Awunakho ukongeza kwimitha yakho yombane wekhadi
Eli cebiso liyasebenza ENgilani kuphela
Unokufumana ikhredithi yethutyana ukuba awunakukwazi ukunyusa isilinganisi sakho semitha. Umthengisi wakho unokongeza oku kwimitha yakho ngokuzenzekelayo xa uphelelwa yikhredithi, okanye kuya kufuneka unxibelelane nabo ubuze.
Ukuba unemitha yombane wekhadi ngenxa yokuba uhlawula ityala kumthengisi wakho, ungacela ukuba banciphise imali oyibuyisayo veki nganye.
Fumanisa ukuba ngubani umboneleli wakho wamandla ukuba awuqinisekanga.
Ukuba ufuna imitha yesiqhelo
Umnikezeli wakho kufuneka abuyisele imitha yombane wekhadi ngombane oqhelekileyo (lowo ukuvumela ukuba uhlawule umbane emva kokuwusebenzisa, kunangaphambili) ukuba unokukhubazeka okanye ugula okwenza ukuba:
Kunzima ukuba uyisebenzise, ufunde okanye ubeke imali kwimitha yakho
imbi kwimpilo yakho ukuba umbane okanye igesi icinyiwe
Fumana ikhredithi yethutyana
Ukuba uphelelwe yirhasi okanye umbane, umboneleli wakho wamandla kufuneka akunike ikhredithi yethutyana ukuba awukwazi ukongeza, umzekelo kuba:
awukwazi ukuyifumana
unengxaki zokunyusa
Umthengisi wakho unokongeza ikhredithi yethutyana kwimitha yakho ngokuzenzekelayo - ukuba ayenzi njalo, kuya kufuneka uyicele ngokukhawuleza. Ungajonga iwebhusayithi yomthengisi wakho ukuze ufumane indlela yokufumana ityala okwethutyana.
Abanye abathengisi kuya kufuneka bathumele umntu oza kubeka imali kwimitha yakho. Umboneleli wakho angakubiza intlawulo ukuba kufuneka beze ekhayeni lakho ukuze bongeze ikhredithi yethutyana. Abayi kukuhlawulisa ukuba banako ukuyenza ukude okanye ukuba yimpazamo yabo - umzekelo, ukuba isiphoso kwimitha yakho besithetha ukuba ngekhe uphakamise.
Jonga ukuba ungafumana ityala elongezelelweyo okwexeshana
Ukuba ufuna ikhredithi yethutyana eyongezelelweyo, kuya kufuneka uchaze imeko yakho kumthengisi wakho. Banokukunika ikhredithi yethutyana ukuba bacinga ukuba 'usesichengeni' - umzekelo, ukuba:
abakhubazekileyo okanye imeko yezempilo yexesha elide
Ngaphezulu kweminyaka yobudala yepenshini
usokola neendleko zakho zokuphila
Kuya kufuneka uhlawule nayiphi na imali eyongezelelweyo yetyala oyifumanayo - ungavuma ukuba uyibhatala njani na nomthengisi wakho. Ukufumana ikhredithi yethutyana eyongezelelweyo, kuya kufuneka uxelele umthengisi wakho ukuba:
uphelelwe yirhasi okanye umbane
uthintela umrhumo wegesi okanye ombane owusebenzisayo ukugcina imali- umzekelo, ukuba awunakukwazi ukubeka ubushushu
Ukuhlawula imali osibamba kumthengisi wakho
Ukuba unetyala kumthengisi wakho, uya kulihlawula ityala lakho qho xa uphakamisa imitha yakho. Umzekelo, ukuba uphakamisa phezulu nge- £ 10, £ 5 of that may go to pay back your debt, leaving you with £ 5 of credit.
Xelela umthengisi wakho ukuba awukwazi ukuhlawula oku. Bacele ukuba banciphise isixa osibuyisayo ngalo lonke ixesha usenyuka.
Umniki-zinkonzo wakho kufuneka aqwalasele ukuba unganakho ukuhlawula malini, ke baxelele ukuba ikhona into etshintshileyo okoko wavuma ukuba uza kuyibuyisa. Umzekelo, ukuba umvuzo wakho wehlile.
Ukuba usebenzisa umbane ukufudumeza
Abanye abathengisi badibanisa ukufudumeza ngokwahlukeneyo. Ngaphandle kokuba ukhankanye ukufudumeza kombane, banokunciphisa isixa osibhatalayo kuwo wonke umbane wakho, kodwa shiya intlawulo yakho yobushushu ngokufanayo.
Ukuba uqhubeka uphelelwa lityala
Ukuba uphelelwa yikhredithi uyokwakha ityala elongezelelweyo kumthengisi wakho, umzekelo kuyakufuneka uhlawule nayiphi na imali yetyala ongxamisekileyo oyisebenzisayo. Ungavuma ukuba uyibhatala njani na nomthengisi wakho.
Ukuba uziva ngathi uphelelwa ngamatyala ngokukhawuleza, ukuhlawula ityala kunokuba yingxaki. Cela umthengisi wakho akuvumele ukuba uyihlawule ngeveki kunokuba uyenze kube kanye.
Ukuba unako, zama ukongeza ngemali engaphezulu kwesiqhelo emva kokuphelelwa kwetyala.
Xelela umthengisi wakho ukuba ufuna inkxaso engaphezulu
Umboneleli wakho kufuneka akuphathe kakuhle kwaye ayithathele ingqalelo imeko yakho. Qinisekisa ukuba bayayazi malunga nantoni na enokwenza kube nzima kuwe ukuhlawula. Umzekelo, baxelele ukuba:
bakhubazekile
unesifo sexesha elide
Ngaphezulu kweminyaka yobudala yepenshini
babe nabantwana abancinci abahlala nawe
unengxaki zemali-umzekelo ukuba uback ngasemva kwirente
Buza nokuba ngaba ungafakwa kwirejista yeenkonzo zakho eziphambili.
Jonga ukuba awuhlawuli ityala lomnye umntu
Ukuba usandula ukufudukela ekhaya, unokuba uhlawula ityala lomntu owayehlala apho phambi kwakho. Qinisekisa ukuba umboneleli wakho uyazi ukuba ungene nini ukuthintela oku kungenzeki.
Jonga ukuba imitha yakho isebenza kakuhle
Iimpazamo zemitha zinqabile kodwa zinokubiza. Jonga ukuba imitha yakho inemposiso ukuba uphelelwa yikhredithi ngokukhawuleza kwaye akukho nto ibonakala ingalunganga.