Ukuba ufuna ikhadi lekhredithi, kufuneka uhambe kwinkqubo yokuvunywa. Umnikezeli wekhadi lomniki-mboleko uza kuhlolisisa ulwazi lwakho lwesicelo kunye nomlando wakho wekredithi ukuqinisekisa ukuba ngaba ufanelekile kwikhadi lekredithi .
Nangona iinqununu ezithile zemfundo zichaneka kumniki-kharityhulam omnye wekredithi ukuya kwinqanaba elilandelayo, kwaye nakwiikhadi lesikweleti elivela kumthengisi wekhadi elifanayo, kukho ezinye izinto ezenza kube nzima ukufumana ikhadi lekhredithi kungakhathaliseki ukuba yiliphi ikhadi olifaka isicelo.
Ngelishwa, ukuba nayiphi na le yinyaniso kuwe, unokuba nexesha elinzima ukufumana imvume kwikhadi lesikweletu.
Kutheni Unokuba Nesinzima Isikhathi Ukufumana Ikhadi Lesikweletu
- Ukuba ngaphantsi kweminyaka engama-21 . Ekuqaleni kweminyaka yama-2000, kwakulula kakhulu kubafundi beekholeji kunye nabanye abantu abadala ukuba bafumane amakhadi ekwereta. Urhulumente wagqiba ekubeni kwakunzima kakhulu kwaye umthetho ogqityiweyo ofuna abakhupheli bekhadi bekhredithi ukuba baqinisekise ingeniso yabafaki- sicelo abangaphantsi kweminyaka engama-21 . Ukuba ungumntu osemdala, qiniseka ukuba unemali engenayo rhoqo, ethembekileyo ngaphambi kokuba ufake isicelo sekhadi lesikweletu.
- Ungaze ube nekhredithi ngaphambili . Abantu abaqala ukuqala ngekhredithi baya kuba yingxaki. Kufuneka ube nekhredithi yokuvunyelwa kwikhadi lesikweletu, kodwa awukwazi ukufumana isikweleti ngenxa yokuba awufumani imvume. Ikhadi lokuqala lokuthenga ngetyala livame kunzima ukufumana kuba kufuneka ufumane umniki wekhadi lokuthenga ngetyala kunye nekhadi lesikweletu elifanelwe abantu abangenazo iimbali zemveli.
- Imbali yekredithi emfutshane . Akukufumani lula ukufumana ikhadi lekhredithi emva kokuvunywa kweyokuqala. Kuze ude wakha iinyanga ezininzi zembali-mboleko eziqinileyo zesikweletu-ukuhlawula ngexesha kunye nokulawula ibhalansi yakho yekhadi lesikweletu-ezinye iikhupha zekhadi zekhredithi zingaqhubeka ziqaphele ngokuvuma kwakho kwikhadi lekhredithi.
- Ukutshatyalaliswa kwangoko . Abancinci bamakhredithi abancinci kakhulu bazimisele ukubeka umngcipheko kumfaki-sicelo ofanelekileyo wokutshatyalaliswa. Omnye umniki wekhadi wekhredithi akayi kukuvuma uze udibanise i-credit card ingxelo yakho ngokupheleleyo. Lindela okungenani unyaka emva kokukhutshwa kwakho kwebhanki ngaphambi kokuba ufake isicelo sekhadi lesikweletu kwakhona.
- Iintlawulo ezikhawulezileyo zakamuva . Ukuba uneminyaka engama-30 okanye ngaphezulu kwexesha lokugqibela kwintlawulo yekhadi lesikweletu, unokufumana ixesha elinzima ukufumana imvume yekhadi lesikweletu, nokuba ngaba ukuhlawulwa kwexesha lokugqibela akuzange kubangele ukuphahla okukhulu kumanqaku akho. Ukuhlawulwa kwexesha elifutshane kubonisa ukuba ungumboleki onobungozi. Emva kokuba wenze iinyanga eziliqela kwiintlawulo zexesha, ukuhlawulwa kwexesha elifutshane kunempembelelo kumlinganiselo wekredithi kwaye uza kuba nexesha elilula ukufumana imvume.
- Ezininzi ezidlulileyo . Ukuqwalasela ukuba ukuhlawula okukhawuleza nje kwangoko kungenza kube nzima ukufumana ikhadi lekhredithi, kunengqiqo ukuba ukuhlawulwa kwexesha elide kunye nezinye izikhohlisi kunokukwenza kube nzima. Ukuhlawulwa kweentlawulo, ukuqokelela, ukuchithwa kwemali, ukubuyisela, nokugwetywa kwezogwebo zonke ziphazamise umlando wakho wekhredithi kwaye zenze iikhuphezi zekhadi zesikweletu ziqaphele ukuvuma ukuba zikhadi lakho lesikweletu.
