Indlela yokufumana izibonelelo zamakhadi etyala eMexico ukuba unembali embi yekhredithi

Iintengiso

Ukuba nembali embi yekhredithi kunokwenza ukufumana ikhadi letyala kubonakale kungenakwenzeka. Abantu abaninzi abaye balibazisa iintlawulo, banamatyala okanye baneengxaki zemali bakholelwa ukuba abasakwazi ukufikelela kumathuba amatsha. Nangona kunjalo, nangona le nkqubo isenokuba nzima ngakumbi, ayiyonto ingenakwenzeka.

Ukuba imbali yakho ayintle kakhulu, kufuneka ube nesicwangciso esahlukileyo sokuchonga izibonelelo zokwenene nokwandisa amathuba akho okuvunywa.

Okokuqala: qonda imeko yakho yangoku

Ngaphambi kokukhangela izibonelelo, kubalulekile ukwazi ukuba umi phi.

Iintengiso

Imbali yekhredithi embi inokubangelwa zezi zinto:

  • Iintlawulo ezilibazisekileyo kwiikhredithi zangaphambili

  • Amatyala angekahlawulwa

  • Ukusebenzisa kakhulu umda wemali okhoyo

  • Ukusilela ukuhlangabezana nezibophelelo zakutshanje

Injongo asikokungayinanzi into eyadlulayo, koko kukwazi indlela yokuyilungisa ngokwemeko yakho yangoku.

Ngaba zikho izibonelelo zabantu abanembali embi?

Ewe, kodwa zidla ngokuba neempawu ezahlukileyo kumakhadi esintu.

Ngokuqhelekileyo ezi zibonelelo ziquka:

  • Imida yokuqala ephantsi

  • Iimfuno zengeniso ezifikeleleka lula

  • Uvavanyo olungangqongqo kangako

  • Amaxabiso enzala aphezulu

La makhadi awenzelwanga ukunika izibonelelo ezinkulu ekuqaleni, koko akuvumela ukuba wakhe kwakhona iprofayile yakho yekhredithi.

Indlela yokuchonga isibonelelo esifanele iprofayile yakho

Ukuba unembali embi, kubalulekile ukugxila kwiinketho:

  • ezingafuni ngeniso iphezulu kakhulu

  • ezingafuni mbali ingenaziphene

  • ezivumela ukonyuswa komda ngokuthe ngcembe

  • ezinemiqathango ecacileyo neselubala

Kuphephe ukufaka izicelo zeemveliso zodidi oluphezulu okanye ezineemfuno ezingqongqo, njengoko ukwaliwa kunokuyonakalisa ngakumbi iprofayile yakho.

Hlola iindleko ngononophelo olungakumbi

Xa imbali ingentle, ezinye izibonelelo zinokuba neendleko eziphezulu. Ngenxa yoko kufuneka ujonge ngenyameko:

CAT (Iindleko Zizonke Zonyaka)

Ukuba amaxabiso enzala aphezulu, kubalulekile ukuba ucwangcise ukuhlawula yonke imali eseleyo nyanga nganye ukuze uphephe inzala ephezulu.

Imirhumo neentlawulo zonyaka

Amanye amakhadi enzelwe abantu abajongwa njengomngcipheko ophezulu anokubiza umrhumo wonyaka okanye iindleko ezongezelelekileyo. Vavanya ukuba ungazihlawula na ezo ndleko ngaphandle kokubeka uzinzo lwakho emngciphekweni.

Isicwangciso ngaphambi kokufaka isicelo

Ukwandisa amathuba akho:

  • Nciphisa amatyala akho asebenzayo ukuba kunokwenzeka.

  • Lungisa iintlawulo ezilibazisekileyo ezisalindileyo.

  • Gcina uzinzo emsebenzini kangangeenyanga ezithile.

  • Kuphephe ukufaka izicelo zamakhadi amaninzi ngaxeshanye.

Ukubonisa uzinzo lwangoku kunokunciphisa ifuthe lembali embi.

Into ONGAMELE uyenze

Xa imbali intsonkothile, kuqhelekile ukuthatha amanyathelo ungxamile. Kuphephe:

  • Ukukholelwa kwizithembiso zokuvunywa okuqinisekisiweyo.

  • Ukufaka izicelo zamakhadi amaninzi ngaxeshanye.

  • Ukwamkela iimveliso ezinemiqathango engacacanga.

  • Ukuqhubeka nokuhlawula kuphela ubuncinane obufunekayo.

Isigqibo ngasinye esingalunganga sinokwenza kube nzima ngakumbi ukubuyisela iprofayile yakho kwimeko entle.

Indlela yokusebenzisa ikhadi ukuze wakhe kwakhona imbali yakho

Ukuba uvunyiwe, kufuneka ulibone njengesixhobo sokubuyisela impilo yezemali.

Ukuphucula imbali yakho:

  • Sebenzisa ngaphantsi kwe-30 % yomda wakho.

  • Hlala uhlawula ngaphambi komhla wokugqibela.

  • Zama ukuhlawula yonke imali eseleyo nyanga nganye.

  • Qhubeka usenza njalo kangangeenyanga eziliqela.

Ngokuzibamba, iprofayile yakho inokuphucuka ngokuthe ngcembe.

Kuthatha ixesha elingakanani ukuphucuka kwembali yekhredithi?

Ayenzeki ngoko nangoko, kodwa ayihlali ngonaphakade nayo. Ngokuziphatha kakuhle, abantu abaninzi baqala ukubona ukuphucuka kwiinyanga ezi-6 ukuya kwezi-12.

Eyona nto ibalulekileyo kukungaguquguquki. Inkqubo yezemali ixabisa indlela oziphethe ngayo ngoku ngokulinganayo naleyo yakudala.

Gxila ekwakheni kwakhona, hayi ekusebenziseni imali

Ukuba imbali yakho imbi, akufanele ulibone ikhadi njengolwandiso lwengeniso yakho, koko njengesixhobo esicwangcisiweyo sokubuyisa ukuthembeka kwakho kwezemali.

Khangela izibonelelo ezihambelana nemeko yakho yokwenene, hlola iindleko ngononophelo uze ubeke phambili uzinzo kunezibonelelo ezitsala amehlo.

Kuyenzeka ukubuyisela imbali yakho kwimeko entle. Ngomonde, ukuzibamba nezigqibo ezisekelwe kulwazi, ungaphinda ufikelele kumathuba angcono emali kwixesha elizayo.