Amanqaku akho ekhredithi ngumbolo yeenombolo ezintathu ezisetyenziswe ngababolekisi nababolekisi ukuba bavume (kwaye ngamanye amaxesha bayayiphika) izicelo zakho. Naziphi na izicelo ezintsha, ezibandakanya izicelo ezintsha zekhadi zetyala, ziyakuchukumisa amanqaku akho.
Yintoni eyenzekayo xa Ufaka isicelo seKhadi leMatyala
Abaniki bamakhadi bamakhadi bathatha inqaku lakho kwimbali yakho yeebhanki ukuvuma isicelo sakho. Umnikezeli wekhadi ufuna ukwazi indlela oye waphatha ngayo amakhadi akhokredari kunye namanye amatyala, inani lemali evulekileyo, nokuba uhlawule ngexesha okanye unobungozi obukhulu, kunye nemali ephetheyo kumakhadi akho ekhredithi kunye mboleko.
Imbali yakho yematyala yindawo efanelekileyo yokufumana le ngcaciso.
Naliphi na ishishini, umniki wekhadi lokuthenga ngetyala, uhlolisisa ingxelo yakho yekredithi ngenxa yesicelo sakho, uphando lubekwe kwingxelo yakho yekhredithi ukubonisa ukuba umntu ukhangele ikhredithi yakho. Ipesenti ezilishumi zamanqaku akho ekhredithi zisekelwe kwinani lemibuzo kwingxelo yakho yematyala kwiinyanga ezili-12 ezidlulileyo.
Indlela Izicelo ezichaphazela ngayo amanqaku akho kwiNgxowa-mali
Ekubeni izicelo ezintsha zemali-mboleko ngu-10% wemali yakho yematyala, izibalo ezilula zibonisa ukuba umlinganiselo wakho wekhredithi unokuma ufikelele kumanqaku angama-70 ukuba unamaqaku angamakhulu angama-700, ngokomzekelo. Ngethamsanqa, akunakwenzeka ukuba uya kulahlekelwa ngamanqaku amaninzi kwisicelo esisodwa sekhadi lesikweledu kuba kukho ulwazi olungakumbi olubandakanyiweyo kumanqaku akho ekhredithi "aya kuthatha" impembelelo yezicelo zekhadi lesikweletu. Nangona kunjalo, ukwenza izicelo ezininzi kwixesha elincinci kungabiza amanqaku amanqaku ekhredithi.
Impembelelo ngqo kumanqaku akho ekhredithi kuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi.
Nangona amanqaku akhotyala ayenzakaliswa ngemibuzo eyongeziweyo, umniki wekhadi unokukhanyela isicelo sakho sekhadi lesikweletu ngenxa yokuba usebenzise izicelo zamanye amakhadi atshanje. Izicelo ezininzi zakutshanje zingabonwa njengexeshelwa ngetyala kunye nokuphelelwa lugqithiso luhlala lucima.
Okanye, kunokubonisa ukuba uthatha ama-akhawunti amaninzi ngexesha elifutshane, ukuhamba okungenza kube nzima ukuhlawula zonke iintlawulo zakho zenyanga. Abanye abakhupha amakhadi abemboleko bekhredithi bakhanyela abanikazi bamakhadi abonakala bekhishwa ngamakhadi- ngxowa-evula ngokukhawuleza amakhadi ekredithi ukuze bafumane ibhonasi yokubhalisa.
Ingaba isicelo sakho sivunyiwe okanye sichithwa asinakuphazamisa amanqaku akho ekhredithi, kungekho ngokuthe ngqo. Ukuba uvunyiwe, ukuvula ikhadi elitsha lekhredithi kunokukuhlawula amanqaku kwi "yobudala bembali yengxelo yembali" ngenxa yokuba linciphisa iminyaka yobudala bembali yesikweletu. Ukuphikiswa, ngakolunye uhlangothi, akusayi kuba nefuthe kumanqaku akho ekhredithi.
Ixesha eliya Kuba libala Kangakanani isicelo?
Iindaba ezilungileyo kukuba iimali zesikweletu kuphela ezenziwe kwiinyanga ezili-12 ezidlulileyo zisetyenziselwa ukubala amanqaku akho. Kwaye emva kweenyanga ezingama-24, le mibuzo iyancipha ingxelo yakho yekhredithi ngokupheleleyo. Umda wexesha usebenza kuphela kwimibandela yesikweletu. Olunye ulwazi olungenakuchazwa ngxelo yengxowa luya kuhlala kwi-credit report ingxelo yakho.
Kutheni ukufaka isicelo kwiKhadi leMatyala Ukuba liyakwenza kakubi i-Credit yakho?
Ukufaka isicelo ngekhadi lesikweletu kunokulimaza amanqaku akho okwekhredithi kwixesha elincinci, kutheni kufuneka ubalekele ukwenza izicelo ezintsha ukuba ulungiselela i mboleko enkulu njengemali yokubolekwa kwemali okanye umboleko wemoto, ngokukodwa kwiinyanga ezi-6 ukuya kwezi-12 ezizayo.
Ngethuba nje uxanduva lakho ngekhadi lakho lesikweletu kunye nezinye iakhawunti zezimali, umlinganiselo wakho wekhredithi unokuhlawulela kuwo nawaphi na amaphulo alahlekileyo kunye nesicelo esitsha sekhadi lesikweletu. Yaye khumbula, ngelixa kukho ithuba lakho lokuthenga ngetyala lingakuchukumisa isicelo esitsha sekhadi lesikweletu, akukho siqinisekiso esiza kwenzeka.