Izikolo eziphantsi kweebredithi zingaba nefuthe elide. Ukuba uthengisa nge-mortgage okanye olunye uhlobo lwembolekiso, umlinganiselo ophantsi wekhredithi unokukhokelela kwisantya esiphezulu somdla okanye ngaphezulu, ukuphika. Abanye abathengi baye bafumana umgca-okanye bacinga.
Imvelaphi
Kubizwa ngokuba yi-piggybacking. Njengomsebenzisi ogunyazisiweyo kwi-akhawunti yomntu wesikweletu, umlando we-akhawunti uza kubonakala kwingxelo yakho ye- credit . Ukuba i-akhawunti apho ungumsebenzisi ogunyazisiweyo unembali enetyala yebhanki, unokubona ukukhuliswa kwinqanaba lakho lesikweletu.
Ukuba awunalo uphawu lokuthenga ngetyala, ukongeza eziliqela zale akhawunti zingakwandisa amanqaku akho ukuze ufumane imvume yemboleko okanye unikeze inzala engcono.
Kuthekani ukuba kukho indlela onokuyihlawula ngayo imali "yokuboleka" ulwazi lomntu wesikweletu kwaye uyifake kwingxelo yakho yekredithi? Iinkampani ezinikela ngenkonzo enjalo zivela kwi-intanethi.
Ukuthengwa Kweenkonzo Zetyala ezingcono
Uhlawula inkampani umrhumo ovela kumakhulu ambalwa ukuya kumawaka ambalwa eedola ngokuxhomekeke kwinani leakhawunti ofuna ukuyongeza. Unika igama lakho nenombolo yokhuseleko loluntu. Inkampani ifumana abantu abaneakhawunti ezifanelekileyo zekredithi ukuze bakongeze njengomsebenzisi ogunyazisiweyo kwi-akhawunti eyodwa okanye ngaphezulu.
Xa inkampani yekhadi lesikweletu lixelile kwii-credit bureaus, uyasuswa kwiakhawunti. Ulwazi lwe-akhawunti lubonakaliswe kumanqaku akho ekhredithi kwaye ihlala kwingxelo yakho yekredithi iminyaka eyisixhenxe. Imbali efanelekileyo yokuhlawula ingakunciphisa ezinye iinkcukacha ezingalunganga kwingxelo yakho yekhredithi kwaye ukwandisa amanqaku akho.
Esemthethweni, kodwa engathandekiyo
Nangona kusemthethweni-ngoku kungokungathembekanga. Xa udlula enye ityala elifanelekileyo njengetyala lakho, ulahlekisa ababolekisi nababolekisi. Okubalulekileyo, ubaxelela ukuba uhlawule iimali zakho ngexesha, xa ngokwenene awukho. Ukuba ufumana imvume yokuboleka imali usebenzisa le ndlela, ufumene imvume phantsi kobuxoki.
Inkqubo yokubolekisa ngekhredithi isendaweni ngesizathu-ukunika ababolekisi nababolekisi inkqubo apho bangenza izigqibo ezibolekileyo zokubolekisa. Nangona kukho ezinye iimeko, i-credit rating score system is honestly about whether you will pay your bills.
Xa ufumana imvume kumboleko okanye kwikhadi lekhredithi ngaphandle kwemikhawulo yokuchitha imali ngexesha, kunokwenzeka ukuba uya kutshintsha kwaye ugqibe ukuphazamisa amanqaku ahlawulwa ngamatyala akhokhe amawaka, kwanamawaka eedola ukufumana.
Ubumfihlo kunye nezoKhuseleko
Kufuneka unikeze inombolo yakho yokhuseleko yoluntu ukuba ungezelelwe njengomsebenzisi ogunyazisiweyo kwi-akhawunti yomnye umntu. Inombolo yakho yenombolo yokhuselo yoluntu ezandleni zomntu onokungeza kwiakhawunti yakhe (okanye). Indlela indlela le nkqubo isebenza ngayo, awukwazi ukuba ngubani lo mntu okanye ukuba ngasese baya kugcina ulwazi lwakho lomntu.
Nanini na xa unikezela inombolo yakho yokhuseleko lenhlalakahle, kukho umngcipheko ukuba ubume bakho bubiwe. Musa ukucinga ukuba ngenxa yokuba usuvele unomvuzo ongekho embi, loo monakalo owongezelelweyo awunakwenziwa ukuba ubuni bakho bubiwe.
Iiplgybacking Schemes azikho ixesha elide
Le ndlela yokulungisa iitaliti yokufaka imbali yamatyala entle ngenye yezinto ezibangele i-credit crisis ngo-2008.
Abaninzi abbolekayo basebenzisa izikolo zabo zokuthenga izikweletu ukuze bafanele ukubolekwa imali engenakukwazi ukuyihlawulisa. Ngenxa yoko, i-credit score score algorithms okanye isaphulelo se-akhawunti yomsebenzisi ngokupheleleyo okanye ayiboni ukuba i-akhawunti yomsebenzisi ogunyazisiweyo eneeenjongo zokukhuthaza iinjongo.
Indlela e bhetele
Esikhundleni sokuchitha amawaka eedola eziqeshisa i-credit card yomnye umntu, yichithe imali ekuphuculeni i-credit yakho. Thatha uhlalutyo lwamatyala akho uze ufake isicwangciso sokuzihlawula.
Uqeqesho olufumanayo ngokufumana amanqaku amanqaku okuthenga ngetyala kuya kukunceda kakhulu ngexesha elide kunokuba udlulise ityala elihle lomntu onjengeyakho. Funda malunga neCNN .