Amakhadi etyala angaphezulu nje kwendlela yokuhlawulela izinto zemihla ngemihla ezifana nezixhobo, izixhobo, okanye ukuthenga kwi-intanethi. Akwakunceda wakhe irekhodi yendlela olawula ngayo imali.
Imbali eqinileyo yentengiselwano ibonisa iibhanki onokuziboleka kwaye uzibuyisele ngendlela efanelekileyo. Oku kunokwenza kube lula ukufumana imali mboleko, imida ephezulu yetyala, okanye nezinye izinto. Ikhadi letyala kwilixa elizayo.
Qhubeka ufunda ukuze ufunde okungakumbi ngendlela ukusebenzisa ikhadi letyala ngobulumko okunokomeleza ngayo iprofayili yakho yezemali.
Uthetha ukuthini ngembali yentengiselwano?
Imbali yakho yentengiselwano ibhekisa kuluhlu olupheleleyo lwazo zonke iintengiselwano ozenzileyo kwixesha elithile. Umzekelo, Ikhadi letyala leoyile yaseIndiya Imbali yentengiselwano iya kubonisa iintlawulo ozenzileyo kwizikhululo zepetroli usebenzisa ikhadi.
Amakhadi etyala akunceda njani ukwakha imbali yentengiselwano?
Ukusebenzisa la makhadi kwiintengiselwano kuchaphazela umlinganiselo wokusetyenziswa kwetyala lakho, amaxesha okuhlawula iibhili kunye nobude bembali yetyala lakho. Kukwachaphazela izicelo zakho zamakhadi amatsha kunye nomxube wakho wetyala osempilweni, njengoko kuboniswe ngezantsi.
Umlinganiselo wokusetyenziswa kwetyala
Umlinganiselo wokusetyenziswa kwetyala lakho ubhekisa kumlinganiselo wemali oyichithayo kumda wetyala uwonke okhoyo kwaye uhlala ubalwa ngokweepesenti.
Umlinganiselo ofanelekileyo wokusetyenziswa kwetyala kufuneka ube ngaphantsi kwama-30%. Lo mlinganiselo ubonisa ukuba usebenzisa ikhadi lakho letyala kodwa awuxhomekekanga kulo.
Ukuba umlinganiselo wokusetyenziswa kwetyala lakho ungaphezulu kwama-30%, ngoko unokuba semngciphekweni wokufumana amanqaku aphantsi etyala. Oku kubonisa ukuba uthembele kakhulu kwimali ebolekiweyo, nto leyo enokubonisa umngcipheko kubabolekisi kwaye inciphise amathuba akho okufumana imali mboleko okanye amakhadi etyala kwixesha elizayo.
Ukuphindaphindwa kokuhlawula iibhili zekhadi letyala
Ukuphindaphindwa kokuhlawula kwakho ityala kukwayinxalenye ebalulekileyo yembali yakho yentengiselwano. Ukuhlawula amatyala ekhadi lakho letyala ngexesha kukunceda uphephe izohlwayo ezifana neentlawulo ezifike emva kwexesha okanye iindleko ezongezelelweyo. Kukwabonisa ukuba ungumboleki onoxanduva, nto leyo enokwenza iibhanki zibe nethuba lokukuthemba ngamakhadi eprimiyamu, njengeKhadi leTyala le-Indian Oil., umzekelo. Enye inzuzo yokuhlawula amatyala akho rhoqo ngexesha elifanelekileyo kukuba nenqaku elihle letyala. Inqaku elihle letyala linokukunceda ukuba ufake isicelo semali mboleko ngokulula okanye uthenge into enexabiso eliphezulu ngaphandle kweengxaki.
Ubunini beKhadi letyala
Ubunini bekhadi lakho letyala bubhekisa kwixesha obuliphethe kwaye ulisebenzise ikhadi. Ukuba usebenzisa ikhadi lakho ixesha elide, uya kuba nembali ende yokuthengiselana. Ukongeza, ukungalisebenzisi ikhadi lakho ixesha elide kunokukhokelela ekuthintelweni okanye ekungasebenzini kwalo. Ngoko ke kufuneka ulisebenzise ngamanye amaxesha ukuze uligcine lisebenza.
Umxube wetyala ophilileyo
Umxube wakho wetyala ubhekisa kumxube weentlobo zemali mboleko ezingakhuselekanga nezikhuselekileyo. Imali mboleko engakhuselekanga ibhekisa kwiMali mboleko yoBuqu, Imali mboleko yeMfundo kunye nemali mboleko yeKhadi letyala, ezingaxhaswayo sisibambiso.
Kwelinye icala, imali mboleko eqinisekisiweyo ibhekisa kwezo ziqinisekisiweyo njengezibambiso kwaye zibandakanya imali mboleko yendlu okanye imali mboleko yemoto.
Ukuba uyakwazi ukulawula ezi ntlobo zombini zemali mboleko ngokuzihlawula ngexesha, oko kubonisa umxube wetyala olungileyo.
isiphelo
Kulula ukufaka isicelo seKhadi letyala elitsha ukuba unembali entle yokuthengiselana. Oku kuya kwenzeka kuphela ukuba ugcina umlinganiselo ofanelekileyo wokusetyenziswa kwetyala, ishedyuli yokuhlawula iibhili kunye nobude bobunini.
Zonke ezi zinto ziya kuchaphazela amanqaku akho etyala, ekufuneka abe phakathi kwama-750 nama-900. Ukuba namanqaku etyala aphilileyo kuya kukuvumela ukuba ufake izicelo zemali mboleko ngokulula kwixesha elizayo.
