Idepho yasekhaya ibonelela ngamakhadi etyala kubo bobabini abantu nakumashishini ngokusebenzisa iZiko lamaTyala. La makhadi etyala enza ukuba ukuxhasa ngemali iiprojekthi ezincinci nezikhulu zibe lula kwaye zifikeleleke.
Ikhadi laMatyala labaThengi beKhaya
Ikhadi lokuthenga ngetyala lasekhaya eDepho linokusetyenziselwa ukuthenga nokugcina kwi-Intanethi. Inika izikhuthazi ezigqwesileyo, ezinje ngokungabikho kwenzala kwaye akukho ntlawulo ngenxa yeenyanga ezintandathu kuyo nayiphi na into ethengwe ngaphezulu kwe- $ 299, nangona inzala izakufunyanwa ukuba ibhalansi ayihlawulwanga ngokupheleleyo ukuphela kwexesha lokunyusa. Iipesenti zonyaka ziqala ukusuka kwi-17.99 ukuya kwi-26.99%, kuxhomekeke kubungakanani bemboleko yekhredithi yomenzi-sicelo.
ungayiqokelela intswela ngqesho ukuba uyarhoxaAmanqaku afanelekileyo
- Ezona ndlela zibalaseleyo zokuDibanisa amatyala ekhadi letyala
- Iindlela ezintlanu zokufumana amanqaku amahle okuthenga ngetyala
- Ukuqonda iNqaku leNgxelo yeTyala
Izibonelelo
UKimberly Rotter ovela Ikhadi letyala ngaphakathi amanqaku kuphononongo lwamva nje lokuba intshayelelo inomdla kuba ikuvumela ukuba 'usasaze inkcitho kuhlahlo-lwabiwo mali lweenyanga ezintandathu.' Ezinye izinto zibandakanya:
- Akukho mrhumo wonyaka
- Ulawulo lweakhawunti kwi-Intanethi
- Intlawulo ye-elektroniki
- Ixesha leentsuku ezingama-25 zobabalo
Iingxaki
Ngelishwa, abavavanyi abavela Umgxeki weKhadi letyala musa ukucebisa ukuba ufumane eli khadi lamatyala ngenxa yenkonzo engalunganga yabathengi abayifumeneyo xa kuvela ukungangqinelani kweakhawunti.
Abanini bamakhadi abaninzi bebengonelisekanga ngamakhadi okuthenga ngetyala ngenxa yendlela engacwangciswanga apho iiakhawunti zabo ziye zacinywa ngaphandle kwazo naziphi na izilumkiso, njengoko kuchaziwe kuphononongo Ityala leKarma . Abanye abathengi bade balahlwa ngetyala emva kokuba amakhadi abo erhoxisiwe emva kokuba bekwimeko yokulala ixesha elide, nangona iakhawunti yabo ibime kakuhle.
Indlela yokufaka isicelo
Ukufaka isicelo seKhadi letyala leKhadi labaThengi baseKhaya:
- Gcwalisa i isicelo online
- Ndwendwela elikufutshane indawo yokuthengisa
- Tsalela umnxeba ku-1-866-875-5488
Uninzi lwabafakizicelo bafumana isigqibo sekhredithi kwangoko.
Iinketho zoRhwebo
Amakhadi okuthenga ngetyala enzelwe ukusetyenziswa kweshishini, kwaye iikontraki zihlala zikhetha ukuvula iiakhawunti kunye neKhaya Depot kuba zivumela abanini bamashishini ukuba balandele intlawulo ngomsebenzi. Zimbini iindlela onokukhetha kuzo kwezorhwebo: (1) Ikhadi leNtlawulo eliHlawula iDepho yaseKhaya kunye (2) neAkhawunti yoRhwebo eDepho yaseKhaya. Umahluko kuphela phakathi kwamakhadi amabini kukuguquguquka kweendlela zokuhlawula. Imali eseleyo eseleyo yekhadi lokuhlawulisa elijikelezayo inokuhlawulwa kwisithuba sexesha okanye ikhutshwe ngokupheleleyo inyanga nenyanga. Kwelinye icala, iakhawunti yorhwebo ifuna ukuba ibhalansi ihlawulwe ngokupheleleyo kwinyanga nganye.
zingaphi iikhabho ezikwiwayini ebomvu
Izibonelelo
Umsebenzi weakhawunti unokulawulwa kwi-Intanethi, kwaye akukho mrhumo wonyaka. Ezinye izibonelelo zibandakanya:
- Amakhadi etyala asimahla kubo bonke abasebenzi
- Uxanduva lweZero lokuthenga ngobuqhetseba okanye okungagunyaziswanga
- Ukulandela umkhondo wentengo elula
- Iinkcazo ezithe vetshe zenyanga
Iingxaki
Ezi akhawunti azinakho ukuba bhetyebhetye kwamakhadi okuthenga ngetyala emveli, njengoko enokusetyenziselwa kuphela ukuthenga kwiDepho yasekhaya.
UMichael Pruser osuka Thelekisa iWallet Ucacisile kuphononongo lwakutsha nje lokuba i-APR kwi-akhawunti eguqukayo ithe kratya okoko 'ushicilelo oluncinci luthi uninzi lwabantu abafaka izicelo bafumana inqanaba elingu-25.99%' kuzo zonke izinto ezithengiweyo, ngaphandle kwezo zenziwe ngexesha ixesha lokwazisa elingaphezulu kweedola ezingama-299.
Indlela yokufaka isicelo
Ukufaka isicelo sekhadi:
- Gcwalisa isicelo se-Intanethi seDepho yaseKhaya Iakhawunti yoRhwebo okanye Ukujikeleza kweKhadi leNtlawulo
- Ndwendwela indawo ekufutshane nawe yokuthengisa
- Tsalela umnxeba ku-1-866-875-5489
Ulawulo olunoxanduva lwamatyala
Njengalo naliphi na ikhadi lekhredithi, ulawulo olunoxanduva lokuthenga ngetyala sisitshixo sokuthintela ukuhlawuliswa kwemali kunye nezohlwayo. Ngelixa ikhadi lekhredithi elivela kwiKhaya eDepho linokubonelela ngenkuthazo enkulu yokuthenga okukhulu, abanini bamakhadi kufuneka bakulumkele ukugqitha kuhlahlo-lwabiwo mali.
Imirhumo yasemva kwexesha kuhlobo ngalunye lwentambo yetyala iyahluka ngokwibhalansi yamakhadi xa iyonke, kwaye amaxabiso enzala anokunyuswa kubathengi abangaphumeleliyo ukuhlawula ibhalansi yabo ngexesha.
Luluphi ukhetho olukufaneleyo?
Ngaphambi kokukhetha ikhredithi kule venkile ithandwayo yokuphucula amakhaya, abathengi abanomdla kufuneka bathethe nomcebisi ngetyala kwaye baphonononge ngononophelo imigaqo kunye neemeko zesithembiso ngasinye ukumisela ukuba yeyiphi iakhawunti evela kwiKhaya Depot elungele iimfuno zabo ngaphandle kokubangela iingxaki kumatyala kamva. .
