Konke Okufuneka Ukwazi NgoKwakha Kwezakhiwo
Ikhredithi embi inokukugcina ekuthengeni ikhaya, ukuxhasa ngemali imfundo yakho, kwanokufumana umsebenzi. Yingakho kubaluleke kakhulu ukwakha ityala elifanelekileyo .
Ukuqala ngekhadi lakho lokuqala lokuthenga ngetyala, yonke into oyenzayo ebandakanya i-credit iyinxalenye yembali yakho yesikweletu. Ukuze ube nembali enemali yamatyala, kufuneka usebenzise i-credit ngokufanelekileyo. Kodwa kubaluleke ntoni ngokusebenzisa i-credit ngokufanelekileyo?
Qala Ukwakha Iingxowa-mali Ngokuthenga I-Credit
Ukuba nekhredithi elungileyo kuthetha ukuba uye wabonisa ukuba unako ukuphatha i- credit ngokuyimfanelo - ukuba uye waphatha iimbopheleleko zakho zemali kwaye uhlawule ngexesha.
Isinyathelo sokuqala sokwakha isikweledu kukufumana ityala. Ukufumana ikhredithi ngethuba lokuqala kunokuba nzima kuba iibhanki kunye nabaniki bamakhadi bekhredithi baya kujonga ikhredithi yakho ukuze avumele isicelo sakho. Kukho iindlela onokufumana ngetyala ngethuba lokuqala:
Faka isicelo seKhadi leMali eliKhuselekileyo
Amakhadi okuthenga ngetyala anoluhlobo lwekhadi lesikweletu elifuna ukuba wenze ukhuseleko kwidireji yemboleko ngaphambi kokuba uvumeleke. Ikhuseleko lokubambisa ligcinwe njengento yokubambisa imali ehlawulwayo kwikhadi lekhredithi kwaye ubuyisela imali xa uvala i-akhawunti okanye iphuculwe kwi-akhawunti engakhuselekanga.
Abaniki bamakhadi ngamakhadi banokukuvumela ukuba bafumane ikhadi lekhredithi elikhuselekileyo ngenxa yokuba i-deposit deposit iphelisa ezinye zeengozi zemboleko.
Fumana iiKhadi zokuThengwa kweMpahla yokuThengisa
Amakhadi okuthenga ngetyala athengisa iimfuno zemali ezincinci. Njengomthengi omtsha weentengo zemboleko, uza kuba nethuba elingcono lokuvunywa kwikharityhulam ye-credit card kunezinye iintlobo zamakhadi amakhulu.
Qaphela ukuba amakhadi ekrektri athengisa amanqanaba aphantsi krektri kunye namazinga aphezulu anzala kwaye angasetyenziselwa kuphela kwivenkile ethile yokuthengisa.
Ukuba uhamba kule ndlela, gcina ukhumbule ukuba usebenzisa le khadi ukukunceda ukwakha ikhredithi enhle, ukuba ungahambi kwindawo yokuthenga esitolo sakho ozithandayo.
Buza umntu ukuba akwenze ube ngumsebenzisi ogunyazisiweyo
Ukuba ngumsebenzisi ogunyazisiweyo unokunceda ukuhlawula i-credit yakho xa umniki wekhadi lokuthenga ngetyala (credit card) ebika i-akhawunti kwenye yeyona nkonzo enkulu yemali-mboleko. Qinisekisa ukuba i-akhawunti ibume kakuhle, ayinayo ibhalansi ephezulu, kwaye ayinayo imbali yeentlawulo zexesha elide. Ngaphandle koko, umlando we-akhawunti engalunganga uya kuphazamisa kwaye awuyi kunceda amanqaku akho.
Fumana iCosigner kwiKhadi leMboleko okanye kwiNgxowa-mboleko
Umququzeleli onetyala elifanelekileyo unokufaka isicelo nawe ukuphucula amathuba akho okuvunywa.
Abaphathi babenemfanelo edibeneyo ye-akhawunti. Oko kuthetha ukuba iintlawulo zexesha elide kwi-akhawunti ziya kuphazamisa i-credit card cosigner.
