Qonda ukuba ngabaphi ababolekisi bafuna
Ekubeni ukhangela ukuseka i- credit okokuqala, ababolekisi abakwazi ukujonga kumlinganiselo wakho we- FICO ukuchonga ukuba ingahlawulwanga okanye ungakhondi imali.
Kule meko, kufuneka bahlole ezinye izinto ezinokubanceda ukuba bathethe isigqibo sokuba ngaba ungumngcipheko wekhredithi okanye cha.
- Iibhanki zebhanki: Awuyidingi umvuzo wekredithi ukuvula i- akhawunti yokukhangela ebhankini yakho. Ekubeni ingafuneki ukuba inkokhelo ivule, ayikwazanga ukuxelwa kwii- credit bureaus ukuseka nayiphi na ityala. Nangona kunjalo, imbali yakho yeakhawunti ingaba yinxalenye ebalulekileyo xa abathengi bejonga ukukunika ikhadi lekhredithi okanye mboleko ngethuba lokuqala.
- Umlando wezeNgqesho: Enye into ebalulekileyo ababolekisi bemali ngembali yakho yengqesho. Bafuna ukubona ukuba unako ukubamba umsebenzi okanye ukuba kukho ixesha lokungasebenzi. Ukukwazi kwakho ukugcina umsebenzi ozinzileyo kunokuphucula amathuba okufumana imvume.
- Imbali yokuhlala: Ababolekisi baya kujonga ukuba babone kangakanani ukuba uhamba kwaye nokuba urenti okanye uqobo. Njengembali yengqesho, ihlawulela ukuba neendawo ezinokuhlala. Ukufumana ikhaya, nangona nje ngokubambisana nomlingane, kuthwala ubunzima.
- Izixhobo egameni lakho: Ngaphandle kwimbali yamatyala, kunokwenzeka ukuba ubhalise kwizinto ezininzi ezisetyenziswayo egameni lakho. Ukuba nombane wegesi okanye wegesi, umnxeba, i-cable okanye inkonzo yamanzi egameni lakho inceda. Ukuba nje negama lakho kule akhawunti akuyi kubeka amanqaku ekhredithi, kodwa kunokuba luncedo kubaboleki bokuqala.
Qala ngeBhanki Yakho
Kukho izinto ezimbalwa onokuzenza ukuze ukwandise amathuba akho okuseka i-credit. Into yokuqala ukuvula nokugcina ukutshekisha kwaye mhlawumbi ne- akhawunti yokulondoloza ebhankini. Oku kunceda ngeendlela ezimbini. Xa unayo i-akhawunti yasebhanki esebenzayo ngokuma kakuhle, uqinisekisa ukuba unokulawula imali. Ukuseka ubudlelwane nebhanki kuphucula amathuba akho okufumana umboleko okanye ikhadi lekhredithi. Ukuba usenokwenza ibhizinisi kunye nebhanki, kufuneka ibe yindawo yokuqala yokujonga. Bayazi kwaye baxabisa ishishini lakho. Ubu budlelwane obukhoyo bufanele bunzima xa befuna iitaliti.
Faka isicelo kwiCandelo leKhadi lokuThengwa
Mhlawumbi uye uthengisa kwindawo yokuthengisa kwaye ubucelwa ukuba ungathanda ukubhalisela kwikhadi lekhredithi yabo yesitoreji ukugcina iipesenti ezili-10 ekuthengeni kwakho kodwa wenqabile ngokuzithoba. Ngokuqhelekileyo, amakhadi esitolo ayingcamango embi ngenxa yokuba akukhanga ngelo phulelo eliphambili, kwaye ke inzala eqhubekayo iphezulu kakhulu.
Ukugwema la makhadi ngokuqhelekileyo kuyinto efanelekileyo, kodwa ukukhululeka kokufumana enye inokuba yinto enhle ukuba unenkathazo yokuseka i-credit. Ukuba uthe wabetha e-bhanki, unokufuna ukuqwalasela ukujonga enye yevenkile yesebe uze ubone ukuba uluphi uhlobo lwamakhadi alinikezayo.
Ukuba uvunyiwe, kufuneka uqeqeshwe kwaye uyisebenzise ngokufanelekileyo. Musa ukuphatha eli sixhobo lokuthenga njengemali; kujonga nje njengendlela yokuseka i-credit card. Umda uya kuba sezantsi, kodwa kufuneka usebenzise okokuqala ukuthenga kunye nokuhlawula imali ngokugcwele. Emva kokuba ikhadi lisebenza, kufuneka liqale ukuxelwa kwii-credit bureaus. Gcina imbali efanelekileyo yentlawulo kule khadi ukuze umlando wakho wekhredithi uyakhe phezu kwayo.
Xa Zonke ezinye zihluleka
Ukuba uthe wazama ibhanki, ivenkile yesebe okanye nakwiinkampani zekhadi lesikweletu ngokuthe ngqo kwaye zahluleka, akusizo zonke ezilahlekileyo. Ikhredithi ekhuselekileyo iyona ndlela yokugqibela, kodwa kulula kakhulu ukufumana ngaphezu kwekhredithi engaqinisekanga .
Xa ikhadi lesikweletu okanye umbolekiso ugcinwa, kuthetha ukuba kukho i-asethi edibene ne-akhawunti leyo umthengi angayithatha xa ungaphumeleli ukwenza iintlawulo.
Xa unemali-mboleko okanye imboleko yemoto , ezi zibolekisiweyo . Ukuba uhluleka ukwenza iintlawulo, umboleki uya kuthatha indlu okanye imoto yakho ukuze anelise ityala.
Unokumisela into efanayo kwiibhanki ezininzi ngekhadi lekhredithi elikhuselekileyo elifuna ukuba ubeke imali kwi-akhawunti ukukhusela ikhadi lekhredithi. Ngokomzekelo, unokufumana ikhadi elikwi-credit card elingaphantsi kwemali engama-500 500 xa ubeka idiphozi ye-$ 500 ebhankini edibene nekhadi. Ukuba uyaphula ukwenza iintlawulo zekhadi lakho lesikweletu, ibhanki ithatha idiphozithi yakho. Emva kokuba uqaphele ukuba i-akhawunti inokuma okwesikhashana, unokukwazi ukufumana ikhadi lekredithi rhoqo okanye umboleko.
Ukumisela iNgxowa-mali kuphela yinyathelo lokuqala
Ukuseka imbali yamatyala efanelekileyo kuthatha ixesha. Akukho zicatshulwa okanye iinqhinga ezingakuthatha ngaphandle kwekhredithi kuwo wonke amanqaku aphezulu kwimeko yeenyanga okanye kwiminyaka embalwa. Amanqaku akho ekhredithi asekelwe kumanani amaninzi, njengembali yokuhlawula kunye nobude bexesha obenayo ityala, phakathi kwamanye amanyathelo. Ngoko emva kokuba usuphumelele ukusekwa ngetyala, kubalulekile ukwenza izinto ezifanelekileyo ukugcina amanqaku amanqaku okuthenga ngetyala. Njalo uhlawule ubuncinci ubuncinane ngenxa yosuku olufunekayo kumakhadi-mboleko kunye nemali-mboleko yemoto kunye nemali-mboleko kwixesha.