Yintoni i-Letter Reference Reference?
Incwadi yereferensi yerejista yileta ichaza imbali yakho yentlawulo kunye neshishini osebenze ngayo ngaphambili.
Ileta inokunika iinkcukacha ezongezelelweyo malunga neakhawunti yakho, njengobungakanani bobudlelwane bakho kunye nohlobo lwenkonzo oyisebenzisayo. Ukuba usemva kweentlawulo (okanye wenza umkhuba wokuhlawula ngokukhawuleza), le leta kufuneka ifake loo ngcaciso. Ileta iya kuvela kumnikezeli wakho wenkonzo wangaphambili (okanye oqhubekayo) kwaye uye kumboneleli wakho wenkonzo entsha.
Incwadi yerejista yokunikwa ngetyala ingakunceda ukuba uvumeleke kwiinkonzo ngokusekelwe kwindlela osebenzelana ngayo nabathengi abaye basebenzisa ngaphambili. Umlobi wencwadi uthi "uyayivuma" kuwe, kwaye umyalezo ofumana umyalezo uyakhuthazeka ngakumbi ngokunyusa isikweletu. Ezi ncwadi zibizwa ngokuba ziincwadi zetyala elifanelekileyo okanye "ukuma okuhle."
Kuyafana neengxelo zekredithi? Iingxelo zakho zeentengo zemboleko zifana neleta yereferensi yeekhredithi, kodwa kukho ukungafani okubalulekileyo. Iingxelo zeNgxowa ziqulethe ulwazi oluqokelelwe kwimithombo eyahlukeneyo (loo datha ibandakanywa kwiziko leentengo zemboleko ), kwaye zixhomekeke kwimithetho ekhuselweyo yokukhusela abathengi.
Ileta yesetyenzisiweyo yemboleko yinto engacwangciswanga, kwaye ihamba ngokuthe ngqo ukusuka kweshishini elinye ukuya kwelinye. Ngaphezu koko, ezi ncwadi zinobuchule bokuseka i-credit yekhredithi.
Kutheni Ufuna I-Letter Reference Reference
Amanqaku eemeko kunye neengxelo ziqhelekileyo zisetyenziselwa ukuboleka imali, kodwa asiyiyo isisombululo esifanelekileyo kuyo yonke imeko.
Iinkonzo zenkonzo: Xa ubhalisela iinkonzo ezifana negesi, amanzi, umbane, okanye inkonzo yefowuni, unokufuna ukunika ileta ukuze ufumane inkonzo. Abo bazinikezeli bafuna ukuba wenze idiphozithi ngaphambi kokuba unike iinkonzo, kodwa kunokwenzeka ukuba ufumane idiphozithi imfuneko ukuba unokubonisa ukuba unembali yokuhlawula ababoneleli ngeenkonzo ngexesha elifanayo. Ababoneleli ngeenkonzo abaqhelekanga ukusebenzisa iingxelo zemveli zentengo-abayibizi iintlawulo kwiimali-mboleko zemali-mboleko, kwaye abaceli izikolo zemali-mboleko. Kodwa unokuba luncedo kwiileta zokutyala ngekhredithi ezifeza into efanayo njengemilinganiselo enetyala yekhredithi.
Imboleko yemicimbi yezo shishino kunye nabathengisi: Amanani ekhredithi yemveli njengamanqaku ekhredithi ye-FICO anceda abantu abathengi ngemali mboleko, kodwa asebenzisanga iimali-mboleko zoshishino (ngaphandle kokuba usebenzise i-credit card yakho ). Iimpawu zeentengo zemboleko zoshishino zikhoyo, kodwa amashishini amaninzi akanayo amanqaku ekhredithi - okanye amanqaku aphantsi. Abathengi bazimisele ukunyusa inkokhelo efana neentlawulo ezingama-30 okanye ezingama-60 zokuhlawula ngokusekelwe kwiingxelo ezivela kwabanye abathengisi. Izikhombisi zakho ezinkulu kunye neyona zihloniphekileyo, zibhetele. Xa unako ukusebenzisa i-credit, kulula ukulawula ukuhamba kwemali nokuguqula impahla kwimali.
