Ngokuxhomekeke kwindlela izinto ezihamba ngayo, ukubhalisa ngokubambisene nalo mboleko kungakunceda okanye kulimaze izikolo zakho zemali. Ewe, into eyona nto enokuthi yenzeke yenzeke emva kwexesha (okanye ephosakeleyo) iintlawulo zemboleko oyibolekisileyo.
Iingxelo Zemali Yakho
Xa usayina, loo mboleko kufuneka ibonakale kwiingxelo zekredithi. Emva kwakho konke, ungo-100% uxanduva lokubuyisela imali-mboleko - nje ngomntu oncedisayo-nokuba ngaba awuhlose ukwenza nayiphi na intlawulo. Iingxelo zetyala zinceda abanini-mboleko baqonde ukuba unako ukuhlawulwa njani, kwaye kunokwenzeka ukuba kuya kufuneka uhlawule nayiphi na imali mboleko oyibhalisela kuyo (umboleki unokuthi abe noxanduva, kodwa izinto zenzeke - ukulahleka kwemisebenzi, iintlekele zemvelo, kunye neengozi zemizi zingaphatha umntu obolekayo ukuba abuyisele).
Lo mthwalo onokuba netyala ungenza kube nzima ukuboleka.
Amanqaku okuthenga ngetyala ahlola amanqaku amaninzi, kwaye amanqaku akho aya kuthinteka xa usayina. Umzekelo, i-Akhawunti ehlawulwayo kwi- FICO yakho yamanqaku okuthenga ngetyala- eyenza u-30% wamanqaku akho-ujonge:
- Ingakanani ubolekayo (iyonke)
- Ingakanani inkokhelo yakho ekhoyo okwangoku usebenzisa (ezantsi ezingcono)
- Zingaphi iakhawunti onayo nezilinganiso (ezininzi iimali-mboleko zekhadi lesikweletu zingabonakala zibi)
- Ingakanani imboleko yemali yesitolimende isasetyala (iimboleko ezintsha zemali ziza kuba nezikali eziphezulu)
Ukunyinwa kwamanyathelo kuzo kuchaphazela zonke ezo zinto - kungekhona ngendlela efanelekileyo. Ukuba unetyala lesisiseko (umzekelo, unomlinganiselo we-FICO ngaphaya kwe-800 kwaye uneminyaka engama-krediti efanelekileyo), umphumo unokuba mncinane.
Kodwa ukuba unayo "ityala elincinci" okanye awuzange ube ne-credit, uya kufuna ukunyamekela. Oko kwathiwa, ukutyikityina ngemali mboleko kunokukunceda Ukwakha ikhredithi yakho - jonga ngezantsi.
Akunakwenzeka ukuboleka emva kokuba usayinwe, kodwa unciphisa amandla akho okuboleka. Ababolekisi bavavanya ukuba ngaba uza kubuyiselwa njani ngokusekelwe kwizinto eziliqela ngokubhekisele kumanqaku akho ekhredithi. Ngokomzekelo, bajonga ukuba ingakanani imali yakho yenyanga engenayo ifumaneka ukuhlawula iimali-mboleko ezintsha ( ityala lakho kwinani lentlawulo ). Imboleko oyifakile kuyo izokunciphisa imbono yomboleki imali enokuyenza ngayo.
Iindaba Ezilungileyo
Kwibala eliqaqambileyo, ukubhalisela imali ngemali mboleko kunokukunceda uphucule ikhredithi yakho. Oku kuyinyaniso ukuba awuzange usebenzise i-credit kwixesha elidlulileyo okanye unezinto ezimbalwa ezibi kwiimbali zakho zemali.
Xa iimali-mboleko zihlawulwa ngexesha, i-credit yakho iyathuthuka. Ukudibaniswa kunye (kunye noxanduva) umboleko ohlawulwa ngokuphumelelayo unokukunceda kuphela. Nangona kunjalo, ukuba kukho nayiphi na intlawulo emva kwexesha-okanye ukuba wena kunye nomnye umntu obolekayo ongekho emalini-mboleko- uya kuhlawula ixabiso njengokuba unembopheleleko kuphela yemboleko.
Enye indlela yokubhalisa ngokubhaliweyo kukunceda ukwakha i-credit kwi-Credit Mix udidi lwe-FICO yakho.
Nangona eli candelo lenza u-10% wamanqaku akho, yonke inqaku linceda. Udidi lweMali yokuThengisa lubheka ukuba uluphi uhlobo lwemali-mboleko oyisebenzisileyo. Ukuba uboleka kuphela ngamakhadi-mboleko (okanye ubhalisele i-akhawunti yamakhadi-krediti), awuyi kuphucuka kakhulu. Kodwa ukuba unxulumene nezinye iimboleko zemali mboleko njengemali mboleko yemali kunye nemali mboleko yasekhaya, uya kuphucula umxube weeakhawunti kwiingxelo zakho zekhredithi - kwaye into enhle.
Into Ebaluleke Kakhulu
Enoba ukukhathazeka kwakho malunga nokuphepha umonakalo kumanqaku akho okanye ukuphucula i-credit yakho, into ebalulekileyo kukuba zonke iintlawulo zenziwa ngexesha. Ukuba unobhaliselwano-mali, le nto ibhizinisi lakho (kunye neengxaki xa kungenzeki). Ukuhlawulwa kwexesha elizayo kuya kutshabalalisa i-credit card kwaye kubambezeleke kakhulu nayiphi na impumelelo onayo kunye nekhredithi yokwakha.