Kutheni ufuna iNgxowa-mali
Ukuba awunayo imbali yemboleko, akukho mntu uyazi ukuba ngaba ubuyisele imali mboleko kwixesha elidlulileyo, kwaye ababolekisi bavame ukungabaza ngokuboleka aboboleki abatsha (okanye abo bawile kwiimeko ezinzima ngoku kutshanje).
Ikhredithi enhle inokunceda kwiindawo ezininzi.
Ukuboleka: Ukusetyenziswa okuqhelekileyo kwintengo yemboleko kukuvunyelwa kwemboleko. Xa ufaka isicelo semboleko, ababolekisi bajonga ngokukodwa imbali yakho yokuboleka kunye nemali engenayo ekhoyo ukuhlawula mboleko . Ukuba ungumboleki onamava kunye nembali eqinileyo yokuhlawula ngexesha, kulula ukufumana imvume. Emva kwexesha, unokufumana imvume yokubolekwa kwemali-mboleko emikhulu , kubandakanywa nemali-mboleko yasekhaya.
Ukuqeshisa: Ikhredithi efanelekileyo inokukunceda xa uqesha indlu okanye indlu. Abanikazi bokuhlala bengakwazi, ngoko basebenzisa amanqaku ekhredithi njengendlela yokuvavanya njengendwendwe. Le nto ayisoloko ichanekileyo, kodwa abanye abanikazi bempahla babeka ukholo oluninzi kulawo manqaku, ngoko ulunge kunye nekhredithi enhle (okanye ubuncinane ukungabi nezinto ezimbi kwiimbali zakho zemali). Abanye abanikazi bezindlu basebenzise amanqaku athile bajonga ngaphezu kweembali zakho zokuboleka kunye neirekhodi zoluntu ezibandakanyiweyo kwizikolo eziqhelekileyo .
Ukufaka izicelo: I- Credit inokuchaphazela nokukwazi kwakho ukufumana umsebenzi. Kwiindawo ezininzi, i-credit yakho ayiyona nto. Kodwa ukuba ufuna ukuphatha imali okanye ukusebenza kwiiprojekthi ezikhuselekileyo, i-credit card ingakonakalisa amathuba akho okufumana.
Amanqaku e-inshurensi: Xa uthengisa i-inshurensi yemoto, i-credit yakho inokuchaphazela ukukwazi ukuthenga kunye neerhafu ozihlawulayo.
Njengoko ngokuqeshisa, akukho ukulandelana ngqo phakathi kwekhredithi yakho nokuziphatha kwakho kokuqhuba, kodwa izikolo ezibanjisense ziyinyani .
Ngubani Ofuna Ukwenza Iimboleko?
Ukuze uhlale kwilizwe langoku eliqhelekileyo, udinga inkokhelo. Ngokuqinisekileyo, ungaphila ngaphandle kwamanqaku ekhredithi, kodwa izinto ezithile ziya kuba nzima , kwaye ukuba utshintshe ingqondo yakho ngolunye usuku, kuya kufuneka uqale ekuqaleni. Akukho mfuneko yokuboleka ngokungenangqondo okanye ukuhlawula inzala engaphezulu kunokuba uyifunayo - ityala kunye nokuboleka zixhobo nje kuphela ezikhoyo ukuba usebenzise xa zifanelekileyo.
Akukho mvelaphi: Ukuba awuzange ubolekelwe ngaphambili, okanye i-mboleko yakho yangaphambili ayikho kwifayile kunye nee-arhente ezinkulu zokubhengisa ngetyala, kufuneka uqalise imbali yemboleko. Oku kunokwenzeka ukuba:
- Awuzange ubolekelwe ngaphambili (nokuba uselula okanye uphephe nje ityala).
- Utshanje u-United States.
Izinto ezingekho phantsi kwimbali yakho: Ukuba uboleke kwixesha elidlulileyo-kodwa ukulahlekelwa iintlawulo okanye ukungahlawulwanga ngemali-mboleko - unokuphucula ikhredithi yakho usebenzisa iindlela ezifanayo njengomntu oqalayo. Iingxelo zokuqokelela, ukuchithwa, kunye nokutshatyalaliswa konke kunokutshatyalaliswa. Inqakrazo ukuqala ukwakha kwakhona kwaye ungeze izinto ezintle ekugqibeleni zigqithise ezo zinto ezimbi.
Indlela yokwakha iMboleko
Ukuseka umlando weebredari oya kubakhokelela kubalimi nakwabanye, uya kufuneka uboleke imali kwaye wenze zonke iintlawulo zakho ngexesha. Yinto elula, kodwa akunjalo lula. Ngokuqinisekileyo unokubona ukuphucula ngexesha elifutshane, kodwa utshintsho olubalulekileyo kuthatha ixesha.
