Ukuze ufunde ngekhredithi yakho, kunceda ukuqonda umfanekiso omkhulu uze ungene kwiinkcukacha ezithile zeekhredithi.
Iingxelo zeBhanki
Amanqaku esikweletu ayenzelwe ukwenza izigqibo zokubolekisa lula kubabolekisi.
Amabhanki kunye neemanyano zemali-mboleko bafuna ukwazi ukuba ngaba mhlawumbi ungeke ukwazi ukungahlawulwanga ngemboleko yakho , ngoko bajonga kwimbali yakho yokuboleka ngemigca. Ngokomzekelo, ngaba uboleke imali ngaphambili kwaye uhlawule ngempumelelo iimali-mboleko okanye ngaba usanda kumisa ukwenza iintlawulo zemali mboleko?
Kwixesha elidlulileyo, ababolekisi bekufuneka bafunde ngokuzifundela ngeengxelo zeentengo zemali, ezibandakanya iphepha emva kwephepha leenkcukacha malunga nembali yakho yokuboleka. Xa ufumana imali mboleko, ababolekisi babika umsebenzi wakho kwi-credit bureaus , kwaye olo lwazi luhlanganiswa kwiingxelo zemboleko. Ukufunda ngezo ngxelo kudla ixesha, kwaye kulula ukuphosakela iinkcukacha ezibalulekileyo.
Ngeengxelo zemboleko, iprogram yekhompyutheni ifunda ulwazi olufanayo kwaye ikhupha amanqaku-inombolo elula ababolekisi abanokuyisebenzisa ukuvavanya ukuba uza kubuyiselwa njani. Esikhundleni sokuchitha imizuzu engama-20 kumfaki-sicelo ngamnye, amanqaku athatha umgudu ongaphantsi wokuvelisa.
Amanqaku okuthenga ngetyala angaba luncedo kubboleki.
Ababolekisi abanako ukukwazi ukusebenzisa isigwebo esiphezulu xa amanqaku ebaxelela into eninzi ekufuneka bayazi. Amanqaku angeke (okanye angafanelekanga) acacise ngokusekelwe kwindlela ojonga ngayo okanye indlela osebenza ngayo.
Iintlobo zezikolo
Unamanani amaninzi ekrejethi. Kuyo yonke imodeli yokumakishwa eyenziwe, ubuncinane ubuncinane.
Uninzi lwabantu lubhekisela kumanqaku ekhredithi ye-FICO xa uthetha ngamanqaku, kodwa unamaqela amaninzi ahlukeneyo e-FICO - omnye kwiziko le-credit bureau- kunye nezinye iindidi zamanqaku. Xa uthetha ngekhredithi yakho, kubalulekile ukuqonda ngokucacileyo ukuba luhlobo luni lwamanqaku asetyenziswayo.
Ngokwesiko, umlinganiselo weFICO ngowona manqaku athandwayo kakhulu asetyenziselwa iimali-mboleko ezibalulekileyo ezifana nekhaya kunye nemali mboleko. Nangona kunjalo, oko kwatshintsha. Kungakhathaliseki ukuba yimaphi amanqaku owasebenzisayo, amaninzi amanqaku afuna izinto ezincinci okanye ngaphantsi: bafuna ukuqikelela ukuba ngaba unokuhlawula iibhili zakho ngexesha .
Umlinganiselo wekhredithi we-FICO ubheka ukuba unamali amangakanani , indlela oyibuyisele ngayo ngaphambili, nangaphezulu. Izikolo ziwela naphina phakathi kwama-300 no-850 kwaye zenziwe ngamacandelo alandelayo :
- Imbali yeNtlawulo ye-35% - ngaba ulahlekelwe iintlawulo okanye ulahlekelwe ngemali mboleko?
- I-30% Iimali ezihlawulwayo - uninzi kangakanani na kwaye udibene na ?
- 15% Ubude beTyala-uboleka amatsha kuwe?
- I-10% entsha yeNtlawulo - sele ufake isicelo semali-mboleko emininzi edlulileyo?
- I-10% Udidi lweNtengo - ngaba unomxube ophilileyo lweentlobo ezahlukeneyo zeetyala (umzenzelo, ikhaya, amakhadi esikwereti kunye nabanye)?
