Xa ibhanki ijika umntu ngenxa yemali mboleko okanye umgca wetyala, loo mntu unokubona iimali-mboleko ezimbi kunye ne-payday mboleko njengokukhanya ekupheleni kwetonela elide, elimnyama. Ababolekisi kaninzi abayikhathaleli kangako imbali yetyala, kwaye imali-mboleko kulula ukuyifumana. Oku kusenokubonakala kukuhle kakhulu ukuba kube yinyaniso, yaye ngamanye amaxesha kunjalo. Phambi kokufaka isicelo setyala elibi okanye imali mboleko yosuku lokuhlawula, kubalulekile ukwenza uphando lwakho kwaye uqonde ngqo ukuba ubhalisela ntoni.
Umdla uphezulu kakhulu
Ukuba ucinga ngemali-mboleko yosuku lokuhlawula okanye imali mboleko engalunganga ukuze ungene kwindawo exineneyo, kuyanyanzeleka ukuba ufumanise ukuba yeyiphi inzala oza kuyihlawula, kwaye idityaniswe njani. Ngokuqhelekileyo, izinga lenzala kwityala elibi kunye nemali-mboleko yosuku lokuhlawula liphindwe ngama-35 emali-mboleko yekhadi lokuthenga ngetyala kwaye ukuya kuthi ga kuma-80 ngaphezulu kwamaxabiso ezindlu. E-U.S., iinkampani mboleko zomhla wokuhlawula zinokubiza ukuya kuthi ga kwi-574% inzala ngonyaka.
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Inkqubo yokuVuma ikhawuleza
Kwimeko yonxunguphalo xa ufuna imali ngokukhawuleza, ityala elibi okanye iimali mboleko zomhla wokuhlawula zidla ngokuba yeyona ndlela ikhawulezayo yokufumana imali. Nangona iibhanki ezininzi zinokuthatha ixesha elide ukuya kwiiveki ezimbini ukubeka imali kwiakhawunti yakho, usuku lokuhlawula okanye umbolekisi wetyala ongalunganga uya kudla ngokufaka imali kwiakhawunti yakho kwangolo suku ufaka isicelo ngalo.
Umjikelo Kunzima Ukuwuqhawula
Uninzi lwetyala elibi kunye nemali-mboleko yosuku lwexesha elifutshane, kwaye xa ujongene nexabiso lenzala ephezulu, oko kushiya isixa esikhulu ukuba sihlawulwe kumbolekisi ngexesha elifutshane. Abantu abaninzi abasebenzisa ezi mboleko bazifumanisa sele befake izicelo zomnye ngokukhawuleza nje ukuba bahlawule umbolekisi wabo, njengoko kuye kwanyanzeleka ukuba bathumele imali ebilungiselelwe iindleko ezibalulekileyo zokuhlawula inzala. Uninzi lwababoleki eU.S. bachitha iinyanga ezintlanu zonyaka behlawula imali-mboleko yabo, kwaye ekugqibeleni, baye bahlawula ukuya kuthi ga kwi-800 yeedola kwimali-mboleko ye-300 yeedola. 
Ukuvunywa kulula
Ukuba ufuna ngenene imali ezinkozo kwaye awukwazi ukuvunywa yibhanki yemveli, ukufaka isicelo setyala elibi okanye imali mboleko yomhla wokuhlawula inokuba yeyona ndlela ifanelekileyo. Uninzi lwababolekisi betyala ababi bavuma phakathi kwe-80% kunye ne-95% yezicelo kwaye imbali yekhredithi ayidlali indima enkulu kwinkqubo yokwamkelwa.
