Kutheni umvuzo wakho uhlukile kwi-Auto Lender
Ikhredithi yamanqaku oyifumanayo ngababoneleli nge-CreditKarma.com okanye i-myFICO.com iyimilinganiselo yemali yokuthenga ngetyala, ekujoliswe kukukunika ingcamango yokuba umlinganiselo wakho wekhredithi umi. Xa ufaka isicelo sombolekiso we-auto, umboleki-mali uya kusebenzisa amanqaku okuthenga ngetyala (credit score) efanelwe ukuxela ubungqina bokuthi uya kutshintsha imali yakho mboleko. Ngokomzekelo, i-FICO inikeza i-FICO Auto Score ekhethekileyo kubabolekisi bemoto kwaye ayithengi ngqo kubathengi. I-FICO Auto Score isebenzisa uluhlu olungama-250 ukuya ku-900 oluthetha ukuba abantu ababolekisa ngemoto ngamanqaku angaphezulu aphezulu okanye aphantsi kwamanqaku owahlolayo.
Ingcaciso kwingxelo yakho yeengxelo zemali-mboleko idla ngokuphindaphindiweyo, oko kuthetha ukuba umlinganiselo wakho wekhredithi unokuguqulwa ukusuka ngolunye usuku ukuya olulandelayo. Ukuba kukho iintsuku ezimbalwa phakathi kwexesha uhlolisisa amanqaku akho kwaye umboleki-mboleko uhlola amanqaku akho, umlinganiselo wakho wekhredithi unokungafani ngokuxhomekeka kwindlela ingxelo yakho yekhredithi ishintshile ngayo.
Nangona amanqaku angase ahluke, isekelwe kwingcaciso ephantsi kwingxelo yakho yekhredithi. Ukuba umlando wakho wekhredithi ulungile, umlinganiselo wakho wekhredithi uza kubonisa ukuba, kungakhathaliseki ukuba yeyiphi imodeli ekubolekise ngayo umboleki-mboleko usebenzisa ukuvuma isicelo sakho semboleko.
Olunye Ushishino lweMali
Amanqaku omoto akuwona kuphela amacandelo athile-shishini i-FICO ithengisa kumashishini.
Inkampani ibuye ithengise umlinganiselo wokubolekwa ngemali, umlinganiselo wokumelana nemithi, umlinganiselo wengozi yomshuwalense, amanqaku okubhankanya, kunye namanqaku achaza ukuba ingakanani imali engenayo yakho akhawunti. Ababoleki bangasebenzisa nayiphi na le miqaku ukuncedisa ukuba ngaba bayayivuma isicelo sakho semboleko.
Ngaba Ufanele Uhlole I-Credit yakho Njalo?
Kusengumzekelo omuhle ukujonga umvuzo wakho wekredithi ngaphambi kokufaka isicelo sombolekiso we-auto, nangona uyazi ukuba ayiyikufanisa ngqo amanqaku umboleki uya kubona. Ukukhangela i-credit yakho kukunika ingcamango jikelele malunga nokuba unetyala elihle okanye elibi. Ukuba unomlinganiselo ophantsi wekhredithi, unokucinga ukuba usebenza ukuphucula ikhredithi yakho ngaphambi kokuthenga imoto. Oku kuya kukunika ithuba elingcono lokufumana imvume yokubolekisa ngemoto ngemigaqo engcono.
Kungaba yinto efanelekileyo ukujonga ingxelo yakho yekhredithi ngokukongeza kwinqanaba lakho lesikweletu, ngokukodwa ukuba umlinganiselo wakho wekredithi uphantsi kwezinto okulindele ukuba zibe. Unokungqinisisa ulwazi kwingxelo yakho yemboleko ichanileyo kwaye uphikisana naziphi na iimpazamo ozifumanayo. Ukwenza oku phambi kokuba uhambe ngeenqwelo zithuthi kuya kukunceda ufumane i-credit yakho kwisimo esihle kunazo zonke ngaphambi kokuba ufake isicelo somboleko wemoto. Sebenza ekuqinisekiseni ukuba ulwazi kwingxelo yakho yekhredithi lilungile kangangokuba kungakhathaliseki ukuba yeyiphi i-credit score score your auto lender, iya kubonisa ukuba unetyala elihle kakhulu.