Indlela yokufumana ikhadi letyala eArgentina nokuba uneerekhodi ezimbi

Iintengiso

Ukuba wakha wahlawula emva kwexesha, wahlaziya amatyala akho okanye wadlula kwixesha elinzima kwezemali, kuqhelekile ukuziva ngathi le nkqubo ivale iingcango kuwe. Abantu abaninzi bakholelwa ukuba abanako ukufumana ikhadi letyala xa benembali yekhredithi embi. Kodwa inyaniso kukuba zikho iindlela ezinokulandelwa.

Asithethi ngezisombululo ezingummangaliso, koko sithetha ngeqhinga, ucwangco nezigqibo ezikrelekrele.

Yamkela indawo oqala kuyo

Inyathelo lokuqala asikokufaka isicelo sekhadi. Kukukuqonda imeko okuyo ngoku.

Iintengiso

Imbali yekhredithi embi inokubangelwa zezi zinto:

  • Iintlawulo ezalibaziseka kwixesha elidlulileyo

  • Amatyala angazange alungiswe

  • Ukusebenzisa ikhredithi ngokugqithiseleyo

  • Iingxaki zomsebenzi okanye ukuncipha kwemivuzo

Akukho nanye kwezi zinto ithetha ukuba “ugwetyelwe” ukuba neengxaki zemali. Ithetha ukuba ufuna icebo elahlukileyo kwelomntu onembali yekhredithi egqibeleleyo.

Amaziko emali ajonga ntoni xa uneerekhodi ezimbi

Xa imbali yakho yekhredithi ingagqibelelanga, amaziko emali ahlola ikakhulu izinto ezimbini:

  1. Ukuba ingxaki yenzeka kanye okanye ibisoloko iphindaphindeka

  2. Ukuba imeko okuyo ngoku ibonisa uzinzo

Amaxesha amaninzi, nokuba unerekhodi elibi, amathuba akho ayaphucuka ukuba ngoku unemivuzo ezinzileyo yaye akubangakho ntlawulo ilibazisekileyo kutshanje.

Le nkqubo ihlola umngcipheko. Injongo yakho kukubonisa ukuba namhlanje awunamngcipheko mkhulu njengangaphambili.

Loluphi uhlobo lwekhadi ofanele ugxile kulo

Ukuba unembali yekhredithi embi, ukufaka izicelo zeemveliso ezineenzuzo ezininzi okanye imida ephezulu kudla ngokuphela ngokungavunywa.

Elona qhinga lilungileyo kukuqala ngamakhadi:

  • Anemigangatho yokufaneleka efikelelekayo ngakumbi

  • Anemida yokuqala ephakathi

  • Avumela ukuba umda unyuswe ngokuthe ngcembe

  • Ahlola imeko okuyo ngoku ngaphezu kwezinto ezenzeka kudala

La makhadi awenzelwanga ukuhamba okanye ukufumana iinzuzo ezikhethekileyo. Enzelwe ukwakha kwakhona iprofayile yakho.

Indlela yokwandisa amathuba akho ngaphambi kokufaka isicelo

Ngaphambi kokugcwalisa nayiphi na ifomu, kuhle ukuba ulungiselele kwangaphambili.

Lungisa oko kunokwenzeka

Ukuba unamatyala angekahlawulwa angekho kwimeko efanelekileyo, zama ukuthethathethana okanye uvumelane ngesicwangciso sentlawulo. Nokuba awukalihlawuli lonke ityala, ukubonisa ukuba uzimisele ukuhlawula kuyayiphucula indlela ojongwa ngayo kwezemali.

Zinzisa imivuzo yakho

Ukuba usandul’ ukutshintsha umsebenzi, linda iinyanga ezimbalwa ngaphambi kokufaka isicelo. Uzinzo emsebenzini ludlala indima ebalulekileyo kuvavanyo.

Nciphisa inqanaba lamatyala akho

Ukuba usebenzisa phantse wonke umda onawo kwezinye iikhredithi, zama ukuwunciphisa ngaphambi kokucela ikhadi elitsha.

Iimpazamo omele uziphephe

Xa imbali yekhredithi ingentle, ukuphelelwa lithemba kunokukhokelela kwizigqibo eziphosakeleyo.

Kuphephe oku:

  • Ukufaka izicelo zamakhadi amaninzi ngexesha elinye

  • Ukukholelwa kwizithembiso zokuvunywa okuqinisekisiweyo

  • Ukwamkela iimveliso ezineendleko eziphezulu kakhulu ungakhange uhlalutye i-CFT

  • Ukuhlala uhlawula kuphela eyona ntlawulo incinci ifunekayo

Injongo asikokufumana nje imvume, koko kukuqinisekisa ukuba ikhadi liza kulawuleka ngokwezemali.

Indlela yokusebenzisa ikhadi ukuphucula iprofayile yakho

Ukuba isicelo sakho siyavunywa, qalisa inqanaba elitsha kwezemali.

Ukuze wakhe kwakhona imbali yakho yekhredithi:

  • Sebenzisa imali encinci

  • Musa ukusebenzisa ngaphezu kwe-30 % yomda

  • Hlawula yonke imali ekwingxelo yakho nanini na unako

  • Musa ukulibazisa intlawulo nangosuku olunye

Kukuzingisa okuguqula ngokwenene iprofayile yakho.

Emva kweenyanga eziliqela zokuziphatha kakuhle kwezemali, amaziko amaninzi ayawuhlola ngokuzenzekelayo umda wekhredithi okanye aphucule iimeko.

Kuthatha ixesha elingakanani ukuphucuka kwembali yekhredithi

Ayenzeki ngoko nangoko, kodwa ayithathi ngonaphakade. Ngokuzimisela, abantu abaninzi baqala ukubona ukuphucuka kwiinyanga ezi-6 ukuya kwezili-12.

Ukuba ugcina uzinzo, uhlawula ngexesha yaye akubikho zilibaziseko zintsha kwiintlawulo zakho, iprofayile yakho yekhredithi inokutshintsha ukusuka kweyomngcipheko iye kweyamkelekileyo ngexesha elifutshane noko.

Ikhredithi ayisosohlwayo esihlala sihleli. Yinkqubo esabela kwindlela oziphethe ngayo ngoku.

Indlela yokucinga efanelekileyo: ukwakha kwakhona, kungekhona ukwenza izinto ngokungacwangciswanga.

Ukuba imbali yakho yekhredithi imbi, akufanele ulibone ikhadi letyala njengesisombululo sokuchitha imali engakumbi, kodwa njengesixhobo sobuchule sokwakha kwakhona igama lakho kwezemali.

Eyona nto ibalulekileyo asikokufumana owona mda uphezulu unokwenzeka namhlanje, koko kukubonisa ukuba ungayilawula ngoxanduva ikhredithi.

Ngocwangciso, ngomonde nangokulisebenzisa kakuhle ikhadi, kunokwenzeka ngokupheleleyo ukuba uphinde ufumane iimveliso zemali ezingcono kwixesha elizayo.

Ukuba neerekhodi ezimbi akulimiseli ikamva lakho lekhredithi. Eyona nto ibalulekileyo koko uya kukwenza ukususela ngoku.