Yiba ne kwikhadi le khredithi Ngaphandle kwamathandabuzo, luluncedo lokwenene, olukuvumela ukuba wenze naluphi na uhlobo lokuthenga kwiivenkile ezibonakalayo nakwi-intanethi ngaphandle kokuphatha imali, kwaye ube nokufumana ithuba lokuba nemali kwi-ATM nganye onayo. Ngaphandle kwamathandabuzo kuvakala njengethuba ekungekho mntu uya kuliphosa, kodwa ngaphambi kokuqesha esi sixhobo semali, kubalulekile ukuba uyazi ukuba kuthetha ukuthini ukuqesha ikhadi lamatyala, kwaye ugcine ukhumbula iintlobo ezahlukeneyo zamakhadi akhoyo, ukuze ungaqwalasela zonke iindlela onokukhetha kuzo kwaye uthathe esona sigqibo siqinisekileyo.
Yintoni ikhadi lamatyala?
Omnye kwikhadi le khredithi sisixhobo semali apho ibhanki ikunika isixa semali onokuthi usisebenzise ukuthenga iimveliso kunye neenkonzo kumaziko abonakalayo nakwi-intanethi, kwimeko yokuba ekupheleni kwenyanga uhlawule ubuncinci obumiselweyo izinto ozithengileyo ngenyanga, ukuhlawula ezinye kancinci kancinci. Iinkonzo ezininzi ezinjengokuqesha imoto okanye ukulala kwiihotele ezithile zifuna ikhadi lekhredithi ukuze zikwazi ukuzithenga, kuba zimele indlela yokuzikhusela xa igumbi okanye imoto inokwenzakala. Ikhadi lokuthenga ngetyala likwaluncedo ekwenzeni zonke iintlobo zokuthenga kwi-Intanethi kunye nokwahlulahlula iintlawulo ngezavenge zenyanga xa iivenkile zinganikeli olu khetho.
Nangona kunjalo, kubalulekile ukuba ungabhidanisi ikhadi lamatyala kunye ikhadi lokutsalwa. Ngelixa kwikhadi letyala yibhanki ekuboleka isixa esithile semali ukuze uthenge, ngekhadi lebhanki kufuneka ube nguwe ofaka isixa semali osifunayo kwiakhawunti, kwaye ukuthengwa kwakho kuya kuncitshiswa ngu. Umahluko ophambili ulele kwinto yokuba ikhadi lasebhank lisebenza ngakumbi njengesixhobo sokugcina imali, apho uza kuchitha kuphela oko sele unakho, ngelixa ikhadi letyala likunika ubhetyebhetye bokwenza izinto ezinkulu, ukwazi ukuhlawula kancinci kancinci .
Kuthetha ukuthini ukuba nekhadi lokuthenga ngetyala?
Omnye kwikhadi le khredithi Akunzima ukufezekisa, kodwa xa sele unayo, kuya kufuneka ubenoxanduva ngokwenene xa kuziwa ekulawuleni iimali zakho ukuze ukwazi ukuhlangabezana neentlawulo kwangexesha. Kulapho ishishini lokwenyani lekhadi lokuthenga ngetyala lingena khona. Ibhanki ikunika imali-mboleko ukuze uthenge izinto ozifunayo, ngokutshintshela ikhomishini encinci ngentengo nganye oyithengileyo. Kubalulekile ukuba uyazi ukuba uninzi lwezinto ozithengayo ngekhadi letyala ziya kuvelisa inzala, enokuthi inyuke ukuba uyalibazisa ukwenza intlawulo engqinelanayo okanye ukuba awuhlawuli ubuncinci obumiselweyo. Ngale ndlela, ukuthengwa okuncinci okungakhange kuhlawulwe kunokuba ngumthwalo onzima kakhulu ukuba asiziholeli kwangexesha.
