Irente yakho yenyanga yenye yeebhanki ezibalulekileyo ozihlawula ngenyanga. Zonke ezo ntlawulo eziqeshwe ngexesha kufuneka zibale into ethile, kunene?
Ngomqondo othile, ukurenta indlu kufana nesibonelelo seenyanga ezi-12 ozibuyiselayo kwizitofu zenyanga. Ubuncinane aba bahlawuli bemvume xa basebenzisa ingxelo yengxelo yemboleko ngaphambi kokuba baqeshe indlu. Ukususela kuloo mbono, ukuhlawulwa kwerenti efanelekileyo ngexesha elifanelekileyo kufuneka kuncede amanqaku akho okwekhredithi, ngokukodwa ukususela emva kokuhlawulwa kwexesha lokuqashisa kunye nokukhutshwa kungaphazamisa ngokupheleleyo amanqaku akho.
Oku akuyi kubonakalisa kuphela amandla akho okurenta enye indlu, kodwa yenza kube nzima ukuba ufumane imvume yamakhadi-mboleko kunye neemboleko.
Iingxowa-mali zeeNkcazo kunye neNgxelo yeRhafu
Ngoku kutshanje, ezinye izakhiwo zendawo ziqalise ukubika iingxowa zentlawulo ngeRoyBureau inkqubo yokunika ingxelo yokubhalwa kwerenti ephantsi kwe-Experian, enye yezona zikhulu zentengiso ezinkulu. Ukuba urenta kumnini womnini osebenzisa iRhafuBureau, iintlawulo zakho zenyanga zerenti ziza kubonakala kwingxelo yakho yekredenti, ngaloo ndlela uphucula amanqaku akho ekhredithi-kodwa kuphela amanqaku akho kunye ne-Experian ekubeni i-credit bureaus ayabelane ngolwazi.
I-TransUnion ineenkonzo ebizwa ngokuba yi-ResidentCredit evumela ukuba abaphathi bepropati baxele iintlawulo zentlawulo ngokukhawuleza okanye ngeprojekti yedatha yerenti yenkampani yesithathu. Ingxelo yomboleko yenkampani iya kubonisa intlawulo yokugqibela yentlawulo eyenziweyo, inkokhelo elandelayo yehorensi, ngenxa yokuhlawulwa kweentlawulo, kunye naziphi na izimvo malunga neentlawulo eziye zadlulileyo kodwa zifunyenwe ngaphambi komhla wokugqibela weentsuku ezingama-30.
Kodwa, le nkonzo ifumaneka kuphela kwiinkampani ezinezixhobo ezili-100 okanye ngaphezulu. Ukuba urenta kumnini-mncinci okanye umphathi wepropati, mhlawumbi abasebenzisi i-ResidentRent.
Kukho iinkampani ezimbalwa ezincinci ezizama ukuqokelela nokunika ingxelo ngeentlawulo zerhafu: ClearNow, PayYourRent, RentalKharma, kunye neRatTrack ziyimimiselo embalwa.
Indlela Ukubikwa Kwezentengiso Kukunika Amanqaku Akhredithi Yakho
Nangona kubekho inkqubela phambili kwingxelo yokuthenga ngetyala ngeentlawulo eziqeshwe ngexesha elifanelekileyo, akusasazeke. Ukuba urenta kwikhampani encinci okanye umninimzi womntu ngamnye, akunakwenzeka ukuba iintlawulo zakho zentlawulo ziya kuxelwa kwiziko leentengo zemboleko.
Nokuba xa iintlawulo zentlawulo zifakwe kwingxelo yakho yebhanki, abaqinisekanga ukuba bancede amanqaku akho. Kwinqaku le-2014 le-New York Times, umkhulumeli we-FICO uthe i-FICO ayifaki imbali yerenti kwizikolo zemali-mboleko. Oku kuthetha ukuba nangona irenti yakho ibhalwa kwii-credit bureaus, ayiyi kunceda amanqaku akho. Kunokukunceda, nangona kunjalo, ukuba umnini-mhlaba uhlolisise ngokutsha ingxelo yakho yekhredithi efuna ukuthengwa kweendlela eziphathekayo.
Iintlawulo Zesikhokelo kunye nezinye iiNdlophane ziza ku soloko zibuhlungu
Ngaphaya kwehla, ukurenta kungalimaza amanqaku akho okwekhredithi kwezinye iimeko. Ngokomzekelo, ukuba uthe wafika emva kweentlawulo zakho zentlawulo, qhawula umqeshi wakho, ukhutshwe , okanye ungaphumeleli ukuhlawula nayiphi na imali yokuphuma kwaye umnini-mali ubika oku kuhlamba kunoma yiyiphi i-freeaus ezintathu, kuquka i-Equifax ne-TransUnion, eya kuba yingozi akho amanqaku ekhredithi. Ixesha elidlulileyo leemali zokuqeshisa nazo zingathunyelwa kwi-arhente yokuqokelela enokuthi ibhengeze ingxelo kwi-credit report yakho.
Ukuba umnini-mhlaba unokukuyisa enkundleni yokukhutshwa, umlinganiselo wakho wekhredithi uya kuphazamiseka.
Ukusebenzisa iKhadi leMatyala ukuhlawula iRhafu yakho
Unokusebenzisa ikhadi lekhredithi ukuhlawula irenti yakho nokuphucula umlinganiselo wakho wekhredithi ngendlela engathanga ngqo. Vula ikhadi lekhredithi kwaye ulisebenzise ukuhlawula irenti yakho (ukuba umninikhaya wakho wamkela amakhadi ekwereta njengendlela yokuhlawula), ngoko uhlawule ibhalansi yakho yekhadi lesikweletu ngokupheleleyo inyanga nganye. Iintlawulo zekhadi zekredithi ezifike ngexesha ziya kunceda ekuphuculeni amanqaku ekhredithi. Qaphela ukuba abanye abanini-mhlaba bangahlawulisa umrhumo wokusebenza xa usebenzisa ikhadi lekhredithi ukuhlawula irenti yakho.