Khangela ngaphambi kokuba uhambe
Ukuba i-credit yakho ikuvimbela ukuba ufumane umbolekiso, kungenzeka ukuba uboleka ngaphandle kokuthembela kwimbali yakho yemali. Nangona kunjalo, kufuneka uqaphele xa ungasebenzisi i-credit credit check loans. Ezi mboleko zibiza, kwaye ziqonda kuphela xa zonke ezinye iinketho ziphuma etafileni.
Ngaba Uyayifuna Ngempela?
Ngaphambi kokuba usebenzise umbolekiso wekhredithi yekhredithi, qiniseka ukuba yindlela efanelekileyo. Ikhredithi yakho ingaba yinto embi, kodwa isoloko isetyenziselwa ukwenza isicelo semveli yemveli (kunye neyona nto ingabonakaliyo).
Ukuba bathi hatshi, kulungile - unako ukujonga ezinye iinketho. Kodwa awukwazi ngokuqinisekileyo uze ucele.
Ukutyelela ibhanki yakho okanye umanyano wekredithi uze ubuze ukuba yeyiphi indlela oyikhethayo yokuboleka. Ukuba awuthengi imoto okanye ikhaya, uya kufuna imali ekhuselweyo . Ezi mboleko zivumela ukuba wenze nantoni na oyifunayo ngemali, kwaye inokunika ixesha elide lokuba uhlawule umboleko ngaphandle kwekhredithi yemboleko. Mhlawumbi kubaluleke kakhulu, baya kuza nexabiso elincinane kwinzala kunye nemirhumo-ke kuya kuba neendleko ezincinci ukuboleka. Kuninzi ngaphantsi. Imali evela kubalimi bendabuko inokukunceda ekwakheni i-credit, ngelixa kungekho ngxowa-mboleko mboleko mboleko.
Kubalulekile ukuqonda ukuba ababolekisi abangekho shishini ukulahlekelwa yimali. Ukuba nabani na ozimisele ukuboleka imali ngaphandle kokukhangela i-credit yakho, bayayenza ngentlawulo. Qinisekisa ukuba uyazi ukuba yintoni intlawulo ngaphambi kokuba usebenzise.
Baya kuthi bahlawule amaxabiso amanqanaba aphezulu kunye neentlawulo ezahlukahlukeneyo zokuzihlawula umngcipheko. Ukuba unako ukuphepha ukuhlawula loo mali, yenza njalo.
Ngokuqhelekileyo, kukulungele ukuphepha ingxowa-mboleko mboleko ngaphandle kokuba ungekho okhethekileyo. Akufanele asetyenziswe ukuthenga "ukufunwa" okanye ubunqabileyo - bahle kakhulu "kwiimfuno." Ukuba ufuna ukulungisa imoto yakho ukuze uqhubeke nokusebenza (kunye nokufumana ingeniso), enye yale mboleko ingenza ingqiqo.
Kuyafana nenkqubo yonyango ongenayo enye indlela yoxhasomali.
Iintlobo Zemivuzo
Akukho mboleko yemboleko yekhredithi ngokuqhelekileyo iitalente zexeshana ezifutshane ezenza ngokukhawuleza. Ezi ngokuqhelekileyo aziboleki imali oza kuhlawula ngayo iminyaka emininzi; iiveki ezimbalwa okanye iinyanga ziqhelekileyo. Bafana kakhulu neentlawulo zemali yokuhlawula imali , ezibiza ngeemali-mboleko ezifutshane . Enyanisweni, ezininzi iintengiso ezingabikho ngxowa-mboleko zemali-mboleko zinyani nje iintengiso kwiiprogram zemali-mboleko. Ababoleki abenzi izigqibo zokubolekisa ngokusekelwe kumanqaku akho . Kunoko, bajonge ingeniso yakho, kwaye bacinga ukuba uya kugcina umsebenzi wakho ixesha elide ukuhlawula imali.
Olunye uhlobo oluqhelekileyo lwemboleko mboleko ngumhlala-mboleko wexesha elide owufumanayo ngokufungisa umboleko . Imali mboleko yemoto, umzekelo, ukuvumela ukuba ubole kwixabiso lemoto yakho. Umboleki uyakunika imali, kodwa ngokutshintshisana uyabagunyaza ukuba bathathe isithuthi sakho ukuba ungeke uhlawule umboleko ngexesha . Le mboleko ingabangela ingxaki xa ufuna imoto yakho ukuya emsebenzini kwaye uqhubeke ufumana inzuzo.
Gwema u kutyhola
Ababoleki abakhangela ukuboleka ngaphandle kwemali yeengxowa baxakeke, ngoko ke abantu abanomdla ngokuqhelekileyo bafumana lula kule ndawo.
Izigameko eziqhelekileyo ziquka ukuhlawula iifizi ngelixa unganiki nto.
Imirhumo yesicelo ayifumanekanga, kodwa qaphela ababolekisi abafuna iimali-phambili-ungenakufumana oko uhlawulayo. Iimali kufuneka zichazwe ngokucacileyo ngaphambili. Ukuba ufumana "iimangalisa," qala ukukhathazeka. Ababolekisi abahloniphekileyo bakuxelela oko kufuneka ulindele, ngelixa u-scam abaculi bathatha nje oko banokukwazi ukukwenza. Naliphina iirhafu kufuneka zithathwe ngaphandle kwemali mboleko yakho emva kokuba umboleko wakho uvunyiwe.
Kufuneka uhlawule ingqalelo ukuba uluphi uhlobo lenkcazelo yakho obolekayo. Ngaba bafuna iNombolo yoKhuseleko lweNtlalo? Kutheni bafuna ukuba i-credit yakho ayinandaba na? Baya kugqiba ukuqhuba i-credit yakho (leyo ingayenza i-credit score scores) okanye isebenzise ulwazi ngolwazi lwebabi . Ukuba awukho u-100% oqinisekileyo ukuba ngubani ojongene naye, gcina iNombolo yoKhuseleko loLuntu kuwe.
Ukuba kuzandile kuntle ukuba kulungile, kudla ngoku. Gcina iliso kwizithembiso ezingathembekiyo: akukho mntu "unokuqinisekisa" nantoni na - ingakumbi ukuba akunjalo (kufuneka bakwazi izinto ezimbalwa ngawe ngaphambi kokuba anqume ukuba ingahlawulanga okanye angaboleki imali). Khumbula kwakhona ukuba ezi mboleko zihlala zibiza kuba ziyimali-mboleko yokuzenza. Ukuba awuboni ezinye iindleko eziphezulu ezibandakanyekayo ( inzala ephezulu, okanye imali ehlawulwa ngayo imali eya kukhishwa ngaphandle kwemali yakho mboleko), mhlawumbi awufumani yonke imifanekiso. Ukuboleka kwi-intanethi kukhuselekile , kodwa kuphela ngababolekisi abachazela ngokupheleleyo iindleko kunye nobungozi.
- I-FTC Isexwayiso kwiMali-mboleko ye-Advance
Yakha iNgxowa
Ukuze ugweme leentlobo zemboleko kwixesha elizayo, qalisa ukwakha isikweletu ngokukhawuleza. Ngolunye usuku uya kubaleka ngokuncinci kakhulu, kwaye uya kuba neenketho ezingaphezulu ezifumanekayo kuwe (njengemali-mboleko emide ixesha elide kunye nemigangatho ephezulu yesikweletu ) ukuba uyakha i-credit. Ukufumana ulwazi oluthe vetshe, jonga indlela yokwakha iNgxowa-mali .