Amanani omdla kumakhadi-mboleko kunye neemali-mboleko azisetyenziswanga.
Amabhanki asebenzisa amanqaku akho ekhredithi - inani elilinganisa ukufaneleka kwakho kwetyala-njengenye yezinto ezibalulekileyo zokugqiba inzala yakho.
Iibhanki zisebenzisa njani izikolo zemali
Amanqaku akho ekhredithi - amanqaku e-FICO, ubuncinane - amanani ukusuka ku-300 ukuya ku-850. Izikolo eziphezulu zamatyala zibalaseleyo kuba zibonisa ukuba uphathe kakuhle i-credit ngexesha elidlulileyo kwaye unakho ukuhlawula ityala elitsha ngexesha. Amanqaku ekrejenti aphantsi abonisa ukuba wenze iimpazamo ezinkulu kwixesha elidlulileyo kwaye ukuba ungeke wenze zonke iintlawulo zakho ukuba unikwe i-credit entsha.
Amabhanki abeka ixabiso lentengo (i-APR okanye ipesenti yepesenti yonyaka) ngokusekelwe kwengozi oyibekayo. Umngcipheko ophezulu wekhredithi obonakalayo, inqanaba lakho lesenzalo liya phezulu. (Okanye, ukuba umlinganiselo wakho wekredithi uncinci, unokwenyulwa.) Ngakolunye uhlangothi, ukuba unomngcipheko ophantsi weentengo zemboleko (omelelwe ngamanqaku aphezulu a matyala), uya kufumana umlinganiselo wesantya esincinane.
Iimpawu zakho zeMboleko kunye neeRhafu zeKharity Card
Abaniki bamakhadi bekhadi badibanisa uluhlu lwemilinganiselo enomdla ngamnye kunye nokunikezelwa ngekhadi lesikweletu . Ngokomzekelo, ikhadi lingakhangisa i-13.99 ukuya ku-22.99% ye-APR ngokuxhomekeke kumboleko . I-APR yakho yokugqibela iya kuhla ngenye indawo kwiloluhlu ngokusekelwe kumanqaku akho okuthenga ngetyala kunye nezinye izinto ezinobungozi.
Abashicileli bekhadi abavakalisi ukuba yeyiphi imilinganiselo yekhredithi eya kunika inzala ethile. Oku akuyi kuzimiselwa de uze wenze isicelo sekhadi lesikweletu. Ngokubanzi, ukuba unomlinganiselo omhle wesikweletu, unokulindela ukufumana i-APR ephantsi, okanye ngeempembelelo ezingalunganga, uzakufumana i-APR ephakamileyo.
Ikhredithi yeMboleko echaphazela njani iiRhafu zeMali
Ngokubolekwa kwemali-mboleko, izinga lezinga eliqhelekileyo livakaliswa ngaphezu kwebala. Ukuba unomlinganiselo omhle wesikweletu, unako ukufumana isantya esiphezulu okanye esingaphantsi komyinge. Okanye, ngeempembelelo ezingalunganga, ungagqiba ngesantya esingaphezulu kwesilinganiso. I-Bankrate.com ikuvumela ukuba ufune iimali-mboleko kwindawo yakho ngokusekelwe kumanqaku akho. Oku kuya kukunika ingcamango engcono yerhafu oza kufaneleka kuyo.
I-MyFICO.com ine-calculator yokulondoloza imali-mboleko eya kubonisa ukuba ungayigcina kangakanani imali mboleko ngokusekelwe kumanqaku akho. I-calculator ibonisa isampula ze-APRs kunye nentlawulo yenyanga yenyanga yokubolekwa kwemali okanye ukubolekisa ngemali kunye nexesha elithile lokubuyiselwa kwiindawo ezahlukeneyo zamanqaku ezikolo. Ukuba uyazi ukuba umlinganiselo wakho wekhredithi sele ubala, i-calculator ingakunika uqikelelo lwemigqaliselo onokuyilindela. Nangona kunjalo, awuyi kukwazi i-APR yakho ethile uze usebenzise kwaye uvunyiwe ngemboleko.
Xa Umphumo Wakho Umphumo Wenzalo Engalunganga
Amabhanki kufuneka ukuba anike ikhophi yamahhala yomlinganiselo wakho wekhredithi xa ekukhokelela ukuba uvunyelwe ukuba ube nesantya esincinci senzalo.
Amanqaku okubhengezwa kwamatyala aya kubandakanya iinkcukacha ezimbalwa malunga noko kukuqhuba umlinganiselo wakho wekhredithi.
Ukuphucula amathuba akho okufumana inzala engcono, ungasebenzisa iinyanga ezimbalwa usebenza ukuphakamisa amanqaku akho . Kubaluleke kakhulu ngemali mboleko enkulu njengemali yokubolekwa kwemali apho amanqaku aphantsi akhredithi angakwandisa intlawulo yakho yenyanga ngekhulu leedola kwaye ukhokelela ukuba ukhokhe amanye amawaka ngamanqaku ebomini ngemboleko.