Ukwakha ikhredithi ngokukhawuleza xa uneminyaka engumntu oyintloko ukuba ugweme ii-snag njengoko uhamba ubomi bemihla ngemihla. Ukusebenzisa amakhadi ekhredithi ngokufanelekileyo ngenye yezindlela ezilula zokuqala ukwakha isikweletu. Nangona kunjalo, ukuba unxamnye namakhadi-kredari okanye ukhetha ukungayifumani, ukwazi indlela yokwakha i-credit ngaphandle kwekhadi lesikweletu kuyinto efunekayo. Kunokwenzeka ukwakha ikhredithi ngaphandle kwekhadi lesikweletu, kufuneka uthabathe indlela eyahlukileyo.
Qaphela ukuba kungabi nekhadi lekhredithi kunokubamba iqela lakho lokuthenga ngetyala- iipesenti ezili-10 zomlinganiselo wakho wekredithi zisekelwe kwiintlobo zeakhawunti onamava. Ukubonisa unokuba nexanduva kunye namakhadi ezikrediti kunye neengxowa-mboleko zentengo yezona zinto zilungele ukufumana amanqaku akho. Ukungabikho kwamakhadi ekhredithi kwimbali yakho yeebhanki akuyi kukubangela ukuba ube neklasi lehlelwa ngamatyala. Emva kwakho konke, iipesenti ezili-10 kuphela zamanqaku akho ekhredithi.
Eminye yokusebenzisa amakhadi ekweretheni ukwakha amanqaku okuthenga ngetyala kukusebenzisa imali mboleko, ingakumbi enye evela kumboleki obika ingxelo ubuncinane kwenye yezona zintathu ezinkulu zemali-mboleko. Imbali yakho yentlawulo yemboleko kufuneka ibonise ingxelo yengxelo yakho yekredithi ukukunceda ukuba wakhe amanqaku ekhredithi. Ezinye iingxowa-mali zinzima kunokuba zenzeke kunabanye, ngoko kunceda ukwazi okukhethwa kukho.
Qala ukuhlawula iNgxowa-mali yakho yomfundi
Imali-mboleko yezikolo zaseburhulumenteni zinikezelwa ngokukhawuleza ukuya kwisixa esithile xa ubhalise ubuncinci kwixesha elifanelekileyo.
Unokuqala ukuhlawula imali mboleko yakho yomfundi xa usekholejini ukuqala ukwakha amanqaku akho ekhredithi. Ukulinda de ube uphumelele kwakhona ukhetho. Ngayiphi na indlela, qiniseka ukuba uhlawula ngexesha ngalinye ngenyanga ukuba wakhe umlinganiselo wakho wekhredithi ngaphandle kwekhadi lesikweletu.
Ababolekisi bemali yabangasese banokukhetha, kodwa kunzima ukufumana ukuba awunayo imbali yesikweledu esetyenzisiweyo kunye nengeniso efanelekileyo.
Sebenzisa iMboleko Yomenzi Wesikweletu
Imboleko mboleko yomakhi-mboleko ifana nekhadi lekhredithi elikhuselekile . Emva kokuba uvunyiwe, iimali ezivela mboleko zifakwa kwi-akhawunti yokulondoloza okanye kwi-CD ide uhlawule umboleko. Emva koko, imali ekulondolozeni kwakho ingeyakho ukuyigcina. Imbali yakho yentlawulo ibandakanywe kwingxelo yakho yeekhredithi, ngoko ke iintlawulo zakho ezifike ngexesha ziza kukhulisa amanqaku akho ekhredithi ngokukhawuleza nje ukuba wenze zonke iintlawulo zakho zenyanga ngethuba kwaye ungenzi.
Hlola ukuba ubone ukuba umbutho wakho wekredithi wendawo unikezela ngemboleko yomakhi wezikweleti. I-SelfLender.com inikeza inkqubo yokubolekwa kwemali mboleko kwi-intanethi.
