Ukuqonda umlinganiselo wakho weFICO kunye nendlela ekuchaphazela ngayo ukuthenga ekhaya
Ukwazi ukuba umlinganiselo wakho wekhredithi uthintela njani ukuthengwa kwempahla yendlu ngabantu abafuna imali yokubolekwa kwemali kwenza ukuba kubalulekile ukuba umntu afumene amanqaku okuthenga ngetyala. Umlinganiselo wakho we- FICO udlala indima ebalulekileyo kwinkqubo yokuthenga ekhaya kunye nokugqiba umyinge wenzala enikezelwa ngumboleki.
Iyiphi amanqaku ekhredithi?
Amanqaku ekhredithi yinani labathengi basebenzise ukuqikelela umngcipheko. Amava abonise ukuba ababolekayo abanamanani aphezulu ematyala abanamathuba amaninzi okungahlawulwanga ngemboleko.
Zibalelwa njani izikolo zemali-mboleko?
Amanqaku okuthenga ngetyala ayenziwa ngokucoca idatha esuka kwingxelo yakho yekhredithi kwisofthiwe ehlalutyayo kwaye ikhuphe inombolo. Ii-arhente ezinkulu ezintathu zokubhengisa ngetyala zingasetyenzisi isofthiwe yokufaka amanqaku afanayo, ngoko ungamangaliswa ukuba ufumanisa ukuba amanqaku ekhredithi awenzayo ahlukile.
Kutheni amaxesha okuthenga ngetyala kuthiwa ngama-FICO amanqaku?
Isofthiwe esetyenzisiweyo ukubala inani elikhulu leenqaku zemali-mboleko lenziwe ngu-Fair Fair Corporation-FICO.
Ziziphi iindawo zomlando weebredari ezibaluleke kakhulu?
Isatiyiti yepayi ngasentla ibonisa ukuphahlaka kwexabiso elilinganiselwe ukuba yonke into ebhalwe kwingxelo yakho yekhredithi yongeza kwi-calculation score calculation. Sebenzisa ezi pesenti njengesikhokelo:
- 35% - Imbali Yentlawulo yakho
- I-30% - Iimali ozikhokeleyo
- 15% - Ubude beNkcazo yakho yeMali
- 10% - Iintlobo zeTyala ezisetyenzisiweyo
- 10% - iNew Credit
Imbali Yentlawulo Yakho Iquka:
- Inani leeakhawunti ezihlawulwe njengoko kuvunyelweneyo
- Iirekhodi zoluntu ezingekho phantsi okanye iqoqo
- Iingxelo ezidlulileyo:
- inani elipheleleyo lezinto ezidlulileyo
- ixesha elide lide lidlulileyo ngenxa
- bekude kangakanani ixesha elide ukususela emva kokuba ufumane inkokhelo eyadlulileyo
Into omele:
- Uninzi kangakanani kwiingxelo kunye neentlobo zeeakhawunti ezineemali
- Ingakanani imida yakho yokuthenga ngemali-mboleko oyisebenzisileyo-ukukhangela izibonakaliso ozigqithiseleyo
- Iimali ozozihlawulwa kwiakhawunti yokubolekisa ngeentengo ngokumalunga nezilinganiso zawo zangaphambili - ukuqinisekisa ukuba uyazihlawula ngokuqhubekayo
- Inani leakhawunti yokulinganisela
Ubude beNkcazo yeMali:
- Ubude obude bexesha elilandelwa ngxelo yengxelo yakho yekredithi
- Ubude bexesha kuba iincwadi zavulwa
- Ixesha elidlulileyo ukusuka kumsebenzi wokugqibela
- Ixesha elide lakho (elihle) lembali, ngcono amaqaku akho
Iintlobo zeTyala:
- Inani elipheleleyo le-akhawunti kunye neentlobo zee-akhawunti (isitofu, ukuguqula, ukuboleka imali, njl.).
- Umxube weentlobo ze-akhawunti ngokuqhelekileyo uvelisa amanqaku angcono kuneengxelo ngeengxelo ezininzi ezithintekayo (amakhadi ekwereta)
Intsha Yesikweletu:
- Inombolo yeengxelo ozivalile ukuvula kunye neengxelo zeakhawunti ezintsha kwiakhawunti ezipheleleyo
- Inani lemibuzo yecredit yamuva
- Ixesha elidlulileyo ukusuka kwimibuzo yamuva okanye i-akhawunti evuliwe
- Ukuba uphinde useke umlando weebhanki ezithembekileyo emva kokuhlangabezana neengxaki zentlawulo
- Ngokuqhelekileyo, uhlolisise ukuqinisekisa ukuba awuzami ukuvula ii-akhawunti ezininzi ezintsha
I-software yokumakisha i-Credit iqwalasela izinto kwi-credit report yakho. Ababoleki bajonga ezinye iimeko ezingabandakanywa kwingxelo, njengengeniso, imbali yengqesho kunye nohlobo lwekhredithi oyifunayo.
Yiyiphi i-Score Good Score?
Amanqaku esikweletu (ngokuqhelekileyo) avela kwi-340 ukuya ku-850. Ukuphakama kwamanqaku akho, umngcipheko omncinci umboleki ukholelwa ukuba uya kuba. Njengoko amanqaku akho ekhuphuka, inzala yenzalo oya kunikwa iya kuthi iyancipha.
Ababoleki abaneemali ezingaphezulu kwama-700 bafumana iinketho ezingakumbi zokufumana imali kunye nemilinganiselo enomdla kodwa engadangali ukuba amanqaku akho aphantsi kuba kukho umkhiqizo wokuboleka imali malunga nantoni na.
Nantsi ukukhangela kwamanqaku esikweletu phakathi kwabantu base-US ngo-2003:
- Ukufika ku-499: 1%
- 500 - 549: 5%
- 550 - 599: 7%
- 600 - 649: 11%
- 650 - 699: 16%
- 700 - 749: 20%
- 750 - 799: 29%
- Ngaphezu kwe-800: 11%
Ngokutsho kwexabiso lePenguin, umyinge wesilinganiso sekhredithi eMelika ngowama-2016 ngu-695.
Izikolo ezininzi zeMatyala
Ibhanki yakho iya kutsala iingxelo zetyala kunye namanqaku kuzo zonke i- arhente ezinkulu zokubhengeza ngetyala : iTransunion, Equifax, kunye ne-Experian.
Baya kusebenzisa amanqaku aphakathi ukusebenzela isicelo sakho sembolekiso . Buza umnini-mboleko wakho ukuba uchaze ukuba yeyiphi na amanqaku okuthenga ngetyala kunye nendlela ekuchaphazela ngayo isicelo sakho semboleko.