Iyiphi ingxelo ehlawulwa ingxelo yokuguga?
Ingcaciso nje, ingxelo egugulekayo yokuguga ibonisa ukuba uhlalutyo lwebhanki lakho lihlawulwa ngokubonelela, ukufundwa kweencwadi kunye neenkonzo.
Ukujonga ngokukhawuleza kule ngxelo kubonisa ukuba ngababolekisi bakho bafana nani, imali ehlawulwa ngayo ngamnye umbolekisi kunye nokuba ixesha elide lihlawulwa njani.
Ingxelo yokuguga ihlawulwa njani?
Ezi ngxelo zihlela uhlawulelo lwakho, uzihlukanise ngexesha eliye ladlula ekubeni i-invoyisi ecela ukuhlawulwa ifunyenwe. Ngokuqhelekileyo, ikholomu yokuqala ibonisa ababoneleli bakho. Omnye umhlathi ubonisa inani elihlawulwayo. Iikholamu ezongezelelweyo zinika ukuhlahloka kwemali ehlawulwayo engaphantsi kweentsuku ezingama-30 ubudala, phakathi kweentsuku ezingama-31 no-60 ubudala, phakathi kweminyaka eyi-61 ukuya kwe-90 ubudala, kunye neentsuku ezingama-90 ubudala.
Yiyiphi ixabiso Ingxelo yokuguga ehlawulwayo?
Iingxelo zokuguga ezihlawulelwayo zibonelela ngendlela efanelekileyo kakhulu yoshishino ukubeka iliso kwiindleko zayo. Inokubakho ngokukhawuleza xa kufikelele ekulawuleni ukuhamba kwemali eqinile kuba kukunceda ekuqaliseni ukuba ngabaphi na abathengisi bakho mabahlawulwe ngokukhawuleza kwaye banokulinda ixesha elide.
Kwakwenza kube lula ukubona izibophelelo ezizayo, ezinokukunceda kwinkqubo yokucwangcisa iintlawulo zakho. Ekugqibeleni, ukusebenzisa i-akhawunti egugulekayo ingxelo ngokuguga ngokufanelekileyo kunokukunceda ukwandisa ukuzinza kwezimali kwenkampani yakho ngokusebenzisa uhlahlo lwabiwo-mali kwaye ululungise ukukhula kwangomso.
Ingxelo ye-aging yokuhlawula ihlawulwe rhoqo kangakanani?
Kwiimeko ezininzi, ingxelo egugulekayo yokuguga kufuneka iqhutywe kwaye ihlaziywe rhoqo ngenyanga.
Ukwenza oko kukuvumela ukuba ubone ukuba uhlawula ngokufanelekileyo okanye uthembele kakhulu kwi-credit. Kwakhona kukunika ithuba lokujonga izinto ezinokukhawuleza ukuze uthabathe amanyathelo okulungisa. Ngaphezulu, inokunika ulwazi olufunekayo ukuba uhlakulele kwaye uphumelele izicwangciso eziphucula imeko yokuhamba kwemali yebhizinisi lakho. Umzekelo, unokhetha ukuzama isandla sakho ngokuthintana nemigaqo engcono kunye nabathengisi bakho ngokucela isaphulelo sokuhlawulwa ngokukhawuleza okanye ixesha elide elifunekayo.
Yintoni okufuneka uyigcine engqondweni xa uhlolisisa le ngxelo?
Ekubeni iingxelo eziguguleyo zokuguga zixhomekeke kwixesha eliye ladlula ekubeni i-invoyisi ifunyenwe, kubalulekile ukukhumbula ukuba akukho zonke iishedyuli zokuhlawula ezifanayo. Abanye abathengisi bavumela iintsuku ezingama-30 ukuba zihlawulwe; abanye banomncinci okanye iifestile ezinde. Oku kuthetha ukuba ibhili-mali eye yagqitywa ixesha elide kunokuba lingaba ngowona wokuqala. Xa uhlolisisa ingxelo kunye nokucwangcisa iintlawulo zakho, kubalulekile ukuba ugcine imihla efanelekileyo yokucinga. Ukongeza, abanye abathengisi banikezela izaphulelo xa kuhlawulwa intlawulo ngexesha elithile; ukuba eli phulo likhulu, linokubakhokelela ekuhlawuleleni iivosi zabo phambi kwabanye.
Yintoni eyenzekayo xa ungaphumeleli ukusebenzisa ingxelo eguguleyo yokuguga ngokufanelekileyo?
Nangona ihlabathi njengoko siyaziyo ngokuqinisekileyo akuyi kuphela xa ungahlolisisi iingxelo ezimbalwa zeemali ezigugu eziguga, uqhuba umngcipheko wokulahleka ithuba okanye uzifumene ingxaki ngababolekisi. Ukuhlolisisa le ngxelo rhoqo kukunika ithuba lokubeka iindleko, ukujongana neentlawulo, ukukhomba iingxaki ezinokubakho iingxaki ekuqaleni, kwaye uchaze iinkalo apho unokuphumeza izicwangciso ezintsha kwaye uphucule ukuhamba kwemali yakho. Ekubeni le mi sebenzi ibalulekile kwimpumelelo yenkampani, ixesha elichithwe liqhuba kwaye lihlaziywa iingxelo eziguguleyo iingxelo zokuguga ngokuqhelekileyo zichithwa kakuhle.