Oko Kufuneka Uyenze Ngaphambi Kokufaka Isicelo Sokuthenga Imali
1. Hlola iingxelo zakho zeMali
Xa wenza isicelo sakho, umboleki-mboleko mboleko ubheka izinto ezintathu eziphambili: ingeniso ehlawuleyo, ukuhlawula, kunye neembali ezinzulu zemboleko .
Ukujonga ingxelo yakho yekhredithi iya kukuvumela ukuba kukho nayiphi na into ekhathaza i-credit yakho. Awukwazi ukuba yiyiphi ingxelo yengxelo yebhanki eya kubhenka, uze uhlole zonke ezintathu. Unokufumana ikopi yamahhala yeengxelo ezintathu zeentengo zemali kwi-AnnualCreditReport.com.
2. Ingxabano Ulwazi olungalunganga
Ukuchazwa kakubi kungakonakalisa amanqaku akho okwekhredithi uze ufake isicelo sakho. Ukukrazula nayiphi na ingcaciso engalunganga ngokuyiphikisana ne- bureau ye-credit . Ukuba unobungqina bephutha, ukubonelela kuya kunceda ukuqinisekisa ukuba iphutha lisuswa kwingxelo yakho.
3. Ukuhlawula ama-Akhawunti angaphaya
Iingxelo ezidityanisiweyo zibandakanya nayiphi na iakhawunti ekupheleni, ukuhlawulwa kwemali-mali, iindleko zokuqokelela kunye nezigwebo. Ababolekisi bemali-mboleko kufuneka baqiniseke ukuba uza kwenza iintlawulo zakho ngexesha.
Iingqonge ezibalaseleyo ziya kubulala amathuba akho okufumana imali. Ukuhlawula onke ama-akhawunti okwangoku ahlambulule ngaphambi kokuba afake isicelo sokuthenga imali.
- Iindlela ezi-5 zokuhlawula iqoqo
- Susa iNqoqo evela kwiNgxelo yakho yeMboleko
- 5 Izisithakazelo iindlela zokuhlawula amatyala akho
4. Ukungcwaba ii-delinquencies ngeentlawulo ezifike ngexesha
Kufuneka ubeke umzekelo weentlawulo ezifike ngexesha ukufumana imvume yokubolekwa kwemali kwaye ufumane inzala yomncintiswano.
Ukuba unako ukuhlawula kwexesha elifutshane-okanye uvele uhlawule ezinye iinkcazo - ulinde ubuncinane iinyanga ezintandathu phambi kokufaka isicelo sokuthenga imali. Omdala ulwaphulo-mthetho, bhetele i-credit yakho ibukeka.
5. Ukunciphisa ukulinganiswa kwetyala lakho kwiNkcitho
Umthengi wakho ophantsi kwendleko uya kubuza ukukwazi kwakho ukwenza inkokhelo yakho yokubolekwa kwemali xa unendawo ephakamileyo yetyala ehambelana nomvuzo wakho. Yenza iintlawulo zakho zenyanga zetyala kwi-12% yengeniso yakho-ephantsi, engcono. (Emva kokufumana imali yokubolekwa kwemali, inqanaba lakho lemali-ngeniso liya kufakwa, kodwa akufanele libe ngaphezu kwe-43% yengeniso yakho.)
- Indlela yokubala I-Ratio yakho yeMatyala-kuya kuNgeniso
- Yenza i-Out of Debt Plan
- Iindlela ezingama-66 zokufumana imali eyongezelelweyo yeTyala
6. Hlola amanqaku akho eFICO
Myalelo we-Equifax kunye ne-TransUnion FICO izikolo ukusuka ku-myFICO.com ukuze ufumane ingcamango yokuba i-credit yakho ikuphi. Umlinganiselo wakho we-FICO kufuneka ube ngu-720 ubuncinane ukufumana intsingiselo enomdla kwimali mboleko. Ukuba amanqaku akho aphantsi kunoko, funda ngokuhlalutya okuqulethekileyo ukufumanisa oko kuzisa amanqaku akho phantsi. Qaphela: Nangona ababolekisi besayisebenzisa, i-Experian ayisayi kuvumela abathengi ukuba bathenge i-FICO amanqaku asekelwe kwi-Experian yengxelo yerhafu yengxelo. Ukuba ufuna ukufumana ingcamango ye-Experian yakho yamanqaku ekhredithi, ungathenga i- VantageScore okanye uthenge amanqaku amathathu ekwidratshi ukusuka kwi-Equifax okanye kwi-TransUnion.
- I-FICO yama-Score Estimator
- I-FICO kunye neeFAKO izikolo
- Indlela yokuLawula amanqaku akho kwiMboleko
7. Musa ukufaka nayiphi na amatyala amatsha
Ukuthatha ityala elitsha kungenza umboleki-mboleko wemali-mboleko ukugxeka ukuzinza kwakho kwezezimali-nokuba ngaba inqanaba lakho leetyala lihlala phantsi kwe-12% yengeniso yakho. Kungcono ukuhlala kude naluphi na ukuthengiswa kweentengo zemali-mboleko emva kokuba ufumene imali yakho. Oku kuquka ukufaka izicelo kumakhadi-mboleko, ngokukodwa kuba imibuzo yekhredithi ithintela amanqaku akho ekhredithi.