Indlela iMali echaphazela ngayo iNgxowa-mali yakho
Imboleko ngemali enikwe umntu oyedwa (umboleki) kwenye (umbolekisi) ngesithembiso sokubuyisela. Xa uboleka imali mboleko, usayine isivumelwano esivuma ukuba wenze inani elithile leentlawulo zemali ethile ngomhla othile ngenyanga.
Ngomlinganiselo obanzi, ikhredithi yithemba okanye inkolelo yokuba uya kubuyisela imali oyibolekayo. Kuthiwa unetyala elifanelekileyo xa abathengi bakholelwa ukuba uya kuhlawula amatyala akho kunye nezinye izibophelelo zemali ngexesha.
Nangona kunjalo, ityala elibi libonisa ukuba akunakwenzeka ukuhlawula iibhilikhwe zakho ngexesha.
Iintlawulo zakho ngemboleko kunye nokuba uboleka imali mboleko inomthelela kwikhredithi yakho, ngokukodwa, umlinganiselo wakho wekhredithi leyo imifanekiso yekredithi yembali yakho yekhredithi ngexesha elithile.
Izicelo zeNgxowa-mboleko zichaphazela i-Credit yakho
Ukufaka isicelo somboleko kunganciphisa umlinganiselo wakho wekhredithi, nokuba ngaba kuphela ngamaphuzu ambalwa. Kungenxa yokuba i-10% yekredithi yakho yekhredithi ivela kwinani lezicelo ezisekelwe kwi-credit. Njalo xa ufaka isicelo sekhredithi, uphando lubekwe kwingxelo yakho yemboleko ebonisa ukuba ishishini lihlaziye ingxelo yakho yekhredithi. Imibuzo emininzi, ngokukodwa kwithuba elincinci, ingabonisa ukuba unomdla wokubambisa imali okanye ukuba uthatha ityala lemali mboleko ngaphezu kokuba ungayisebenzisa.
Ukuba uthengisa ngemboleko yemali mboleko okanye umbolekiso wemoto, unesithuba sothando xa iimpendulo ezininzi zeemboleko zingathinteli kumanqaku akho ekhredithi.
Ngaphandle kokuba usenzile ukuthengwa kwentengiso, imibuzo yokubolekwa ngemali iphathwa njengesicelo esisodwa kunezinto ezininzi. Le festile yexesha iphakathi kweentsuku ezili-14 ukuya kwe-45 kuxhomekeke kuloluphi umlinganiselo wekhredithi umboleki ohlola amanqaku akho usebenzisa. Nenjongo yokugcina ukuthengwa kwemali mboleko ngaphakathi kwinqanaba elincinci lexesha lokunciphisa impembelelo kumanqaku akho.
Iintlawulo zemivuzo ezifike ngexesha eliphakamileyo
Emva kokuba uvunyiwe ngemboleko, kubalulekile ukuba wenze iintlawulo zakho zenyanga ngexesha. Iintlawulo zakho zemboleko ziya kuba nempembelelo enkulu kwi-credit yakho. Ekubeni imbali yokuhlawula i-35% yemanqaku akho ekhredithi, ukwenza ii-intlawulo zexesha-mali kubalulekile ekwakheni amanqaku amatyala entle. Nokuba inkokhelo enye ephosakeleyo inokulimaza amanqaku akho.
Iintlawulo zemboleko zesikhashana ziza kunceda ukuphucula amanqaku akho ekwereta, okwenza ube ngumboleki okhangayo. Nangona kunjalo, iintlawulo zemboleko emva kwexesha elide ziyakonakalisa amanqaku akho. Ukungabikho kwemali-mboleko kungabangela uluhlu lweentlawulo ezikhawulezileyo ezilandelwa yintsilelo engathí sina njengokubuyisela kunye nokuchithwa.
Imilinganiselo yeMboleko ephakamileyo inokulimaza iNgxowa-mboleko
Ibhalansi yemboleko yakho ithonya i-credit yakho. Uya kufumana amaphuzu amanqaku ekhredithi njengoko uhlawula ibhalansi yakho phantsi. Inkulu ikhefu phakathi kwexabiso lemali-mboleko yakho yasekuqaleni kunye ne-balance balance loan yakho, ngcono ukuba umlinganiselo wakho wekhredithi uza kuba.
Ingxowa yakho kunye neMali-mboleko yeRhafu
Imboleko yakho njengoko ifanisa nemali yakho engenayo ayifakiwe kwimaphu yesikweletu e thengiswa yi-FICO kunye ne-bureaus ye-credit. Kodwa, abaninzi ababolekayo bajonga ingeniso kwimeko yokukwazi ukubuyisela imali mboleko, ngoko ke izikolo zabo zemali zetyala zingasebenzisa umlinganiselo wakho wesikweletu njengengeniso-mboleko.
Isilinganiso sakho semali-ngeniso-mali sinokufanisa zonke iimali-mboleko kunye namakhadi enkokhelo kwingeniso yakho yonke. Umlinganiselo ophezulu wesikweletu-kuya-ngeniso ungakhulisa umvuzo wakho ngetyala kunye nokukhanyela ngenxa yemboleko.