- Amanqanaba aphakamileyo kumakhadi-mboleko kunye neemboleko . Izikali eziphezulu zibhekisela kwiintlawulo eziphezulu zenyanga kunye nomngcipheko wokuhlaselwa kwamanani omtsha wekhadi lesikweletu. Ukuthabatha amatyala amaninzi kuya kwenza kube nzima ukufumana ikhadi lekhredithi, nokuba ukhangele ikhadi lekhredithi ukuze uncede ukunciphisa umthwalo wakho wetyala.
- Hayi okanye ingeniso ephantsi . Umthetho ufuna ukuba abakhupheli bekhadi-mboleko, ngaphambi kokuba bavume isicelo sakho, qiniseka ukuba unemali engenayo yokwenza imali yokubuyisela ikhadi lakho lekhadi. Ukuba awunayo umsebenzi okanye ungenzi imali eninzi, uya kuba nexesha elinzima ukufumana imvume kwi-credit. Akunjalo nje ngokuba umthetho ufuna ukuba ukwazi ukuhlawula ikhadi lakho lekhredithi, kodwa ngenxa yokuba abakhupheli bekhadi-mboleko kufuneka bazi ukuba ubuyisela imali ebolekileyo.
- Ukuqaphelisa inkohliso kwingxelo yakho yekhredithi . Ukuqaphelisa ukukhwabanisa kuthetha ukuthintela ukukhwabanisa kwekhadi lesikweletu. Kodwa, oko kwenza ngokukhupha amakhadi okuthenga ikhredithi ukuba athathe amanyathelo angaphezulu ukuqinisekisa ubungqina bakho phambi kokuvuma izicelo zakho. Unokufumanisa ukuba ezinye izicelo zekhadi zetyala ze-intanethi azikwazi ukucutshungulwa kuba umnikeli wekhadi ufuna ulwazi olongezelelweyo kuwe ukuze aqiniseke ukuba nguwe ngokwenene owenza isicelo sekhadi lesikweletu.
- Izicelo zamuva zeetyala . Uninzi lwezicelo zekhadi zamatyala zamva nje ziyakubonisa ukuba unengxaki yezemali kwaye ufuna ikharityhulam yekhredithi ukuze uphume. Kwakhona kunokuthetha ukuba uthatha i-credit engaphezulu kunokuba ungayisebenzisa. Ukuba ufaka izicelo zamakhadi amatyala amaninzi ngexesha elifutshane, unokwazi ukuba izicelo zakho ziphikisiwe. Esikhundleni sokufaka izicelo zamakhadi angaphezulu, khumbula iinyanga ezimbalwa ngaphambi kokufaka isicelo kwakhona.
- I-akhawunti entsha yokugqibela yakutshanje . Nangona nje i-akhawunti evuliwe nje ingenza kube nzima ukufumana ikhadi lekhredithi. Abaninzi bamakhredithi abakhredithi bekhredithi bafuna ukuqinisekisa ukuba unokusingatha uxanduva lwakho olutsha ngokufanelekileyo ngaphambi kokuba bakuvumele enye ikhadi lekhredithi. Ukulinda iinyanga ezimbalwa phakathi kwezicelo zekhadi zekhredithi kunye nokuphucula amathuba okufumana imvume.
Indlela yokufumana iKhadi leMali, nangona xa kunzima
Ukuba ufumene nzima ukufumana ikhadi lekhredithi, kukho ezinye izinto onokuzenza. Okokuqala, linda umniki wekhadi lokuthenga ikhredithi ukuxelela ukuba kutheni unqatshelwe. Kufuneka ukuba bathumele i- letter action action explaining the reasons for their decision and give you access to a free credit report, ukuba omnye usetyenziswe ekwenzeni isigqibo sokuphika isicelo sakho.
Ukuphonononga ingxelo yakho yekredithi ukuqinisekisa ukuba ulwazi olukulo luchanekile. Iphikisana nayiphi na into engacaciswanga kunye namaziko eentengo zemboleko.
Zama ukufumana ikhadi lekhredithi elikhuselekile . Xa abaniki bamakhadi bekhredithi bekhahla isicelo sakho sekhadi lesikweleti, kuba kuba bakujonga njengomboleki obungozi. Ikhadi lekhredithi elikhuselekileyo lishintsha umngcipheko kuba kufuneka wenze i-deposit deposit malunga nomda we-credit. Umnikezeli wekhadi lokuthenga ngetyala unokuthi avumele wena ngenxa yokuba angasebenzisa idiphozithi yokukhusela xa ungagqibekanga.
Emva kokuba unekhadi lekhredithi elikhuselekile, okanye ezimbini, zisebenzise njengethuba lokuguqula umlando wakho wekhredithi. Yenza iintlawulo zakho ngexesha nganye ngenyanga kwaye ulawule ukulinganisela kwekhadi lakho lesikweletu. Emva kweenyanga ezimbalwa zeentlawulo ezifike ngexesha, umniki-khadi wakho wekhredithi unokuguqula ikhadi lakho kwikhadi elingakhuselekanga. Kwaye, ukuba akunjalo, usenokuba wakha umlando onokwaneleyo wesikweletu ukuze ufaneleke ngokwakho.