Umqondo ezikhanyisayo credit imikhawulo, ukubala indlela

ku ezezimali umthengi kanye credit card inkampani ekhadini, imisiwe uhlale "umkhawulo wesikweletu". Phezu kokuthola imalimboleko idlula umkhawulo wesikweletu, kuze kunciphisa ibhalansi etholakala inkokhelo elandelayo futhi okwalandela, ngeke ukwazi ukuthola imali-mboleko entsha.

 

 

 

Ngaphezu kwalokho, esimweni lapho indlela yokukhokha credit ezijikelezayo, uzobe isethwe ukuba 'ophendukayo umkhawulo wesikweletu ". Lokhu usekelwa ezikhanyisayo isikweletu, libhekisela lemali imali. Inani kuncike ikhadi, kodwa uma kukhona ngisho noma ilingana umkhawulo wesikweletu, futhi kubonakala ezimweni ezikhanyisayo umkhawulo wesikweletu Ilungiselelwe njengengxenye uzimele kwangaphakathi.
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umkhawulo wesikweletu futhi ezikhanyisayo umkhawulo wesikweletu inani elifanayo, ungenalo kangaka ongahlabeki nge loan uma ubeke umkhawulo wesikweletu ekhanda lakho. Nokho, lapho ezikhanyisayo umkhawulo wesikweletu saba sesimweni kwangaphakathi imisiwe, uzijwayeze umkhawulo wesikweletu futhi credit ezijikelezayo umkhawulo, ngokulandelana, kumelwe uqaphele esele.

 

inkomba | ezikhanyisayo ikhredithi credit card
inkomba | is ezifana ezikhanyisayo credit umsebenzi nge-credit card

 

silinganisela ngamunye imininingwane inkonzo ikhadi, sicela uhlole ikhasi ngenhla. ukubukeka

 

Ase at isibonelo esikhethekile umkhawulo wesikweletu futhi ezikhanyisayo umkhawulo wesikweletu
isibonelo, ukusebenzisa umkhawulo 500,000 yen, uzivumele futhi abe ikhadi lowo mkhawulo ribonucleic 300,000 yen. Kulokhu, "kungenzeka ukuthola i loan lungene 500,000 yen ikhadi olulodwa, kuze 300,000 yen ukubahumushela udumo ezikhanyisayo" Uyobizwa ngokuthi.

 

3 yen inkokhelo yesikhathi esisodwa ngenyanga eyodwa nale ikhadi, lapho sithenga izinto 5,000 yen credit ezijikelezayo, umkhawulo wesikweletu kuyoba "500,000 yen -3 yen -5.000 yen = 465.000 yen". Ngokuphambene, ezikhanyisayo umkhawulo wesikweletu kuyinto "300,000 yen -5.000 yen = 295, Wenza yen 000 ". ukuba zazisadinga

 

Ikakhulu, isikhathi okwakungathi idlule ezikhanyisayo umkhawulo wesikweletu. Ngaso sonke isikhathi ezichazwe nezincwajana Iwebhusayithi lenkampani ikhadi kodwa, ezimweni eziningi imali okweqa ezikhanyisayo umkhawulo wesikweletu, uzobe "amangalelwe isamba semali enyangeni elandelayo."

 

uqhubeke ukusebenzisa credit ezikhanyisayo ngaphandle kokubheka ukuthi iphuzu, ake ukulingana ezikhanyisayo ukutusa isibonelo ngenhla ukuthi enziwe "yen 320.000". Sonaruto, ngaphezu sokukhokhwa credit evamile ezijikelezayo, asizange Kulindeleke ngenyanga ezayo "20,000 yen ribonucleic umkhawulo ngokweqile" lizokhokhiswa.

 

Ngakho-ke, ukusizakala ikhadi kuhlelwe, yibambe esele cishe ezibalulekile. Njengoba udumo ezikhanyisayo uthambekela kakhulu ukuwela isimo, njengokuthi "Angimazi ukuthi usebenzisa engakanani emva zonke", funda sokunqophisa inyanga ngayinye, kuyoba kubalulekile ukuthi njalo wazi ibhalansi at the stage of ukusetshenziswa.