Ezi zicwangciso ezingezantsi ziya kukunceda ufumane ukukhawuleza kwexesha elide kwaye umise umlando wesikweletu oqinileyo oza kukukhonza ubomi bakho bonke. Akudingeki ukuba uhambisane nale ndlela, kodwa iindlela ezilula zibhalwe kuqala, ingakumbi ukuba ungowakho (ngaphandle kwabazali okanye nabanye abancedisayo). Ngokuxhomekeke kwiimfuno zakho kunye nezibonelelo zakho, ezinye zezi zikhethi kungenzeka ukuba zilungele kakuhle.
Naliphi na indlela oyisebenzisayo, kubalulekile ukuba umboleki wakho ubike ingxelo yakho kwimisebenzi emithathu enkulu yemali-mboleko .
Ukuba azinjalo, awuyi kuphucula ikhredithi yakho. Buza umnini-mboleko wakho ukuba baxelele i-credit bureaus ngaphambi kokuboleka, kwaye uqinisekise ngokujonga iingxelo zekredithi emva kweentsuku ezingama-30.
Imali-mboleko ekhutshwe ngemali: Enye yeebhanki ezilula ukufumana imvume mboleko oye wahlawulwa. Ngemali ebolekisiweyo yemali , uboleka ngemali onayo kwi-akhawunti yokugcina okanye isitifiketi se-deposit (CD) ebhankini yakho okanye kwimanyano yekhredithi. Ngenxa yoko, umnini-mboleko uthatha ingozi enkulu - banokuthi bathathe imali xa ungaphumeleli ukuhlawula iintlawulo - kwaye kulula ukufumana imvume. Ngokomzekelo, unakho ukufaka i-$ 500 ebhankini yakho, kwaye uya kufumana i-$ 500. Unokwenza iintlawulo ezincinane zenyanga ngenyanga mboleko, kwaye ngokuhamba kwesikhathi i-credit yakho iya kuphucula. Ezi mboleko zihamba ngamagama ahlukeneyo, kuquka ukubolekwa kwemali-mboleko.
Amakhadi ekhredithi aqinisekileyo : Uhlobo oluthile lwemali-mboleko eqinisekisiwe, ikhadi elikwimali-mboleko elinikeziweyo likuvumela ukuba uboleke ngemali oyifakile kunye nomboleki. Ukwahlula kukuba uza kufumana ikhadi leplastiki yokuhlawulwa onokuyisebenzisa kumntu okanye kumthengi we-intanethi. Unako kwakhona ukugcina ibhalansi yakho mboleko kwi-zero (akudingeki ukuba ugcine umlinganiselo kumakhadi), oku kunceda ukunciphisa iindleko zomdla. Qaphela ukuba ikhadi lekhredithi elikhuselekile alikho into efanayo nekhadi lokubhadela .
Uncedo oluvela kumqhagamshelanisi: Umququzeleli ngumntu obonisa isicelo sakho semali mboleko kunye kwaye unokukunceda ukuba uvumeleke. Umququzeleli kufuneka abe nekhredithi enhle kunye nenkokhelo eyaneleyo yokufumana imboleko ngenxa yokuba ngokuqinisekileyo iyakwamkelwa (nangona imali yokubolekwa kwemali iya kuya kuwe). Ukuba nabani na ozimisele ukwenza oku kuwe, loo mboleko izakukunceda ukuba ubeke isikweletu xa usenza zonke iintlawulo ngexesha. Ukubambisana kukuthandwa kakhulu, kwaye kuyingozi. Ukuba uhluleka ukwenza iintlawulo, u-cosigner ungama-100 ekhulwini onoxanduva lokubuyisela imali mboleko, nangona unayo yonke imali.
Umsebenzisi ogunyazisiweyo: Ukuba umntu sele sele evule iakhawunti yekhredithi, anokukufaka njengomsebenzisi ogunyazisiweyo. Uza kufumana ikhadi eliprintwe egameni lakho, kwaye uza kuba nekhono lokusebenzisa ikhadi ukuthenga. Nangona kunjalo, awukho uxanduva lokubuyisela mboleko.
Iinkqubo zabaRhengisi: Endaweni yokuboleka ngqo kwiibhanki kunye neemanyano zemali-mboleko, unako ukuboleka ngokusebenzisa abathengisi, ababole imali mboleko ngokusebenzisa iinkampani zezimali okanye iibhanki. Mhlawumbi uye wambona ukunikezelwa ukuthenga iimpahla kwiplani yokuhlawulwa yenyanga okanye " efanayo nemali ," kwaye ezo nkqubo zinokukunceda ukwakha isikweletu. Kuyafana namakhadi akhutshwe izitishi kunye nezitishi zegesi. Kungaba lula ukufumana ilungelo lokufumana amakhredithi asemgangathweni, kodwa kufuneka uqiniseke ukuba umsebenzi wokubolekisa imali uza kuxelwa kwi-credit bureaus. Qiniseka ukuba uhlawule ngokukhawuleza ukulinganisela kwakho. Musa ukubanjwa kwisicupho sokuhlawula iintlawulo ezincinci okanye uza kugqiba ukuhlawula ngaphezu kwayo yonke into oyithengayo.