Uncedo kukuba amaxesha amaninzi uyakufumana iibhanki ezikunika inzala ongayikhetha kwimali oyithengayo okoko nje ushiya ityala lakho unguziro ngaphambi komhla wokuvala. Ukuba sifunda ukusebenzisa makhadi e khredithi ngobukrelekrele siya kufumana kubo isixhobo esinokususa umthwalo kuthi
Zeziphi izibonelelo zokuba nekhadi lokuthenga ngetyala?
La Eyona nto iphambili ukuba ne kwikhadi le khredithi Kukuba uyakuhlala unethuba lokwenza intlawulo encinci kunye enkulu ngaphandle kokuba ube ngumthwalo onzima wemali ekufuneka uyihlawule kwangoko. Ukuba iingxaki zakho kukuhlawula amatyala, oko kukuthi, unayo imali, kodwa kuya kufuneka ulinde intlawulo okanye ukuba yenziwe ukuhlawulela iindleko zakho, ungathandabuzi ukuba ikhadi letyala liya kuba lolona lufanelekileyo.
Ukongeza, iibhanki ngokubanzi zibonelela ngokwenyusa kunye nokunikezelwa okukhethekileyo kubathengi babo, njengenkqubo yenkqubo onokuyisebenzisa njengetyala ukuthenga izinto ezingaphezulu. Uya kuba nokufikelela kwikhonsathi okanye ubonise ukuthengisa kwangaphambili, kunye nokunyuswa okukhethekileyo kwamaxesha onyaka. Ukuba uthanda ukuhamba a ikhadi lekhredithi libalulekile, Ayisiyiyo kuphela yokuqesha iimoto okanye yokuhlala kwiihotele, kodwa iya kukuvumela ukuba uphume kwigumbi likaxakeka xa kunokwenzeka ukuba ufuna itikiti likaxakeka, uhlawule uncedo lwezonyango okanye nayiphi na inkonzo oyifunayo.
Zonke ezi zezona zinto zilungileyo eziza nokuqesha a ikhadi letyala kwaye ngaphandle kwamathandabuzo uya kuba nakho ukonwabela okoko nje ukwazi ukusebenzisa ikhadi lakho ngendlela efanelekileyo ngokuhlawula ubuncinci ubuncinci besixamali ngexesha elimiselwe kwisivumelwano sakho. Ukufunda uxanduva oluza nokuba nekhadi letyala, qhubeka ufunda eli nqaku:
Kwenzeka ntoni xa ndingalihlawuli ikhadi lam letyala ngexesha?
Ukuba umtsha ku Ihlabathi lamatyala Kubaluleke kakhulu ukuba uyithathele ingqalelo imeko yembali yetyala. Ngalo lonke ixesha ufumana imveliso yezemali ebandakanya umgca wekhredithi (oko kukuthi, ikhadi letyala, imali mboleko yakho okanye imali mboleko), uyavavanywa ngokusekwe kwindlela oyihlawule ngayo ityala. Ukuba ukwenzile ngexesha, ukuba ubuyise imali epheleleyo, ukuba uhlawule inzala kunye neekhomishini, ukuba uyigqithile ikhredithi yakho okanye uyisebenzise ngokufanelekileyo.
Lonke olu lwazi luyinxalenye yakho umlando wesikweletu, kwaye ngalo mzuzu ufuna ukucela elinye ikhredithi yalo naluphi na uhlobo, iinkampani ziya kuyiphonononga kwaye ngokusekwe koku baya kuthatha isigqibo sokuba bayakunika okanye hayi, okanye phantsi kwaziphi iimeko kunye nezikimu abaya kukunika zona ikhredithi. Ukuba unembali entle yokuthenga ngetyala, uyakunikwa inzala ekhethekileyo kunye nezikim zoncedo olungcono, ngelixa abantu abanembali yamatyala amabi bengade bafumane izicelo zabo zivunyiwe.
