Enye yezona zinto ezintle onokuzenza zona kukuba uphume kwetyala. Amatyala anqabile kakhulu . Inciphisa amandla akho okufumana umvuzo ngokususa kwimali onokuyifaka kunye nokuyigcina. Inqanda ukukhetha kwakho xa kuziwa ekutshintsheni umsebenzi wakho okanye ukuvula ishishini lakho. Ityala liya kuhlala lixhomekeke kuwe. Kufuneka uyeke ukusebenzisa izizathu zokuba ulungele ityala lakho kwaye wenze okuthile ukutshintsha imeko yakho. Indlela yodwa yokuphuma kwityala kukuba uyihlawule kwaye unqume ukusebenzisa ityala ngokupheleleyo.
01 Yenza isicwangciso sokuhlawula amatyala
02 Ukuqonda Imali Yakho Yomfundi
Iimboleko zemali zinokukhetha okukhethiweyo. Unokwazi ukuchasa ubunzima bezoqoqosho. Unokuba ne-interest rate engaphantsi kunomnye ityala. Unokuqwalasela ukubeka iimali-mboleko zomfundi wakho emva kwecebo lakho lokuhlawula ityala, kodwa kufuneka uhlawule. Uya kuzigcina iintlawulo zenzalo kwiminyaka. Kufuneka ube neenketho
03 Iingxowa-mali zokuXhobisa amatyala
Nangona, usenokukhangela isisombululo esilula ukuhlawula ityala lakho kufuneka uqaphele ngetyala lokuhlanganiswa kwetyala. Ngokuqhelekileyo le mboleko izakuhambisa ityala lekhadi lesikweletu elingakhuselekanga kumatyala aqinisekisiwe (umgca wokulinganisa ikhaya). Oku kunokuba yingozi, kuba ukuba ungaphumeleli ukwenza iintlawulo unokuba usengozini yokulahlekelwa ekhaya lakho. Kananjalo awuyikujongana nezizathu onokuthi uhlawulwe ngamatyala kwindawo yokuqala. Ngeniso-mboleko yokuhlanganiswa kwetyala awuyikuhlawula ngokukodwa ityala, kodwa uyayishukumisela kwenye indawo.
04 Iinkonzo Zengcebiso Ngezikweletu
Inkonzo yokwelulekwa ngetyala yenye enye inketho ezwakala ingcono kunokuba iyinyani. Inkonzo yokucebisa ngekhredithi iya kuboniswa kwingxelo yakho yekhredithi. Iinkonzo zokunikwa ngetyala zifumana imali kwiinkampani zekhadi lekhredithi. Kukho iingxelo ezininzi zeenkonzo ezenza ubuqhetseba kunye nabathengi bayo. Nangona kukho iinkonzo ezinokwenza iingcebiso ngekhredithi apho, unokwenza yonke into enikezelwa yona yinkonzo yokucebisa ngetyala. Kufuneka utshintshe imikhuba yakho yokuchitha kwaye ugxininise ekufumaneni ityala lethu. Kufuneka uqwalasele ngokucophelela zonke iindlela ozikhethayo ngaphambi kokuba ubhalisele i-relief relief relief firm . Basenokukwazi ukukunceda, kodwa kungabi nangoko ucinga ngako ekuqaleni.
05 Ukuhlawula amatyala
Ukuhlawula amatyala kukuvumela ukuba uhlawule ityala lakho ngokukhawuleza. Nangona kunjalo, kuyona kuphela inketho ukuba sele usele emva kweentlawulo zakho. Akufanele uyeke ukwenza iintlawulo ukwenzela ukuba ulungele ukuhlawulwa kwetyala. Unokuxoxisana neenkampani ukuhlawula isamba sokuhlawula ityala lakho njengentlawulo epheleleyo. Xa ukwenza oku, kufuneka ucele ileta ebonisa ukuba intlawulo iya kubalwa njengentlawulo ngokupheleleyo phambi kokuba wenze intlawulo. Kwi-credit report yakho ichaza ukuba ityala lilungiswe. Oku kukuchaphazela umlinganiselo wakho wekhredithi kunye neembali, kodwa kungabi nakwi-bankruptcy.
06 Bankruptcy njengedwendwe lokugqibela
I-Bankruptcy yindlela enye yokucima ityala lakho, nangona kunjalo, akuyona into enhle. Ngokuqhelekileyo kufuneka uhlawule inxalenye yesikweletu, kwaye ichaphazela amanqaku akho ekhredithi ngokukhawuleza. Ingabonakala ngathi isisombululo esilula, kodwa ityala lesikhwama somfundi alisoloko likhutshwe , kwaye liya kuthinta ikhono lakho lokufanelekela ukuthenga imali kwixesha elizayo. Ukuba ufumana imeko apho ungayiboni indlela yokuphuma, kuya kufuneka uhambe ngeengcebiso ngekhredithi ngaphambi kokuba ufanelekele ukutshatyalaliswa. Udinga ukuyeka ngokupheleleyo ukusebenzisa amakhadi akho ekwereta, kwaye kufuneka uthethe kummeli. Nangona kunjalo, oku akusinokuba isisombululo enethemba. Ukuba kunokwenzeka ukuba ufanele ukuhlawula amatyala akho ngokwakho.
07 Thatha uxanduva kwiiNyulo zakho
Ekugqibeleni, kufuneka uthathe uxanduva lwakho ngetyala lakho. Unokwenza oku ngokusekwa uhlahlo lwabiwo-mali, ukunciphisa imali yakho kunye nokulandela isicwangciso sakho sokuhlawula ityala. Uya kusindisa imali ukwenza umsebenzi uqobo kwaye uzakutshintsha imikhuba yakho yokuchitha imali, oko kuthetha ukuba uza kutshintsha isimo sakho semali. Ekubeni unika imibingelelo inguqu zinokuthi unamathele ngaphezu kwesisombululo sokulungisa ngokukhawuleza. Kwakhona kubalulekile ukuqonda ukuba awukho uxanduva lokuhlawula izikweletu zabazali ngaphandle kokuba ubhaliswe nabo ngemboleko. Qinisekisa ukuba ungabonisi nje xa uphuma kwetyala.