Ingakanani umlinganiselo wakho wekhredithi osetyenziswayo
Xa wenza isicelo sekhredithi , umboleki-mboleko okanye umboleki-mali usebenzisa i-credit score yakho ukuze wenze ngokukhawuleza i-credit / akukho-credit-decision.
Esi sigqibo sinokuthi senziwe ngokujonga nje ingxelo yakho yekhredithi, kodwa umlinganiselo wekredithi wenza ukuba kwenziwe izigqibo lula kwaye ungathobeli phantsi.
Ababolekisi nababolekisi basebenzise amanqaku ekhredithi yakho ukubeka ixabiso lekhadi lakho lesikweletu okanye mboleko. Iinqununu zamatyala aphezulu zikunceda ukuba ufumane umyinge wexabiso elincinci kumakhadi-mboleko kunye neengxowa-mboleko ngelixa izikolo eziphantsi kwamatyala ziza kubangela ixabiso eliphezulu.
Zingaphi izikolo zemali?
Nangona kukho iinguqu ezininzi ezahlukeneyo zamanqaku okuthenga ngetyala, inqaku eliqhelekileyo elisetyenziswayo ngumlinganiselo weFICO (Funda iFICO kunye neFAKO) . Ephuhliswe yi-FICO, eyayisakuba yi-Fair Isaac Company, isikolo seFICO sisetyenzisiweyo ngabaninzi bemboleko kunye nabathengisi ukuba banqume ukuba okanye bangakwandiseli ityala.
Yintoni eya kumanqaku ekhredithi?
Ngenxa yokuba ezinye iinxalenye zembali yakho yokuhlawula imali ibaluleke ngakumbi kunabanye, izicatshulwa ezahlukeneyo zembali yakho yesikweletu zinikezwa ubunzima obuhlukeneyo ngokubala amanqaku akho.
Nangona i-equation ecacileyo yokuza kunye namanqaku akho okuthenga ngetyala (credit score) yinto yolwazi olumnikazi weFICO, siyazi ukuba yintoni ulwazi olusetyenziselwa ukubala amanqaku akho.
Imbali yokuhlawula i-35%
Ababoleki baxhalabele kakhulu malunga nokuba ngaba awuyihlawula iindleko zakho ngexesha. Isalathisi esona sikhulu sendlela oye wahlawula ngayo iindleko zakho kwixesha elidlulileyo.
Ukuhlawulwa kwexesha elifutshane , ukuqokelela kunye nokuphazamiseka kwakho konke okuchaphazela imbali yentlawulo yemaphu yakho yesikweletu. Iziganeko ezigqithisileyo zakutshanje ziye zaphazamisa amanqaku akho ekhredithi ngaphezu kwamaxesha adlulileyo.
Izinga leetyala li-30%
Imali enetyala ngokumalinganisa nemingeni yakho yemali-mboleko iyaziwa njengetyenziswe ngetyala . Iphakamileyo yakho yokusetyenziswa kwekhredithi - ngokusondeleyo kwimida yakho - amanqaku aphantsi akho amanqaku aya kuba. Gcina izilinganisi zekhadi lakho lokuthenga ngetyala nge-30% yomlinganiselo wakho wekhredithi okanye ngaphantsi.
Ubude bomlando wesikweletu 15%
Ukuba nomlando weentengo ezithengiweyo xa ufumana ulwazi oluninzi malunga nemikhuba yakho yokuchitha. Kulungile ukushiya ivule iakhawunti oye waba nayo ixesha elide.
Imibuzo i-10%
Njalo xa wenza isicelo sekhredithi, uphando luyongezwa kwingxelo yakho yekhredithi. Izicelo ezininzi zekhredithi zingathetha ukuba uthatha ityala elininzi okanye ukuba unengxaki ethile yemali. Nangona imibuzo ingahlala kwingxelo yakho yekhredithi kwiminyaka emibini, ukubalwa kwamanani akhokredithi kubhekisa kuphela abo benza ngonyaka.
Umxube wekhredithi ngu-10%
Ukuba neentlobo ezahlukeneyo zeakhawunti ziyakulungeleka kuba ibonisa ukuba unamava okulawula umxube wekhredithi. Oku akuyona nto ebalulekileyo kwinqanaba lakho lekhredithi ngaphandle kokuba ungenalo ulwazi oluthe xaxa ekusekeleni amanqaku akho.
Vula ii-akhawunti ezintsha njengoko uzifunayo, kungekhona nje ukuba ube neyona nto ibonakala ingumxube we-credit.
Indlela yokujonga umvuzo wakho wemali
Unokukhangela amanqaku akho okuthenga ngetyala-kwaye kufuneka - ngeyiphi na iindidi zeenkonzo. Iziza ezimbalwa ezinika izikolo zesikolo zemali-mboleko zamahhala ziquka i-CreditKarma.com, i-CreditSesame.com, i-LendingTree.com kunye ne-Quizzle.com. Kukho ezinye iindawo ezithi zibonelele ngekhredithi yemali yekhredithi, kodwa ukuba nabani na kubo bathetha ukubhaliselwa kwesilingo okanye bacele ulwazi lwekhadi lakho lesikweletu, amathuba okuba uya kuhlawuliswa kwiintsuku ezimbalwa ukuba awuyi kuthatha inyathelo ukumisa ityala.