Period Grace. Indlela yokusebenzisa kakuhle

Advertising bethandazile usiqinisekisa ukuba nawuphi na umnini na ikhredithi khadi uyakwazi ukufumana imali ngetyala ngaphandle umdla kakhulu ixesha elide, nto leyo kuthetha ukuya kwiinyanga enye okanye ezimbini, kunye nexesha ngakumbi. Abaninzi wakrokrela awufuni ukuba le nto nje zithutha emaphepheni. Noko ke, iibhanki ezinkulu ezifana zazo nga imoshe kakhulu umfanekiso. Akukho nkohliso apha. Kuyimfuneko kuphela ngaphambi kokusayina isivumelwano kwiziko lamatyala ukuba afunde amagama ngononophelo. Ngoko ke oko alufakwanga phantsi ibinzana enomtsalane "isithuba saphambi korhafelo"?

Ukuthetha ngokoqobo, oko kwa kwelixesha kude kube sekupheleni apho ungasebenzisa imali ebolekiweyo ngaphandle nokuhlawula inzala ngayo. Ngethiyori, yonke into elula, kodwa ukusebenzisa ikhadi lamatyala ngesithuba ubabalo ngetyala esikhutshwe ziibhanki ezahlukahlukeneyo, ukusebenza ngeendlela ezahlukeneyo.

Oko kufuneka sinikele ingqalelo

Okokuqala, ingqiqo i "Ubabalo ixesha credit", njengoko umgaqo isicelo transactions ngokubhatala ukuthenga eli khadi, kunokuba etsalwe imali. Ngaphandle, Kakade, zikhona, kodwa ngaphambi kokuba angene kwimvumelwano, qiniseka ukuba ukucacisa le ngongoma.

Impazamo yesibini ukuba abasebenzisi abaninzi amakhadi, kucetyiswa ukuba ukusetyenziswa isusiwe imali ikhadi "ezamahala" kangangoko ngexesha elichazwe ntengiso. Enyanisweni, oku akusoloko kunjalo. Ngoko ke, ukuba kwisithuba ubabalo iintsuku ezingama-60, oku akusoloko kuthetha ukuba ngokususa imali ikhadi nangaliphi na ixesha, unako ukubuyela kubo ngelo xesha kwaye kufuneka ukuba ahlawule ngomdla.

Ngakumbi, i "inzala-free" ukusetyenziswa kwemali waboleka luquka izigaba ezibini:

• zokuhlala (ixesha xa uchithe imali evela ikhadi);
• iintlawulo (liqalisa kulandela zokuhlala kunye mayiphume ukuhlawula ityala ngokupheleleyo).

Kuyinto la ziqwempu othi uwadibanisa ngokomfanekiso ledinga-50, 60 okanye ngaphezulu kwiintsuku umdla-free ukusetyenziswa imali. Inqanaba lesibini yinto elula, kuba linani eliqingqiweyo leentsuku, ibhanki kubonisiwe, ngokufuthi ilingana no 20. Kodwa ixesha zokuhlala inokuchazwa ngeendlela ezahlukeneyo. Ukuba ufumana omtsha ngecredit card, ixesha ubabalo ingaqala ngalo mzuzu?

• ikhadi kusebenze;
• kuqala zisuswe iindlela zayo.

Kwixa elizayo, lo gama inokuchazwa ezahlukeneyo silingana:

• ezisele kuze ekupheleni kwenyanga yekhalenda inani leentsuku;
• kukho inani eliqingqiweyo leentsuku ukususela kumhla inyathelo kwimaphu (ngamanye amaxesha lilingane ixesha behlawulwa).

Kunjalo, kwimeko yokuqala, ukuba imali iyatsalwa inombolo 1, ixesha ubabalo kuya kuba iintsuku ezingama-50 (a nyanga + ixesha lokuhlawulwa elilinganiselwa kwiintsuku-20 zekhalenda), kodwa ukuba ubambe i msebenzi amanani-15, ukuba usebenzise indlela ekhohlo (iintsuku ezili-15 phambi kokuphela kwenyanga + iintsuku 20 billing period = iintsuku 35).

Kwimeko yesibini, yaye ngokuqhelekileyo lweplastiki cheap, ixesha inzala-free kunokuba ube sezantsi kangangoko iintsuku ezingama-20.

Yintoni na uncedo ebhankini

Kubonakala: isixa elithile ungasebenzisa imali ebolekiweyo for free. Kutheni nababolekisi ahambe ngayo? Eneneni, ixesha ubabalo - iinkonzo olusebenzayo omabini. Umsebenzisi unethuba ukwenza ukuthenga ngokwemimiselo kakuhle (ukuba unalo ixesha ukuhlawula ityala ngexesha). Kaloku, ibhanki iya kufumana ipesenti kunokuba enkulu (20% ngonyaka), xa umxhasi na ukuhlawula ityala ekupheleni inzala-free nqanaba. Ngendlela, ukuba ikhadi sele icala isixa-30,000 engange, naphambi kokuphela kwethuba lubabalo kucinywa 25,000, ipesenti yokusetyenziswa kwemali akazi ukuba ahlawule 5,000 engange, yaye yonke loo mali.

Ngoko ke, akuba safunda ngenyameko imiqathango eziinkozo, siya eyiyo lahla kubo.