Okokufunayo malunga nokuPhakanyiswa okufanelekileyo
Ufumana njani ukuqinisekiswa kwemboleko? Hlanganisa ulwazi malunga nemali yakho kunye nemboleko oyifunayo, uze ufake isicelo.
Landela amanyathelo angezantsi ukwenza inkqubo ilula.
Lawula i mboleko
Ikhredithi yakho ibalulekile malunga naluphi na umboleko. Ngaphandle kokuba ufumana umboleko wemihla yokuhlawula (okungenjalo mhlawumbi ayikho imbono enhle ) ababolekisi baya kujonga kwimbali yakho yokuboleka. Qinisekisa ukuba - kwaye wena-awuyi kufumana nayiphi na into emangalisayo xa kwenzeka.
Qhaqhelana nekhredithi: i-credit yakho yenye yezona zinto zibalulekileyo zokufumana ubungqina bokuqala. Qonda ukuba isebenza njani nawaphi ababolekisi .
Hlola iingxelo zakho: hlawula iingxelo zakho zekredithi ukuze ubone oko ziqulethe khona. Oku kukhululekile kubo bonke abathengi base-US - kanye ngonyaka, unelungelo lokubona iingxelo zekredithi zakho kwiziko lezikole ngalinye . Jonga kule ngxelo uze ubone ukuba kukho nayiphi na iintlawulo ezikhawulezileyo okanye iimpazamo ezibonakalayo kwiingxelo zakho.
Hlela iimpazamo: ukuba kukho iiphoso kwiingxelo zakho zemali, zilungise. I-Federal Trade Commission (i-FTC) ibika ukuba iipesenti ezintlanu zabathengi ziphosakele kwiingxelo zabo.
Nangona elo nani lingahambi, imiphumo yephutha ilukhuni kwaye ingonakalise amathuba okuboleka. Bika iimpazamo kwi-credit bureau kunye nawuphi na umboleki obika ingxelo. Funda kabanzi ngokulungisa iziphene .
Lungisa
Ababoleki baya kucela ulwazi malunga nemali yakho ukuze kuhlolwe isicelo sakho semboleko.
Hlanganisa le nkcazelo ngaphambi kwexesha ukwenzela ukuba kulula ukuyisebenzisa-kwaye uzenze uzihlaziye kwiimali zakho. Kukunceda ukubona ulwazi olusisigxina kumvuzo wakho kunye nefa ngaphambi kokuba uthathe ityala elongezelelweyo .
Ikhono lokubuyiselwa kwakhona: uya kufuneka ukuba ubhale ukuba ufumana phi. Ababoleki bafuna ukubona (kwaye bafuna ukuba bacele) ukuba unemali eyaneleyo yokuthatha nayiphi na imali mboleko. Ngokuqhelekileyo, babala ityala kwinani lemali engenayo , elijongene nendlela ofumana ngayo xa kuthelekiswa nendlela ohlawula ngayo inyanga nganye. Nabanye ababolekisi, kufuneka unetyala ngenani elingeniso elingaphantsi kwe-36% ukuze ufumaneke, nangona abanye bekuvumela ukuba uye phezulu.
Kananjalo kunokukunceda ukuba ubonise ukuba unempahla ekhoyo ekhoyo kuwe (njengemali kwi-akhawunti yebhanki) njengomkhumbi owongezelelweyo. Umboleki wakho unokucela izinto ezilandelayo, kunye nokunye:
- Bhatala ama-stubs ukusuka kumsebenzi wakho wangoku
- Iingxelo ze-W-2 zonyaka ophelileyo
- Imbuyekezo yeRhafu ukusuka kwiminyaka edlulileyo
- Ingxelo zebhanki zebhanki
- Ezinye iingxelo zeakhawunti
Akunakudingi ukuba unikezele ngokuqinisekileyo ikopi yazo zonke ezi maxwebhu ukuze uqinisekiswe ngaphambili, kodwa kufuneka ubuncinane ufune ukuba ziphi kwaye uziqhelane nazo. Naluphina ulwazi olunikezayo malunga nesicelo semboleko kufuneka luchaneke, ngoko ke uya kufuna ulwazi.
