Iimali eziMali ezitsha zichaphazela njani izikolo zeMatyala
Imali-mboleko emitsha nekhoyo iyakuchukumisa i-credit yakho ngeendlela ezininzi:
- Bayakunceda ukwakha ikhredithi ukuba wenze iintlawulo ngokuphumelelayo
- Bakulimaza i-credit yakho xa uhlawula ngokukhawuleza okanye ungagqibekanga kwimali-mboleko
- Banciphisa ukukwazi ukuboleka (okungenako ukuchaphazela ngqo izikolo zakho zemali)
- Benza umonakalo omncinci kwi-credit yakho ekuqaleni, kodwa bayakwazi ukubuyisela lula xa uhlawula ngexesha
Ukwakha iNgxowa
Ikhredithi yakho yinto yonke ngembali yakho njengombolekayo. Ukuba uboleke kwaye ubuyisela imali ngemboleko ngethuba elidlulileyo, ababolekisi bacinga ukuba uya kwenza okufanayo kwikamva. Xa ukwenzile oku (kwaye ude ukwenzile), bhetele.
Ukuthatha imali-mboleko entsha kukunika ithuba lokubuyiselwa ngokukhawuleza kunye nokwakha i-credit yakho. Ukuba unetyala elibi - okanye ungakaze umise isikweletu - kuya kuphucula ngokuhamba kwexesha kunye nentlawulo nganye yenyanga ngenyanga. Bona ezinye iinkcukacha malunga nendlela yokwakha isikweletu .
Ukufumana iintlobo zemali-mboleko ezahlukeneyo kunceda inkokhelo yakho. I-10% ye-FICO yakho yamanqaku ekhredithi isekelwe kwi-"mix mix", ejongene neentlobo zeeakhawunti kwingxelo yakho yekhredithi. Ukuba zonke iimali-mboleko zakho ziyimakhadi-mboleko, oko kulungile, kodwa umxube wakho ungcono xa unayo mboleko yemoto okanye mboleko yemali.
Musa ukuboleka nje ngenxa yokuzama ukuphucula ikhredithi yakho. Mboleka ngokuhlakanipha -kuba kwaye xa ufuna-kwaye usebenzise imali efanelekileyo yomsebenzi .
Iintlawulo ezingekho phantsi?
Ngokuqinisekileyo, loo mboleko ayikuthandi ukuba uhlawule ngokukhawuleza okanye uyeke ukwenza iintlawulo: izikolo zakho zekhredithi ziza kukhawuleza, kwaye uya kuba nexesha elinzima ukufumana iimali-mboleko ezintsha.
Amandla okuboleka
Iimali-mboleko ezintsha zithintela ngaphezu kweemali zakho zekredithi - zinciphisa ukukwazi ukuboleka.
Iingxelo zakho zeentengo zemboleko zibonisa yonke imboleko oyisebenzisayo ngoku, kunye neentlawulo ezifunekayo ngenyanga. Ukuba ufaka isicelo somboleko omtsha, ababolekisi baya kujonga iimbopheleleko zenu zenyanga kwaye bakhothe isigqibo sokuba ngaba abayicinga ukuba unako ukufumana intlawulo engaphezulu. Ukuze benze njalo, babala ityala kwinani lemali engenayo , elibaxelela ukuba ingakanani inzuzo yakho yenyanga inokudliwa yintlawulo yakho yenyanga. Ngaphantsi, bhetele.
Awunakho ukuboleka ukuba ubone ubuchule bakho bokuboleka buyancitshiswa. Ukuba ubhalela umboleki othile (ekubancedeni ukuba bafumane imvume ngokusekelwe kwikhredithi enamandla kunye nengeniso), loo mboleko ibonisa ingxelo yengxelo yemboleko . Uneminyaka engama-100% uxanduva lokubuyisela imali mboleko ukuba umbolekekisi oyintloko akayi kubuyiselwa, ngoko ke ababolekisi babala ukuba njengendleko yenyanga (nangona ungenzi ntlawulo).
I-Dip Dip
Imali-mboleko emitsha ngokubanzi yenza ididi encinci kumanqaku akho ekhredithi. Ukuba unetyala eliqinileyo, ukudibanisa mhlawumbi kukufutshane kwaye kungabalulekanga. Kodwa ukuba unentengiso embi (okanye ukwakha isikhokhelo okokuqala), ukudibanisa kungabangela iingxaki - ngoko ugweme ukukhwabanisa ityala ngaphambi kokufaka isicelo somboleko "obalulekileyo" njengemali mboleko yasekhaya.
Njalo xa ufaka isicelo somboleko omtsha, ababolekisi bajonga i-credit yakho. Xa besenza njalo, " uphenyo " lwenziwa, kubonisa ukuba umntu uthathe ikhredithi yakho. Imibuzo ingabonakalisa ukuba unengxaki yemali kwaye uyayidinga imali, ngoko-ke iyakubamba amanqaku akho phantsi. Enye okanye emibini imibuzo akuyona into enkulu, kodwa imibuzo eninzi ingonakalisa amanqaku akho.
Ukuba uya kuthengisa phakathi kwababolekisi-into ebulumko, kwaye yindlela ephela yokufumana i-best deal-yenza yonke into yokuthenga ngaphakathi kwithuba elifutshane. Ngokomzekelo, ukuba uthengisa ikhaya kwaye uthelekisa ababolekisi bemali-mboleko, gcwalisa zonke izicelo zakho zingakapheli iintsuku ezingama-30 okanye ngaphantsi (iimodeli zokulinganisa iitaliti zinikeza iwindi elinobubele). Ngeemali-mboleko zemoto, zama ukugcina yonke into kwiiveki ezimbini.
Buyela kwiphepha eliphambili kwizinto ezichaphazela i-credit .