Wake wazithola usebhange lakho, noma ezikhangisweni, nethuba loku-oda amakhadi esikweletu ngaphandle kokuqinisekisa imali engenayo kanye nokudilivwa ngokushesha? Lo mkhiqizo wezezimali ungenye yezinto ezivame kakhulu, kodwa empeleni uzifaka engozini enkulu yamakhadi esikweletu ngaphandle kokuqinisekisa imali engenayo kanye nokulethwa ngokushesha.
Uyafuna ukwazi okwengeziwe ngayo? Qhubeka ufunda ngoba ngikuchazela yonke into ukuze ungabi nankinga ngakho.
Ayini amakhadi esikweletu ngaphandle kobufakazi bemali engenayo kanye nokulethwa ngokushesha?
Into yokuqala okufanele uyazi ngamakhadi esikweletu ngaphandle kobufakazi bemali engenayo kanye nokulethwa ngokushesha ukuthi ngikhuluma ngomkhiqizo wezezimali. Lokho kusho ukuthi Ahlinzekwa yizinhlangano zamabhange. Nokho, ungaphinda uwathole ngabakhiphi bezikweletu.
Babonakala ngoba la makhadi Azidingi ukuthi umuntu ozicelayo anikeze ubufakazi bemali engenayo. Ngamanye amazwi, awudingi ukuba ne-payroll noma imbuyiselo yentela ukuze uyicele futhi uyinikwe.
Ngaphezu kwalokho, banemikhawulo ephansi yezikweletu, ikakhulukazi ngoba, ngokungaqinisekisi imali engenayo, labo abakukhiphayo ngokuvamile abakushiyi isamba esikhulu semali. Yiqiniso, izithakazelo ziphakeme kakhulu, futhi lokho kungaba nomthelela omubi uma kuziwa ekubuyiseleni lokho okuchithile.
Ngokuhambisana nalokhu, kufanele futhi wazi ukuthi aqukethe uchungechunge lwezindleko ezengeziwe. Okuvame kakhulu ngokuvamile imali yesondlo noma yokukhishwa, enyusa izindleko zalokho umsebenzisi okufanele akukhokhe.
Yiziphi izinzuzo abanazo?
Nakuba lesi sihloko sikhuluma ngengozi yamakhadi esikweletu ngaphandle kobufakazi bemali engenayo kanye nokulethwa ngokushesha, akungabazeki ukuthi, kwabaningi, kungase kube nezinzuzo lapho ufaka isicelo salolu hlobo lwekhadi.
Uzobona, Iqiniso lokuthi kulula futhi kuyashesha ukuwa-oda kungasiza abantu ukuxazulula noma yiziphi izindleko abanazo ngokushesha. Njengoba bengaceli imibhalo ephelele mayelana ne-solvency yakho yezezimali, nanoma yimuphi umbhalo ofakazela ukuthi uneholo, akudingekile ukuba ukhathazeke ngokuthi uzokwenqatshwa; Eqinisweni kunzima kubo ukwenza kanjalo.
Okuwukuphela kwento ongayicabanga engakuvimbela ekutholeni amakhadi ukuba sefayilini lobuhlongandlebe. Kodwa kufanele wazi ukuthi ezinhlakeni eziningi lokho akusona isithiyo.
Ungawacela kanjani amakhadi ngaphandle kokufaka imali engenayo
Uma zidonsa ukunaka kwakho, izidingo cishe zonke izinhlangano ezivame ukuzicela yilezi ezilandelayo:
- Okungenani ube neminyaka engama-23 ubudala.
- Yiba ne-akhawunti yasebhange esebenzayo.
- Ukungabi (noma yebo) emafayeleni okugebenga.
- Nikeza imibhalo kamazisi nokuthi uzoyikhokha kanjani isikweletu.
Ngalokho manje ungawucela. Yebo kunjalo, Kufanele uhlale ukhumbula ukuthi ibhange ngalinye lingase libe nezidingo ezithile noma ezinye. Ngakho-ke, uma ubona ukuthi ibhange lakho alikuniki noma lidinga kakhulu ngezidingo, ungahlala ucela kwelinye ibhange elikuvumelayo. Kufanele uqaphele nokho, futhi ngizochaza ukuthi kungani ngezansi.
