Ababoleki bachaza ababolekayo abanokubakho kwiindidi zibini: i-prime ne-subprime. Ngokuqhelekileyo, kulula kakhulu ukufumana izicelo ezivunyiweyo njengombolekekisi oyintloko kunokuba ngumboleki we-subprime.
Yintoni uMboleki oyiNtloko?
Ababolekisi abaziiNtloko babolekayo abangenakunobungozi bokungagqibekanga kwikhadi lekhredithi okanye kwiimbopheleleko zemboleko. Ukusebenzisa isilinganisi se-FICO ukuya ku-300 ukuya ku-850, ababolekisi bokuqala bafumana amanqaku angaphezulu kwama-620.
Imali yokuthenga ngetyala ngokuchanekileyo kubaboleki abakhulu bangaba phezulu ngokuxhomekeke kumniki-mboleko kunye nesikhokelo sokuthenga imali. Ababoleki abaneengxelo zemboleko kwii-700 kunye ne-800s eziphakamileyo zihlala zibhekwa njengezona ziboleki.
Iinzuzo zokuba yiNtloko yoMboleki
Ukuba ngumboleki oyimali kukukwenza ube ngumntu okhangayo kakhulu umboleko. Ababoleki abanomngcipheko ophantsi kakhulu banako ukuvunyelwa ukuba bathathe inzala ephantsi. Laba babolekayo banokufumana iimvume zemali ephezulu okanye iiminganiso zemali kunye neentlawulo eziphantsi. Inqaku elifanelekileyo lekhredithi linokunika umnini-mali oyintloko ukuba asebenzise amandla amaninzi okuxoxisana ngekhadi lekhredithi kunye nemali mboleko.
Ngoxa abantu ababolekayo ngokukhululeka banakho ukuba izicelo zabo zivunywe, amanqaku aphezulu a matyala awaqinisekisi ukuba avunyelwe. Ingeniso, amatyala, kunye nezinye izinto ezinobungozi nazo ziqwalaselwa. Umbolekekisi oyintloko ongahlangabezananga neemfanelo zabathengi banokuphikiswa kunye nekhredithi ephezulu .
Amanye amaKhawulwa aBalawuli
Ababoleki abangacatshangwanga njengebhondi bangaphinda bahlulwe njenge-super prime, ababolekisi abaneempawu eziphezulu kakhulu zemali-mboleko, oko kukuthi 720 kunye nangaphezulu, kunye ne-subprime, ababolekayo abanomvuzo wabo owela phantsi kwe-620. abobolekayo abanamakhredithi abo amanqaku angabonakali kakhulu kodwa aphantsi nje nge-subprime.
Indlela yoba yiNtloko yeBhanki
Ababbolekisi abaziintloko ngokubanzi banama-akhawunti ambalwa ngokubanzi, ii-akhawunti ezimbalwa, iingxelo ezimbalwa zeentengo zemali, ukusetyenziswa kweekredithi ezantsi, ii-akhawunti ezimbalwa okanye ezingekho kubakho, kwaye akukho zikhohlakeleko zakutshanje.
Unokuphucula ikhredithi yakho kwaye usebenze indlela eya ekubeni ngumboleki oyintloko ngokunciphisa inani leakhawunti ovulekileyo, usebenzisa kuphela isahlulo se- credit card yakho , kwaye uhlawula i-akhawunti yakho ngexesha. Unakekele naziphi na izidanga ezidlulileyo ngenxa yokuba abaqhubeki ukuba balwe nawe. Gwema ukuvumela iakhawunti ukuya kwiiqoqo. Ngaphandle kweengxelo ezingavumelekanga kubhalwa kwii-credit bureaus, njenge-utility okanye ibhilikhi yezokwelapha, inokuphelisa i-arhente yokuqokelela kunye neengxelo zakho zemali ukuba awuhlawuli i-akhawunti.
Ukuboleka xa Ungeyena uMboleki oyiNtloko
Unako ukuvunyelwa kwamakhadi kunye netyala-mboleko xa ungesiboleki. Nangona kunjalo, awuvumelekanga ukuba uphumelele kwimigangatho efanelekileyo kakhulu. Ngokomzekelo, unakho ukuvunyelwa kumlinganiselo ophantsi wesikolodo okanye umyinge-mboleko, inzala ephezulu, okanye zombini.
Ukuba nenkokhelo enkulu ngeentlawulo zemali okanye iimali-mboleko zemali kungakunciphisa umlinganiselo wakho wenzala kwaye kukuvumela ukuba uthenge indlu okanye imoto yemali ephezulu.
Umququzeleli ongubolekayo oyintloko unokuncedisa ukuba uvumeleke ukuba ube nemali ephezulu yemboleko okanye ufumane inzala engaphantsi.
Ukubambisana kuyingozi , ngoko qaphela ngokucela omnye umntu ukuba afake isikweletu sakhe kumgca wakho.
Sebenza ekuphuculeni i-credit yakho ngaphambi kokufaka isicelo semboleko. Ukuba unokulibazisa ikhadi lakho lesikweletu okanye umbolekiso, unokuchitha ixesha lo kusebenza ukuphucula ikhredithi yakho.
Qalisa imizamo yakho yekhredithi ngokuyalela iingxelo zeentengo zemboleko kwiivenkile ezintathu zeentengo zemboleko. Ukuhlawula nayiphi na i-akhawunti engabonakaliyo kunye nokunciphisa izilinganiso zakho ukwakha amanqaku angaphezulu kwekhredithi. Gwema ukuvula nayiphi na i-akhawunti entsha kwiinyanga ngaphambi kokuba ufake isicelo semboleko. Ukuthatha ityala elitsha ngaphambi kokuba ufake isicelo semboleko kukukwenza ube ngumntu okhupha umboleko wemali mboleko, nokuba ngaba ungumboleki oyintloko.