Indlela yokufaka isicelo sekhadi lekhredithi eArgentina ukuba unembali embi yekhredithi

Ukuba nembali embi yekhredithi akuthethi ukuba uvalelwe kwinkqubo yezemali ngonaphakade. Abantu abaninzi eArgentina baye bajamelana nokulibaziseka kweentlawulo, amatyala okanye iimeko ezinzima zezimali. Eyona nto ibalulekileyo asikokuncama, koko kukuqonda indlela yokufikelela kwikhredithi kwakhona ngobulumko nangamanyathelo amancinci.

Ukuba imbali yakho ayintle kangako, esi sikhokelo siya kukunceda ufumanise ukuba zeziphi iindlela ezikhoyo, indlela yokwandisa amathuba akho okuvunywa nendlela yokwakha kwakhona iprofayili yakho yezemali, inyathelo ngenyathelo.

Okokuqala: qonda imeko yakho yokwenene

Ngaphambi kokufaka isicelo sekhadi, kufuneka uyazi kakuhle imeko yakho yekhredithi yangoku.

Imbali embi inokubangelwa zezi zinto:

• Ukulibazisa ukuhlawula imali-mboleko okanye amakhadi angaphambili

• Amatyala angekahlawulwa

• Ukuhlengahlengisa amatyala rhoqo

• Ukusebenzisa kakhulu umda wemali okhoyo

• Iitshekhi ezikhatyiweyo okanye ukungazifezi izibophelelo zemali

Kubalulekile ukwazi ukuba umi phi. Abantu abaninzi bafaka izicelo zamakhadi amatsha bengakhange bahlole imeko yabo, baze bafumane ukwaliwa okungakumbi, nto leyo eyenza ingxaki ibe mandundu.

Ngaba kunokwenzeka ukuba uvunyelwe ukufumana ikhadi nangona unembali embi?

Ewe, kodwa hayi naluphi na uhlobo lwekhadi.

Amaziko emali emveli adla ngokuba nemithetho engqongqo ngakumbi kubantu abaneengxaki zemali zakutshanje. Noko ke, kukho iimveliso ezenzelwe abantu abathathwa njengabasemngciphekweni omkhulu.

Ngokuqhelekileyo, ezi ndlela ziba nezi mpawu:

• Imida yokuqala ephantsi

• Amaxabiso enzala aphezulu

• Iimfuno zengeniso eziguquguquka ngakumbi

• Uvavanyo olungenamthetho ungqongqo kangako

Injongo yala makhadi asikokunika izibonelelo ezinkulu ekuqaleni, koko kukukunceda wakhe kwakhona imbali yakho yekhredithi.

Icebo 1: lungisa amatyala ngaphambi kokufaka isicelo

Ukuba unamatyala ongekawahlawuli ngendlela efunekayo, kungcono uzame ukuwalungisa ngaphambi kokufaka isicelo sekhadi elitsha. Nokuba unesicwangciso sokuhlawula ekuvunyelwene ngaso, oko kuyayiphucula iprofayili yakho xa kusenziwa uvavanyo kwixesha elizayo.

Akuyomfuneko ukuba ube “ugqibelele”, kodwa ukubonisa ukuba uzimisele ukuhlawula nokuba uzibophelele ekulawuleni iimali zakho kuyayitshintsha indlela ekujongwa ngayo umngcipheko.

Icebo 2: qala ngeemveliso ezinobungozi obuncinci

Ukuba unembali embi yekhredithi, ukwenza isicelo samakhadi epremiyamu yimpazamo. Kungcono ukuqala ngeendlela ekulula ukuzifumana nezivumela ukuba:

• Ulawule imida

• Usebenzise ikhadi ngokulinganiselweyo

• Wakhe imbali ngokuthe ngcembe

Amanye amakhadi akuvumela ukuba uqale ngomda ophantsi onokunyuka ngokuzenzekelayo ukuba uhlawula ngexesha kangangeenyanga ezininzi ezilandelelanayo.

