Enye yeyona nkxalabo enkulu abantu abanayo malunga nokufakela i-bankruptcy yimpembelelo kwizikolo zabo zemali. Ngaba amanqaku akho ekhredithi aya kukhishwa ngonaphakade? Kuza kuhamba ngaphantsi kangakanani?
I-Credit iye yaba yinto eqhelekileyo ebomini bethu ukuba ukuhlala ngaphandle kwekhredithi enhle kungabangela ukuphazamiseka okukhulu. Abantu bayesaba kakhulu ukulahlekelwa ngetyala labo - inkokhelo yabo engaphezulu-yokuba bayalwa ngetyala ngeenyanga okanye kwiminyaka kwaye bagqiba ukufaka i-bankruptcy.
Ngelishwa, akukho zindaba ezilungileyo malunga namanqaku akho ekhredithi xa kuziwa ku-bankruptcy.
Ukuphazamiseka kwempembelelo kwimpumelelo yekhredithi
Kunzima - okanye kungcono kodwa, akunakwenzeka - ukuchaza kwangaphambili ukuba umlinganiselo wakho wekredithi uza kuba njani emva kokufakela ifayile. Impembelelo kumanqaku akho ekhredithi ngokubanzi isekelwe apho i-credit yakho ihlala khona ngoku kwaye yintoni ulwazi olukwimeko yengxelo yakho yekhredithi.
Ngo-2010, i-FICO ikhuphele ulwazi malunga nendlela ukuchithwa kwebhanki kunye nezinye iimpazamo zemboleko zithintela ngayo amanqaku akho . Ukusebenzisa imeko ehlekisayo kunye neeprofayili ezimbini zeentengo zemboleko, i-FICO ibonise ukuba i-bankruptcy inokubhatala amanqaku angama-240 kumntu onamaqaku angama-780 kunye namanqaku angama-150 kumntu onama-680 amanqaku okuthenga ngetyala. Nangona umntu onomyinge ophezulu wekhredithi elahlekelwa amanqaku amaninzi, kwimibini yomibini yesikhwama somntu ngamnye weekhredithi iphetha malunga nendawo enye, i-540 ne-530. Ukuba iingxaki zekhredithi sele zithathile amanqaku akho kwi-500-range, unomncinane kwinqanaba lekhredithi ukukhusela.
Kodwa, lo ngumzekelo wento enokwenzeka ntoni kumanqaku akho ekhredithi. Iakho azinakho ukuyeka amaninzi okanye angase alahle ngaphezulu. Ngeke ukwazi ngaphandle kokuba uyifayile.
Ngaba zonke iiNgcaciso zifanayo?
Umzekelo we-FICO awuhluli phakathi kweSahluko 7 kunye neSahluko 13 se-bankruptcy , ezi zimbini iintlobo ze-bankruptcy ezifumanekayo kwiimali zamatyala.
Isahluko 7 sokutshatyalaliswa siya kuphepheka kakhulu, ukukhutshwa kwenzeke emva kweenyanga ezimbalwa emva kokuba ufayile (ukuba ufanelekile). Kuthatha iminyaka ukugqiba ukuchithwa kweSahluko 13 ukususela ekubeni uza kuba kwisicwangciso sokubuyiselwa kweminyaka emithathu ukuya emihlanu.
Eminye indlela yokuPhulalisa
Ngelixa unokuba uncike kwi-bankruptcy esekelwe kwimpembelelo enokubaluleka kwinqanaba lakho lekhredithi, gcinani engqondweni ukuba inokuba yinto engcono kakhulu kuyo yonke into oyikhethayo. Ukuhlawulwa kwematyala kunye nokukhethwa kwezibonelelo ziquka:
- Ukuhlawula ngokwakho
- Ukufaka isicwangciso solawulo lwetyala nge- arhente yokucebisa ngekhredithi
- Ukuhlanganiswa
- Ukumisa
- Ukutsalwa kwebhanki
Kule ndawo, ukufakela i-bankruptcy kunokubangela ukuba ubuhlungu bakho bube buhlungu kumlinganiselo wakho wekredithi, kodwa kusenokuba yinto ekhethekileyo xa ukhe unganqongophiso lwemithombo yokuhlawula ityala lakho. Iintlobo zokuqala ezintathu zingasichaphazeli amanqaku akho ekhredithi kuwo onke, kodwa ezi zikhethiweyo azifumaneki ngokuxhomekeke kwimali engenayo, iindleko kunye nesimo se-akhawunti yakho.
Ukubuyiselwa Kwintlawulo Yakho Emva kokuqhawula
Ukuba unquma ukufakela i-bankruptcy, yazi ukuba i-credit yakho ayilahlekanga ngonaphakade. Xa usuphelile kwi-bankruptcy kwaye iimali zakho zibuyela kumzila, ungagxininisa ekwakheni kwakhona amanqaku akho ekhredithi . Oku kuquka ukukwakha imbali yentlawulo efanelekileyo kunye nabathengi abatsha okanye nayiphi na i-akhawunti eyasinda kwi-bankruptcy.
Usenokumangaliswa ukubona ukuba kungekudala emva kokubhankqalaza uqala ukufumana iikhredithi zekhadi.
I-Bankruptcy ihlala kwingxelo yakho yebhanki kwiminyaka eyi-10, kodwa ichaphazela i-credit yakho ngaphantsi kwexesha elidlulileyo kwaye njengoko ungeze ulwazi oluchanekileyo kwingxelo yakho yekhredithi. Kunokwenzeka ukuba ufike kwizinga eliphezulu lekhredithi emva kokungcwatshwa, kodwa kufuneka uqalise inkqubo yokuqala. Ukuba, ngokuqinisekileyo, oko kuyona ndlela efanelekileyo.