Njengokuba oko kwakunganelanga, ukulibaziseka ekuhlawuleni ityala lakho kuya kuvelisa inzala ngalo mhla uya kuphinda-phinda, kusiba nzima ukuhlawula. Kungenxa yoko le nto ngaphambi kokuqesha ikhadi letyala kufuneka ulazi uxanduva olumeleyo, kwaye ukuba awunalo ukhuseleko olupheleleyo yiyo le nto uyifunayo kwaye ungathobela zonke iintlawulo kwangexesha. Kungcono ukuba ujonge esinye isixhobo semali ukulawula imali yakho.
Ndazi njani ukuba ndikulungele ukufumana ikhadi lamatyala?
Kuyinyani ukuba ayinguye wonke umntu ozilungiselele ngokwasemalini ukuba abe ne ikhadi letyala Kwaye abo bangabo, amaxesha amaninzi abanalo ulwazi oluyimfuneko lokwenza ulawulo lwezemali olufanelekileyo. Ukuba ufuna ukufaka isicelo sekhadi letyala, sicebisa ukuba ube nale profayile ilandelayo:
- Ukuba ngumntu omdala onemali eyoneleyo yokuhlawula yonke inyanga ukukhawulelana nazo zonke iimfuno zakho ezisisiseko nangaphezulu.
- Yiba nomkhwa wokuhlawula ngexesha.
- Ngaba ukhe waliphatha ikhadi ledebithi.
- Yiba nokufikelela kwifowuni efanelekileyo ukuze ube nakho ukufumana izaziso kwaye ube nengxelo yeakhawunti ihlala ikho.
- Yazi inkqubo yentlawulo yebhanki kwaye sele wenze iintlawulo ngaphambili.
- Yiba nohlahlo-lwabiwo mali lwanyanga zonke kwaye wazi ngqo apho utyala khona okanye uchithe imali yakho.
Ukuba uchonga iimpawu esichaze ngaphambili, ungumgqatswa ofanelekileyo ukuba ufake isicelo sekhadi letyala. Siza kukuxelela ukuba ungayenza njani kwangoko.
Uyifumana njani ikhadi lekhredithi?
Ukuqesha a kwikhadi le khredithi Kuya kufuneka uye ebhankini oyikhethileyo, uhambe namaxwebhu afunekayo. Kuya kufuneka ugcwalise isicelo kwaye siza kuphononongwa ngokusekwe kwimbali yakho yekhredithi. Ukuba awunayo, izinto ezinje ngomvuzo wakho, ubudala bakho kunye nexesha obusebenza ngalo liya kuthathelwa ingqalelo. Ngokusekwe koku, uya kunikwa umgca wekhadi lakho, kwaye ungaqala ukulisebenzisela ukuthenga kwakho yonke imihla.
Uncedo kukuba iibhanki ezininzi zinika ithuba lokwenza yonke into uninzi lwazo inkqubo online, ke unokufumana ngokuqinisekileyo indlela yokufumana ikhadi lakho kwintuthuzelo yekhaya lakho. Kuwo omabini la maxesha, amaxwebhu aceliweyo ngokubanzi alandelayo:
- Ukuchongwa ngokusemthethweni (i-DNI okanye i-NIF)
- Ubungqina bengeniso yenyanga.
- Ukutsalwa kwiakhawunti yebhanki ukuba unayo.
- Ifowuni ephathekayo
- Idilesi yeposi okanye ye-elektroniki apho unokufumana khona iingxelo zeakhawunti yakho.
Kubaluleke kakhulu ukuba xa uqesha yakho kwikhadi le khredithi Chaza kakuhle umhla osikiweyo, oya kuba ngumzuzu xa umjikelo omtsha wenyanga wentengo oyithengayo uqala. Kwakhona, soloko ucacisa umhla obekiweyo wokuhlawula, kuba ukuba awuthobeli intlawulo kwangexesha, njengoko besesitshilo ngaphambili, uyakuvuma ukuhlawula inzala kunye nezinye iikhomishini. Landela ezi ngcebiso kwaye uya kufumana ikhadi letyala kwesona sixhobo silungileyo solawulo lwakho lwezemali.