I-Score yakho yeMboleko ingaba nefuthe ngokutshintshela amabhalansi
Phantse zonke iikharityhulam ezinkulu zekhredithi ubunenani elilodwa kwikhadi lesikredenti elinokukhushulwa kokutshintshela ibhalansi okuza kukuvumela ukuba ungabhataleli inzala kwibhalansi ubuncinane ngeenyanga ezintandathu. Ukuba okwangoku uhlawula umyinge omkhulu wenzala kwenye yamakhadi wakho ekwereta, unokungena kwisithuba sokufaka isicelo sokukhawuleza ukutshintshela ikhadi lekhredithi kwaye uhambise ibhalansi yakho. Ukwenza ukutshintshwa kwemali kungakunceda ugcine imali kumdla, kodwa kunokulimaza amanqaku akho .
Indlela Ikhredithi Yakho Yemali Yingakanani
Okokuqala, makhe sijonge indlela amanqaku ekwereti abalwa ngayo. Amanqaku akho ekhredithi ibalwa ngokusekelwe ezintweni ezinhlanu ezisisiseko kwiimilinganiselo ezahlukeneyo: umlando wokuhlawula, inqanaba lesetyala, iminyaka yobudala bentengo, umxube wekhredithi kunye nezicelo zemali zentengiso yakutshanje. Ukutshintshwa kwekhadi lokuthenga ngetyala kungathintela amanqaku akho kwikhredithi kule mimandla: inqanaba lesetyala, iminyaka yobudala beebhanki, kunye nezicelo zemali zamva nje.
UkuTshintshiselana kweMali kunye nokuSebenziswa kweMali
Amanqaku akho ekhredithi aqwalasela izilinganisi zekhadi lakho lesikweletu ngokumalunga nemida yokuthenga ngetyala (le mali iyaziwa njengetyala lakho) kunye nezilinganisi zakho zamanani ezikwereti zekhredithi ngokuthelekiswa nomlinganiselo wakho okanye umyinge wemali. Le nxalenye ingama-30% emanqaku akho ekhredithi. Ukuphakanyiswa kokusetyenziswa kwekhredithi, oku kuthetha ukuba izikali zakho eziphakamileyo zithelekiswa nomda wabo weekhredithi, i-score your down score will be.
Ukuba udlulisela ibhalansi kwikhadi lesikweletu elinomlinganiselo osezantsi wekhadi kunekhadi elidlulileyo, ukusetyenziswa kwakho kwetyala kuya kukwenyuka kwaye ungalahlekelwa ngamaphuzu amanqaku ekhredithi.
Ngethamsanqa, unokuphinda uphinde ulahlekelwe amaphuzu amanqaku ekhredithi ngokuhlawula ngokukhawuleza ibhalansi yakho. Ngokufanelekileyo, izilinganisi zekhadi lakho lokuthenga ngetyala kufuneka zibe ngaphantsi kwe-30% yomda wemali.
Ukutshintshwa kweeNgcaciso zeeNkcukacha zeeKharityi zeMatyala
Ubudala bemali-mboleko kuthatha ixesha elingakanani usebenzisa i-credit kunye nokubala kwe-15% yemali yekredithi.
Le nxalenye yekhredithi yokulinganisa ukulinganisela ukulinganisa ubude beakhawunti yakho yekrediti kunye nexesha le-akhawunti yakho endala. Ukuba ukhumbule umlinganiselo ukusuka kwizibalo zamabanga esikolo, ungabona indlela yokuvula iakhawunti entsha yamakhadi ekhredithi iya kunciphisa umyinge weminyaka yobudala bemali. Kuyafana nendlela ibakala elivakalayo lokuvavanya liza kuhlawula ibakala lakho lilonke kwiklasi.
Ukutshintshela ibhalansi yekhadi lakho lekhredithi kwi-akhawunti evulekileyo ayiyi kulimaza amanqaku akho ekhredithi ngokweminyaka yobudala. Nangona kunjalo, ukuba uvula ikhadi elitsha lekhredithi, ubudala bakho beminyaka-mboleko buya kuncipha.
Izicelo zoTshintsho lweeMali zeCredit Credit Cards
Mhlawumbi uyazi ukuba uphando ngamnye lwekhredithi lwenza i-dent encane kwinqanaba lakho lesikredenti. Ekubeni izicelo zentengo zamatyala zangoku zi-10% zemali yakho yekhredithi, ukufaka isicelo sokukhawulwa kwekhadi lesikweledu kungenza ukuba amanqaku akho ekhredithi ahlahle. Kuphela isicelo sichaphazela umlinganiselo wakho wekhredithi, kungeyiyo imiphumo evunyelwe okanye yokuphikiswa .
I-FICO, abaphuhlisi be-credit-used score, bathi le mibuzo ibuhlungu ngokukodwa kwinqanaba elingaphantsi kweekhredithi okanye ngaphantsi kuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi. Enye into entle kukuba yiminye imibuzo evela kwiinyanga ezili-12 ezidlulileyo izakuphazamisa amanqaku akho.
Ukulinganisela Ukudluliselwa Kubandakanya Okungaphezulu Kwezinto Zemali
Nangona ukudlulisela ibhalansi kunokuchaphazela amanqaku akho ekhredithi, unokuphinda uphinde uphinde ufumane amaphupha alahlekileyo ngokuhlawula ngexesha, ukunciphisa ibhalansi yakho kunye neentlawulo ezingaphantsi kwexesha eliphantsi, kwaye ulinde ngaphambi kokuba wenze izicelo ezintsha zekhadi lesikweletu.
Musa ukulawula ukuhanjiswa kwemali ngenxa yempembelelo enokubakho kumanqaku akho. Cinga kwakhona malunga neendleko zokutshintsheliswa kwemali kunye neendleko zokungabikho ukuhanjiswa kwemali ukuze uncede wenze isigqibo sakho.