Ingozi yamakhadi esikweletu ngaphandle kobufakazi bemali engenayo kanye nokulethwa ngokushesha
Manje, ingabe kuwumqondo omuhle ngempela ukufaka isicelo sekhadi elilodwa lesikweletu ngaphandle kokufakazela imali engenayo kanye nokulethwa ngokushesha? Ingabe umbono omuhle njengoba ungase ubonakale kuwe ekuqaleni? Hhayi-ke, iqiniso liwukuthi lokhu akunjalo ngaso sonke isikhathi. Ngizokuchazela.
Njengoba ubonile, lolu hlobo lwekhadi lunenani elilinganiselwe lesikweletu elikunika lona. Kodwa, ngaphezu kwalokho, unamazinga enzalo aphezulu kakhulu. Ngaphandle kokubhala okuncane okufanele kufundwe kahle kakhulu.
Konke lokhu kungakwenza ungene ezikweletini ngendlela yokuthi kuzokuthatha iminyaka ukuphuma kulesi sikweletu., ngoba njengoba ukhokha, sonke isikweletu singaqhubeka sikhiqiza inzalo, futhi lokho kusho ukuthi awulokothi uyeke ukukhokha ngaphandle kwalapho ungasikhipha kungazelelwe.
Kulokhu kufanele futhi wengeze enye inkinga ebalulekile futhi leyo amakhomishini kanye nezindleko ezifihliwe. Uyabona, uma ucela elinye lalawa makhadi uzothola ukuthi amakhomishana aphezulu kakhulu ekukhishweni, kodwa futhi awokulungisa. Kwezinye izimo, amanye amabhange aze akhokhise ngokusebenza, njengokukhipha imali kuma-ATM.
Lezi, ekuqaleni, zingase zingacaci, noma zingakutsheli nokukutshela. Yebo, kufanele zicaciswe kwinkontileka, kodwa ukwenza kanjalo kufanele uyifunde kahle kakhulu, ngoba ngokuvamile ifihliwe.
Enye inkinga okufanele inakwe umthelela omubi ocela a kulawa makhadi esikweletu ngaphandle kokuqinisekisa imali engenayo kanye nokulethwa ngokushesha. Njengoba lezi zingadingi bufakazi bemali engenayo, ngokuyisisekelo noma ubani angasifaka isicelo.
Futhi akuyona inkinga leyo, inkinga ukuthi, Uma yonke into ingaphathwa kahle, ungakwazi ukuqongelela izikweletu noma ukungakhokhi futhi wenze umlando wakho wesikweletu ube mubi. Okungukuthi, esikhathini esizayo, kungase kusho ukuthi ngeke unikezwe imali ebolekiwe noma i-mortgages, ngisho noma usukhokhele izikweletu ekugcineni.
Okokugcina, kufanele futhi ngikhulume nawe mayelana nezokuphepha. Futhi mhlawumbe awuyazi. Kodwa amaningi alawa makhadi angase angavikeleki njengamanye, ngakho-ke angase ahlanganiswe noma akunike ezinye izinhlobo zezinkinga. Isibonelo, uma iyeka ukusebenza, kuzomele ukhokhe imali ethe xaxa ekukhishweni kwelinye ikhadi, ukulilungisa...
Sengiphetha, lezi zinhlobo zamakhadi zingathakazelisa kakhulu, futhi zingakukhipha enkingeni. Kodwa uma ungazihleleli kahle ungazithola usunenkinga enkulu. Ngoba isikweletu singanqwabelana futhi ngeke uqede ukusikhokha isikhathi eside, okuzoba nomthelela emnothweni wakho kanye nethuba lokucela omunye umkhiqizo wezezimali.
Kukho konke lokhu, kufanele ucabangele ubungozi obukhona lapho ucela elinye lamakhadi esikweletu ngaphandle kokuqinisekisa imali engenayo kanye nokulethwa ngokushesha. Wake wa-oda eyodwa? Ngabe usuphumile "kucuphe" olungavela uma ungaziphathi kahle? Sikufunda emazwaneni.