Kuzo zonke izinto ezichaphazelekayo ngamanqaku akhokredithi, usenokungacingi ukuba idlala inxaxheba kwinkqubo yokuqeshisa, kodwa yenzayo, ngendlela ephezulu. Abanye abanikazi bezindlu banokukhanyela isicelo sakho sokuqashisa ukuba unayo i-credit blotchy, nangona unembali yokuqashisa engenabala kunye nomvuzo omkhulu. Abanye bangakhangela kuphela i-credit yakho ukuba babone ukuba unokuxoshwa kwangaphambili okanye enye into echaphazelekayo yokuqeshisa kwingxelo yakho yekhredithi.
Ukuba unenkxalabo yokuba umlando weebhanki ezimbi uya kukugcina ekufumaneni indawo yokuhlala kuyo, kukho ezinye iindlela.
1. Yazi Yintoni kwiNgxelo yakho yeMali
Hlola ingxelo yakho yekhredithi ngaphambi kokuba uqale ukuzingela indlu ukuze wazi ukuba yintoni kwimbali yakho yematyala. Unemibiko yengxelo ngeentengo ezinkulu zeentengo zemboleko kwaye kufuneka ukhangele zonke iingxelo zeebhanki zakho emva kokuba umninimzi unokujonga nayiphi na. Ukuba ubona naluphi na ulwazi olungalungile, ngoku lixesha lokusebenzisa inkqubo yokubambisana neengxelo zemboleko ukuze uphutshwe iimpazamo. Ulwazi oluncinci olungenambi onalo kwingxelo yakho yemali-mboleko, kungcono amathuba akho ekufumaneni imvume kwihostela.
Ngaphantsi, kufuneka ukhangele ingxelo yakho yekhredithi ukuze uqaphele ukuba ngubani umninimzi oyakubona xa bekhangela i-credit yakho. Awufuni nantoni na.
Khangela iindawo zokuqashisa ezingabonakali ngetyala
Indlela efanelekileyo yokufumana indlu xa unesikolo sikhokhwe esibi ukufumana umninimzi ongenakwenza ukuhlolwa kwekhredithi.
Ngokuqhelekileyo, izakhiwo zezindlu zineenkampani ezinkulu zolawulo lwepropati ezifuna ukuhlolwa kwekhredithi kuzo zonke izicelo. Ezi ntlobo zeendawo zokuhlala ziyakuthi zigule xa unetyala elibi. Kunoko, jolise iipropati zabanikazi bomhlaba ngabanye abahlala bengakhange bahlole i-credit okanye ngubani na ongathanda ukubeka umngcipheko kumqeshi ongenazo iimbali zembali yamatyala kodwa unembali yokuqashisa eyiyo kunye nengeniso eqinile.
Nazi iindawo ezimbalwa zokufumana irente.
Hlola i-Craigslist.org, uludwe oluhlelwe kwi-intanethi. Kwicandelo lezindlu leCraiglist, abanikazi bezindlu bavakalisa iindawo zokuqeshisa (izindlu, ii-condos, izindlu zedolophu kunye nezindlu) zikhoyo. Qinisekisa ukuba ukhangela kwisixeko sakho. Kwiminyaka edlulileyo, bambalwa kakhulu iipropati eziphathekayo zokuphatha indawo ezidweliswe apha kwaye kwakulula ukufumana abanikazi bomhlaba ngabanye. Ngoku uya kufumana zonke iintlobo zokurenta kumxube. Abanikazi bezindlu basakhangisa apha, kodwa kuya kufuneka uhlaziye uluhlu oluninzi lweenkcukacha zokuzifumana.
Icandelo elichazwe kwiphephandaba lakho lendawo (okanye elo lommandla unomdla wokufudukela kulo) yindawo enye apho abanikazi bepropati bhengeza ngokuqeshisa. Iphepha leCawa lidla ngokuba neentengiso ezininzi. Amaphephandaba amaninzi afakwe kwiintengiso ezifakwe kwi-intanethi, kwakhona, qwalasela olu khetho ukuba uhamba ngaphandle kwedolophu.
Hlola kunye nabasemagunyeni beendawo ezihlala kwindawo yakho ukufumana indlu, idolophu, idolophu okanye indlu yokuhlala. Abaninzi abaninikhaya, ngokukodwa abo baphila ngaphandle kwedolophu, basebenzisa abameli bezindlu ukuba baqeshe amakhaya abo.
Hlola indawo ohlala kuyo ofuna ukuya kuyo . Abanini bezindlu bangaqeshisa amakhaya abo kwaye banokumemezela kuphela ngesayinari okanye ngegama lomlomo.
Shayela malunga nommandla ujonge "iimpawu zokuthengisa" kwaye ucele abahlobo namalungu entsapho ukuba bayazi nabani na onokuqeshisa ikhaya labo.
