Ayikho Inketho Eninzi, Akukho Zikhethwe ezilungileyo
Ngekhredithi embi, kubalulekile ukuqonda ukuba ukhetho lwakho lukhawulelwe; akukho zixazululo ezikhangayo , kodwa kukho izixazululo eziyamkelekileyo. Ukuba ufuna ngokwenene imali, kufuneka ukhethe ukhetho oluya kuba lula ukuhamba ngokusukela emva kokuba ubuyele ezinyaweni zakho.
Khangela ukuba unokuphepha ukusetyenziswa kwemali-mboleko engaphephile. Bavame ukuba neerhafu eziphezulu kakhulu (akukho nto ebhanki yokuthengisa) kwaye kunzima ukufaneleka. Cinga ukuba okanye unayo nayiphi na into enobungozi- nangona kungenabulungisa ekhaya-eziza kunceda abakhuthazi ukuba banike imali ethile.
Abantu badla ngokumangaliswa xa beva ukuba bangasebenzisa imoto njengobuncwane. Ukuba uhlawule isabelo esiphezulu semali mboleko yakho , kungenzeka ukuba ubolekise ngokusebenzisa umboleko wesihloko semoto (zama ukuboleka kwibhankini yakho okanye umanyano wekhredithi esikhundleni se-lender title title).
Ezi mboleko zingaphelelekanga, kodwa ngamanye amaxesha zilunge kuneengxowa-mali ze-payday kunye neentengiso ze-pawn.
Qhubeka ukhumbula engqondweni ukuba unokulahlekelwa yimoto yakho xa ungaphumeleli ukubuyisela imali mboleko. Oku kunokukugcina ungabuyisanga uze usebenze kwaye ufumane imali engenayo, kwaye ingeniso yakho yintoni kanye okufuneka uyikhuphe ngaphandle kwetyala.
Amanye amafa anakho anokuyenza inkohliso. Biza iibhanki ezimbalwa kunye neemanyano zeentengo zemali , kwaye ufumane into enokuyenza ngayo (kunye nokuba yintoni ingozi xa ulahlekelwa i-asethi) ngaphambi kokuba uhambe kunye nemboleko engakhuselekanga.
Ukusebenzisa i-Co-Signer
Ukuba uya kufumana imboleko ekhuselekile, kodwa unesikolo esibi, kuya kwenzeka mhlawumbi kuphela ngosizo lomnxibelelwano. Loo mntu usebenza ngetyala mboleko nawe, ethembise ukubuyisela umbolekisi xa ungeke wenze njalo. Umnxibelelwano wakho kufuneka abe nekhredithi enhle kunye nengeniso eyaneleyo yokuhlawula umboleko.
Nangona kubonakala ngathi kukhangeleka ukusebenzisa umxhasi, gcinani engqondweni ukuba umququzeleli wakho uthatha ingozi enkulu. Ngeke bakwazi ukubolekelela ngokwabo emva kokuba batyinele (ngenxa yokuba bangama-100% abajongene nemboleko yakho, nokuba nguwe oceba ukuyibuyisela yona).
Ukuba bafuna ukuthenga ikhaya, akunakwenzeka ukuba umboleko wakho uhlawulwe. Umnxibelelwano wakho usekukhoneni ukuba kukho nantoni na eyenzekayo kwaye awukwazi ukuhlawula imali mboleko yakho. Ukuba awusebenzi okanye uyalimala (okanye ngakumbi), ababolekisi baya kulandela umthumeli-ntsebenziswano kuyo nayiphi na ibhalansi yomboleko. Ukuba umnxibelelwano ongenakukwazi ukuhlawulela imali yakho mboleko, i-credit yakhe iya kubandezeleka.
Imali-mboleko engakhuselekanga kubboleki abaneSikhredithi esibi
Ukuba ufuna ngokwenene ukuboleka imali, kukho iinketho ezimbalwa ezikhoyo; abanye ababolekisi ngokukhethekileyo ekunikeni imali mboleko engakhuselekanga kubabolekisi ababi.
Ezi zinto zifanele zibe ziimeko ezimbi kunokuba zikwazi ukufumana ingxaki ngokukhawuleza kunye nale mboleko. Kwezinye iimeko, uya kuchitha ngaphezulu kwimirhumo kunye nomdla kunokuba uboleke.
"Ukuboleka ngetyala" kuyinto evamile xa abathengi bekhredithi embi kuba ababolekayo banqwenela ukufumana imali mboleko kwaye bajikelelwe ngababoleki abaninzi. Khumbula ukuba awukho kwisikhundla samandla xa usebenza nabanikezeli bemali-mboleko. Baye baninzi kakhulu ukuzuza kunoma yimuphi umthengi kunokuba wenze ntoni-ke qaphela. Sebenza kuphela nababolekisi abahloniphekileyo, kwaye nigcine iso kwiinkonzo ezilungileyo kakhulu ukuba zinyaniseke.
Ingcinga efanelekileyo ukuqinisekisa ukuba kukho nawuphi na obolekayo uya kunceda ukuphucula i-credit yakho. Unokuba nekhredithi embi namhlanje, kodwa ingaba ngcono . Fumana ukuba i-mboleko yakho iya kubikwa kwiinkampani ezinkulu zokubika ngetyala.
Ukuba akunjalo, akuyi kunceda ukwakha i-credit, kwaye uya kuba kwisikhephe esifanayo ngexesha elizayo xa ufuna ukuboleka imali.
Unokufumana njani i-lender efanelekileyo xa unesikweletu esibi ? Qala ngokujonga ababolekisi abasemthethweni njengamabhanki asekuhlaleni kunye neemanyano zeentengo zemali, kunye newebhusayithi eyaziwayo eyaziwayo ekubhekiselele kubalimi. Ukuba awunayo inhlanhla, iimpahla zemboleko kunye neentengiso ze-pawn zihlala zikhona, kodwa ziyinto engalunganga.