Oku kusebenza kuyo nayiphi na uhlobo lomboleko ongayifaka isicelo, kubandakanya i-home and loan loans, amakhadi enkredithi, iimboleko zemali, kunye nemali mboleko.
Naluphi na ukukhutshwa phakathi kwezinto ocinga ukuba zinokwenzeka kwaye yintoni umboleki wakho ovumelana nayo, kubalulekile ukunciphisa eso sithuba.
Hlola imeko yakho
Fumana ukuba kutheni isicelo sakho semboleko singavunywanga. Ababolekisi ngokubanzi bayakuvuyela ukunika inkcazelo kwaye kufuneka ukuba banikezele iinkcukacha ezithile, ngoko akukho sizathu sokungafumani.
Izizathu eziqhelekileyo zokugatywa ngetyala zi:
- Imiba enekhredithi yakho okanye amanqaku aphantsi kwekhredithi
- Ingeniso eyaneleyo
Iingxowa ezibi (okanye akukho): Ababolekisi babukela imbali yakho yokuboleka, ngokuqhelekileyo ngefom yeekhredithi zakho zemali , xa ufaka isicelo semboleko. Bafuna ukubona imbali eqinileyo yokuboleka nokubuyiselwa kwemboleko. Nangona kunjalo, ungeke ubolekise kakhulu, okanye mhlawumbi uye wabhekana nemingeni kwaye ngokuqinisekileyo ungekho kwimali-mboleko kwixesha elidlulileyo.
Ukuba inkokhelo yayiyi-culprit, umnini-mboleko wakho kufuneka ukuba anike isaziso sesenzo esibi , uchaza ukuba umlando wakho wekhredithi usetyenziswe ngokuchasene nawe, unikezela isizathu esithile njengemali-mboleko engapheliyo okanye imibuzo eninzi kakhulu, kwaye uchaza amalungelo athile onayo.
Izaziso kufuneka zichaze indlela onokuyijonga ngayo iingxelo zakho zemali-mboleko, ngokuqhelekileyo mahhala . Iindaba ezilungileyo kukuba unokuphucula i-credit yakho.
Ingeniso eyaneleyo: Ababoleki bafuna ukubona ukuba unako ukwenza imali encinci yeenyanga phambi kokuba uvume imboleko yakho. Ngeemali-mboleko, ezifana nemali-mboleko yasekhaya, ababolekisi bafunwa ngumthetho ukubala ukuba unakho ukubuyisela.
Uninzi lwababolekisi basebenzisa ityala kwinani lokufumana imali ukuze ubone ukuba unako ukujongana neentlawulo ngokuvunywa kwemboleko yakho. Baqhathanisa ukuba ufumana phi inyanga nganye ukuba ungakanani uchithe kwiintlawulo zentlawulo, ucinga iindleko ezincinci . Ukuba akubukeka ngathi uya kuba nakho ukuhlawula ityala elitsha, bayayichasa isicelo sakho.
Eminye imiba: Ngamanye amaxesha uya kunqatshwa ngenxa yezizathu ezithile. Ngokomzekelo, ngamanye amaxesha iimali-mboleko zokubolekwa ngemali ayiqhubeki ngenxa yokuba uvavanyo lwangakhange lufikelele phezulu ngokwaneleyo ukulungiselela ubungakanani bemboleko.
Xa ufaka isicelo semali-mboleko emancinci yamashishini, ababolekisi bavame ukukhangela i-credit person's own credit. Ngaphandle kokuba abanikazi bezentengiselwano bambathe iipropati zabo njengebhanki okanye ishishini lisungulwe kakuhle, amathuba okuba avunyelwe angancinci.
Ngaphambi kokuphinda ufake isicelo
Zisindise ixesha kunye nokukhungatheka ngaphambi kokuba ufake isicelo semali mboleko yakho. Zijonge ngendlela efanayo nabathengi, kwaye khangela ukuba ziphi na iimflegi ezibomvu kwikhredithi yakho kwaye ubone ukuba unenzuzo eyaneleyo yokubuyisela imali mboleko.
Hlola ingxelo yakho yekhredithi, kwaye ubuze ababolekisi ukuba uyilindele naziphi na iingxaki. Baya kuvuyela ngokunyanisekileyo into ebalulekileyo kunye noko kungenjalo, kwaye kude kube nini ufanele ulinde emva kweziganeko ezithile ezinjenge-foreclosure. Kufanelekile ukuba ubuze ukuba umboleki ufuna ukufumana ityala lakho kwiimali zokufumana imali.
Ukuba usebenzisa isikolo esincinane, isikhungo sendawo njengemanyano yesikweletu sendawo , unokukwazi ukuthetha nombolekisi ngokuzenzekelayo ukufunda yonke into oyifunayo uze ulungiselele ngaphambi kokuba uzalise esinye isicelo.
Unokuphinda usebenze ngamanyathelo alandelayo ukucima imali yakho kwaye ube ngumfundi oboleke imali.
Ecocekileyo-Ups
Hlela iimpazamo: Ukuba uneephene kwirekhodi yakho yesikweletu, zilungise. Akufanele uqhutywe uxanduva lweepompyutha okanye izenzo zabanye. Unelungelo lokwenza iimpazamo zisuswe . Ngokuthenga okukhulu njengokuthengwa kwekhaya, unako ukufumana iimpazamo ezichanekileyo kunye nomlinganiselo wakho wekhredithi uhlaziywe phakathi kweentsuku ezimbalwa usebenzisa ukulungiswa ngokukhawuleza .
