Izikhangiso
Ukukhuphula umkhawulo wekhadi lesikweletu kuyisifiso esivamile kubasebenzisi abaningi. Ngomkhawulo omkhulu, unokuguquguquka okwengeziwe ekuthengeni nasezimo eziphuthumayo. Kodwa ungakuthola kanjani lokhu kukhuphuka? Okubalulekile ukuqonda ukuthi amabhange ahlola kanjani iphrofayela yakho yesikweletu. Acabangela izici eziningi, njengomlando wezinkokhelo, imali engenayo nokusetshenziswa kwekhadi. Ake sihlole amathiphu athile asebenzayo okukhuphula umkhawulo wakho wesikweletu.
Okokuqala, ukugcina umlando omuhle wezinkokhelo kubalulekile. Lokhu kusho ukukhokha izikweletu zakho ngesikhathi futhi, uma kungenzeka, uzikhokhe ngokugcwele. Amabhange abathatha kahle amakhasimende abonisa umthwalo wemfanelo wezezimali. Ngaphezu kwalokho, ukusebenzisa ikhadi lakho ikhadi njalo, kodwa ngokuqaphela, nakho kuyasiza. Lokhu kukhombisa ibhange ukuthi ungumsebenzisi osebenzayo, kodwa uyakwazi ukulawula izindleko zakho. Khumbula, inhloso ukukhombisa ukuthi ungakwazi ukuphatha umkhawulo omkhulu ngaphandle kwezinkinga.
Gcina idatha yakho ibuyekeziwe
ukugcina imininingwane yakho yemali engenayo ivuselelwe ebhange kubaluleke kakhulu ukuze ibhange likubheke kahle. Izikhathi eziningi, umkhawulo wakho we esikweletini kuncike emalini ibhange elikubhalisele yona. Uma iholo lakho lenyukile kusukela ekubuyekezweni kokugcina, yazisa ibhange lakho. Lokhu kungenziwa kalula ngohlelo lokusebenza noma iwebhusayithi yebhange. Iholo eliphakeme ngokuvamile liholela emkhawulweni wesikweletu ophakeme.
Sebenzisa amathuluzi ebhange ukwandisa umkhawulo wekhadi lesikweletu
Amabhange amaningi ahlinzeka ngamathuluzi okukusiza uqonde futhi uthuthukise iphrofayela yakho yesikweletu. Ngokwesibonelo, i-Itaú yethule i-“Perfil de Crédito”, isici esikuhlelo lwayo lokusebenza esivumela abasebenzisi ukuthi balandelele impilo yabo yezezimali. Leli thuluzi libonisa ulwazi ngezikweletu, umlando wezinkokhelo futhi livumela nokubuyekeza imininingwane yeholo. Ukusebenzisa la mathuluzi kungakunikeza ukuqonda okubalulekile mayelana nendlela yokuthuthukisa iphrofayela yakho yesikweletu futhi, ngenxa yalokho, wandise umkhawulo wakho.