Ukuhlawula i-Mortgage okanye i-Car Loan
Ekubeni izibini zokubolekwa kwemali kunye neenqwelo-mboleko zemoto zibika kwiingxowa-mali zemali- mboleko , nokuba zezi ziza kunceda ukwakha amanqaku akho. Icandelo elinzima livunyiweyo ukuba linye lala ngaphandle kwimbali yentengo yemboleko. Ngeniso epheleleyo kunye nentlawulo ephantsi, unokukwazi ukufumana imvume.
Ngeemali zokuthenga imali, unako ukufumana imvume yokubolekwa kwemali exhaswe yi-Federal Housing Administration, ukuba unomnyaka omnye unyaka weentlawulo zokuqeshisa ngexesha, ukuhlawulwa ngexesha elifanelekileyo kuzo zonke iindleko zakho, kwaye akukho ma-akhawunti kwiiqoqo ngaphandle kweebhilidi zonyango .
Ukuba awukwazi ukufumana imboleko ngokwakho, unokukwazi ukufumana umntu (ngekhredithi enhle) ukuba akhokhele.
Ukuphazamiseka kukuba ukucocwa ngokuqhelekileyo kuluvo olubi . Umntu obonisa iimboleko nawe unakho uxanduva lokuhlawulwa kwemali mboleko ukuba, ngenxa yesizathu esithile, awukwazi ukwenza iintlawulo ngokwakho. Iintlawulo zexesha elide zithintela i-credit card cosigner nje ngokuba zichaphazela lakho. Kwaye, ukuba ekugqibeleni uyifake i-bankruptcy, umgcini-cosigner usekhokheni lonke ityala ngaphandle kokuba befake i-bankruptcy.
Bhatala Ithenda Yakho Ngexesha
Iintlawulo zakho zokuqashisa zingakunceda ukuba wakhe umlando weebhanki ukuba umninikhaya wakho ubhale iintlawulo nge-Experian RentBureau. Ingxelo yendawo yomnini-mali kuphela le datha kwaye kuphela kwi-bureau ye-credit card. U-Experian akahlanganyeli kunye neendlela zokuqeshisa izitalathisi kunye nezinye ezimbini ezinkulu zemali-mboleko. Ukuba ungumnini-mboleki, tshekisha umnini-mhlaba ukuba ubone ukuba iirhafu zakho zokuqashisa zifikeleleka kwi-Experian inyanga nganye.
Eminye imivuzo yeMatyala
Imali yokuthenga ngetyala yemveli isekelwe kwimbali yakho yokuboleka ngemali ngamakhadi-mboleko kunye nemboleko. Awuqwalasele iintlawulo ezingekho phantsi kwekhredithi ozenzayo nyanga zonke njengemisebenzi yakho, ikhebula kunye ne-bill bill. Ezinye izikolo zemali zemali, njengaleyo kwi- Payment Reporting Building Credit , isebenzisa ulwazi olungelona lendabuko ukwakha amanqaku akho. Ngelixa i-PRBC ikunika ithuba lokubonisa imikhuba emihle yokuhlawula, abaninzi abathengi bemveli, ababolekisi, kunye namanye amashishini basencike kwi-credit card yokubeka ulwazi ngolwazi malunga nezicelo zakho.
Yintoni omele uyibukele
Qaphela iingxowa-mboleko zokuhlawula kwangaphambili kunye nezinye izikhwama zemboleko ezixhaphazelayo abantu abangenazo iitaliti okanye i-credit card. Ezi mboleko ziqinisekisa ukuba uvumelekile kwaye ucele uhlobo oluthile lokuhlawulwa kwangaphambili.
Imali-mboleko ye-Payday , i-mboleko mboleko, kunye neengxowa-mboleko ze-pawn aziyi kukunceda ukwakha amanqaku akho. Ngaphaya kwehla, umboleko wemihla yomvuzo okanye umboleko wesihloko unokulimaza amanqaku akho ekwereta ukuba ungekho kwaye i-akhawunti ithunyelwa kwiiqoqo. I-arhente yokuqokelela izakuxela ulwaphulo-mali kwi-credit bureaus, ukulimaza ikhono lakho lokwakha amanqaku amatyala entle.