Khangela Ingxelo Yemali Yemali Ukuchaneka
Ingxelo yakho yekhredithi iqulethe ubuninzi beenkcukacha malunga nembali yakho yezemali kunye nezenzo. Ukuba unayo iitaliti okanye i-akhawunti yeekhredithi, ezo akhawunti kunye nendlela ohlawula ngayo, zifakwe kwingxelo yakho yekhredithi. Kubalulekile ukuhlaziya ingxelo yakho yekhredithi ubuncinane kanye ngonyaka ukwenzela ukuba uyazi ukuba ngababoleki bakho bathetha ngani ngawe. Ukuqonda ingxelo yakho yengxelo inokudideka, ingakumbi ukuba uyayifunda okokuqala.
Nantsi ukuphazamiseka kweentlobo zolwazi oluqulethwe kwingxelo yakho.
IiNkcukacha zoBuntu kwiNgxelo yakho yeMali
Ulwazi oluqulethwe kwingxelo yakho lisetyenziselwa ukuchonga. Iqulethe ulwazi oluyisiseko olufana negama lakho, idilesi kunye nendawo yokuqeshwa. Iile dilesi kunye nomsebenzi wangaphambili zingabandakanywa.
Akuqhelekanga ukuba uguquke okanye ulahlekelwe igama lakho. Uninzi lwee-arhente zokubhengisa iitalenti zishiya le mihluko ukuze kugcinwe ikhonkco phakathi kobuni kunye nolwazi lwekhredithi. Ukuhlukahluka kwegama lakho kunye needesi zamandulo akuyi kuba buhlungu kumanqaku akho ekhredithi ngokude nje ngokuba yile nkcazelo yakho. Hlola eli candelo ukuze uqinisekise ukuba ulwazi lomntu siqu lukwazisa wena kunye nolunye umntu.
I-Summary Credit yakho
Icandelo lesishwankathelo lesikredenti kwingxelo yakho yekhredithi isishwankathela ulwazi malunga neentlobo ezahlukeneyo zeakhawunti. Eli candelo liluhlu inani elipheleleyo leakhawunti onayo kunye nemali.
Ikwahlula nenani lala ma-akhawunti kunye neengxelo ezikhohlisayo.
Kuya kubandakanya iindidi zeeakhawunti ezilandelayo:
- IiAkhawunti zeZindlu zangaphandle - Naliphi na imali ekhoyo .
- Iakhawunti eziPhakamileyo - Naliphi na ikhadi lekhredithi kunye nemigca yetyala .
- Iimali zeeNgcaciso - nayiphi na imali mboleko engahambelani ne-real estate, njengeemoto okanye iimali-mboleko zemfundo.
- Ezinye iiAkhawunti - Naziphi na iinkcukacha ezingekho phantsi kwezinye iindidi.
- Ii-Akhawunti zokuqokelela - Nayiphi na iakhawunti ezithunyelwe kwiiqokelelo.
Isishwankathelo sakho sekhredithi siya kufutshane nenani leakhawunti ozivulekileyo, ezivaliweyo, kwiirekhodi zoluntu, kunye nenani lemibuzo eyenziwe malunga nekhredithi yakho kwiminyaka emibili edlulileyo.
Umlando weAkhawunti
Icandelo lomlando weakhawunti yengxelo yakho yekhredithi iqulethe ubuninzi beenkcukacha. Eli candelo liquka nganye i-akhawunti yakho yekredithi kunye neenkcukacha malunga nendlela ohlawule ngayo.
Imbali yakho ye-akhawunti iya kuba neenkcukacha ezicacileyo, kodwa kubalulekile ukuba ufunde kuyo ukuze uqinisekise ukuba ulwazi lukwaziswa ngokuchanekileyo.
I-akhawunti nganye iya kubandakanya iinkcukacha eziliqela:
- Igama lomgcini weziko lokunika ulwazi.