Ukuhlawula amanye amatyala: Ezinye iimali-mboleko zinokuba yinxalenye yengxaki. Ababolekisi bajonga indlela ochitha ngayo kwiintlawulo zentlawulo nyanga nganye, ngoko ukunciphisa ukuba iindleko zibukeka zibhetele kangcono njengombolekayo.
Amanqwanqwa asemfutshane
Ukuhlawula phantsi: Inkokhelo enkulu yokuhlawula ikhaya okanye imoto kunokukunceda ukuba ufumaneke . Uya kugqiba ukuboleka ngaphantsi, oku kuthetha ukuba iintlawulo zakho zenyanga ziya kuba ziphantsi. Ngaphezu koko, ababoleki banomngcipheko omncinci ngemali ephantsi ukuba baxabise umlinganiselo , ngoko banokuvuma ukuvuma imvume mboleko ngaphandle kwekhredithi epheleleyo.
Sebenzisa ibhondi: Ukuba ufaka isicelo somboleko okanye u-mboleko wezoshishino, unobungozi kunokukunceda ukuba uvumeleke. Ukunikezela ukubambisa into enokubaluleka ukukunceda ukukhusela umboleko . Mane uqaphele ingozi: unokulahlekelwa yindlu yakho ekugqibeleni okanye isithuthi sakho singabuyiselwa xa ungaphumeleli ukuhlawula. Yenza kuphela ingozi eyenza ingqiqo. Akufanelekanga ukusebenzisa imali-mboleko yemali ukuhlawula ikhefu okanye imoto yokunethezeka.
Fumana i-cosigner: Ingeniso yakho kunye / okanye inkokhelo ayilungele ukufumana imvume, kodwa unokuba neengxaki ezingcono xa unako ukufaka ingeniso yomntu kunye nenkokhelo kwisicelo, ucinga ukuba banetyala elifanelekileyo kunye neengeniso ezifanelekileyo. Umququzeleli usebenza nawe , kwaye lowo mntu uya kuba noxanduva lokubuyisela mboleko. Ukuba uhluleka ukuhlawula, umboleki uya kulandela emva kokubini wena kunye nomqabane wakho, kunye nekhredithi yakhe iya kuba neengxaki, ngoko ke sebenzisa kuphela umququzeleli ozimisele nokukwazi ukuqonda loo mngcipheko.
Faka isicelo kwenye indawo: Uphikisiwe, kodwa loo nto ingumbono omnye wentengo. Ingcaciso ebalulekileyo, kwaye kufuneka ujonge ikhredithi yakho kunye neengeniso, kodwa umboleki ohlukeneyo unokuvuma imvume yakho. Akumele ulinde ngaphambi kokufaka isicelo kwakhona emva kokugatywa, kufuneka uhambe kwenye indawo.
Zama ibhanki yendawo okanye umanyano wekhredithi, kwaye ukhangele nge- online-lenders kuphela . Iimali-mboleko ezinjengekhaya kunye nemali-mboleko yemali ngokukhethekileyo, kungcono "ukuxhamla" izicelo zakho kwifestile elifutshane leentsuku ezingama-30 ukuya kwi-45 kwixesha elide ukunciphisa umonakalo kwi-credit yakho kwimibandela emininzi kakhulu ngexesha elifutshane. .
Ixesha elide
Ngaphandle kokungavumi ukuba yi-fluke, uya kuncedwa ngokwenza utshintsho oluthile ukuze kube lula ukuboleka. Amanyathelo alandelayo aya kugcina iimali zakho ziphilile ngezinye iindlela ngokunjalo.
Yakha ikhredithi yakho: Ukuboleka kuya kuba lula kwixesha elizayo ukuba ukha umlando wesikweletu onamandla. Oko kuthetha ukuba uya kufuneka uboleke kwaye ubuyisele imali mboleko ngexesha. Ikhredithi yakho iya kuphucula ngokuthe ngcembe, kwaye uza kufumana amazinga omdla kunye nokuncitshiswa okumbalwa.
Ukubanjwa phezulu: Ukuba ungasemva kweminye yemboleko yakho, lixesha lokuba uhlambuluke izinto ukuze i-credit yakho iqale ukuphilisa. Oko akuthethi ukuba uhlawule i-100 ekhulwini kwento omele uyenze ngayo, nangona oko kuya kuba yinto ekhethekileyo. Xhumana nababolekisi bakho ukuba usebenze isicwangciso sokuhlawula, kwaye ufumane isivumelwano esibhaliweyo sokususa ulwazi olubi kwiingxelo zakho zekredithi.
Ukuhlawula amatyala: Iingxowa-mali zakho ezikhoyo zichaphazela amandla akho okufumana iimali-mboleko ezintsha. Ukuhlawula ityala elidala liza kunyusa inani lemali engenayo yenyanga efumaneka kwimali mboleko emitsha.
Ukwandisa ingeniso: Ukufumana okulula kunokuthi kunokuthi kwenziwe, kodwa kubalulekile ukunyamekela ingeniso yakho xa ufuna ukuboleka imali. Ukuba ukhangele nayiphi na utshintsho lobomi njengokushiya umsebenzi, kukulungele ukugcina loo nto emva kokuba uvunyiwe ukuba ubolekise imali, kwaye kuphela xa usenaso isicwangciso sokuhlawula ityala.