Imboleko mboleko: Unokuthi ufake isicelo sokuthi "isayinwe" okanye iimali-mboleko zakho kwi-bhanki yakho okanye kwimanyano yemboleko . Ukusebenzisa i- mboleko engakhuselekanga kukunceda uhambe ngaphaya kwamakhadi- mboleko kunye neemboleko ezivela kubathengisi. Esikhundleni sokuhlawula njengoko uhlawulayo, uya kuhlawula rhoqo ngenyanga (apho iiprogram zemali zekredithi zifana nokubona). Ngesiboleko esingaqinisekanga, awuyikubambisa into yokuba unobungozi , ngoko ke umbolekisi uthatha ingozi enkulu kwaye ahlawule ixabiso lentengo ephezulu.
Iimpawu zokwakha iMatyala
Hlola ikhredithi yakho: Qinisekisa ukuba iingxelo zakho zekhredithi zikhululekile naziphi na iimpazamo eziza kubamba izikolo zakho zemali. Ngokukodwa xa unetyala elincinci okanye uphila kwixesha elidlulileyo, iimpazamo zikuthintela ukuba ufumane amanqaku afanelekileyo. Hlela ezo mpazamo ukwenzela ukuba iimpazamo zomnye umntu akuthinteli ukuba ufumane i-credit. Urhulumente waseUnited States ufuna i-credit bureaus ukuba inike ingxelo yekhredithi yamahhala kuwe rhoqo ngonyaka, kwaye kufuneka usebenzise inelungelo lelo lungelo .
Njalo uhlawule ngexesha: Enye yezona zinto zibaluleke kakhulu kumanqaku akho ekhredithi ngumlando wakho wokuhlawula. Ukuba uhlawula ngexesha, i-credit yakho iya kuphucula. Ukuhlawulwa kwexesha elizayo kumalimboleko kuya kukuthintela ekubeni wenze inkqubela, kwaye mhlawumbi kungcono ukunqumla ukuboleka ngokupheleleyo ngaphandle kokuba unethemba lokuba wenze iintlawulo.
Zibekele impumelelo: Yilungiselele ngemali ukuqinisekisa ukuba uya kuhlawula iintlawulo zakho kwaye uzifake ngexesha.
- Vula i-akhawunti yokujonga kunye nokulondoloza ukuba awunayo, kwaye ufunde indlela yokusebenzisa i-bill pay online .
- Qonda iholo lakho kunye neendleko zakho, kwaye wakhe uhlahlo lwabiwo-mali ukuze uhlale umkhondo.
- Ukulinganisela i-akhawunti yakho yokujonga rhoqo ukuze ugweme nayiphi na into engamangalisiyo.
Ukuboleka ngokumodareyitha: Kukho izizathu ezininzi zokuboleka ngaphantsi kunokuba ababolekisi bakho baya kukuvumela.
- Ukusetyenziswa kwetyala. Amanqaku okuthenga ngetyala akhangelele ukuba ungakanani udole ngoku ngokuthelekiswa nokuba ungakanani uvumelekile ukuboleka (umlinganiselo wakho wesikweletu, umzekelo). Ukuba usebenzisa ipesenti encinci yekredithi yakho ekhoyo-ngaphantsi kweepesenti ezingama-30 okanye kunjalo - awuphakamisi amanqaku amaninzi obomvu. Kodwa ukuba uhlala ukhupha ii-akhawunti zakho zekredithi, kunokubonakala ngathi unenkathazo yezezimali, kwaye izikolo zakho zekredithi zingahla. Nangona uhlawula ikhadi lakho lesikweletu rhoqo ngenyanga, ukuqhuba ibhalansi kungabangela ingxaki.
- Iindleko zokuboleka. Uhlawula inzala kunye nezinye iindleko zemali xa uboleka, ngoko uhlawula ngokuthe ngqo izinto ozithengayo ngetyala. Kwezinye iimeko, uya kuhlawula ngaphezulu kunomdla kunokuba wenze into oyithenge. Ukuboleka kungenza ingqiqo xa kuzisa ukuphucula ixesha elide ebomini bakho okanye imeko yakho yezemali, kodwa ukuboleka "ifunayo" kuyingozi kwimali yakho.
Ukwahlukana kwemali mboleko yakho: Njengoko ukwakha isikweletu, sebenzisa iintlobo ezahlukeneyo zemboleko. Iimodeli zokulinganisa ngetyala zinokukuvuza ngenxa yokuba neentlobo zemali-mboleko ezahlukahlukeneyo, kubandakanywa nekhredithi ehambayo (amakhadi-ngetyala), iimali-mboleko zemali, iimali-mboleko zasekhaya, kunye nemali-mboleko yomfundi. Musa ukuthatha ityala ngokungadingekile, kodwa sebenzisa uhlobo olulungileyo lwetyala xa ukuboleka kuqondakala.