- Inombolo yeAkhawunti ehambelana ne-akhawunti. Inombolo ye-akhawunti inokutsalwa okanye ifutshane ngenxa yobumfihlo.
- Uhlobo lwe-Akhawunti , okt iakhawunti eguqukayo, mboleko yemfundo, mboleko yemoto.
- Xanduva . Oku kubonisa ukuba unomntu ngamnye, odibeneyo, okanye ogunyazisiweyo umsebenzisi ophethe i-akhawunti.
- Intlawulo yenyanga yindleko encinane kufuneka uhlawule kwi-akhawunti nganye ngenyanga.
- Umhla uvulwe . Inyanga nonyaka i-akhawunti yasungulwa.
- Umhla ochaziweyo ngumhla wokugqibela umboleki-mali uhlaziye ulwazi lwe-akhawunti kunye ne-bureau ye-credit.
- Ukulingana . Imali ehlawulwayo kwi-akhawunti ngexesha leedata libikwe.
- Umlinganiselo wesikweletu okanye inani lemboleko .
- Ibhalansi ephakamileyo okanye ikhredithi ephakamileyo ngumlinganiselo ophezulu owake wahlawulwa kwikhadi lesikweletu. Iimali mboleko zemali ye-installment, ikhredithi ephakamileyo ngumyinge wokubolekwa kwangaphambili.
- Okudlulileyo ngenxa . Ixesha elidlulileyo ngenxa yexesha elibikwe ngedatha.
- Iingxelo zenziwa ngamagqwetha ngeakhawunti yakho.
- Imodi yokuhlawula . Ibonisa isimo se-akhawunti, okt okwangoku, ngokudlulileyo, ngenxa yokuhlawula. Nangona i-akhawunti yakho ikhoyo ngoku, ingaba neenkcukacha malunga nokugqithiswa kwangaphambili.
- Imbali yentlawulo . Ubonisa isimo sakho sokuhlawula rhoqo ngenyanga ukususela kwixesha lakho i-akhawunti yakho yasungulwa.
Iingxelo zokuqokelela zingabonakala njengenxalenye yomlando weakhawunti okanye kwicandelo elithile.
Lapho kubonakala khona kuxhomekeke kwinkampani enikezela ingxelo yakho yekhredithi.
IiRekhodi zikaRhulumente
Iirekhodi zoluntu ziquka ulwazi olufana ne- bankruptcies , izigwebo, izibambiso zerhafu , iirekhodi zentetho kunye nenkundla yenkundla, kwaye kwezinye iindawo, ukuxhaswa kwabantwana abangaphezulu kwexesha. Ngokuxhomekeke kuhlobo lwe-akhawunti, irekhodi kawonkewonke linokuhlala kwingxelo yakho yemali phakathi kwe-7-10 iminyaka.
Kukho nje ukuphazamiseka kwezezimali ezibonakalayo kweli candelo, kungekhona ukuboshwa kwecala okanye ukukholelwa. Ngenxa yokuba iingxelo zikawonkewonke zinokulimaza kakhulu i-credit yakho, kukulungele ukugcina eli candelo licacile.
Imibuzo yeNgxowa-mboleko
Uluhlu lwemibuzo yeengxowa uluhlu lwawo onke amaqela afake ingxelo kwingxelo yemboleko kwiminyaka emibini edlulileyo. Nangona iinguqu zakho zeengxelo zemboleko zibonisa uluhlu lweemali ezininzi zemali , akubona zonke ezi zivela kwiinguqu zababolekisi nababoleki.
- Imibuzo ethi "nzima" iboniswa kubalimi. Le mibuzo yenziwe xa umboleki-mali ehlola ingxelo yengxelo yemboleko ukuvuma isicelo sakho sekhredithi.
- Inguqu yakho iya kubandakanya nemibuzo "elula" enemibuzo eyenziwe ngababoleki ngeenjongo zokuphromotha.