Amanqaku esikhokhwa ngamanqaku athile axhomekeke kwiinkcukacha ezifanayo. Kodwa abanye abantu abanalo imbali yokuboleka - mhlawumbi usemncinci, okanye awuzange ubolekelwe.
Inqaku elitsha "elongezelelweyo" leenqaku zemali-mboleko lijonge kwezinye iindawo zengcaciso, njengokuthi ungayikhokheli iindleko zakho ngexesha (kubandakanywa iibhidi zetyala, irente kunye nezinye).
Ezinye iintlobo zamanqaku nazo zikhoyo. Basenokusebenzisa udibaniso lweenkcukacha ezivela kwiingxelo zemboleko kunye neminye imithombo. Ngokomzekelo, abanye ababolekisi ngamanye amaxesha bakha "izikolo zokufaka izicelo" ezizodwa ezisebenzisa ulwazi olunikezelayo kwisicelo sakho semali mboleko (ingeniso yakho okanye inani lexesha kwindawo yokuhlala yakho yangasese ingasetyenziswa).
Ulwazi malunga neenqaku zakho
Ungayifumana njani ukuba umlinganiselo wakho wekredithi unjani, kwaye yintoni ekhoyo kwingxelo yakho yeekhredithi?
Iingxelo zekredithi zamahhala zifumaneke kubo bonke abathengi base- US phantsi komthetho wesigqeba . Ukufumana ingxelo yakho kwii-arhente ezinkulu zokubhengisa ngetyala (iTransUnion, Equifax, ne-Experian), vakashela i-AnnualCreditReport.com. Khumbula ukuba amanqaku akho asekelwe kwingcaciso kwiingxelo zakho zekhredithi.
Ukuba iingxelo zeentengo zemboleko zikhangeleka kakuhle, amanqaku akho aya kuba phezulu.
Izikolo zemali zentengo yamahhala zinzima ukuza, kodwa kukho iindlela ezininzi zokufumana izikolo ezikhululekile . Buza umboleki wakho kumanqaku akho nayiphi na ixesha xa ufaka isicelo semboleko, kwaye ubone ukuba ibhanki yakho okanye inkampani yekhadi lekhredithi inikeza izikolo ezikhululekile. Ziqaphele kwiiwebhusayithi ezithengisa ulwazi olungenanto-ezinye zazo zinikeza izikolo "ezingabhalwanga" (ezinokuba luncedo) kunye nabanye bahlaselayo.
Ukufumana imvume
Amanqaku okuthenga ngetyala ayinqumi ukuba ngaba isicelo sakho semboleko sivunyiwe Ziyizibalo nje eziveliswe kwingxelo yakho yekhredithi (okanye enye imodeli yokulinganisa ngetyala). Umboleki wakho ubeka imigangatho yemilinganiselo yamatyala eyamkelekileyo kwaye yenza isigqibo sokugqibela. Ukuba ukhetha ukuhlala ubomi obungena-matyala , awuyi kuba neembali zekhredithi okanye izikolo eziphezulu zamatyala (kodwa kusenokuba zifanelekile).
Ukuphucula izikolo zakho zemali-mboleko, kufuneka ubonise ukuba ungumboleki onoxanduva, omele uhlawule ngexesha. Ukuba ukwakha iifayile zakho zekredithi ngolwazi olungileyo , izikolo zakho zekredithi ziya kulandela. Kuthatha ixesha, kodwa kunokwenzeka.
Ngamanye amaxesha ingxelo yakho yemboleko iqulethe iimpazamo Xa oku kwenzeka, ungaphuthelwa ngamathuba oza kuwufanelanga. Kubalulekile ukuba ufumane ezo mpazamo zilungiswe xa umntu ebuza malunga nekhredithi yakho. Inkqubo inzima kodwa ixabise ixesha lakho. Ukulungiswa kwexesha (xa ufaka isicelo sokuthenga imali kunye nokuthenga indlu), ukugcina ngokukhawuleza kunokufumana amanqaku akho ephakamileyo kwiintsuku ezimbalwa .