Icebo 3: bonisa ukuba ngoku uyakwazi ukuhlawula

Nokuba imeko yakho yezemali yangaphambili ibingentle kangako, unokuyibuyekeza loo nto ngokubonisa ukuba ngoku uzinzile.

Kubalulekile ukuba:

• Ube nengeniso enobungqina

• Ukuphephe ukutshintsha umsebenzi rhoqo

• Kuphephe ukuba neentlawulo ezilibazisekileyo zakutshanje

• Ugcine lisezantsi inqanaba lamatyala onawo ngoku

Amaziko emali awajongi nje kuphela kwixesha elidlulileyo, ahlalutya nemeko yakho yangoku.

Izinto ONGAFANELE uzenze xa unembali embi yekhredithi

Kukho iimpazamo ezinokwenza imeko ibe mandundu:

• Ukuthumela izicelo ezininzi ngexesha elinye

• Ukufaka izicelo zamakhadi aneemfuno eziphezulu usazi ukuba awuzifezekisi

• Ukusebenzisa abantu abangekho semthethweni abathembisa ukuba uya kuvunywa ngokuqinisekileyo

• Ukuhlala uxhasa ngemali intlawulo yesixa esincinci kuphela samanye amatyala

Ukwaliwa ngakunye okungakumbi kunokuchaphazela iprofayili yakho kuze kunciphise amathuba akho kwixesha elizayo.

Indlela yokusebenzisa ikhadi ukuphucula imbali yakho yekhredithi

Ukuba uyakwazi ukuvunyelwa ukuba ufumane ikhadi, kufuneka ulijonge njengesixhobo sokwakha kwakhona imeko yakho yezemali.

Nantsi imigaqo esisiseko:

• Sebenzisa ngaphantsi kwe-30 % yomda wemali okhoyo

• Hlala uhlawula ngaphambi komhla wokugqibela

• Kuphephe ukuhlawula isixa esincinci kuphela

• Musa ukuthenga ngokungxama ngokugqithiseleyo

Kwiimeko ezininzi, emva kweenyanga ezi-6 ukuya kwezi-12 zokusebenzisa ikhadi ngenkathalo, iprofayili yakho yekhredithi inokuphucuka kakhulu.

Enye indlela: ukwakha imbali yekhredithi kwasekuqaleni

Ukuba imbali embi isand’ ukwenzeka okanye imbi kakhulu, kungangcono ukulinda iinyanga ezimbalwa ngoxa ulungelelanisa iimali zakho.

Ngelo xesha unokwenza oku:

• Hlawula amatyala angekahlawulwa

• Nciphisa iindleko ezingeyomfuneko

• Lungiselela ingxowa-mali yongxamiseko

• Gcina uzinzo emsebenzini

Iprofayile ehleleke ngakumbi yandisa amathuba akho okuvunywa kwixesha elizayo.

Umonde neqhinga: isitshixo sempumelelo

Ukwakha kwakhona imbali yekhredithi akuyonto yenzeka ngoko nangoko, kodwa kunokwenzeka. Abantu abaninzi bayakwazi ukusuka kwimbali yekhredithi embi baye kwiprofayile esempilweni kwisithuba sonyaka omnye okanye emibini ngokuzimisela nangocwangciso.

Umahluko awukho ekufumaneni ikhadi “elimangalisayo”, kodwa usekutshintsheni indlela olawula ngayo ikhredithi.

Ukufaka isicelo sekhadi letyala eArgentina unembali yekhredithi embi kufuna ukuba nengqiqo, iqhinga noxanduva. Qala ngeendlela ezifikelelekayo, bonisa uzinzo, soloko uhlawula ngexesha uze usebenzise ikhredithi njengesixhobo sokwakha kwakhona imbali yakho, kungekhona njengesisombululo esikhawulezayo kwiingxaki zemali.

Ngokuzingisa nangokulawula kakuhle imali, unokuphinda ufumane iimeko ezingcono uze ubuyisele impilo yakho yezemali.