Ukwazi ukuba umlinganiselo wakho wekhredithi ubalwa njani kunokukunceda ukuphucula.
Ukuze wenze uninzi lwekhredithi yakho, kufuneka ukwazi ukuba umlinganiselo wakho wekredithi ubalwa.
Kukho iinxalenye ezintlanu kumanqaku akho. Abanye baphatha ubunzima kunabanye. Ngezantsi yinkcazo yezinto ezinhlanu eziphambili kumanqaku akho ekhredithi ngokwe-FICO.
1. Imbali yentlawulo- 35%
I-35% yekredithi yakho yamatyala isekelwe kwimbali yakho yentlawulo. Ukuhlawula ixesha kunokuthetha ukuba umehluko phakathi kweentengo eziqhelekileyo kunye neerhafu. Ukuba unembali yokuhlawula ixesha kwiinkcukacha ezininzi zeakhawunti yakho kwaye ube nexesha elikhawulezayo ukuhlawula kwaye uhlawule ngokukhawuleza, akuyi kuphazamisa amanqaku akho kwikhredithi njengoko isetyenziswe.
Nantsi oku ku funeka ukwazi:
- Iintsuku ezimbalwa emva kwexesha alithethi ngokuchasene nawe. Intlawulo ayikwazi ukubikwa emva kwexesha ngaphandle kokuba iintsuku ezingama-30 okanye ngaphezulu kwexesha elidlulileyo ngenxa.
- Imifanekiso enkulu ibaluleke ngakumbi ngoku. Ngenkqubo encinci ngaphambi ko-2009, enye ingxaki enkulu ingabangela ukuphazamiseka ngamanqaku akho esikweletu. Ngoku, ukuba zonke ezinye i-akhawunti zisesimweni esifanelekileyo, umcimbi omnye onzima awuyi kubaluleka.
- Iingxaki ezincinci zibuhlungu. Ngaphambili, ukuba uphoswe ibhilikhi encinci (ngaphantsi kwe-$ 100), kwaye iya kwiiqoqo, uza kubona impembelelo embi kumanqaku akho ekwereta. Ngoku i-credit score yakho ayiyi kuba neengxaki ezininzi ukusuka ekungaqondani okuncane.
Ekubeni eli qela linempembelelo enkulu kumlinganiselo wakho wekhredithi jikelele, xa uhamba ngokugqithisa okanye ukuthengiswa okufutshane , akukhona nje ukuchithwa okuchaphazela i-credit yakho, kodwa kunye neenyanga zokuhlawulwa kwexesha elidlulileyo eliphambi kokugqithiswa.
2. Inani elihlawulwa- 30%
Icandelo elilandelayo eliphambili, elijongene ne-30% yesikhokhsi sakho semali-mboleko, yimalini yeetyala eziphakanyisiweyo onetyala ngokumalunga neemali zakho ezikhoyo.
Amakhadi okuthenga ngetyala kunye nemigca yeebhanki zihlobo lweetyala eziqhubekayo. Eli nqanaba libalwe kwi-akhawunti nganye kunye nesiseko.
Ngokomzekelo, ukuba unayo i-credit ye $ 5,000 kwaye uboleka i-$ 4,000 kwilo mboleko, kuya kubonisa ukuba uye wasebenzisa i-80% yekhredithi yakho ekhoyo kuloo mgca okanye kwikhadi lekhredithi. Ukugcina amanqaku akho ekhredithi ephakamileyo, awuyiboleka ngaphezu kwe-30% yekhredithi yakho ekhoyo ukusuka kunoma yimuphi umboleki. Oku kuthetha ukuchasene nenkolelo eninzi, kungcono ukufumana imali encinci kumakhadi amaninzi kunokuba ube nekhadi elilodwa kumda walo.
Ukulinganiswa ngokuthe ngqo kwesi sizathu kuyahluka kuye kuxhomekeke kwithuba elide osebenzise ngayo ityala. Kungakhathaliseki, inani lakho letyala lidlala indima enkulu kumanqaku akho ekhredithi. Ingaphetha ukuba ibe nomthelela omkhulu njengembali yakho yentlawulo.
Ukuphucula le nxalenye yakho yamanqaku ungababiza abanini-mboleko kwaye ubacele ukuba bandise inkokhelo yakho ekhoyo. Ngaphandle kokuba ungaboleki ngaphezulu, ukunyuka kwekhredithi ekhoyo kuya kunceda amanqaku akho akwi-credit. Kwimveliso yesikweletu, oku kubizwa ngokuba yi-credit.
3. Ubude bembali-mboleko-15%
Ubude bakho bembali yeebhanki buquka malunga ne-15% yamanqaku akho. Abantu abaneengxelo zemali engaphezu kwe-800 ngokubambile babamba ubuncinci amakhadi ematyala (kunye nezilinganiso eziphantsi) abaye bavulela iminyaka engaphezu kweyisixhenxe nganye.
Njengoko uhlawula ityala, ungavali ukuba ikhadi lekhredithi okanye umgca wesikweletu. Endaweni yoko, cinga ukuyisebenzisa ukuhlawula ibhilidi yenyanga ehlawulwa yenyanga nganye . Uphando lubonisa ukuba abantu abaneembali eziphezulu zeentengo zemboleko zihlawula amakhadi enkredithi nyanga nganye ukwenzela ukuba inani elincinci lomsebenzi elihlawulwa ngokupheleleyo ngenyanga liyakunceda ukuphucula amanqaku akho.
4. Imibuzo kunye netyala-10%
Imibuzo kunye neakhawunti entsha yetyala malunga ne-10% yamanqaku akho. Iindaba ezilungileyo; Ukuba uthengisa indlu, yonke imibuzo yokuthenga ngemali kwisithuba seentsuku ezingama-30 omnye komnye iya kubalwa njengophando olulodwa. Kwi-autos, ngumlinganiselo weentsuku ezili-14 kodwa iinkqubo ezahlukeneyo zokubeka amanqaku ngaphandle kwe-FICO ziyahluka. Xa uthengisa iitaliti, ngenisa izicelo phakathi kweentsuku ezimbalwa zomnye ukuze imibuzo ihlanganiswe kunye.
5. Ukuxutywa kwetyala kusetyenziswa- 10%
I-10% yokugqibela yamanqaku akho isekelwe kwintlobo yemboleko; isitifiketi ngokubhekiselele kumatyala ajikelezayo.
Inkokhelo yefakelo, njengemali mboleko yemoto , ijongwa ngokufanelekileyo kunokuba ityala lekhadi (credit card). Ukongeza, ngeenguqu zango-2009, ngoku ufumana amanqaku okukwazi ukulawula ngempumelelo iintlobo ezininzi zeetyala; imali yokubolekwa kwemali, umbolekiso wemoto kunye namakhadi-mboleko, umzekelo.
Xa udibanisa konke oku kuphawula "okulungileyo"? Ukuba ufuna amaxabiso aphezulu kwi- mortgage xa uhlala umhlala phantsi , uphuphe amanqaku angama-780 okanye ngaphezulu. Nantoni na engaphezu kwe-750 ithathwa njengento ephezulu kodwa iphakamileyo ibe ngcono. Inqaku elifanelekileyo lekhredithi liwela kwibanga lama-700 ukuya ku-749, kunye ne-650 ukuya ku-699 "efanelekileyo". Ukuba ufumana amanqaku angama-649 okanye uqale ukuthatha amanyathelo angakuphucula.