Le mihla kunzima ukuhamba ubomi ngaphandle kokuthatha ityala elincinci. Ngaphandle kokuba uceba ukusindisa ngokwaneleyo ukuthenga indlu ngemali, kunokwenzeka ukuba uyakufuna ukufumana imali. Ukuba ucinga ngokuya kwikolishi okanye unethemba lokuba umntwana uya kwikholeji, unokufuna ukuxhomekeka kwiimboleko zemfundo. Imali ebolekayo isisityebi semali, kodwa xa ingasetyenziswanga kakuhle ingabangela ingozi ngaphezu kokulungileyo. Ukufunda indlela yokusebenzisa ngetyala kunye nokuba uthathe iityala kukunceda ugcine imali yakho kakuhle.
01 Indlela yokuseka iMali
Ukuze uboleke imali, ngokuqhelekileyo uzakufuna uhlobo oluthile lomlando wesikweletu. Ingxelo yakho yekhredithi izakubhalisa zonke izibophelelo zamatyala akho kwaye uncede abanini-mboleko ukuba babone indlela oyisebenzisa ngayo imali kunye nokugqiba ukuba ingahlawulanga imali. Kodwa kwenzeka ntoni ukuba ungenayo imbali yetyala? Uya kufuna ukumisela i-credit ukwenzela ukuba ababolekisi banento yokuhamba xa ucela ukuboleka imali. Kukho iindlela ezichanekileyo kunye neendlela ezingalunganga zokuseka i-credit, ngoko ke umxholo wokukunceda ukuba uhambe unyawo olufanelekileyo.
02 Ifayile yakho yeFICO
I-FICO yakho yamanqaku okuthenga ngetyala kukuba inani lababolekisi basebenzise ukukhawuleza imbonakalo yembali yakho yematyala. Okuphakamileyo kwamanqaku akho, ngokuqinisekileyo uza kufumana imali mboleko kunye neyona ntlawulo yemigangatho. Iindaba ezimbi kukuba amanqaku akho anokuchaphazeleka kakubi ngento elula njengentlawulo enye. Oku kunokudambisa umlinganiselo wakho wekhredithi iminyaka kwaye wenze kube nzima ukukhusela imali. Funda ukuba umlinganiselo wakho weFICO uqukethe kwaye ungayigcina njani amanqaku akho ngokuphezulu.
03 Ukuphucula umgangatho ongezantsi weNgxowa-mali
Ingaba unamanqaku okuthenga ngetyala? Musa ukukhathazeka, awuyedwa. Nangona kungekho milingo yokulungisa ukukhawuleza ukuphucula umlinganiselo wakho wekhredithi, kukho amanyathelo athathatyathwayo aya kufumana isikweletu sakho kumzila. Funda ukuba yeyiphi imbali yembali yakho yeebhanki ebaluleke kakhulu kumanqaku afanelekileyo kwaye ungayisebenzisa njani ukufumana umvuzo wakho kumzila.
04 Indlela Yokufumana INgxelo Yakho Yemali Yenkululeko
Ingxelo yakho yekhredithi isetyenziselwa ukuvelisa umlinganiselo wakho wekhredithi kwaye isetyenzisiwe ngababolekisi ukucacisa ukuba ungakanani umngcipheko wekhredithi. Imbali yakho yeebhanki ibalulekile, ngoko kufuneka uqiniseke ukuba uyayihlola rhoqo ngonyaka ukuqinisekisa ukuba akukho mpazamo kwaye yonke into ibonakala ngendlela efanele. Iindaba ezilungileyo kukuba unelungelo lokunika ingxelo yekhredithi yonyaka-mali kwi-three bureaus. Fumana indlela ongayifumana ngayo ingxelo yakho yeentengo zeentengo namhlanje.
05 Fumana Imali Ukuhlawula Amatyala
Xa imali iqinile mhlawumbi kubonakala sengathi akukho nto ishiywe ukubeka kuloo matyala ekwerekiti. Nangona uvakalelwa kukuba uhlala ehlawulela ukuhlawula kukho imali kwibhajethi yakho engasetyenziselwa ukukhawulezisa ezo ntlawulo zetyala. Fumana indlela ongayibona ngayo imali efihliweyo enokukunceda ukufumana ityala lakho lihlawulwe ngokukhawuleza.
06 Ukwenza okungaphezulu kweNtlawulo encinci
Ngaba uyayazi ukuba ukuba wenza kuphela intlawulo encinci kumakhadi wakho ekwereta ukuba kunokukuthatha iminyaka engaphezu kwelishumi ukuba uyihlawule kwaye uhlasele amawaka kwiintlawulo ezingenasidingo zerhafu? Enye yezinto zokuqala ongayenza ukuphucula imeko yetyala lakho kukuphula umkhwa wokugcina umvuzo.
Inkokhelo encinci ngokuqhelekileyo iquka iindleko zezimali kunye nenxalenye encinci yinqununu. Olu dibiswano lukhokelela kwiminyaka yesikweletu esingenakuhlawulwa kunye nomdla omkhulu. Ukuba unako ukuphula umkhwa wentlawulo encinci kwaye usebenzise nje enye encinci kwindleko zakho zeenyanga zekhredithi zamaphepha-mboleko ungaba netyala elikhululekile kwinxalenye yexesha.
07 Ufuna Uncedo lokuTyala kunye neengxaki zeMatyala
Ukuchasana kungabangela ingxaki enkulu, kwaye akusiyo iphoso lakho. Kukho abantu ngaphandle apho banokukunceda. Ababolekisi Abangabonakaliyo yinhlangano engenzi nzuzo engakunceda ngokusebenzisa imali yakho phantsi kolawulo. Ukuba awukwazi ukuyeka umgudu wokuthenga kwaye uqhubeke uqhubela phambili kwi-matyala, kunokufanelekile ukuthetha nomntu. Funda apho ungaya khona uncedo uze usebenzise imali yakho phantsi kolawulo.