Sebenzisa ii-akhawunti eziqhotyoshelweyo kunye negunyazisiweyo zokugcina i-akhawunti yakho yokuqala. Emva koko, xa unokufumana imvume kwi-akhawunti yakho, akudingeki ukuba uthembele komnye umntu ukukunceda.
Yenza Iintlawulo Zakho Ngexesha
Imbali yokuhlawula iyona nto ibaluleke kakhulu kumanqaku akho ekhredithi . Yenza zonke iintlawulo zakho zetyala ngexesha nganye nyanga ukwakha amanqaku amatyala entle. Iintlawulo ezininzi zexesha-mali unayo, umlinganiselo wakho wekredithi uza kuphucula.
Uya kuba neendleko zenyanga zenyanga ezingabhalwanga kwingxelo yakho yekhredithi. Oku kufaka izinto ezifana neentlawulo zeefowuni, iinkonzo kunye neentlawulo ze-inshurensi. Akunakuchaphazela i-credit yakho xa nje uhlawula ngexesha. Nangona kunjalo, ukuba ungekho phantsi kweentlawulo zakho (ukuya kwinqanaba lakho i-akhawunti yakho ivaliwe), i-akhawunti iya kuthunyelwa kwi- arhente yokuqokelela kwaye iyakwazi ukukhupha ingxelo kwingxelo yemboleko. Ngelo xesha, kuya kuphazamisa amanqaku akho ekhredithi ngokubanzi.
Qalisa ngeKhadi leKhadi elilodwa
Abasebenzisi abaninzi bekhadi lokuthenga ngekhredithi lokuqala baqokelela iqoqo lamakhadi ekredithi kwiminyaka embalwa yokuqala yokusebenzisa ityala. Musa ukwenza impazamo yokuvula amakhadi amaninzi ematyala ngokukhawuleza. Ikhredithi ethe xa unayo, ngokugqithiseleyo uza kugcina usebenzisa kunye kwaye kuya kuba nzima ukuqhubeka kunye nezikali kunye neentlawulo zakho.
Ukusetyenziswa kwamakhadi amatyala amaninzi ngexesha elifutshane likhokelela kwimibandela emininzi kwimali-mboleko yakho. Le mibuzo ingaba yingozi kumanqaku akho. Akunjalo kuphela, amaninzi amakhadi amatyala amatyala angachaphazela kakubi amanqaku akho. Kungcono ukuba ufunde okokuqala ukuba unokuthwala uxanduva malunga nekhredithi ngaphambi kokuba ufake izicelo zamakhadi ezongezelelweyo.
Jonga Uninzi Obolekayo
Njengomthetho, akufanele ubolekise ngaphezu kokuba unako ukuhlawula inyanga nganye. Ukuboleka ngeendlela zakho kubonisa ababolekisi bexesha elizayo kunye nababolekisi bazi ukuba ungumboleki onoxanduva. Uzakufumana lula ukuboleka imali kwaye ufumane entsha ngetyala xa ubonisa ukuba uyazi ukuboleka kuphela into onokuyibuyisela ngayo.
Akunjalo nje kuphela, ukuhlawula kuphela oko unokukwazi ukukunceda kukuphepha ukuhlawulwa kwetyala .
Ukukhupha iikhadi lakho lekredithi-okanye ukuza kusondele-akunakuxanduva, ngakumbi ukuba awuyikucwangcisa ukuhlawula yonke ibhalansi ngaphandle kwenyanga. Ababolekisi bayazi ukuba ababoleki abakhupha amakhadi abo bahlala bebunzima ukubuyiselwa oko baboleke. Ukugcina ibhalansi engezantsi kweepesenti ezingama-30 zomlinganiselo wakho wemali-mboleko kukulungele ukwakhiwa kwetyala-ezantsi zingcono.
Into efanayo iya kuba mboleko. Yenza kuphela imali ebolekayo njengokuba unako ukuhlawula, kungakhathaliseki ukuba uthini umboleki. Ngaphambi kokuba uthenge i-mboleko, hlaziya uhlahlo lwabiwo-mali ukuze ubone ukuba yiyiphi intlawulo yenyanga onokuyenza. Qinisekisa ukuba ukuhlawulwa kwemali mboleko akugqithisi imali oyenayo.
