Ukuba uthe wacinga kuphela amakhadi wesikweletu kunye neemali-mboleko zithintela amanqaku akho ekhredithi, wawungalunganga. Izicelo ezithile okanye iintlawulo zangexesha elide zingalimaza amanqaku akho ekweretheni nangona ungenzi rhoqo ishishini kunye naloo nkampani.
1. Iincwadi zamathala eencwadi ezingapheliyo.
Amanye amathala eencwadi acela uncedo lwee-arhente zokuqokelela ukunceda ukuqokelela iintlawulo kwiincwadi zamathala eencwadi ezingapheliyo. Ngelixa iilayibrari zingabika kwiivenkile zemali-mboleko, abaqokeleli ityala kunye nokuqokelela i-akhawunti ngenye yezinto ezimbi kakhulu kumanqaku akho.
2. Ukucela ukunyuswa komlinganiselo wesikweletu.
Abanye abakhupha amakhadi ekhredithi benza itraki "nzima" okanye uphenonongo xa ucela ukunyuka kwemali yemali . Bajonga umlando wakho wekredithi efana neendlela abaza kusebenza ngayo kunye nekhadi elitsha lekhadi lesikweletu. Imibuzo i-10% yemaphu yesikweletu sakho kwaye enye entsha ingakunciphisa amaphuzu ambalwa.
3. Iingxowa-mali zonyango ezingahlawulwa.
Njengemirhumo yeelayibrari, iibhili zonyango ezingakhokhelwa zivame ukuthunyelwa kwii-arhente zokuqokelela kwaye zongezwa kwingxelo yakho yekhredithi.
4. Ukuvala ikhadi lekhredithi
Oku kuyinyani ngokukodwa xa uvala ikhadi lekhredithi ngokulinganisela. Yintoni eyenzekayo kukuba ukusetyenziswa kwakho kwekhredithi kuya kunyuka kwaye umlinganiselo wakho wekhredithi unokubandezeleka. Ukuhlawula ibhalansi yakho kuya kunceda ukufumana amanqaku akho kwesikweletu.
5. Ukuqasha imoto ngaphandle kwekhadi lesikweletu.
Kunzima ukurenta imoto ngaphandle kwekhadi lesikweletu. Inkampani yokuqeshisa iya kucela i-deposit deposit, amaxwebhu angaphezulu ukubonisa ukuba ungubani, kwaye iyakwazi ukuqhuba imbali yakho yematyala.
Ingxelo yokuthenga ngetyala (credit checks) engayenza umonakalo kumanqaku akho ekhredithi, ingakumbi ukuba urenti ngaphandle kwekhadi lesikweletu rhoqo.
6. Iikiti zokupaka ezingakhokhelwa.
Ikhokithi yokupaka engakhokhelwa, ukukhawulwa kwetikiti zokupaka kungathunyelwa kwi-ejensi yokuqokelela kwaye ibekwa kwingxelo yakho yekhredithi. Ukuhlawula iqoqo akusisuswanga kwirekodi yakho yemboleko; ukungena kuhlaziywa nje ukubonisa ukuba uyihlawule.
7. Ukusetyenziswa kwamakhadi athile ekharityhulam kanye kanye.
Ukufaka izicelo ezininzi zeentengo zemboleko kwandisa imibuzo engaphezulu yemali kwingxelo yakho yekhredithi kwaye kunokubangela ukuba amanqaku akho ekhredithi akhohlwe amanqaku amaninzi. Ukuvula ikhadi elitsha lekhredithi linokulimaza amanqaku akho.
8. Ukufumana inkontileka entsha yeselula.
Iintlawulo zakho zenyanga zefowuni azichaphazeli umlinganiselo wakho wekhredithi, kodwa ukufaka isitalathisi yeseshoni yesitsha okanye isicwangciso senyanga yesitofu sinokulimaza ikhredithi yakho ngumniki-nkonzo unokukhangela ikhredithi ukuba avume isicelo sakho.
9. Ukuqhawula ngemboleko okanye kwikhadi lekhredithi ngomnye umntu.
I-Cosigning inokulimaza amanqaku akho ekwereti ngeendlela ezimbalwa. Okokuqala, isicelo senza uphando kwi-credit yakho. Okwesibini, ikhadi elitsha lekhredithi okanye ibhalansi yemalimboleko inokubangela ukuba i-drop in credit yakho isebenzise ukusetyenziswa kwekhredithi kunye nokunciphisa ubudala beminyaka-mboleko. Ukuba i-akhawunti ineentlawulo ezikhawulezileyo eziza kubangela inkokhelo yakho ngetyala njengokuba kukho nawuphi na uhlobo lokuhlawulwa ngokukhawuleza.
10. Ukungasebenzisi amakhadi esikweleti.
Ukuba wacinga ukuba ungakuphepha ukuphazamisa amanqaku akho ekweretyeni ngokuphepha amakhadi esikwereti, cinga kwakhona. Ingxenye yamanqaku akho ekhredithi isekelwe kwiintlobo zemali-mboleko onayo kwaye ukuba awunayo namakhadi ekhredithi kuwo onke, uya kulahlwa ngamaphuzu.
Ukuba awuzange ube naluphi na uhlobo lwe-akhawunti yekhredithi, awuyi kuba nenqaku lokuthenga ngetyala.