Ikhredithi enganeleyo: Awufanelekile ukufumana iimali-mboleko usebenzisa izikolo eziqhelekileyo zemali-mboleko, kodwa ezinye iifom zekhredithi zingakunceda ukuba uvumeleke. Mhlawumbi awuzange usungula imbali yamatyala eqinisekileyo , okanye izikolo zakho zemali ziphantsi kakhulu ukufumana iinkqubo ezithile. Kuloo meko, iteksi yerejista yokunikwa ngetyala inokukunceda. Ngokomzekelo, unako ukuboleka ukuthengwa kwekhaya kunye nokubhala phantsi kweencwadi kunye neenkcukacha zokuthenga ngetyala.
Indlela yokufumana i-Letter Reference
Qinisekisa iimfuneko: Ukusebenzisa iteksi yereferensi ye-credit, cela entsha (okanye ikamva) okanye umnikezeli wesevisi oko kuyifunayo kwileta. Ileta engahambelani nale mfuno ayiyi kukukwenza. Kwezinye iimeko, ababoleki kunye nabanikezeli benkonzo banikezela itemplate ukuba ababoneleli bakho basekudala (okanye abaqhubekayo) bazalise.
Ezi fom zenza kube lula ukukhusela iinkcukacha ezibalulekileyo.
Cela unobumba: Qhagamshelana nomniki-nkonzo wakho okhoyo okanye iqabane kwaye ucele incwadi yereferensi. Ukubonelela nayiphina ithemplate okanye imiyalelo oyifumene kumceli wencwadi, kwaye ubuze ixesha elide lokulinda ileta ebuyisiwe. Ukubonelela isampula (okanye itemplate ephathekayo) kuya kwenza umsebenzi kube lula kumlobi wencwadi.
Ukunikezela igunya: Ukukhupha iinkcukacha malunga ne-akhawunti yakho, umbhali wencwadi uya kufuna imvume yakho ngokubanzi. Kwiimeko ezininzi, unokunikezela ngokugunyazwa kwikhompyutha okanye ngefeksi. Jonga kunye nomlobi wencwadi, njengoko kunokufuna ukuba usebenzise iifom zabo kwisicelo.
"Hayi" inokwenzeka: Ababolekisi, ababoneleli ngeenkonzo, nababoneleli abafunayo ukuba banikele ngerejista yakho egameni lakho. Ngenxa yoko, kukulungele ukubuza kakuhle kwaye wenze umsebenzi wabo ube lula - bayakwenza. Ukuba umboneleli wenkonzo ethile akayi kufumana isicelo sakho, kunokukho ezinye iindlela zokubhala umlando wakho wokuhlawula (jonga ngezantsi).
Oko kufaka
Kwakhona, ileta yomceli kufuneka icacise ngokuchanekileyo ukuba ifake ntoni kwileta. Ngaphandle kokuba umceli athumele ifom, incwadi kufuneka ifakwe kwiphepha lencwadi yombhali. Ezi zinto zibaluleke kakhulu:
- Ubude bentsapho: Ude ube ngumthengi kangakanani?
- Imbali yokuhlawula : Ngaba udla ngokuhlawula ngexesha, kwaye ngoku ungasemva kweentlawulo? Ingaba kukho naziphi na iintlawulo emva kweenyanga ezilishumi elinesibini ezedlulileyo?
Nangona kunjalo, ezinye iinkcukacha zihlala zikunceda (kwaye ziceliwe).
- Uhlobo lwenkonzo: Ziziphi iimveliso kunye neenkonzo ozithenga kumbhali wencwadi (nokuba ngumgca wesikweletu , umbane wendawo yokuhlala okanye i-inventory)?
- Imigaqo yesikweletu: Ngaba isivumelwano sakho sifuna ukuba uhlawule emva kweentsuku ezingama-30, umzekelo?
