Ukusebenzisa Inkxaso-mali yeKhadi lokuTyala ukuQala iBhizinisi elincinci

Abanini bamashishini amancinci ngamanye amaxesha bajika kumakhadi-mboleko ukuze baxhaswe ngemisebenzi yabo Ekubeni iibhanki zivalile ukuvala iingcango zabo kumashishini amancinci emva kokuKhuphela okuMkhulu ka-2008, amashishini amancinci awanakukhetha ukuba bafuna ukugcina iingcango zabo zivulekile. Uphando olwenziwa ngasekupheleni kuka-Apreli 2009 lufumene ukuba ama-59% amashishini amancinci ayetyenziswe ngamakhadi-mboleko ukuze ahlawule ngemisebenzi yabo.

Ukusetyenziswa kweKhadi leKhadi lokuThumela iiNkampani zokuThuthuka

Kwaye ukuqala ukuqhuba ishishini kusetyenziswa ukuxhaswa kwekhadi lokuthenga ngetyala lokufumana amabhizinisi abo emhlabathini.

Ngokuqhelekileyo, abanikazi bamashishini bokuqala abangekho ngetyala lekhredithi. Banekhredithi yabo kuphela. Ngenxa yoko, banamakhadi abo kuphela.

Ukuba basebenzisa amakhadi esikweletu ngamakhredithi abo ekuhlaleni amashishini abo okuqalisa, ngoko ke batyala uxanduva lwabo nawaphi na amatyala abo bawenzayo. Kuthekani ukuba wena, njengomnini wezoshishino ezithembisayo zokuqalisa, uphumelele ityala elininzi kwikhadi lakho lokuthenga ngetyala, uzama ukwenza ibhizinisi lakho lisuke phantsi kwaye liphumelele? Emva koko uye wafumana imali eninzi yamatyala kungekho nto ukubonisa ngayo.

Ukusebenzisa ikhadi lokuthenga ngetyala lokuxhaswa kwishishini lokuqala kukuthetha ukuthatha ingozi enkulu. Nangona kunjalo awunayo ikhredithi yoshishino okwamanje, ngoko awukwazi ukufaneleka kwikhadi lekhredithi yoshishino ekunika ukhuseleko. Ukuba awukwazi ukufumana mboleko yebhanki, engenakwenzeka ukuqala, kwaye awukwazi ukufumana inkxaso-mali-mali-mali, yintoni enye into oyikhethayo?

Ukulondoloza Ubuntu okanye Imali evela kwiNtsapho kunye nabahlobo

Kukulungele ukusebenzisa imali yakho yokugcina okanye imali evela kwintsapho okanye ngabahlobo ukuba unako.

Ukuba loo mithombo ayifumanekanga kwaye ucinga ukuba unomdla oshisayo ngokwenene kwi-ishishini lokuqala , ngoko unganakho ukukhetha kodwa ukubuyela kwi-card credit card. Ukuba kufuneka usebenzise i-credit card finance ukuze uqalise ishishini lakho elitsha, zeziphi izinto omele uziqwalasele?

Ngaphambi kokuba uqalise ishishini lakho kwaye uqale ukusebenzisa ikhadi lakho lekredithi ngemali yeendleko, fumana indlu yakho ngokufanelekileyo.

Yenza ingxelo yakho yekredithi. Ikhredithi yakho ingaba yinto engenabala okanye iphantse. Qinisekisa ukuba usufikeleleke kuzo zonke iimbopheleleko zakho. Into ebalulekileyo kukuba ufanele ukwazi ukufumana iibhilidi zekhadi lesikweletu oza kuzifaka ekusebenziseni ishishini lakho kwikhadi. Kufuneka ube neengcamango ezithile malunga nokuba unetyala elingakanani ukubeka amakhadi akho kwaye ukuba unako ukufumana ubuncinane ubuncinane beentlawulo. Ukuba awukwazi, yima khona!

UkuThetha inzala engaphantsi kunye nokuhlawula imali kwixesha

Ukuba unomlinganiselo ophezulu wokuthenga ngetyala, zama ukuxoxisana neerhafu zemali ephantsi kunye neenkampani zekhadi lakho lesikweletu. Sebenza ubuncinane neenkampani ezintathu. Unokudinga i-cash advance advance to get your business off the ground. Zama ukufumana intsingiselo yakho yemali ngemali ehamba phambili phantsi. Ukuba uhlala uhlawula iibhokhwe zakho ngexesha kunye nekhredithi yakho yekhredithi ilungile, unokukwazi ukwenza oku. Ufuna ukwenza oku okungenani ngamakhadi amathathu ekhredithi ukuze ukwazi ukuwagxotha okanye ukunciphisa iindleko zomdla njengoko uqala ishishini lakho.

Ukubeka imali eninzi kumakhadi-mboleko kuya kuthintela ubomi bakho bonke. Musa ukwenza ukuba kufuneka uthenge indlu okanye imoto okanye kufuneka uboleke imali ukuze uthumele umntwana wakho ekolishi. Ubomi bakho bonke kufuneka uzinzile ngenxa yokubeka imali eninzi kumakhadi-mboleko kuya kunciphisa umlinganiselo wakho wekhredithi nokuba zonke iintlawulo zenziwa ngexesha.

Oku kungenxa yokuba uya kusebenzisa ityala lakho amandla kunye neenkampani zekhadi zisebenzisa le nto ekubaleni i-credit score.

Njengoko uqala ukuhlawula ishishini lakho ngamakhadi wesikweletu somntu, iinkampani zekhadi zekhredithi zingaqala ukuphakamisa amaxabiso enzala. Akukho nto ongayenza malunga nale ngaphandle kokuqinisekisa ukuba wenze yonke intlawulo ngexesha. Zama ukufumana iinkampani zamakhadi ezinikezela ngenani leemali ezixhasayo njengoko oku kukunika ukhuseleko. Ukuba wenza ikhefu elikhawulezileyo kwikhadi elinye, elinye ikarada linokunyusa izinga lakho lesenzalo ukuze ungathathi leli thuba. Omnye ukhuseleko ukuzama ukwenza okungaphezulu kweyona ntlawulo encinane ngenyanga. Musa ukudlula umda wakho wesikweletu njengoko oku kuphakamisa iiflegi ezibomvu kwaye kuya kubiza imali.

Indlela Yokunciphisa Ingozi Yokuncitshiswa Kwemali

Njengokuba kunjalo neentengo ezikhulayo, njengoko usebenzisa i-credit card ye-credit card, uhlala usengozini kwimeko yokuba iinkampani zekhadi lokuthenga ngetyala liyanciphisa imilinganiselo yakho yemali. Into eyona nto yokwenza malunga nokwenza ukukhawuleza ngokukhawuleza ngokukhawuleza kwintsebenzo yemali eyenza kungenakwenzeka ukuba iinkampani zamakhadi zekrediti zenze oko. Emva koko, ukwenzela ukukhusela amanqaku okuthenga ngetyala kwi-drop down, khawukhuthele kakhulu ngokunamathela kumda wakho wemali kwaye wenze iintlawulo zakho ngexesha.

Ukusebenzisa imali ngekhadi lokuthenga ngamakhredithi ngokuqinisekileyo akuyona indlela efanelekileyo yokufumana imali yakho yokuqalisa ishishini. Nangona kunjalo, kukho iindlela onokuzisebenzisa ukuze zisebenze ukuba uqaphela. Ngokukhawuleza kunokwenzeka, kufuneka ubeke endaweni yolu hlobo lwezemali kwibhanki okanye nakwezinye iziko-mali zemali okanye ngaphandle kwemali-mali-mali.