Musa ukuxhatshazwa ngabathengisi beShady
Ubuninzi beentengo zabathengi kwiimarike baxhomekeke kubathengi kwaye bahambelana nemithetho karhulumente / yomthetho. Aba babolekisi basebenzisana nomda we-estate estate kunye nemithetho. Nangona kunjalo, kukho ababolekisi abaxhoba abangenalwazi nabangenalwazi. Basebenzisa abantu abangakwaziyo ukuxelela abantu abathembekileyo bemali mboleko kwiintlobo zezilwanyana.
Njengoko ungeke uthenge umlindi kumntu othile kwisitrato ngeepokotshi ezikhuphayo, umzekelo, akufanele uphendule kwimigudu yokuthengisa engenakunyanzelwa njengale:
- Amaflethi aphonswa emnyango wakho, anamathele kwi-windshield yemoto yakho okanye athathwe kwifowuni
- Ukuthumela ngeposi kwiinkampani ongazange uzive ngaphambili
- I-Telemarketers abazama ukukuxinzelela kwifowuni
Kukho indawo ezifanelekileyo zokufumana imali . Nangona kunjalo, njengawo nawuphi na umsebenzi obandakanya iimali ezinkulu zemali, iimveliso ezinzima kunye nabathengi abangenasiphelo, kukho ukukhwabanisa. Unokwazi njani ukuba umboleki-mboleko unomngcebisi? Nazi iimpawu ezimbalwa ezilumkiso:
- Ummeli uvela njengomntu othetha ngokukhawuleza kunye nomqhubi ocolileyo
Unokufumana ingcamango yokuba ingxoxo ininzi yenkwenkwezi ephindaphindiwe ngokuphindaphindiweyo kaninzi ngoku ikhona ingxoxo. - Iirhafu kunye neerhafu zibonakala ziphakamileyo ngokungavamile
Cela ukuba iqingqiweyo lakho leFICO lichazwe kuwe kwaye uqhathanise amaxabiso phakathi kwabanye ababolekisi. Biza omnye umnini-mboleko kwaye ubuze malunga naloo nqanaba. - Umboleki usebenzisa amaqhinga okuxinzelela aphezulu, ekunxusa ukuba usayine MANJE
Ukuba uhlaziywa , unentsuku ezintathu ukutshintsha ingqondo yakho. Ukuba uthengela ikhaya kwaye ufumana umboleko wokuthenga, cela ukuba kwenzekani ukuba awukhawulezi "ukuvala" umyinge wakho wemali mboleko.
- Uxelelwa ukuba "inkokhelo embi ayikho ingxaki"
Ikhredithi iyisoloko iyinkinga. Ikhredithi efanelekileyo kunye nezikolo eziphezulu zeFICO kuthetha ukuba uya kufumana imboleko yakho mboleko. Ikhredithi embi ingakukhusela ukuba ufumane nayiphi na mboleko. Ababolekisi abasebenza ngokukodwa ekubolekeni abathengi ngekhredithi embi bayaziwa ngokuba ngabancinci ababolekisayo kwaye ababoneleli ngamanani athile.
- Umboleki uyakhuthaza ukuba uxoxe ngokufaka isicelo sakho sembolekiso kunye nezibhengezo "zenziwa lonke ixesha"
Ungayibhalisi amaxwebhu angenanto kwaye ungenzi izitatimende zobuxoki kwisicelo sakho semboleko. Kuchasene nomthetho ukukhwabanisa umboleki. Ukukhwabanisa kwempahla kuhlawulwa yi-FBI. - Uxinzelelo ukuba wamukele umboleko ongenayo ingozi ongaziqondi okanye awufuni
Uninzi lwabantu banomxholo othile wendlela abavakalelwa ngayo ngokukhululekile ukuhlawula ngenyanga ngenyanga. Musa ukuvuma ukwenza iintlawulo eziphezulu kunokuba unako ukuhlawula. Musa ukuzithemba "kwiimarike zeemarike" eziphakanyisiweyo okanye ezantsi malunga nokuba unokukwazi ukuhlawula. Kulungile ukhetha ukwenza inkokhelo engaphantsi kwemali kwaye uthathe imali encinci. - Umboleki uthembisa ukuba unomdla ngawe kodwa unesivakalelo esichukumisayo malunga nokuzenzela
Mamela i-intuition yakho. Kucela ukuba ubeke ingqalelo kulo mvakalelo ophathayo wokuthi into ethile ayilungile. Thembela wena. - Ufumana iziqinisekiso zokuthi umboleko owanikezelwa kuwe uza kusombulula zonke iingxaki zakho zemali
Akukho nto iza kusombulula zonke iimali zakho zezimali uze uyeke ukuchitha imali. Akukho nto imilingo ngemali mboleko, kwaye akukho namnye okwenzayo naziphi na izinto ezilungileyo kule shishini. Ukuhlawula amakhadi akho okwereta ngemali yokubolekwa kwemali kubandakanya ubuhlungu bakho kwixesha elide, kwaye kuya kwenzeka kwakhona.
- Umboleki omnye kuphela onikezela ngemboleko kunye namabango akukho mntu uza kuboleka kuwe
Thetha nabanye ababolekisi. Fumana ikopi yengxelo yakho yekhredithi . - Kwitafile yokuvala, zonke iintlawulo zakho kunye neentlawulo zakho zihlukile kunezinto oye wavuma ukuyihlawula ekuqaleni
Ukuba oku kwenzeka kuwe, phuma uqikelelo lwakho kwaye ucele ingcaciso. Qhubeka ubuza imibuzo uze unelisekile ngeempendulo. Ukuba usakrokra kwaye ungafumani iimpendulo ezanelisayo, vuka uphume kwitafile yokuvala. Musa ukuvala umthengi de uze uthethe negqwetha.
Uncedo ukubeka ezi zigulo kwi shishini. Bika ababolekisi bebhanki kwi-Federal Trade Commission kunye / okanye ummeli wakho welizwe jikelele.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.