Yiyiphi imboleko yokuTyala?
Umda wakho weekhredithi ngumlinganiselo ophezulu onokuboleka. Ukuba unekhadi lesikweletu, unokuchitha ixesha lakho kumyinge wakho wesikweletu. Kuyafana nezinye iimali-mboleko, ezifana nemigangatho yokulingana neentengo zemali : umda wakho wekhredithi ngumthombo wemali ongazifumana kuyo.
Emva kokuba uyisebenzisa, kufuneka uhlawule umboleko wakho ukuba ufuna ukuchitha kwi-akhawunti kwakhona (mhlawumbi, unokukwazi ukufumana umlinganiselo wakho wesikweletu).
Indlela Echaphazela ngayo Amanqaku Am
Umda wakho weekhredithi yingxenye ebalulekileyo yamanqaku akhokredithi. Kwinqanaba lekhredithi ye-FICO (amanqaku aqhelekileyo asetyenziswayo ukufumana iimali-mboleko ezinkulu njengemali yokubolekwa kwemali kunye nemali-mboleko yemali), "iimali ezifunekayo" ze-akhawunti zee-30% zamanqaku akho - yinto yesibini ibalulekileyo .
Iyiphi amanqaku eFICO ekhangele? Ukuba uboleka imali eninzi, ubonakala unengozi. Enye indlela yokuqikelela ukuba unokuyeka njani ukwenza iintlawulo ngokuthelekisa imali onokuyiboleka kuyo imali oyibolekayo.
Ngokubanzi, kulungile ukuboleka kuphela isahlulo sezinto ezikhoyo kuwe; I-30-35% inokuphakama njengoko ufanele uhambe (ngoko ukuba unomlinganiselo wemali-mboleko ye-$ 1,000, ufuna ukugcina ibhalansi yakho phantsi kwe-$ 350 okanye njalo ngamaxesha onke).
Ukuba uboleka kangangoko bakuvumela ukuba ubaleke, ababolekisi baya kunxunguba ukuba uyayichukumisa, kwaye baya kuqala ukuba bazibuze ukuba uye wabetha iqhosha elibi kwaye ukuba uya kukwazi ukuqhubeka kunye lakho ntlawulo. Ngokuqinisekileyo, oku kwenziwa konke ngeekhomputer, ngoko ke akukho mntu uxhalabileyo-ikhomputha ikhangele indlela osebenzisa ngayo, ingenza ezinye iikhompyutha, kwaye ikhupha amanqaku aphantsi kwekhredithi.
Ukuba Uhlawula ngokupheleleyo
Kuthekani ukuba uhlawula ibhalansi yakho nyanga zonke? Leyo yindlela efanelekileyo, kodwa izikolo zakho zekredithi zisenokubandezeleka. Eyona nto ibaluleke kakhulu yintoni umboleki wakho (inkampani yekhadi lesikweletu, okanye i-home equity loan) Basenokubika ingxelo oyibolekisiweyo ngexesha elithile ngaphambi kokufika kwakho kwentlawulo-ke i-computer engenawo iikhompyutha ayiyazi ukuba uyihlawule ibhalansi. Ngenxa yoko, kukulungele ukugcina izilinganiso zakho ziphantsi nangona ungazange uhlawule ipenny inzala.
Ukuba uthanda ukufumana umvuzo wekhadi lesikweletu (okanye ukuba unandipha inzuzo kwezinye iindleko zekhadi lesikweletu), ungavumeli ibhalansi yakho yekhawunti iphakame kakhulu. Unokwenza iintlawulo ezongezelelweyo ngexesha leenyanga ukuba ufuna ukugcina ibhalansi yakho iphantsi, okanye unokucela ukunyuka kwemali yemali ukwenzela ukuba kubonakale sengathi usebenzisa ubuncinane beentengo zemali ezikhoyo.
Imboleko Yesixhobo
Xa kuziwa kwiimali-mboleko zentengo ohlawula ngokuthe ngqo ngokuhlawula rhoqo ngenyanga, akukho nto ongayenza. Xa imali yakho mboleko ingumtsha, ibhalansi yakho mboleko iya kuba yindoda ephakamileyo kakhulu kwisixa sakho semali-mboleko. Nangona kunjalo, oku akuyona into enkulu - i-credit score model iyazi ukuba zeziphi iimboleko zemali mboleko kunye nokubolekwa kwemali-mboleko (evulekileyo, njengekhadi lesikweletu).
Kuqhelekile ukuba ube nezilinganiso eziphezulu kwiimali mboleko zokufaka i-installment ekuqaleni kodwa ngokuqinisekileyo unceda ukuhlawula phantsi kwexesha.