Kwiminyaka, abathengi banolwazi oluncinane (olukhululekile) ngolwazi malunga nendlela ezi zinto kunye nezinye izenzo ezingalunganga ziya kuthintela ngayo izikolo zabo zemali.
Siyabulela kwiNgxaki yeNgxowa-mali ye-FICO, siyazi okunye malunga namanqaku amaninzi aya kulahleka kwezinye zeephene eziqhelekileyo.
Iingxelo ezimbini zeFICO
Ukuzekelisa amaphupha alahlekileyo, i-FICO isinika ezimbini iziganeko zokuthenga ngetyala, enye yomntu onomlinganiselo we-680 weFICO kunye nomnye umntu onomlinganiselo we-780 weFICO.
Umntu onama-680 amanqaku unalo:
- Iingxelo ezithandathu zemali zetyala, ezibandakanya ngamakhadi amathathu eemboleko, umboleko wemoto, umboleko wemali kunye nomboleko wesikolo
- Iminyaka eyisibhozo yembali yemboleko
- I-40% ukuya kwi-50% yokusetyenziswa kwemali
- Iintlawulo ezimbini ezikhawulezileyo: intlawulo yekhadi lokuthenga ngetyala leentsuku ezingama-90 ukusuka kwiminyaka emibini edlulileyo kunye neentsuku ezingama-30 ezihlawulwa ngokukhawuleza kwimali-mboleko yemali ngonyaka owedlule
- Awekho i-akhawunti ithunyelwe kwiiqokelelo kwaye akukho zikhokelo zoluntu (ukuchithwa, ukuchithwa, njl njl.).
Umntu onomlinganiselo we-780 FICO unalo:
- Iingxelo ezilishumi zeentengo zemboleko, ezibandakanya amakhadi ezitalato ezisixhenxe, umbolekiso wesikweletu, umboleko wemali kunye nomboleko wesikolo
- Iminyaka elishumi elinesibhozo sembali yemboleko
- 15% ukuya kwi-25% yokusetyenziswa kwetyala
- Akukho zihlawuliso ezikhawulezayo
- Akukho ziqokelelo okanye ezinye iirekhodi zoluntu
Zizahluke njani izikolo ze-FICO ziphendule kwiimpazamo ezifanayo
I-FICO ke isitsho ukuba zingaphi i-FICO ibonisa ukuba umntu ngamnye uya kulahleka ukuba enze nayiphi na impazamo emihlanu yeentengo zemboleko.
- Ukukhishwa kwekhadi lekredithi , umntu onama-680 amanqaku okuthenga ngetyala uya kulahlekelwa phakathi kwamanqaku angama-10 no-30, ngelixa umntu onama-780 amanqaku okuthenga ngetyala ayeza kulahleka phakathi kwama-25 ukuya kuma-45 amaphuzu.
- Ukulahleka kwekhadi lokuthenga ngetyala (emva kweentsuku ezingama-30 ngokukhawuleza), umntu onama-680 amanqaku okuthenga ngetyala uya kulahlekelwa phakathi kwamanqaku angama-60 no-80, ngelixa umntu onama-780 amanqaku okuthenga ngetyala alahlekelwa phakathi kwamanqaku angama-90 no-110.
- Ukuhlawula amatyala , umntu onama-680 amanqaku okuthenga ngetyala uya kulahleka phakathi kwama-45 no-65 ngamanqaku ngelixa umntu onama-780 amanqaku okuthenga ngetyala alahlekelwa phakathi kwama-140 kunye no-160 amaphuzu.
- Ukugqithisa , umntu onama-680 amanqaku okuthenga ngetyala uya kulahleka phakathi kwama-85 no-105 amaphuzu, ngelixa umntu onama-780 amanqaku okuthenga ngetyala alahlekelwa phakathi kwama-140 ne-160 amaphuzu.
- Ukuchithwa kwemali , umntu onama-680 amanqaku okuthenga ngetyala uya kulahleka phakathi kwama-130 no-150 amanqaku, ngelixa umntu onama-780 amanqaku okuthenga ngetyala uya kulahleka phakathi kwama-220 kunye nama-240 amanqaku.
Iimpawu ezibalulekileyo zeFICO Izifundo
Ngeli xesha iimeko zokulahleka kweengongoma zixhomekeka, zisinika ulwazi oluxabisekileyo malunga nelahleko zeFICO:
- Okuphakamileyo kwinqanaba lakho lekhredithi ngamaphuzu angaphezulu anokuwa. Uzolahlekelwa ngamanqaku amaninzi kunomntu onomlinganiselo wekredithi ophantsi kwizenzo ezifanayo.
- Kule mpazamo emihlanu echazwe ngasentla, ukukhutshwa kwekhadi lakho lekhredithi kunomthelela omncinci kumanqaku akho. Oko akuthethi ukuba yimpazamo encinci yeyona nto.
- Ukuqhawula kubangela ukuba i-credit card yakho ibone amanqaku amaninzi kuba ichaphazela iibhanki ezininzi zeebhanki kwaye ibonakalisa kakubi kwimbali yakho yentlawulo, eyi-35% ye-FICO.
Isaphulelo sakho seFICO singaphendula ngokuhlukileyo
Thatha le ngcaciso ngqolowa yetyuwa. Ukubalwa kwamanqaku e-FICO kunzima kakhulu ukunika ilahleko ethile (okanye ukufumana) ixabiso kuzo zonke iimeko zeentengo zemboleko. Isixa semaphupha olahlekileyo ngenxa yempazamo yekhredithi isekelwe kwiprojekti yakho yekhredithi kwaye iya kulandelwa le ntlawulo yelahleko kuphela ukuba iprojekthi yakho yekhredithi ifana neyo ichazwe ngasentla. Nangona unomlinganiselo ofanayo weFICO njengenye yezi ziganeko ezingathethi ukuba umlinganiselo wakho weFICO uza kuphendulela okufanayo kwiimpazamo zekhredithi. Kungenxa yokuba ukuhamba kwamanqaku akho eFICO kuxhomekeke kwingcaciso kwingxelo yakho yekhredithi.
Ukuba ufuna ukufumana ingcamango engcono yendlela izenzo ezithile ezichaphazela ngayo amanqaku akho eFICO, ungasebenzisa i-simulator ye-FICO itholakale kwi-myFICO.com xa uthenga umlinganiselo wakho weFICO.