- Idilesi yenkonzo: Ngokukodwa ukusetyenziswa kweenkonzo , idilesi kunye nohlobo lwenkonzo kubalulekile. Iithayibhile ezininzi aziyiyo ingxaki (ukuba uhambise amaxesha amaninzi ngelixa usebenzisa umnikezeli omnye).
- Amanani e-Akhawunti: Amanani e- akhawunti enza kube lula ukulandelela nokuqinisekisa iinkcukacha.
- Inani leentlawulo eziqhelekileyo: Abacebisi bangathanda ukwazi ukuba ujwayele ukwenza iintlawulo ezinkulu.
- Intlawulo yenani leentlawulo: Ingakanani uhlawule ngaphezu kobomi bobudlelwane bakho? Oku kunceda abaceli ukuba balinganise ubungakanani bobudlelwane bakho kunye nokuhamba kwemali.
- Iintlawulo ezihlawulezileyo: Ngaba wenze iintlawulo zexesha elidlulileyo kwixesha elidlulileyo (ngokukhawuleza nje ukulibaziseka kwezinto ezingaphezulu kweentsuku ezingama-30)? Ukuba kunjalo, mangaphi amaxesha?
Zinyaniso nje
Ngona nxalenye ininzi, iteksi yereferensi iya kunamathela kwii nyaniso ezicelwe ngaphandle kokuphawula. Ungalindeli ukuba umbhali wencwadi uthi ungumntu omhle okanye ube ngumlingane oxabisekileyo (nangona oko kwenzeka).
Amashishini ayanqikazi ukuthetha okungaphezu kokufunekayo. Ukuba bathi "awukwazi ukungahambi kakuhle" ngokukhulisa i-credit, babeka umngcipheko kwimeko apho ungaphumeleli ukubuyisela. Ukuba ubhala incwadi yerejista yeekhredithi, nikela ngolwazi oluchanileyo, kwaye ugweme ukubikezela kunye neengxelo ongeke ukwazi ukuzixhasa ngeenkcukacha.
Ezinye iifomu zoqinisekiso
Ukuba awukwazi ukufumana iingxelo zemali-mboleko ozifunayo, kunokukho ezinye iindlela zokubonisa ukuzinza kwezemali okanye ukufumana imvume oyifunayo.
- Bonisa ubungqina bemivuzo: Ukuhlawula iintlawulo kunye neentlawulo zeerhafu (mhlawumbi kunye neleta evela kwi-preparer yakho yentela) unokubhala i-earnings yakho, enokuthi iguqulele ukuba ukwazi ukwenza iintlawulo.
- Iimpahla zamaxwebhu: Ukuba unempahla ebalulekileyo kwiibhanki zebhanki nakwamanye ama-akhawunti, ababoleki kunye nabanikezeli benkonzo bangathanda ukusebenzela nawe. Kungenzeka nokuba kunokwenzeka (okanye kuyadingeka) ukubambisa ezo zinto njengezibambiso.
- Sebenzisa i-credit yakho: I-credit card yakho inokukunceda ukuba ufanelekele ukuboleka imali kunye nezinye iirhafu zoshishino. Ngabantu abaninzi ababolekayo, ngokwenene kufuneka ukuba wenze isiqinisekiso somntu siqu kwiimali-mboleko zoshishino , oku kuthetha ukuba i-credit yakho (okanye i-asethi yakho) iyingozi xa ungaphumeleli ukuhlawulwa kwemboleko.
- Bonisa iinkcazo zakho: Umboneleli wenkonzo akanakho ukuvuma ukubonelela ngencwadi yerejista yeetyala, kodwa oko akuthethi ukuba iintlawulo zakho zazingenanto. Unokuzama ukubonisa iingxelo zembali ezigcwele iintlawulo zexesha-mali kumceli. Nangona kunjalo, oku kufuna ukuba umceli ahlaziye ngokuzenzekelayo yonke into (oko kungenxa yokuba bakhetha incwadi evela kumnikezeli wenkonzo yangaphambili).
