Ayikho Imbali Yembali
Xa ungenayo imbali yamatyala, kuthetha ukuba awunanto nayiphi ingxelo kwi-credit card yakho. Awuboleki imali kwixesha elidlulileyo. Kuthetha nje ukuba awuboleki nayiphi na imali kwiminyaka esixhenxe yokugqibela. Le nto ayinzima ukuyinqoba. Abantu abaninzi abangakholelwa ekubolekeni imali abanakho ukufumana imbali yemboleko.
Ukuba ukholeji ungasenayo imbali yesikweletu, ngaphandle kokuba uthathe iirejista zabafundi okanye unekhadi lesikweletu. Ezinye iinkampani zinzima ukusebenzisana nomntu ongenalo mlando wekhredithi kuba abazi ukuba uya kuhlawula izinto ngexesha. Ukuba uncedo kwigama lakho okanye uqeshe indawo yokuhlala ungasebenzisa ezi zinto ukubonisa ukuba uthembekile kwaye wenze iintlawulo zakho ngexesha.
Ukwakha Imbali Yembali
Ukuba udinga ukwakha umlando wesikweletu ungakwenza oku ngokukhipha imali encinci njengemakhadi-mboleko okanye umboleko wemoto.
Yenza iintlawulo zakho ngexesha nganye ngenyanga, kwaye uzame ukuhlawula umboleko kwangoko. Isizathu sokuba ungathanda ukwakha umlando weebhanki kukukwenza kube lula ukufumana imboleko.
Ukuba uthabatha imali-mboleko qinisekisa ukuba uyayisingatha ngokufanelekileyo kuba izigqibo ezimbi zingenza kube nzima nakakhulu ukufumana imali mboleko kunokuba ungenayo ikranti.
Ukuba ufuna umxhasi-mali kumboleko wakho wokuqala, kufuneka uqiniseke ukuba uyayisingatha ngokufanelekileyo, kuba u-cosigner ubeka idumela labo emngciphekweni. Baya kuba nexanduva kwaye amanqaku abo okuthenga ngetyala anokulimala xa wenza iphutha.
I ngendawo
Xa unembali yebhanki embi unakho ukuhlawulwa emva kwexesha okanye kwiincinci kwi-credit report yakho. Unokuba nemali mboleko oye wahlala uhlala kuyo. Ukuba ulahlekelwe iintlawulo zesevisi okanye ukuba amandla akho avaliwe ngenxa yokuntuleka kwentlawulo, oku kungabonakalisa kwingxelo yakho yekhredithi. Unokuba namatyala aphendulelwe kwiiqokelela zetyala .
Lo msebenzi ongalunganga unokunciphisa umlinganiselo wakho wekhredithi ngokukodwa. Ukuba usondele kakhulu kumda wakho wekrediti kwiikhadi lakho lekredithi okanye ukuba uboleke imali eninzi le nto inokulimaza amanqaku akho okwekhredithi. Oku kuya kunciphisa amanqaku okuthenga ngetyala kwaye kwenza kube nzima ukufumana imilinganiselo emihle yemali okanye mboleko, kuxhomekeke kwimeko yakho.
Ukuba unesigxina okanye u-bankruptcy umlinganiselo wakho wekhredithi uza kuba phantsi kakhulu. La manqaku aya kuhlala kwi-credit report yakho ubuncinane iminyaka engama-7 kwaye iya kuphazamisa amanqaku akho ekhredithi ngexesha lonke. Akuthethi ukuba awukwazi ukuboleka imali, kodwa izinga lakho lesenzalo liya kuba liphezulu kakhulu.
UkuLawula iNgxowa-mali
Emva kokuba unetyala elibi, kuthatha ixesha lokulilungisa. Ukuba ufuna ukuphucula ikhredithi yakho ukuze ufanele ukufumana imali yokubolekwa kwemali okanye enye imboleko yemoto, kufuneka uqaphele ukuba kuya kuthatha ixesha lokwakha amanqaku akho. Into yokuqala okufuneka uyenze ukufumana yangoku kwiintlawulo zakho ezisemva.
Ukuba unemalimboleko ekuqoqweni, ungashiya loo nto ude ufikelele kwaye ubanjwe. Emva koko kufuneka usebenze ukuze unciphise inani olihlawulwayo ukuze ityala lakho lihlawulwe ngetyala. Ekugqibeleni, unokusebenza ekuhlawuleni iitaliti ezikuqokelelwayo. Oku kuya kuzisa ngokukhawuleza umvuzo wakho wesikweletu.