Yintoni echaphazela akho amanqaku okuthenga ngetyala
Kukho izinto ezintlanu eziphambili ezichaphazela umlinganiselo wakho wekhredithi : umlando wokuhlawula, inqanaba lesetyala, imbali yembali yemboleko, iintlobo zeeakhawunti ze-credit, kunye nemibuzo kwingxelo yakho yekhredithi.
Ingqesho yakho kunye nomvuzo akuzona izinto ezichaphazela ngqo amanqaku akho. Enyanisweni, ababolekisi bakho kunye namaziko eentengo zemboleko angenakufumana nokuba ulahlekelwe ngumsebenzi ngaphandle kokuba ubaxelele.
I-Score yakho yeMboleko ingaba nefuthe, ngokungachanekanga, ngo-Job Loss
Oko kwathiwa, umlinganiselo wakho wekhredithi unokuchaphazeleka ngokungachangekanga ngokulahlekelwa ngumsebenzi wakho, okanye kunokuba ungayithatha njani inkokhelo kunye nentlawulo yebhanki ngexesha lakho lokungasebenzi. Ezi zeziganeko ezichaphazela ngetyala ezenzekayo ngenxa yokulahlekelwa ngumsebenzi wakho:
- Uwela emva kwekhadi lakho lekredithi okanye iintlawulo zemboleko: Emva kokulahlekelwa ngumsebenzi wakho, unako ukukwazi ukuhlala uhamba kuzo zonke iintlawulo zakho, ngokucacileyo oko, ekubeni ulahlekelwe yimali engenayo. Nangona kunjalo, iintlawulo ezingaphezu kweentsuku ezingama-30 ngokukhawuleza ziyaqhubeka zichazwe kwii-credit bureaus kwaye ziya kuthintela amanqaku akho. Imbali yokuhlawula i-35% yesikhokelo sakho sekhredithi kunye neyona nto ibalulekileyo echaphazela i-credit yakho. Eyona nto emva kokuba ufike kwiibhilikhwe zakho, umlinganiselo wakho wekredithi uza kuba nefuthe.
- Ukwandisa izilinganiso zekhadi lakho lokuthenga ngetyala okanye uthabathe imali entsha ukufumana iziphumo: Ungase ulahlekelwe ngumsebenzi wakho kodwa unayo iindleko zokuhlawula. Ukuba awunayo imali eyaneleyo yokulondolozwa okanye ukuba iingeniso zengqesho zaneleyo ukufihla zonke iindleko zakho, unokujika kumakhadi-mboleko okanye ukubolekwa kwemali-mboleko ukuze ufezekise. Ingxaki leyo, ukunyuka kwamanani emakhadi okuthenga ngetyala kunye neemeko eziphakamileyo zamatyala kungakonakalisa amanqaku akho okwekhredithi - izinga letyala li-30% yemanqaku akho. Ngaphezulu kwelo, unetyala elingaphezulu, inkokhelo yakho yenyanga iphezulu. Oku kuya kubeka ingxaki ngakumbi ekukwazi ukwenza iziphumo.
- Uvula ii-akhawunti ezintsha ukufumana imali yokuhlawula iindleko zakho: Ukuvula ii-akhawunti ezintsha kunokulimaza umlinganiselo wakho wekhredithi ngeendlela ezimbini. Okokuqala, ii-akhawunti ezintsha ziya kunciphisa ixesha lakho lokuthenga ngetyala, okuyi-15% yemanqaku akho ekwereta. Okwesibini, iingxelo ezongezelelweyo zeengxelo zemboleko- 10% yemali yakho yemali-mali iya kuzisa amanqaku akho.
Ukuqokelela amatyala amatyala, ukuchithwa kwebhanki, ukuchithwa kwemali, ukuhlaziya, izibambiso zerhafu, kunye nokungahlawulwanga kwemali mboleko zizinye iziganeko ezibangelwa ngetyala ezingenzeka ngexesha lakho lokungasebenzi. Ezi zenzakalisa i-credit yakho ngaphezulu kwaye zinzima kakhulu ukufumana imali ngaphandle kokuhlawulwa kwexesha okanye ukukhawuleza kwekhadi lesikweletu.
Gcina i-Score yakho yeMboleko kwiSeshishini lakho loPhando
Kubalulekile ukugcina amanqaku akho ekhredithi ayenzileyo, nangona ulahlekelwe ngumsebenzi wakho. Abaqeshi abaninzi benza ukuhlolwa kwekhredithi njengenxalenye yenkqubo yokuqesha. Umlando wesikratshi othungayo ungakuhlawula umsebenzi onokwenzeka. Uyakujamelana neengxaki ukuba abanye abaninzi baseMelika bajongane nayo: bafuna umsebenzi ukuhlawula iibhilikhwe zakho nokuphucula ikhredithi yakho kodwa akakwazi ukufumana umsebenzi ngenxa yembali embi yesikweletu.
Omnye wabantu abane abangasebenziyo uthi umntu oza kuba ngumqeshi uye wacela ukuba ahlole ingxowa-mboleko kwinkqubo yesicelo somsebenzi, ngokwenziwe uphando olwenziwa yiDemo.
Kwiseshoni efanayo, omnye kwabayishumi bathi abaqashiwe ngenxa yengcaciso kwingxelo yabo yekhredithi.
Kucacile ukuba, xa uhlala ungasebenzi, kuya kuba nzima ukuhlala ngaphandle kwentswela-msebenzi, ukugcinwa, okanye ingeniso yodwa yowakwakho. Yenza okusemandleni akho ukugcina i-credit card yakho imile ngoko ayiyi kuma endleleni yokuhlawula umsebenzi wakho olandelayo.