Iinkcukacha malunga nokuthenga kwakho: unokufuneka ufumane inkcazelo malunga nento oyithengayo ngemali mboleko. Eyona nkcukacha, ungcono - isibonelelo sakho semali-mboleko singashintsha kuxhomekeke kwindlela oceba ukuyisebenzisa ngayo imali. Ngokomzekelo, xa uthengwa indlu, ngaba yindawo eyodwa yokuhlala, okanye ngaba iyunithi yesigqeba kwisakhiwo esinamaqela angama-50? Ukuba imoto, yintoni eyenziwe, imodeli, kunye nomnyaka? Iimali-mboleko zemoto zisebenzisiwe zihlukile kwiimali-mboleko zemoto entsha
Khetha iLender
Kule ngongoma, ulungele ukuthenga ngeenxa zonke kubaboleki. Mhlawumbi ufuna kuphela ukuba uqinisekiswe ngumboneleli omnye ukuqala ukuyothenga (kunye nokusebenzisa incwadi yokubhengezwa kwangaphambili njengemilinganiselo), kodwa kuyafaneleka ukuthelekisa iindleko zemali mboleko phakathi kwabathengi abaninzi. Awunyanzelekile ukuba usebenzise umboleki-mboleko oza kukunika ubungqina, kodwa unokuthi uhambe kunye nenkqubo nababolekisi banikela ngemigangatho engcono - mhlawumbi kufuneka uyenze yonke into ngokuphindaphindiweyo.
Hlola ngeentlobo ezahlukeneyo zababolekisi: zibandakanya ababolekisi abaninzi-kunye neentlobo ezahlukeneyo zabathengi-ekukhangekeni kwakho. Zama ibhanki kunye nomanyano wekredithi wendawo yekhaya, imoto, kunye neengxowa-mboleko zekhadi lesikweletu. Ukubolekisa imali , qiniseka ukuba uquka umboleki we- intanethi okanye i-P2P mboleko (bahlala benamazinga okukhuphisana, kwaye ngamanye amaxesha bazimisele ukusebenza kunye nabbolekayo abanekhredithi engaphantsi-epheleleyo).
Fumana ulwazi olupheleleyo malunga nokuba uza kuhlawula phi, kuquka:
- Imvelaphi okanye imali yokucwangcisa
- Iintlawulo zenzalo (ngaba izinga eliguquguqukileyo okanye elichanekileyo ?)
- Izigwebo zokuhlawulwa kwangaphambili , ukuba zikhona
- Imali yonyaka
Ngaba ufanelekile ngaphambili? Ukubolekwa kwekhadi lesikweletu, abanye ababolekisi bagcina uluhlu lwababoleki "abaqeqeshelwa ngaphambili." Ukuba uluhlu olo, kukho ithuba elihle lokuba umboleki ufuna ukusebenzisana nawe. Nangona kunjalo, akukho mqinisekiso yokuba uya kuvunywa - usadinga ukungenisa isicelo, kwaye umboleki-mali unokufumana into ayithandayo. Oku kuthethi, kukho ubuncinane into ethile kwiziko ledatha kwindawo ethile apho umboleki othanda ngayo ngawe. Ukuba awunakulungele ukufumana i-lender ethile, unokusebenza kwaye ubone oko bathethayo.
Faka isicelo seMboleko
Emva kokuba ufumene umboleki kwaye uzilungiselele, ixesha lokufaka isicelo. Kukho indlela enye yokufumana ukuba unokufumana phi: gcwalisa isicelo kwaye ulinde impendulo.
Impendulo ifike ngokukhawuleza, okanye ingathatha ixesha elide. Iimpendulo zemali-mboleko yemoto zingaphuma ngokukhawuleza. Imboleko yemali ingathatha ixesha elide , kunye nababolekisi becela uluhlu olungapheliyo lwamaphepha. Oko kwathiwa, abanye ababolekisi benza okugqithiseleyo ngokuphindaphindiweyo xa ufumana ukuqinisekiswa, ngoko ke le nkqubo ihamba ngokukhawuleza kunokugqithisa ngokupheleleyo.
Ithemba lo buxoki? Qaphela ukuba abanye ababolekisi bathi banokukuvakalisa ngaphandle kokujonga ngokwenene imali yakho. Ukuba abayisebenzisi ngetyala lakho okanye babuze malunga neholo lakho, kuyisimboli esibi. Ukuze ipropproval ithetha into ethile, kufuneka ihlolisise ngokuqinisekileyo ukuthenga ngetyala. Akunakulungi ukufumana "ukuqinisekiswa" kuphela ukufumanisa ukuba kufuneka uqale ngaphaya (kuba awukwazi ukuboleka phantse kunokuba uthembise).
Ukuze ugweme loo ngxaki, sebenza kunye nababolekisi abahloniphekileyo - iibhanki kunye neemanyano zentengo kwingingqi yakho, kwakunye nababolekisi abasemthethweni abakwi-intanethi. Gwema izambatho ze -fly-by-night kunye nanoma ubani othi "siyavuma bonke abantu."