Unokuziva uzikhuphe ngaphandle kweendawo zokuhlala ukuze uhlole ukuba ngaba bahlola ityala. Njengoko ubuza malunga nendawo yokuhlala, cela umninimzi ukuba yeyiphi imigaqo esetyenziswayo ukuvumela abaqeshi ukuba baqeshwe. Ukuba i-credit check is not one of them, ngoko unento encinane engakhathazeki ngayo. Nangona kunjalo, ukuba kukho ithenkethi echaphazelekayo, unokhetho olongezelelweyo lokufumana imvume.
3. Fumana ikhuthazwe
Ukufumana umntu ukuba aqinisekise ukuba uxanduva lwakho lwemali lunokunceda ukunciphisa impembelelo yokungena embi kwingxelo yakho yekhredithi . Abaqhagamshelana nabo obanobudlelwane bezemali - abanikazi bezindlu zangaphambili, ibhanki yakho, abaqeshi bamanje / abadlulileyo-kwaye bacele incwadi yereferensi.
Uvumelekile ukuba unqatshelwe ukuba ungekho umvuzo ongekho phantsi, ngokukodwa kwabanye abanikazi bezindlu okanye iinkampani zesevisi. Ukuba uthe wadlulela ngenxa yeengxelo zeengxelo zemali , zihlawule kwaye ufumane ibhizinisi ukuba ubhale ileta okanye uprinte ingxelo ebonisa ukuba i-akhawunti ihlawulwe ngokupheleleyo.
Nciphise ukungabi nalutho kwe-credit report yakho ngetekisi ecacisa imeko ebangela ukuba iingxaki zakho zemali zenze ukuba umnini-ndawo aqeshe kuwe. Ukwahlukana, iindleko zonyango , kunye nokulahleka komsebenzi ziimeko eziqhelekileyo ezikhokelela kwingxowa-mboleko embi. Qinisekisa ukuba itekisi yakho ichaza indlela uhlambulule ngayo imali yakho kwaye kutheni unokusingatha ukuqesha.
Qaphela malunga neemeko osebenzisa ngayo iincwadi zokucebisa. Ukuba umnini-mhlaba akaqapheli i-credit yakho kwaye akayizi iimbali zakho zemali-mboleko, unokungaxakeki ngokungadingekile xa umnika ileta ichaza iingxaki zakho zemali ezidlulileyo. Abanikazi bezindlu kufuneka bafumane imvume yakho ngaphambi kokukhangela i-credit yakho, ngoko akuyi kuba yinto emangalisa xa besenza.
4. Yiba ne-Steady, Inikezelo yeNgeniso
Ingeniso eyaneleyo inokukhupha umlando weebhanki . Okokuqala, kufuneka wenze malunga neethathu ukuya kwezine ngezikhethi zenyanga. Hhayi nje ukuhlangabezana neemfuno zomnini-mhlaba, kodwa ukuqinisekisa ukuba unako ukuhlawula iintlawulo zenyanga zentlawulo. Okwesibini, udinga ubungqina obuqinileyo bomvuzo wakho. Iinyanga ezimbini okanye ezintathu zokuhlawula imali ezibonisa ukuba umvuzo wakho ozinzile usoloko unele.
5. Yiba ne-Co-Signer
Ukufumana umntu ukuba asayine umnqweno wakho uqeshiso. Umnxibelelwano wakho uzakufuna ukuhlangabezana neziqinisekiso zeemboleko eziyimfuneko ukwenzela ukuba bafune ukuba netyala elifanelekileyo.
Gcina ukhumbule ukuba ukuba unqumla kwirenti yakho okanye ukhutshwa ngaphandle kwesizathu, umnini-mhlaba unokuhamba ngokusemthethweni emva kokubhalisela umnxibelelwano ngexabiso leqeshiso. Sebenzisa enye i-credit card ngokukhawuleza kwaye uqaphele ngaphezu kwayo.
6. Yilungiselele ukuhlawula ngaphezulu
Ingaba unako ukuhamba malunga nekhredithi yokuthenga ngetyala okanye ufumene idilesi ngaphandle kwembali yakho yekhredithi, lindele ukuhlawula imali ngaphezulu. Unokufuneka uhlawule idiphozi ephakamileyo yokhuseleko okanye phakathi kweenyanga ezintathu neenyanga ezintathu zokuqeshisa ukuze uhambe kwihostela yakho entsha.
Ukuba awunayo ikhredithi engcono kwaye uya kuhamba kwikamva elikufutshane, qalisa ukubeka imali eceleni uze uqale ukukhangela indawo entsha ngokukhawuleza. Ngokukhawuleza uqala ukukhangela, ixesha elide kufuneka ulungiselele.
Indlela yokufumana indlu ephantsi.