Inkokhelo yeeNkampani zeeNkxaso zixhamla ababoleki ngeCandelo lokuPhumela
Musa ukukhunjulwa ngokungazi ukuba ngumkhokeli. Wonke umntu ubonakala ezisola.
Yithi uthathe isigqibo sokuthenga ikhaya uze ufumane imali . Ngoko, ubiza umthengisi wemboleko oceliwe kuwe ngu- Realtor , ilungu lentsapho okanye umhlobo. Mhlawumbi lo ngumntu othengisa ngemali mboleko kunye naye owenze ibhizinisi kwixesha elidlulileyo. Ugcwalisa isicelo sokubolekisa imali kwaye ufumane ileta yokumisela kwangaphambili .
Emva koko, ngaphandle kwebala eliluhlaza, umthengi obolekileyo wemali mboleko ubiza wena.
Umboleki angathi bangabambisene ne-credit bureau okanye banikeze esinye isizathu esibomvu-sizathu sokubiza. Izikhalazo zakho zivuswa. Uyazibuza, bazi njani ukuba ufumana imali yokuthenga imali kwaye kungani bekubiza?
Xa ufaka isicelo semboleko, i-credential mortgage yakho ithatha ikopi yengxelo yakho yekhredithi . Oku kubangela uphando. I-credit bureau ijika ijikeleze kwaye ithengise igama lakho kwezinye iinkampani zemboleko. Akunxamnye nomthetho weevenkile zemali-mboleko ukuthengisa ulwazi lwakho kubathengisi benkampani yesithathu. Oku kubizwa ngokuba yi-trigger phambili.
Ukuyeka iZihlandlo zokuBamba
Uphantse ungene kwenye yeyona ntsebenzo enkulu ebomini bakho, kwaye into yokugqibela oyifunayo i-rep rep loan ikubiza kwaye inika amaxabiso angeniso phony. Ukusebenzisana nomsebenzi othembekileyo, kungekhona i-telemarketer. Musa ukuthenga nantoni phezu kwefowuni.
Nazi iindlela ezintathu zokuyeka ukuqhubela phambili ukuhlukumeza:
- Faka igama lakho nenombolo yefowuni kwiSizwe Musa ukubiza iRejista. Ungabhalisa inombolo yakho yefowuni. Yenza oku ubuncinane inyanga ngaphambi kokuba ufake isicelo semboleko ngoba kuthatha iintsuku ezingama-31 ukuba ziphumelele. Yenza inqaku lokubhalisa kwakhona yonke iminyaka emihlanu kuba umyalelo uphela ekupheleni kweminyaka emihlanu.
- Ukukhusela ababolekisi bemali yokuthumela imali ekuthumele i-imeyile ngokuthe ngqo, kuya kufuneka ukuba ubhalise kwi-Direct Mail Association. Ingaba ubhalisa kwi-intanethi okanye ngeposi, kuya kubiza i-$ 1.00, enokuhlawulwa kwikhadi lakho lesikweletu. Bhalisa kwangethuba kuba i-DMA isasaza uluhlu lwayo ngekota, ngoko kungathatha ixesha lokuba isebenze. Oku kubhaliswa kuhle iminyaka emihlanu.
- Bhalisela i-OptOutPrescreen. Oku kuya kumisa ii-freeaus ezine zeentengo zemali ekuthengiseni igama lakho njengendlela yokukhokela. Zizo: i-Equifax, i-Experian, i-Innovis ne-TransUnion. I-Fair Credit Reporting Act ivumela ukuthengiswa kwegama lakho, kodwa ukuphuma kubeka ukuyeka ukukhokela iminyaka emihlanu.
Ababolekisi bangitsho ukuba ngokuphuma, ungeze i-10 ukuya kwe-15 kumanqaku akho kumanqaku akho ekhredithi! Ukubambelela ngokusisigxina, kuya kufuneka ukuba uthumele i-imeyile kubhaliso lwakho, olufumaneka kwiWebhsayithi ye-OptOut.
Ungakho kwakhona imali yakho yokubolekisa ngemali ukuba unokuthintela njani igama lakho ukuba likhokele phambili. Abanye ababolekisi bemali mboleko banokukunika umqulu ongavumelani nokuthengiswa kolwazi lwakho lomntu, ukuba ungasayina ngeli xesha ufumana i-mortgage. Kungenxa yokuba ukuthengiswa kolwazi lwakho lomntu siqu kungaqhubeka emva kokuba imali ebolekwe ngemali ixhaswe kwaye ivalwe. Ngubani owaziyo, unokuba ngumviwa ojoliswe kuyo ukuhlaziywa kwempahla ?
Le ngenye yezizathu zam umyeni kunye nam ndiba nomxholo kwisenzo kwikhaya lethu kunye nemithwalo yemali njengendoda nomyeni esikhundleni somyeni nomfazi. Ngaphandle kwenkcubeko yokubeka bucala nokwenza izinto zibe nzima kunzima kulabo abaqhuba isimo salo, kuqinisekisa ukuba yonke i-imeyili iphendulwe kum.
Kwaye ndiqinisekisa ukuba akukho nto iya kufika kumyeni wam ukuba amcaphukise. Akukho mntu uthanda ukuba ngumkhokeli okhokelayo kwaye uthengiswe ukuba afane nempahla, kodwa ngumsinga wekamva. Eyona nto ibhetele esinokuyenza kukuba uzame ukunciphisa imiphumo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.