Nanini na ukuba ishishini lihlole ingxelo yesikweletu sakho, uphando lubekwe kwingxelo yakho ephawula inyanga nonyaka ingxelo yakho yekhredithi ihlolwe. Iingxowa-mboleko zemali-mboleko azigcini umbuzo wemibandela njengento efanelekileyo kuwe okanye amashishini angabuka ingxelo yakho yengxelo kwikamva. Enyanisweni, uMthetho weNkcazo yeNgxelo yeTyala ifuna i-credit bureaus ukuba igcine irekhodi lamashishini athengisa ingxelo yakho yekhredithi.
Xa ukhangele ingxelo yakho yekhredithi , uza kubona uluhlu lwale mibuzo malunga nokuphela kwengxelo yakho yekhredithi.
Nangona yonke imibuzo ibonakala eluhlu kunye, kukho iintlobo ezimbini zeengxelo zeengxelo zemboleko: imibuzo enzima kunye nemibuzo elula.
Uluphi uphando olunzulu?
Unokumangaliswa ukubona iimbuzo ezivela kumashishini ongazange ufake isicelo sokuthenga ngetyala. Abanye banokuba nokuba ngamashishini ongazange awuve. Musa ukunyusa; Le mibuzo ilula kwaye ayilona ingxaki njengoko ungacinga.
Uphando oluthambileyo, ngamanye amaxesha lubizwa ngokuba yi-pull pull, lwenziwa kwingxelo yakho yekhredithi nanini na uhlolisisa ingxelo yakho yekhredithi, ishishini lihlolisisa ingxelo yengxelo yemboleko ngeenjongo zokuphromotha, okanye ishishini unayo i-akhawunti ngokuhlola iirekhodi yakho yekredithi. Ngokomzekelo, inkampani yekhadi lekhredithi ingacela ingxelo yakho yekhredithi ukuba inqume ukuba ikuthumelele isipho sekhadi lesikweletu esandulele. Ngaphandle kwezicelo zakho zeengxelo zakho zemali-mboleko, imibuzo epholileyo iyenziwa ngaphandle kwemvume yakho. Ngethamsanqa, le mibuzo engathandekiyo ayichaphazeli amanqaku akho ekhredithi kungakhathaliseki ukuba mangaphi kuwo.
Kwimibuzo enzima , ngakwesinye icala, zibekwe kwingxelo yakho yekhredithi xa kukho ishishini elitshekisha ingxelo yengxelo yakho yekredithi ukuvuma isicelo sakho kwikharityhulam yesikweletu, umbolekiso okanye enye inkonzo enikezelwe ngetyala. Imibuzo enzima yokubala i-10% yemanqaku akho ekhredithi. Ngoxa beza kuhlala kwi-credit report yakho kwiminyaka emibili, imibuzo enzima ichaphazela umlinganiselo wakho wekhredithi ngonyaka.
Ngamanye amaxesha, ishishini liza kujonga ingxelo yengxelo yemboleko ngezinye izizathu ngaphandle kokunikezela ngetyala. Ngokomzekelo, iinkampani zemizi yokuqeshisa ngezinye iinkcukacha zikhangele iikhredithi ukuba awusebenzisi ikhadi elikweleta. Ukuba unemibuzo malunga nokuba ngaba uphando luya kuba lukhuni okanye lube lula, ungacela inkampani ethatha ingxelo yakho yekhredithi. Uzakufuna ukunciphisa imibuzo enzima xa uzama ukugcina amanqaku amatyala athile kwaye ngokukodwa xa uceba ukufaka isicelo semboleko enkulu ngokukhawuleza.
Iingxelo eziPhezulu zithinta njani wena
Usuyazi ukuba imibuzo engathandekiyo ayifakiwe kwimilinganiselo yakho yekhredithi. Oko kuthetha ukuba akufanele ukhathazeke malunga nale mibuzo ebiza ixabiso lamanani amanqaku axabisekileyo. Xa abathengi abanokubheka ingxelo yengxelo yakho yekhredithi, abayi kubona imibuzo ethe tye. Kunoko, baya kubona kuphela imibuzo enzima eyenziwe xa uqalise isicelo sekhredithi okanye iinkonzo ezisekelwe kwintengo. Iindaba ezilungileyo kukuba bonke abo bangabonakaliyo bathabathela kumanqaku akho ekhredithi abayi kubala ngokuchasene nani xa lixesha lokuba ufake isicelo sesikweletu.
Nangona kunjalo, ukuba unokukhupha ikopi yengxelo yakho yekhredithi kwaye uyinikezele ukuba ishishini lihlolisise, imibuzo ethe tye iya kubonakala kuba inguqu yakho yengxelo yengxelo yekhredithi.