Ikakhulukazi credit cards. Uyini isikhathi somusa nokuthi ukufunda ukuyisebenzisa kahle?

Isibalo amakhadi kungenzeka ekhukhwini izakhamuzi zethu iye kokukhulumela phezulu njengoba abolekise imali kakade wajabulela ingasaphathwa ethandwa kunangaphambili. ababoleka abaningi kwadingeka ukuba uqinisekise ukuthi, naphezu kwalezi ziqinisekiso yokukhangisa amabhange, lo mkhiqizo loan ngempela eqolo.

Credit card namuhla zingabangane ithuluzi ethandwa kakhulu, kodwa ngezezimali seningi baseRussia namanje uhlala aphansi kakhulu. Ngisho nge "plastic", ababoleka abaningi abazi ukuthi isikhathi somusa futhi kanjani ukuyisebenzisa ngendlela efanele.

Izici amakhadi ahlukene

Ukuxuba welithi "plastic" futhi "credit" ikhadi, abanye bengawugubhi ukuhlukanisa phakathi kulezi zikhathi zihlukile imikhiqizo yasebhange. Phakathi naleso sikhathi, akuzona zonke "plastic" kuyinto ikhadi lesikweletu.

Empeleni, noma yimuphi ikhadi nje ithuluzi ukufinyelela i-akhawunti yasebhange. Kungakhathaliseki ukuthi i-akhawunti zinhlobo ikhadi ixhunyaniswe, ziyokhinyabezeka, ke izobalwa noma ezikweletu.

I-Debit (kulinganiselwa) ikhadi umane ikuvumela ukukhokhela izimpahla ngaphakathi ibhalansi imali yabo ukuze umnini wayo. Credit Card futhi ivumela umnikazi walo ukuze uthole ukufinyelela hhayi kuphela imali siqu, kodwa futhi ukuze loan, okuyinto ibhange inikeza umboleki.

Umusa-isikhathi umqondo

Noma yimuphi kokunikezwa isikweletu ngesisekelo wokuphuthuma lokukhokha, ngakho ukusetshenziswa imali njalo uye imali emba libalwa. Nciphisa noma gwema ngokuphelele ke uyivumele likhokhele amakhadi grace period.

Ukunquma ukusizakala leli khadi, obolekayo ngamunye kumelwe ufunde imithetho yawo ukuyisebenzisa ukuze kukhishwe inzuzo egcwele ekhona instrument yezimali. Izici mshini izinzuzo kubekiwe inkontileka yasebhange. Ngemva kokutadisha amaphuzu akhe, ungakwazi ukuqonda ukuthi umusa-isikhathi.

Eqinisweni, limelela esithile ngesikhathi lapho ukwelashwa ngesikweletu oyithandayo, okuyilezi: ungasebenzisa izimali ezibolekwe ngaphandle lokukhokha noma ukukhokhela kubo ngesaphulelo. Isimo main lapha sekuba Iqiniso ulindele ukubuyiselwa yona iphelele yesikweletu ngaphambi kokuphela kwalesi sikhathi.

Izinzuzo abolekise concessional

Ukubolekwa kwemali nge esinhle Kuyinto elula kakhulu, isibonelo ezimweni yomholo ukubambezeleka noma ukushayisana kwemali engenayo. Nokho, indlela eya Ukukhetha kwabo kanye nomklamo kufanele niqaphele kakhulu ngoba kukhona ingozi hhayi ukuba sihlangane eyabelwe kuwe izinsuku umusa.

Uma ukukhokha ngokugcwele kuze kube sekupheleni kwesikhathi esihle ngeke isebenze, sizoba sokumukisa inzalo ezokwenza kusetshenzelwe phezu isamba semali waboleka. Kulokhu, Kubiza wokuboleka may unpleasantly ukumangala umboleki unsophisticated. Ngakho kufanele ucabangele ngokucophelela inani zenzalo, kanye izici ukubala isikhathi somusa, ngaphambi ngokubeka isignesha yakhe nesivumelwano sokubolekwa.

Izici sibalo

Isikhathi kwemali kungaba sengathi nalesebentisa abe overdraft credit card. Ukuze uzwisise ukuthi yini umusa-inkathi esimweni ngasinye kunzima ngempela. Ngemva kwesimiso ezahlukene zokuthenga ngesikweletu kuhluke izindlela zayo kubala inani imisebenzi ehambisana flow yayo. Ngaphezu kwalokho, ubude isikhathi somusa is engabulawa isilungisiwe. Ngo amabhange ehlukile, kuhluka 1 2 izinyanga. Iningi evame ukusetshenziswa isikhawu izinsuku 50-55 of.

Umehluko wemisindo nemiqondo yamagama ukusebenzisa amakhadi nge isikhathi somusa

Ngokuqoqa ulwazi mayelana ukuthi umusa-isikhathi, banake ezinye izici ngendlela ebaluleke kakhulu. Okokuqala, it is ngokuvamile usebenza kuphela non-cash ukuthengiselana, ezifana ikhadi benkokhelo izimpahla noma amasevisi e ezohwebo kanye service amabhizinisi.

Ukuba ikhadi grace period, ungaqala ukusebenzisa ngokushesha, kodwa kumelwe kukhunjulwe ukuthi ahlinzwe kuqala Kwenziwa esebenzisa ekhethekile isikhathi ukuvulwa sokusebenza yayo. Abantu abaningi kule ukhohlwe ukuthi ukuhoxa imali ATM - liphinde yemisebenzi yasebhange, futhi hhayi ziyancipha.

Izinhlobo zomusa

Umbuzo ka ukuqala lapho kuqala umusa-isikhathi, kuyinto kubenzima ukuqonda. Ukuze siphendule lo mbuzo kubalulekile ukufunda inqubo ekubaleni isikhathi entshisakalweni khulula lesikweletu, esetshenziswa ngamabhange. Naphezu kwazo zonke lezo ezihlukahlukene izinhlelo loan kwimikhiqizo ikhadi, zikhona 2 izinhlobo ezinkulu zomusa:

• Ngayinye kuthengiselana elakhiwe (credit tranche). Lezi zindlela zikholelwa ekutheni esikhathini esiyizinsuku besikhathi obucacisiwe (grace period) emva kuthengiselana bengenandaba icala. Bona izobalwa futhi icala yibhange kuphela ngemva kokuba inkokhelo yesikweletu okuholela.
• On iqoqo okwenziwe e sekubika. Khona-ke, ukusebenzisa ngokugcwele kwesikhathi somusa kuyodingeka ukhokhe izikweletu kwaze kwaba usuku wokugubha ukuphela kwesikhathi. Isikhathi iba inani lefonti, esiphezulu okwenziwe ekuqaleni, futhi okungenani - ukuze athunyelwe yakamuva.

Eqinisweni, ikhadi ne grace period kuyinto ukhululekile kakhulu futhi 'eziphambili "umkhiqizo sezimali kwenza ukuthi indlela efanele ukuboleka imali ebhange ngesikhathi izimiso kunenzuzo kakhulu. Okuwukuphela isimo ezidingekile abolekise concessional kuyinto ngokuphelele kwezimali isiyalo ababoleka. Kufanele siqonde ngokucacile zonke izici ukhetho akhethiwe wokuboleka, ukulandelela ngokucophelela zonke imali bese ugcine irekhodi indlela aqikelele ukuthi ukwesulwa, futhi zifakwe ku ikhadi lemali.