Ukuhlawula ngaphezu kweNcinane kwiiKhadi zeNkcitho
Amanqaku akho ekhredithi ayichaphazelwa yintlawulo yemali yekhadi lakho lokuthenga ngetyala-kungekho ngokuthe ngqo. Amanqaku akho ekhredithi aqwalasela ukuba uhlawula ngexesha kunye nemali ehlawulwayo kwiikhadi lakho lokuthenga ngetyala kunye nemiboleko.
Nangona imali yakho yokuhlawulwa ingabalwa kwinqanaba lakho lesikredenti, kufuneka uhlawule imali yakho ngokugcwele inyanga nganye.
Oku kukuthintela ekuthwaleni amatyala amaninzi. Ukuba uhlawula kuphela oko unokukwazi ukuhlawula, oku akuyi kuba yingxaki. Ukuhlawula ibhalansi yakho inyanga nganye kubonisa ukuba unako ukuhlawula iibhili, into ethile abathengi nabathengi bafuna ukuyibona.
Ukwenza iintlawulo ezincinci aziyi kuba yingozi kumvuzo wakho (ngaphandle kokuba igcina ibhalansi yakho ngaphezulu kweepesenti ezingama-30 zomlinganiselo wesikweletu), kodwa ikugcina unetyala ixesha elide.
Gcina iiAkhawunti zakho zivuliwe
Ukuba sele uneminyaka engaphezulu kweentengo zemali-mboleko, bhetele kungumlinganiselo wakho wekhredithi-iipesenti ezili-15 zekredithi yakho yekhredithi isekelwe kwisixa sematyala ophetheyo. Ukushiya i-akhawunti yakho endala evulekile kuya kunceda ukwandisa iminyaka yakho yemali. Ukuvala i-akhawunti akusayi kususa kwi-akhawunti yakho yemali ngokukhawuleza. Kodwa, emva kweminyaka emininzi, ii-credit bureaus ekugqibeleni ziza kudala i-akhawunti, iincwadi ezivaliweyo ezivela kwingxelo yakho yekhredithi.
Ngaba Unokukwenza Ngaphandle Kwekhadi Lesikweletu?
Khumbula ukuba amanqaku akho ekhredithi axhomekeke kwindlela ojongene kakuhle ngayo nezibophelelo zakho zetyala, ngoko isakhiwo sesikweletu sidinga ukuboleka imali ngenye indlela. Iimakhadi zemboleko zilula ukufumana, ingakumbi ukuba uqala nje, kodwa ezinye iindlela zikhona.
Unokwakha ityala elihle ngokuboleka imali mboleko kwaye uyihlawule ngexesha. Ingaba ngumboleko wemali, imboleko yemoto, mboleko yemali, okanye mboleko mboleko. Ngokuqhelekileyo, yonke imboleko ebolekwe kwi-bhanki enkulu okanye inkontileka yekhredithi iya kukunceda ukuba wakhe amanqaku ekhredithi.
Imali-mboleko ye-Payday kunye neetayitile zetyala azichazwanga kwiziko leentengo zemboleko kwaye akunakunceda ukwakha i-credit. Kufuneka ugweme leentlobo zemboleko nangona kunjalo kuba zibiza kwaye ziyingozi.
Ingaba iza kuthatha ixesha elingakanani?
Akukho ndlela yokuchaza ukuba kuya kuthatha ixesha elingakanani ukuba wakhe umgangatho omhle wekhredithi. Xa uqala ukuqala, kuya kufuneka ukuba i-akhawunti yakho yokuqala ivule kwaye isebenze ubuncinane ubuncinane kweenyanga ezintandathu ngaphambi kokuba umlinganiselo wakho wekhredithi ubalwe. Emva koko, yinto nje yokongeza iinyanga zeentlawulo ezifanelekileyo kwingxelo yakho yekhredithi.
Uyazi Njani Ukuba Unokwenza Umsebenzi Olungileyo?
