Ngaba ingeniso yam ingathintela amanqaku ekhredithi aqhelekileyo?
Ingeniso yakho ayithinteli ngqo kumlinganiselo wakho wekhredithi, kodwa inokuchaphazela ukukwazi kwakho ukufumana imvume. Ukuvunyelwa kwemali kuxhomekeke kwimibandela emininzi, kubandakanywa umvuzo wakho kunye namanqaku akho ekhredithi, kodwa ezo zihlukeneyo zepuzzles.
Izikolo zemali
Amanqaku esikweletu azama ukuqikelela ukuba uza kubuyiselwa njani imali mboleko, kwaye zisebenzisa idatha yesiganeko (malunga nokuziphatha kwakho ukuboleka) ukwenza oku. Ukwenza umlinganiselo wesikweletu, inkqubo yekhompyutheni ihamba ngeengxelo zakho zekhredithi zikhangela ulwazi olunjenge:
- Ukuba uboleke imali kwixesha elidlulileyo, kwaye ubude uboleka ixesha elingakanani
- Ukuba ubuyisele imali yakho njengemvume
- Ukuba ulahlekelwe iintlawulo kwiimboleko zakho
- Indlela osebenzisa ngayo amatyala ngoku ( uninzi kangakanani ubolekayo , kwaye yiziphi iintlobo zeetyala ozisebenzisayo)
- Ukuba nayiphi na iirekhodi zoluntu malunga nawe zikhona (ezifana ne-bankruptcy okanye isigwebo somthetho esivela kuwe kumntu-mboleki)
- Ukuba usanda kufaka isicelo semali-mboleko, okanye kukho utshintsho olukhulu kulo naluphi ngasentla
Ulwazi lokufaka amanqaku lufumaneka kwi-credit bureaus , kwaye luninzi lunikwe ngababolekisi obolekwe kwixesha elidlulileyo (okanye ababolekisi ngoku obolekayo). Idatha nayo ivela kwii-arhente zokuqokelela kunye neengxelo zolwazi zoluntu.
Ingeniso yakho
Ukongeza kokukhangela i-credit yakho, ababolekisi bafuna ukwazi ngemali engenayo. Bayazibuza malunga nazo izicelo ezininzi zemali mboleko, kunye neengeniso ezingenakuthi ngamanye amaxesha zisetyenziswe njengesizathu sokuphika isicelo semboleko.
Ababolekisi - kodwa kungabikho amamodeli okuba ngetyala-sebenzisa ulwazi malunga nemali oyifumanayo ngeendlela ezahlukeneyo.
Ingxowa kumlinganiselo wokufumana imali: ababolekisi bafuna ukwazi ukuba unako ukuhlawula nayiphi na imali mboleko. Kwezinye iimeko, zifunwa ngumthetho ukuba zibhalise amandla akho okubuyisela. Enye indlela abenza ngayo oko kukubala ityala kwinani lentlawulo . Umlinganiselo wakho ubheka ingeniso yakho yenyanga ngokuthelekiswa nazo zonke iintlawulo zakho zetyala-kwaye nayiphi na intlawulo efunekayo kwimali-mboleko emitsha . Ngokuqhelekileyo, unesimo esifanelekileyo ukuba i-matyala akho kumali engenayo ingaphantsi kwama-28% ukuya kwi-31%.
Iimodeli zokulinganisa : abanye ababoleki banamamodeli abo okujonga iimali mboleko, kodwa loo mizekelo iyahluke kumanqaku ekhredithi. Ingeniso yakho yenye yezinto ezisetyenziswe kule mizekelo. Kodwa ezo manqaku zikhethiweyo kwaye zihluka ukusuka kumboleki kumboleki. I-FICO yakho yamanqaku okuthenga ngetyala, owona mgangatho oqhelekileyo oqhelekileyo usetyenziselwa iimali-mboleko ezifana nekhaya kunye nemali-mboleko ye-auto, ininzi okanye ayifani efanayo nawuphi na uya khona. Ababoleki bangacela ezinye iindidi zolwazi kwisicelo (okanye ufumane idatha ngenye indlela), eya kwiindlela zazo zokubeka amanqaku.
Njengoko uyakubona, ingeniso yakho ibaluleke kakhulu ekufumaneni imvume yemboleko. I-technically ayiyiyo inqaku lakho lemilinganiselo yekhredithi, kodwa loo nto ingenakukhathazeka ukuba ngaba ukukhathazeka kwakho okuphambili kuyamkelwa.
Ingeniso Efanelekileyo?
Ukuba unayo ingeniso eyaneleyo yokufumana imboleko mboleko, unokhetho oluninzi:
- Ukuhlawula ityala ukwenzela ukuba ezo ntlawulo ezincinci ezifunekayo azikho inxalenye yetyala lakho kwinani lentlawulo
- Ukwandisa ingeniso yakho , mhlawumbi ngokufumana ngaphezulu okanye ukongeza umnxibelelwano kwisicelo sakho (ingeniso yabo iya kuqwalaselwa, kodwa oku kuyingozi kumxhasi wakho)
- Yenza inkokhelo enkulu ukwenzela ukuba iintlawulo zakho ezifunekayo malunga nemboleko zibe ncinane