Imboleko yemali ingaba nefuthe elihle okanye elibi kwi-credit
Ukuba uthabatha inani elifanelekileyo lemali- mboleko yomfundi kwaye wenze iintlawulo ezijongene nayo emva kokuba uphumelele, ingxelo yakho yekhredithi iya kubonisa ukuba ungumboleki onembeza onobuchule bokuphathwa kwemali.
Oku kunokukwenza ukuba ukhangeke xa ufuna ukuboleka imali engaphezulu kwixesha elizayo.
Ngakolunye uhlangothi, ukungaphumeleli ukuhlawula iimali-mboleko zakho zabafundi ngexesha, ukuvumela ukuba imali yakho yemali mboleko iwele kwiiqoqo, okanye ukungahlawulwanga kwemali-mboleko yomfundi kuya kuhamba kunye neengxelo zemali-mboleko kwaye ngokuqinisekileyo iya kuphazamisa amanqaku akho okwekhredithi ngendlela engafanelekanga.
Ukuthintela iMali-mboleko yabafundi kwi-Negatively Affect Credit
Akufuneki ukuthetha, kubalulekile ukuba ugcine i-mboleko yakho yomfundi ngokuma kakuhle kuba unokubuya ukukukhwaza xa uzama ukuthenga imoto yakho elandelayo, ikhaya lakho lokuqala, okanye nangona ufuna isicelo semisebenzi ethile. Nazi ezinye iimboti ukugcina engqondweni malunga nendlela yokubolekwa kwemali-mboleko yabafundi inokuchaphazela i-credit yakho:
- Ukuthengwa kwemali-mboleko yemali yabucala kunokuchaphazela i-credit yakho. Ukufaka isicelo semali -mboleko yezemfundo ayibonakali kwingxelo yakho yeebhanki uze ufumane imali-mboleko. Kodwa ukuba usayidinga imali eyongezelelweyo ngaphaya kwemali-mboleko yomfundi ehlawulwayo ukuhlawula iindleko zakho zekholeji, unokwenza isigqibo sokuthenga indawo yokubolekisa ngemali. Ezi zicelo ziza kubonakala kwikhredithi yakho, kwaye iyakubonakala ingalunganga ukuba ibonakala ngathi uyayisebenzisa kubalimi abaninzi. Phatha oku ngokugqiba uphando lwakho kuqala, ngaphambi kokwenza nayiphi na izicelo eziza kuzaliswa.
- Imali ibonakale kwingxelo yakho yekrediti ngelixa lichazwe. Kule rekhodi, iimali-mboleko zakho zabafundi ziza kubonisa kwi-credit report yakho nangona usenakholeji kwaye kusekho ngokwemigaqo yokukhangela. Nangona kunjalo, oku kungenako umphumo omkhulu kumandla akho okufumana iimali-mboleko ezingezizo zemfundo kuba ababolekisi abaninzi banomdla kwiimfanelo ezikhoyo zenyanga zokuhlawula, ezithe zahlala esikolweni, ngokuchasene nezilinganiso zakho zemali mboleko.
Ukujongana neMali Yomfundi Emva kweKholeji
Akuqhelekanga ukuba neengxaki zokubuyiselwa kwemali-mboleko yakho xa uphuma ekholejini kwaye ungene emsebenzini (okanye uzama ukwenza njalo). Nazi ezinye iindlela ezingakunceda ukujongana nezilinganiso zemali eziphakamileyo zemali:
- Izibhengezo zinokukunceda ukuba awukwazi ukwenza iintlawulo zemboleko zomfundi wakho. Ukuphonononga okukhethiweyo kwintlawulo yemboleko yomfundi ngokusemthethweni, njengoko zinokutshintshwa ukuze zibonakalise ukuzuza kwakho emva kokugqiba. Ngokuxhomekeke kwimeko yakho, unokufumana uhlobo oluthile lokuxhaswa kwexeshana okanye ukunyamezela ukukunceda ukunyusa umthwalo. Ukunyamezela kwemali kuya kukuvumela ukuba uyeke ukwenza iintlawulo ngexesha elithile, okanye ukunciphisa okwesikhashana iintlawulo. Ukumiswa okanye ukunyamezela akulimazi umlinganiselo wakho wekhredithi kuba oko kuthathwa ngokuba "kuhlawulwa njengoko kuvunyelweneyo." Ungaphinda ufune ukusebenzisa inzuzo yenkxaso- mboleko yemali yokufumana imali yemali efunyenwe yinkxaso-mali eyona nto ingabonakaliyo kwimali yemali. ufumaneke.
- Ukuhlanganiswa kwemali kunokunceda. Ukuba uthabathe ubolekisi bemfundo kunye nabangasese ngexesha loqeqesho lakho lekholeji, kunokudideka kuwe kwaye kunokubonakala kukuphazamisekile kwingxelo yakho yekhredithi. Kananjalo unokuba ulahleke ngakumbi ukuhlawulwa kwentlawulo, ngenxa yokuba iimali-mboleko zakho ezihlukeneyo zineentlawulo ezahlukeneyo ngenxa yemini kunye nemali yentlawulo. Kungakunceda ukusebenzisa iMali-mboleko yokuThola ngokuBambiseneyo kwiimali-mboleko zomfundi wakho wezemfundo ukuze ufumane enye intlawulo nganye ngenyanga.
- Ukungahoyi imali yakho mboleko ayikuphucula imeko yakho. Ukuba ufumana ubunzima bezezimali, ukuzama ukujongana neentlawulo zemboleko zabafundi kunokuziva ngathi omnye umthwalo kumagxa akho. Kungabonakala ngathi kuya kuba lula ukukhahlela emgodini uze ufihle, kodwa oko kuphelisa ukwenza izinto zibe zibi nakakhulu. Iintlawulo zexesha elide ziqala ukubonisa ingxelo kwingxelo yakho yemali kunye nokunciphisa amandla akho okwenza amalungiselelo okuhlawula. Ukuba ungagqibekanga ngokupheleleyo kwimali-mboleko yomfundi wakho, obeka yonke imithwalo yezenzo ezimbi kwaye wenza ubomi bakho bube buhlungu ngakumbi. Ukungahlawulwanga kwemali-mboleko yomfundi kungahlala kwingxelo yakho yeekhredithi iminyaka eyisixhenxe. Urhulumente unokuhlaziya umvuzo wakho kwaye unqande nayiphi na imali yokubuyisela irhafu yengxowa-mali engenzeka ukuba ubalekele ukuphuma kule meko.