Ukusetyenziswa kwetyala kunye namanqaku akho ekhredithi
Kukho izinto ezinhlanu eziphambili ezichaphazela amanqaku akho ekhredithi : umlando wokuhlawula (35%), inqanaba lesetyala / ukusetyenziswa kwetyala (30%), iminyaka yobudala (15%), ukuxuba inkokhelo (10%), kunye nemibuzo yekhredithi ( 10%). Ukusetyenziswa kwetyala kunempembelelo enkulu kumanqaku akho okwekhredithi, kodwa yintoni na kwaye ungayiphatha njani ukuba ufumane amanqaku amanqaku angcono?
Iyintoni ukusetyenziswa kwemali?
Ukusetyenziswa kwetyala kukulingana nemilinganiselo yekhadi lakho lesikweletu kumlinganiselo wemali.
Ilinganisa umlinganiselo wesikali sakho semali esetyenzisiweyo. Ngokomzekelo, ukuba ibhalansi yakho i-$ 300 kwaye umda wakho weekhredithi ngu-$ 1,000, ngoko ukusetyenziswa kwetyala lakho kwikhadi lekhredithi ngu-30%.
Ukubala ukusetyenziswa kwetyala lakho kukwahlula kuphela ukulinganisela kwekhadi lakho lesikweletu ngomda wakho wesikweletu uze wande nge-100. Ukusetyenziswa kweekredithi eziphantsi kubonisa ukuba usebenzisa kuphela inani elincinane lekhredithi ebolekelwe kuwe.
Amanqaku akho ekhredithi - kuquka ukusetyenziswa kwekhredithi - ibalwa ngokusekelwe kwingcaciso kwingxelo yakho yekhredithi. Ngenxa yokuba ulwazi lwekhadi lesikweletu lihlaziywa kwingxelo yakho yekhredithi ngokusekelwe kwimijikelezo yokuhlawula kwaye kungekhona ixesha langempela, umlinganiselo wakho wekhredithi awukwazi ukubonakalisa utshintsho olusandul Endaweni yoko, umda wokulinganisela kunye nomda weekhredithi njengemali yakho yokuvala i- akhawunti yekhadi lesikweletu yinto esetyenzisiweyo ukubala amanqaku akho.
Ukusetyenziswa kwamatyala kwimiba yakho yekhredithi
I-FICO yokumakisha imodeli ibhekiselele ekusebenziseni i-credit kwiindawo ezimbini. Okokuqala, libala ukusetyenziswa kwetyala nganye kwikhadi lakho lekredithi ngokuhlukileyo. Emva koko, kubalwa ukusetyenziswa kwakho kwetyala jikelele, oko kukuthi, isixa-mali sawo onke amabhalansi akho ekhadi lesikredithi xa kuthelekiswa nemilinganiselo yakho yemali yengxowa .
Ukusetyenziswa kwekhredithi ephezulu kuyo nayiphi na inqanaba kunokulimaza amanqaku akho.
Ukusetyenziswa kwetyala ngu-23% we- VantageScore , olunye uhlobo lweentengo zemboleko ekubaleni ukubalwa, kodwa amanqaku abuye aqwalasele iibhalansi zakho njenge-15% kunye nekhredithi ekhoyo njengama-7 % emanqaku ayo. Ingqikithi, inani lemali lakho lekhadi lekhredithi lichaphazela u-45% we-VantageScore yakho.
Kutheni ukusetyenziswa okubi kukubi?
Khumbula ukuba injongo yenqaku lekhredithi ukulinganisa amathuba okuba uya kubuyiselwa imali oyibolekayo. Ezinye izinto zisenza sonke sikwazi ukusilela kwiimboleko zetyala. Enye yale micimbi yikhadi lekhredithi ephezulu kunye nezikolo zemali mboleko. Izilinganiso ezisemgangathweni zinzima kunzima ukuzithengisa kwaye zingabonisa ukuba uphumelele. Ukusetyenziswa okuphezulu kukunciphisa amanqaku okuthenga ngetyala kunye nezibonakaliso kubaxhamli abaza kubakho umngcipheko wokwehla emva kweentlawulo.
Gcina ukusetyenziswa kwakho phantsi
Awukwazi ukukhohlisa amanqaku eFICO ekucingeni ukuba ukusetyenziswa kwakho kwetyala kuphantsi ngokuhlawula ibhalansi yakho ngokupheleleyo ekupheleni kwenyanga nganye. Ukuba ibhalansi yakho iphakamileyo xa umnikeli wakho ethumela ulwazi lweakhawunti yakho kwii- credit bureaus , ngoko ke ukusetyenziswa kwekhredithi esetyenzisiweyo kwinqanaba lakho lekhredithi liya kuba phezulu.
Ngethamsanqa, unako ukugcina ukusetyenziswa kwetyala elincinci ngokugcina ibhalansi yekharityhulam ephantsi-ngaphantsi kwe-30% yemingcele yakho yemali.
Ukuqinisekisa ukuba ingxelo yakho yekhredithi ibonakalisa ibhalansi yekharityhulam ephantsi, qinisekisa ukuba ibhalansi yakho iphantsi nge-akhawunti yakho yokuvala ingxelo (umhla wokuhlawula umvuzo wakho uphela). Khangela ikopi yakutshanje yesitatimende sakho sokubhatala ukuze ulinge umhla wokugqibela we-akhawunti.
Ukuba ngenxa yesizathu esithile, umnikeli wakho wekhadi uyanciphisa umda wakho wesikweletu , kubalulekile ukunciphisa ukulinganisela kwekhadi lakho lesikweletu ukwenzela ukunciphisa ukusebenzisa kwakho i-credit. Oku kuyinyaniso ngokukodwa ukuba umlinganiselo wakho wesikweletu esezantsi usekufutshane okanye ekufutshane nekhadi lakho lekhadi lesikweletu.
Ngethamsanqa, ukusetyenziswa kwekhredithi ephezulu akuyi kuba yingozi kumvuzo wakho wekhredithi ngonaphakade. Ngokukhawuleza xa uyanciphisa izilinganiso zekhadi lakho lokuthenga ngetyala (okanye ukwandisa imingcele yakho yekhredithi), ukusetyenziswa kwakho kwetyala kuya kuncipha kwaye umlinganiselo wakho wekhredithi uza kunyuka.