Abaqhathi bakho kuyo yonke indawo
Uninzi lwababolekisi-mali abakhohlakeleyo basebenzisa isithembiso semali-mboleko engalunganga ukuze babe ngamaxhoba abantu abasesichengeni sabo. Abaqhankqalazi banokusebenzisa izicelo zomboleki ukuba babe isazisi okanye ulwazi lwekhadi letyala ngaphandle kokuboleka imali, okanye banokuqhubeka nokurhoxisa iintlawulo kwi-akhawunti yababoleki nasemva kokuba imali-mboleko ihlawulwe, ngethemba lokuba umboleki akayi kuqaphela. Kubalulekile xa ufaka isicelo setyala elibi okanye imali mboleko yomhla wokurhola ukuba wenze uphando lwakho kwinkampani kwaye ujonge ukureyithwa kweziko leshishini labo.
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Banokuphucula iTreyithingi yakho yeTyala
Kuxhomekeka kumbolekisi, ukubuyisela ityala elibi okanye imali mboleko yosuku lokuhlawula njengoko kuvunyelwene kunokunceda ukuphucula amanqaku akho. Nangona abanye ababolekisi bekhredithi ababi bengazichazi kwii-credit bureaus, abanye babonelela ngamalungiselelo emboleko eyilelwe ngokukodwa ukuphucula amanqaku akho amatyala kwaye banike ingxelo kwii-credit bureaus rhoqo. Xa ufaka isicelo, qiniseka ukuba ubuza umbolekisi wakho ukuba baya kuxela iintlawulo zakho na.
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IMigaqo yokuBuyiselwa kweMali mboleko yoSuku lwePay idla ngokuba Mifutshane
Ngemali-mboleko yosuku lokuhlawula, ababoleki bexesha kufuneka babuyisele ngokuqhelekileyo kuncinci. Xa ufaka isicelo semali-mboleko yosuku lokurhola, kubalulekile ukuba uqiniseke ukuba uyayiqonda imali ekufuneka uyihlawule umbolekisi ngosuku lwakho olulandelayo lokurhola. Emva koko, qinisekisa ukuba uya kuba nemali eyaneleyo ekhoyo yokuhlawula iindleko zakho zesiqhelo phezu kwentlawulo mboleko.
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Unako Ukuhlanganisa iTyala Lakho
Abanye ababolekisi betyala ababi bayakuvumela ukuba usebenzise imali-mboleko yakho ukuhlawula elinye ityala elingakhuselekanga njengamakhadi okuthenga ngetyala kunye nemigca yetyala. Oku kunokunceda ekuphuculeni kakhulu izinga lakho letyala kwaye kwenze kube lula ukuhlawula ityala lakho ngokwenza intlawulo enye nyanga nganye ngokuchaseneyo neentlawulo ezininzi kwiiakhawunti ezininzi.
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Ababolekisi abaguquguquki kakhulu
Nokuba uboleka kumbolekisi wetyala elibi okanye inkampani yemali mboleko yosuku lokuhlawula, unokucinga ukuba abayi kubonelela ngokuguquguquka okukhulu. Iindlela zakho zokuhlawula kunye neentsuku zokurhoxisa ziya kubekwa kakuhle ematyeni. Ngokuqhelekileyo, iintlawulo kufuneka zimiselwe njengokuhoxiswa ngokuzenzekelayo; Intlawulo ye-NSF iphumela kwiintlawulo ezininzi nezohlwayo okanye nokucinywa kwesivumelwano sakho semali-mboleko.
Iimali-mboleko ezimbi ngamanye amaxesha zibonelela ngeMigaqo yoBuyiselo eLide
Ngokuxhomekeke kumbolekisi, imali-mboleko engalunganga ngamanye amaxesha inika ixesha lokuhlawula unyaka ukuya kwemihlanu. Ababoleki kufuneka bayibuyise imali-mboleko ngezavenge ezincinci ngelixa umbolekisi echaza ukuthotyelwa kwabo kwiziko lamatyala. Iimali-mboleko ezingalunganga zinokunika ixesha lokuhlawula elongeziweyo; Kubalulekile ukukhumbula ukuba imali-mboleko yosuku kufuneka ihlawulwe ngokupheleleyo ngosuku olulandelayo lokurhola, nangona kunjalo.
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