- Yenza idiphozithi: ngamanye amaxesha idiphozithi enkulu yindlela yakho kuphela. Emva kwexesha lokuhlawulwa kwexesha, unokukwazi ukufumana idiphozithi ibuyiselwe okanye ihlawulwe kwi-akhawunti yakho.
- Sebenzisa umququzeleli: I-cosigner ingakunceda ufumane imvume kwimboleko okanye ufumane iinkonzo. Loo mntu uza kusayina isivumelwano kunye nawe, kwaye amanqaku kunye neengeniso zabo zemali ziya kufakwa kwisigqibo sokuvuma. Ngokuqinisekisa ukuhlawulwa kwemali, i-cosigner ithatha umngcipheko omkhulu - baya kuba ngama-100 ekhulwini abanomsebenzi wokwenza nayiphi na intlawulo eningayenziyo.
Umntu okanye Ubungqina bemizekelo
Incwadi yereferensi yeekhredithi iyahluke kwireferensi yomntu okanye yomntu. Abanye ababolekisi, ngokukodwa kwimakethe yemali-mboleko ye-autoprime , cela ezo zikhokelo. Nangona kunjalo, ukubhekisela kwento yakho akuchazi imbali yakho yentlawulo - bathi nje unoxanduva kwaye kufuneka ufumane mboleko.
Ekubeni ufika ukhethe kwaye ukhethe iingxelo zakho zemali-mboleko, unokusebenzisa abantu obaziyo baya kuthetha okulungileyo ngawe. Nangona kunjalo, awufumani ukuba ukhethe inkampani yombane kwindawo yakho, ngoko oko kungumthombo ongenamkhethe wolwazi.
Iileta zeeNkcukacha zoTyala zeMatyala
Iileta akudingeki ukuba zide okanye zibhaliswe kakuhle. Yonke into ebalulekileyo kukuba uquka iinkcukacha eziceliwe.
Isampula 1:
I-XYZ Inkampani iye yaba ngumthengi ukususela ngo-2008. Ngelo xesha, inkampani iye yenza iintlawulo ngokupheleleyo kwaye ngexesha. Asinayo nayiphi irekhodi yokuhlawulwa kwexesha elide okanye ezinye iimfuno ezivelele.
Isampula 2:
UJane Doe uye waba ngumthengi wethu ukususela ngo-2008, kuthengwa iimpahla kwiintsuku ezingama-30 zokuhlawula. Ukususela ngelo xesha, uhlawule imali eyi-189,537. Akakaze enze intlawulo emva kwexesha, kwaye asizange siyeke ukumisa i-akhawunti yakhe ngokungenayo intlawulo.
Isampula 3:
Inkampani ye-ABC inomgca wekhredithi ukuya kuma-$ 200,000. Ibhalansi yesikhokhwayo yangoku kwilo li-$ 8,542. Njengoko oku kubhaliweyo, zonke iintlawulo zifunyenwe ngexesha kunye ngokupheleleyo. Asibonisi nayiphi na intlawulo emva kwexesha.
Ngubani onokunika iNgxelo?
Umthengisi wakho omtsha okanye umnikezeli wesevisi uya kugqiba ukuba zeziphi iingqinisiso zamkelekile. Kwezinye iimeko, kuya kufuneka usebenzise uhlobo olufanayo lwenkcukacha: Inkampani enombane ingafuna ileta evela kumboneleli wakho wangaphambili wombane. Nangona kunjalo, unokukwazi ukudweba kwimithombo ethile.
- Izixhobo ezinjengegesi, amanzi, umkhumbi, umbane kunye nodoti
- Ababoneleli bezonxibelelwano ezifana nefowuni, i-intanethi, ikhebula kunye ne-satellite
- Ababolekisi (iimali-mboleko zemali, iimali-mboleko zasekhaya, kunye nokunye)
- Abathengi kwi shishini lakho
- Iinkampani zomshuwalense ozihlawula iiprayimari eziqhelekileyo
- Abanikazi bezindlu kunye nenkampani yokuqeshisa
- IiGyms kunye nezinye iinkonzo zokubhalisa