Yintoni eLawulayo?
Ukubuyiswa yinkqubo apho umnini-zimali angayithatha isithuthi sakho, ngamanye amaxesha angakuxwayanga kwangaphambili okanye uvumele imvume enkundleni. Imithetho yokuhlaziya imoto iyahluka ngobuso, kodwa isivumelwano sakho sokuthengwa kwemoto kufuneka sibandakanye iinkcukacha malunga nokuba kwaye nini na wakho umboleki weemoto angakwazi ukubuyisela imoto yakho.
Ukubuyiswa ngokuphindaphindiweyo kwenzeka emva kokuba ube emva kweentlawulo zakho zemali mboleko.
Umboleki wakho unokukwazi ukuqala inkqubo yokubuyiselwa xa usemva kuphela ngentlawulo enye.
Iintlobo ezimbini zokuPhinda
Kukho iintlobo ezimbini ezibalulekileyo zokubuyisela - ukuzimela ngokuzithandela nangokuzibandakanya. Ukuzimela ngokuzithandela xa uhambisa imoto yakho kumboleki, umzekelo, ngenxa yokuba awukwazi ukukwazi ukwenza iintlawulo zenyanga. Ngokuziphindaphinda ngokungathandabuzekiyo, apho igama elithi "repossession" lithetha ngokuqhelekileyo, umboleki-mali uza kubuyisa imoto. Umboleki angayithatha imoto kwipropati yakho ngaphandle kwemvume yakho nje kuphela xa bengakuphazamisi okanye ngabahlobo bakho kule nkqubo.
Kubalulekile ukwazi ukuba ukuba isithuthi sakho siphindwe-ngokuzithandela okanye ngokuzithandela - yakho mboleko mboleko ayikhenxiswanga. Ngelishwa, usalindele i-balance ngenxa yemboleko yakho nangemva kokuba isithuthi sithatha. Umboleki wakho wezemoto unokuqhubeka nokuqokelela ngemboleko yemali ngokukubiza, ukuthumela iileta, okanye ukusebenzisa umqokeleli wetyala lomntu wesithathu.
Bangakwazi ukukugweba ngenxa yesigwebo esilahlekileyo esiya kubandakanya imali efanelekileyo ngenxa yemboleko kunye neendleko ezinxulumene nokubuyisela kwakhona isithuthi. Umboleki wakho angathengisa okanye uyithengisa isithuthi sakho, kodwa ixabiso alinakwanela ukufaka imali mboleko yakho. Kwimeko enjalo, usenokholo lokusala kwe mboleko.
Impembelelo Kwimali Yakho kunye neNkcazo yeNgxelo eNgxelo
Ukubuyiswa kweminye imiphumo yakho yekhredithi. Enyanisweni, yenye yezinto ezimbi kakhulu ezinokuthi zenzeke kwikhredithi yakho, okwenza ubomi bakho bezezimali bunzima ngakumbi kwiminyaka ezayo. Okokuqala, ukuhlawulwa kwexesha elifutshane elikhokelela ekuhlaleni liyakonakalisa amanqaku akho kwikhredithi emva kokuba kuxelwe kwi-credit bureaus. Emva koko, ukuhlaziya ngokwakho kuya kubalwa kwicandelo likarhulumente karhulumente kwingxelo yakho yekhredithi. Ukuba umboleki-mali ufumana isahlulelo sokuntuleka kwerhafu yemboleko mboleko, eso sigwebo siya kuhamba kunye neengxelo zakho zemali. Iqoqo ehambelana nokusweleka kwesigqibo singathintela amanqaku akho ekhredithi.
Ukubuyiselwa kunye nezinto ezichaphazelekayo ziya kuhlala kwi-credit report yakho iminyaka eyisixhenxe, nangenxa yokuzimela ngokuzithandela. Impembelelo kumanqaku akho okwekhredithi iya kuncipha njengoko ixesha lihamba kwaye njengoko wenza iintlawulo ezifike ngexesha lakho kwezinye iimbopheleleko zemboleko.
Ukuphindwa kwakhona akusiphela isiphelo sehlabathi. Unokwakha kwakhona umlinganiselo wakho wekredithi uze ufanele ukufumana enye yemboleko yemoto esikhathini esizayo. Musa ukuvumela zonke ezinye iindleko zakho ziwe emva kokuba uhlaziye ingxelo kwingxelo yakho yekhredithi. Iintlawulo ezikhawulezileyo kwenye i-akhawunti yakho ziyakunqumla umonakalo ukusuka ekuhlaleni.
Ngaba Unokuyiphephekisa Ukubuyiswa?
Unako ukukhusela ukuhlaziywa ngokubambelela kwiintlawulo zakho ezigqithisileyo . Thetha kumboleki wakho ukufumanisa ukuba kufuneka uhlawule phi i-akhawunti yakho yangoku kwakhona. Nangona uza kuphepheka ukuba ube nokuhlaziya okubhaliweyo kwingxelo yakho yekredenti, unako ukukwazi ukuphepha ukufakwa okungekho kwexesha lokugqibela lokuhlawula okukhokelela ekuhlaleni.
Ukuba iintlawulo zakho zemali mboleko ziphezulu kakhulu, qwalasela ukuhlaziywa kwimali-mboleko yemoto entsha kunye neentlawulo ezithengiweyo. Ukuhlawulwa kwemali mboleko kunokunciphisa intlawulo yakho yanyanga zonke kunye nexesha elide lokuhlawula, inzala engaphantsi, okanye zombini.
Ngenxa yokuba ukuhlaziya rhoqo kufuna ukuba ube nekhredithi enhle, uqala ukuzama ukulungiswa kwemboleko yakho ngaphambi kokuba ulahlekelwe nayiphi na intlawulo. Iintlawulo ezingekho phantsi zingakunyanzelisi ukuhlaziywa okanye ukuba ufanelekile, imigaqo-mboleko ayikwazi ukufumana inkokhelo ephantsi yenyanga.
Ukulungiswa Kwetyala Lakho Emva kokubuyiswa
Ukuba nokuhlaziya kuya kuba nefuthe kakhulu kwi-credit yakho, kodwa kungekhona ngonaphakade. Ukuhlawula ibhalansi yemalimboleko eseleyo kuza kubonakala kungcono kwingxelo yakho yekhredithi. Nangona ungeke ukwazi ukuhlawula ibhalansi, ukungena kuya kuhlawula ingxelo yakho yekredithi emva kweminyaka eyisixhenxe.
Okwangoku, khusela ezinye iakhawunti zekredithi. Qhubeka uhlawula ngokukhawuleza kwamanye amakhadi-kredari kunye nemali-mboleko ukuze uncedise ngokukhawuleza amanqaku akho okwekhredithi.