I-Bad Credit echaphazela njani ubomi bakho
Njengoko ukhulula amakhadi akho ekhredithi kwaye ungayinaki iibhilikhwe zakho, kusenokuba kungekafiki kuwe ukuba inkokhelo yakho inokuchaphazeleka. Ukukhawuleziswa kweentlawulo zekhadi lakho lekredithi kunye nemali yetyala ophetheyo kunempembelelo enkulu kumanqaku akho . Bhalisa kule mimandla kwaye umlinganiselo wakho wekhredithi uza kuthoba.
"Yiyiphi into ebaluleke kakhulu kumlinganiselo omncinane wesikolodo," unokubuza. Ekubeni amashishini amaninzi ngoku anigweba ngokusekelwe kumanqaku akho ekhredithi, ukuba netyala elibi lingenza ubomi bunzima kakhulu, ukufumana umsebenzi ukufumana indawo yokuhlala. Nazi ezinye zeempembelelo eziqhelekileyo zetyala elibi.
01 Izinga eliphezulu lomdla kwiikhadi lakho lekredithi kunye nemali mboleko
Amanqaku okuthenga ngetyala akhombisa ukuba unokuthi ungekho phantsi kwekhadi lesikweletu okanye umbopheleleko wemboleko. Ukuba nelityala eliphantsi kuthetha ukuba ungumboleki okhuselayo kunomntu onomlinganiselo wekhredithi olungcono. Ababolekisi nababolekisi bakwenza uhlawule loo mngcipheko ngokukuhlawula inzala ephezulu .
Ukuba uvunyiwe ngempembelelo embi yesikweletu, uya kuhlawula ngakumbi inzala ngaphezu kwexesha kunokuba ungayenza ukuba unetyala elingcono kunye nenani lentlalo engcono. Ukuba uboleke kakhulu, ngaphezulu uya kuhlawula ngenzala.
Indlela Ikhredithi Yakho Yemali Echaphazela Ngayo Inzala Yomdla
02 Izicelo zetyala kunye neemboleko zingenakuvunyelwa
Ababolekisi bazimisele ukufumana umlinganiselo othile wobungozi. Nangona kunjalo, ukuba amanqaku akho ekhredithi aphantsi kakhulu , angenakufuna ukuboleka kuwe nonke. Ngekhredithi engalunganga, unokufumana ukuba izicelo zakho ziphikisiwe.
03 Ubunzima bokufumana imvume yokuhlala
Abantu abaninzi abaqapheli ukuba abanini bempahla bahlole isitaliti ngaphambi kokuvuma isicelo sokuqashisa. Ukuba netyala elibi lingenza kube nzima kakhulu ukuqesha indlu okanye indlu. Ukuba ufumana umninimzi oza kurenta kuwe nangona uphantsi kwekharityhulam yakho ephantsi, kufuneka uhlawule idiphozi ephakamileyo yokhuseleko.
04 Ukugcinwa kweentlawulo kwizibonelelo
Iinkampani zenkampani - umbane, ifowuni kunye nekhebula-khangela i-credit yakho njengenxalenye yesicelo senkqubo. Ukuba unembali yebhanki embi, kufuneka uhlawule idiphozithi yokukhusela ukwenza isevisi egameni lakho, nokuba ngaba uhlala uhlawula iibhidi zakho zesevisi ngexesha. Inkokhelo yezokhuseleko iya kuhlawulwa ngaphambili phambi kokuba unokwenza inkonzo egameni lakho.
05 Awunakufumana inkontileka yeselula
Iifowuni zefowuni zikhangele i-credit yakho. Bathetha ukuba banwezela inyanga yenkonzo kuwe, ngoko kufuneka baqonde ukuba iintlawulo zakho ziya kuba nethemba kangakanani. Ukuba i-credit yakho ayibi, unokufuneka ufumane iselfowuni ehlawulwe kuqala, isivumelwano seenyanga-ngenyanga apho iifowuni zibiza ngokugqithiseleyo, okanye zihamba ngaphandle kweyodwa.
Ukuba uqeshisa okanye ukwenza iintlawulo kwifowuni yakho, kufuneka uhlawule ngaphezulu kwesofowuni okanye iintlawulo zakho zibe ziphakamileyo xa unetyala elibi.
06 Unokuthi unqatshelwe umsebenzi
Imisebenzi ethile, ingakumbi kulabo abaphezulu ekuphathweni okanye kwishishini lezemali, lifuna ukuba ube nembali efanelekileyo yemboleko. Unokwenyaniswa phantsi ngenxa yomsebenzi ngenxa yezinto ezimbi kwiingxelo zakho zemali-mboleko , ngokukodwa imali ephezulu, i-bankruptcy okanye i-billing evelele.
Qaphela ukuba abaqeshi bajonga ingxelo yengxelo yakho yekredithi kwaye akuyiyo amanqaku ekhredithi. Akunakucinge ukuba i-credit card ayiyiyo, kodwa izinto ezichaphazela ukusebenza kwakho.
07 Iiprimiyamu eziphezulu zomshuwalense
Iinkampani zomshuwalense zijonge ikhredithi Bathetha ukuba amanqaku amancinci aphantsi adibaniswa namabango aphezulu afakwe. Ngenxa yoko, bahlola i-credit yakho kunye nokuhlawula i-premium ephezulu kulabo abanamanani amanqaku aphantsi kwikhredithi, kungakhathaliseki ukuba inani lamabango owenziwe ngokwenene.
08 Ukubizelwa kubaqokeleli beetyala
Iingxowa-mboleko ezimbi azikhokelela kwiifowuni zokuqokelela amatyala. Nangona kunjalo, amathuba kukuba ukuba unetyala elibi unayo iidluli ezidlulileyo ngenxa yokuba abaqokeleli beetyala bafuna.
09 Kunzima ukuqala ishishini lakho
Amashishini amaninzi amatsha afuna iimali-mboleko zebhanki zokuncedisa imali yokuqalisa. Ingxelo embi yekhredithi inganciphisa inani onokuliboleka ukuqala ishishini elitsha, nokuba unesicwangciso esicacileyo seshishini kunye nedatha exhasa impumelelo yakho yezoshishino.
10 Kunzima ukuthenga imoto
Amabhanki ahlole ikhredithi yakho ngaphambi kokuba anike imali yemboleko yemoto . Ngekhredithi engalunganga, unokwenyulwa inkokhelo yemoto ngokupheleleyo. Okanye, ukuba uvunyiwe, uya kuba ne-interest rate ephezulu, ekhokelela ekuhlawuleni kwenyanga, ngakumbi xa uthengayo "ngaphandle kwekhonkco" okanye "uthenge apha, hlawula apha" inqwelo yemoto.