Nangona ingxelo yakho yekhredithi ibambe yonke ingcaciso ngembali yakho yekhredithi, umlinganiselo wakho wekhredithi yindlela efanelekileyo yokulinganisa inkqubela yakho ekwakheni i-credit yakho. Umlinganiselo wakho wekhredithi isishwankathelo senani leenkcukacha kwingxelo yakho yekhredithi ngomzuzwana othile ngexesha. Yiyo inombolo ababolekisi nabathengi basebenzise ukugqiba ukuba ngaba bayayivuma izicelo zakho kunye nokuba yeyiphi inzala yokuhlawula.
Emva kokuba unayo i-akhawunti yekhredithi esebenzayo ubuncinane kwiinyanga ezintandathu, uya kuba nomlinganiselo wekredithi. Unokukhangela amanqaku akho ekhredithi mahhala kwi-CreditKarma.com okanye kwi-CreditSesame.com. Unokuthenga kwakhona amanqaku akho eFICO kwi-myFICO.com. Umlinganiselo we-FICO ngumlinganiselo wekhredithi oqhelekileyo osetyenziswa ngababoleki.
Unokubeka iliso lakho amanqaku ekhredithi rhoqo ukuze ubone indlela ekutshintshwa ngayo ixesha kunye neentlawulo ezifike ngexesha.
Iziphene ezine ezinkulu zokugwema
Kulula kakhulu ukwakha amanqaku omvuzo wexabiso elihle kunokuba ulungise i-credit yakho emva kokulimala. Njengoko usebenza ukuphucula i-credit yakho, nantsi ezinye izinto omele uziphephe.
Ukuhlawula emva kwexesha
Xa ulwazi olubi, njengeentlawulo ezidlulileyo okanye ukuqokelela kwetyala, ku-ingxelo yakho yekhredithi, iya kuhlala iminyaka eyisixhenxe. Kuya kufuneka usebenze nzima kunokuba unqobe umonakalo owenziwe kwikhredithi yakho. Bhatala zonke iindleko zakho ngexesha ukugcina ii-akhawunti ezingekho phantsi kwengxelo yakho yekhredithi.
Ukuvumela iKhadi lakho leKhadi liye lingasetyenziswanga
Kumele ube ne-akhawunti enye isebenzayo kwiinyanga ezintandathu ezedlulileyo ukuba ube nomlinganiselo wekhredithi. Ukuba ungaphumeleli ukusebenzisa amakhadi akho ekwereta, kungekuphela kuphela kuya kuchaphazela amanqaku akho ekhredithi , umniki-khadi wakho wekhredithi unokurhoxisa i-akhawunti yakho . Sebenzisa ikhadi lakho lekhredithi ubuncinane kanye emva kweenyanga ezimbalwa ukuyigcina evulekile kwaye isebenzayo.
Ukuboleka Okungaphezu Kokuthi Unako Ukukhathazeka
Ukuba netyala elininzi linokulimaza amanqaku akho okwekhredithi, ngokukodwa ukususela kwi-30 ekhulwini kwinqanaba lakho lemali-mboleko li sekelwe kwinqanaba elithwalayo. Enye ingxaki ngokuboleka okungaphezulu kunokuba unakho ukukwazi ukukhokelela kukuba ingakhokelela kwiingxaki ezinzulu ezinjenge-foreclosure, repossession, okanye nakwi-bankruptcy.
Ukungakhangeli iWebital Credit yakho
Indlela efanelekileyo yokuthabatha ubunini bekhredithi yakho ukujonga ingxelo yakho yekredithi kunye nokubhala amanqaku ngamaxesha. Ukukhangela amanqaku ekhredithi kukunceda ukwazi apho umi khona, kodwa akunikezi umfanekiso opheleleyo. Kufuneka ujonge kwakhona ingxelo yengxelo yemboleko ukuqinisekisa ukuba ulwazi oluchanekileyo - naziphi na iimpazamo ezinokuchaphazela amanqaku akho. Ukuba ufumanisa iimpazamo kwingxelo yakho yebhanki, unokuphikisana nabo kunye ne-credit bureau ukuba bawususe.