile ukuba ufuna ukwakha nokugcina ixabiso elifanelekileyo lamatyala. Njengoko ukusetyenziswa kwekhredithi kwandisa, umlinganiselo wakho wekhredithi unokuhla.
Ukusetyenziswa kwekhredithi ephakamileyo kubonisa ukuba usenokuba uchitha imali eninzi yenyanga ngenyanga kwiintlawulo zetyala ezifaka umngcipheko ophezulu wokuhlawula iintlawulo zakho.
Ukusetyenziswa kwekhredithi ephezulu kunokukhokelela kwikhadi lakho lesikweletu kunye nezicelo zokuboleka imali. Ukuba uvunyiwe, unokufuneka ukhokhe izinga lentlawulo ephezulu okanye wenze inkokhelo enkulu kunokuba unetyala lokusebenzisa imali.
Yintoni efanelekileyo yokusetyenziswa kwetyala?
Ukusetyenziswa kweebhanki ezingcono kakhulu kuku-0% - oko kuthetha ukuba awusebenzisi nayiphi na inkokhelo yakho. Nangona kunjalo, ukuba usebenzisa amakhadi akho ekhredithi kuwo onke, amathuba, ingxelo yakho yekhredithi ayiyi kubonakalisa ibhalansi . Kulungile.
Ngokuqhelekileyo, umlinganiselo omhle wokusetyenziswa kweebhenti ngaphantsi kwama-30%. Oko kuthetha ukuba usebenzisa ubuncinane ngaphantsi kwe-30% yesithatha-mali esipheleleyo kuwe. Ukuze ufikelele kwi-30% yokusetyenziswa kweentengo zemali, kufuneka ugcine izikali zakho zingaphantsi kwe-30% yomda wesikweletu. Nantoni na ngaphezulu kwe-30% inokubangela ukuba amanqaku akho ekhredithi alahle.
Kwikhadi lekhredithi elinomda we-$ 1,000, oko kuthetha ukugcina ibhalansi yakho ngaphantsi kwe-$ 300.
Ukubala Ukusetyenziswa Kwemali
Ekubeni ukusetyenziswa kwakho kwetyala kuyinkqubo elula, unokuqikelela ukuba usebenzise i-credit card. Udinga kuphela ukwazi imilinganiselo yakho yematyala kunye nezilinganiso zekhadi lesikweletu. Ungayifumana le ngcaciso ngokukhangela isitatimenti sakho sekhadi lesikweletu samva okanye ngokungena kwi-akhawunti yakho ye-intanethi.
Ukusetyenziswa kwetyala kubalwa ngokuhlula ibhalansi yekhadi lesikweletu ngamanqanaba emboleko. Isiphumo siya kuba sesidanga, njenge-0.5678, umzekelo. Yandisa loo nombolo nge-100 (okanye umane uhambise iipalimari ezimbini kwiindawo zokunene) ukuze uthole ipesenteji. Isiphumo sakho sisetyenziswe ngetyala lakho njengepesenti - - 56.78% kumzekelo wethu.
Xa umlinganiselo wakho wekhredithi ubalwa, isebenzisa ulwazi lwekhadi lesikweletu efumanekayo kwingxelo yakho yekredithi engathi ihluke kwi-akhawunti yakho ye-intanethi. Oku kwenzeka xa uhlawule okanye usebenzisa iakhadi yakho yekredithi ukususela ngeli xesha lokugqibela ulwazi lwakho lwe-akhawunti luye lwahlaziywa kwingxelo yakho yekhredithi.
Indlela yokunciphisa ukusetyenziswa kwakho
Ukusetyenziswa kwetyala kuyinombolo yamanzi. Itshintsha njengoko ibhalansi yakho yekhadi lesikweletu kunye nemigangatho yokuthenga ngetyala. Unako ukunciphisa ukusetyenziswa kwekhredithi ephakamileyo kwaye iya kubonakalisa ingxelo yengxelo yakho yekhredithi kunye nomlinganiselo wakho wekredithi ngexesha elizayo xa umnikeli wakho wekhadi lokuthenga ngetyala ebika ingxelo yakho yokulinganisela. Ngokuqhelekileyo kukho iindlela ezimbini onokuphucula ukusetyenziswa kwakho kwekhredithi.
Okokuqala, unokunciphisa izilinganiso zekhadi lakho lesikweletu. Bhatala kangangoko unakho kwikhadi lakho lekhredithi ukwenzela ukunciphisa ukusetyenziswa kwesikweletu sakho ngokukhawuleza. Gcina ukhumbule ukuba umniki-khadi wakho wekhredithi akanako ukubika ibhalansi yakho kude kube sekupheleni komjikelo wakho wokuhlawula , ngoko shiya ibhalansi yakho kude kube ngoko uqinisekise ukuba ubonisa ingxelo kwingxelo yemboleko.
Ukuba ungeke ukwazi ukuhlawula ibhalansi yakho ngokukhawuleza, thintela ukuthengwa kwamakhadi amatyala kunye nokunciphisa ibhalansi yakho kangangoko unakho.
Enye indlela yokunciphisa ukusetyenziswa kwetyala lakho kukuba umnikeli wakho wekhadi lokuthenga ngekhredithi ukwandise umda wakho wesikweletu , okungenokuba lula, kuxhomekeke kwingeniso yakho, umlando wesikweletu, kunye nexesha ukususela kwinqanaba lakho lokugqibela lokuthenga umboleko.