Abathengi beli qela bathathwa ngokuba "ingeniso engabonakaliyo," oku kuthetha ukuba abanalo mlando wekhredithi kunye naliphi na i-arhente zengxelo zeentengo zentengiso kwilizwe lonke, i-Equifax, iTransunion, i-Experian, okanye "engaqinisekiyo" .
Kodwa bafumana njani xa kubonakala ukuba amanqaku ekhredithi ayifunayo ukwenza yonke into?
Oko kuthetha ukuba akukho ntlawulo
Ukungabikho kwamanqaku okuthenga ngetyala akuyi kudideka kunye nokuba nomlinganiselo ophantsi wekhredithi okanye i-credit card. Kwaye akuthethi ukuba umthengi akanakho imbali yekhredithi.
I-Fair Fair Corporation, evelisa i-FICO Score, ithi inqaku liza kuveliswa, ingxelo yakho yekredithi kufuneka ibe "ubuncinane i-akhawunti evulelwe iinyanga ezintandathu okanye ngaphezulu, kwaye ubuncinane i-akhawunti echazwe kwi-credit bureau kwisithuba seenyanga ezintandathu ezedlulileyo. "Ngoko kunokwenzeka ukuba umboleki abe nomlando weebredari kodwa akukho namanqaku ekhredithi, njengoko bekuya kwenzeka kubaxhasi abahlawula amatyala abo baze bavale iakhawunti zabo.
Ngaba awufanele ube namanqaku okuthenga ngetyala ngamaphuzu enkqantosi okanye engekhoyo, okanye ukuba ucinga ukuvala i-akhawunti yakho emva kokuhlawula ityala, uyazi ukuba ubomi obungenakunqaku-mboleko kunokwenzeka-kodwa akusoloko kulula.
Nazi ezinye iziganeko ezingenawo umlinganiselo wesikweletu zingabangela umngeni.
Ukuqesha indlu
Ukuqeshisa igumbi elingenawo amanqaku ekhredithi kungafuna umyalelo omncinci kwinqanaba lakho ukufumana umninimzi oza kusebenza nawe. Iinkampani ezinkulu zokuphatha ziqhuba inamba yezicelo ezininzi kwiipropati ezininzi kwaye zithembele kakhulu kwii-FICO Scores.
Ngakolunye uhlangothi, ukuba urenta kwikhampani encinci okanye umntu, banokuba nezimo ezinzulu kwiimfuno zabo zamanqaku ezikolo. Ukuxela ngokutshintshela umninikhaya ongenakho ukufumana umvuzo wekhredithi ngaphambi kokuba bahlolisise kufuneka bandise amathuba okunyusa kwabo.
Ukukhangela Ingqesho
Kusenokwenzeka ukuba uye wakuva ukuba abaza kubaqeshi banokujonga i-credit yakho. Ngaphandle kokuba usebenze kwelinye lamaziko angama- 11 ekunqanda ukuhlolwa kwekhredithi yangaphambi kokuqeshwa , oko kuyinyaniso-ngokugunyazwa kwakho, umqeshi onokuthi unokujonga i-credit yakho ngexesha lomsebenzi wesicelo.
Kodwa yile nkcazelo kwingxelo yakho yekhredithi ukuba ubavumela ukuba bafikelele kuzo, kungekhona izikolo zakho zemali. Ukungabikho kwamanqaku ekhredithi akuyi kuchaphazela izigqibo.
UkuThuthukisa Inqwelo-mali
Iinkampani ze-inshurensi yemoto ziqwalasela umlando wekhredithi ngexesha lokubhala phantsi. Nangona kunjalo, basebenzisa inqaku elithile le- inshorensi elisekelwe kwingxowa-mali efumaneka kwiinkcukacha kwingxelo yakho yemali-mboleko, kungekhona i-credit score.
Ngokutsho kweNkqubela, "Inqaku le-inshurensi lilinganiselwa kumanqaku avela kwingcaciso malunga neengxelo zemali-mboleko ... sihlakulela indlela yethu ngokuhlalutya idatha elandelayo ebantwini esibaqinisekiseyo; ulwazi lweengxelo zemboleko. "
Amanqaku akho ekhredithi akuyona into ebalulekileyo ekukhuseleni i-inshurensi yemoto, ngelixa umlando wakho wekhredithi.
Ukufumana Iifowuni zeeNgcono kunye nokuQala iiNkcazo zeNkonzo
Ezinye iiselfowuni kunye nabanikezeli benkonzo bajonga i-credit yakho xa benwezela inkonzo. Kodwa bahluke ngendlela abavavanya ukungabikho kwamanqaku.
Abanye abanikezeli ngeenkonzo bawushiya loo nto kwiinqununu zabo, ngelixa abanye bengenakwandisa amaxabiso abo okanye iinkqubo zenkonzo okanye bafuna idiphozithi.
Ukufaka isicelo sokuthenga imali
Ukuxhaswa kwemali ukuthenga ikhaya ngaphandle kwamanqaku okuthenga ngetyala kuya kufuna umzamo othile kodwa uyakwazi ukuyenza.
Inkqubo yokubhaliswa kwempahla yenkxaso-mboleko ichazwe ngokucacileyo kwaye ingqongqo, kwaye ngenxa yoko, abaninzi ababolekayo bafaka ubunzima obuninzi kumanqaku ekhredithi ukuvavanya ukuthenga imali.
Nangona kunjalo, abanye abathumeli bemali mboleko baya kwenza ukubhalwa kwesikhokelo kwincwadi apho bavavanya iifayili yakho ngaphandle kwamanqaku ekhredithi.
Ngokuqhelekileyo, kuya kufuneka ukuba unikezele ubungqina bembali yexesha lokuhlawula i-akhawunti yakho engekho ngetyala njengentlawulo, ifowuni, iinkonzo kunye nezinye iindleko zenyanga.
Akunakwenzeka ukuba ufumane ibhanki enkulu ekulungele ukubhala phantsi kwemali engenayo ngaphandle kwekhredithi, kodwa unokhetho phakathi kwababolekisi abancinci, ababolekisi be-intanethi, amabhanki asekuhlaleni, kunye neemanyano zesikweletu.
Ubomi ngaphandle kweNqaku leMboleko
Kunokwenzeka ukuba uphile ngaphandle kwemali yesikweletu . Nangona kunjalo, siphila kwihlabathi elixhaswa ngetyala, okuya kwenza ukuba kungabi nakunzima amanqaku ngamanye amaxesha. Akunakwenzeka? Cha. Ewe.
Kubalulekile ukwazi oko kusemandleni akho ukuba ukhethe ukuba ungabi namanqaku okuthenga ngetyala kunye nokugqiba ukuba ngaba yindlela efanelekileyo kuwe.