Usenokuba ulizwile okanye ulifunde igama elithi "creditworthiness" xa uphando ngamakhadi-mboleko okanye mboleko. Ukuthenga ngemboleko kudlala indima enkulu ekufuneka izicelo zakho zivunywe. Igama livakala kakhulu elichazayo-ababolekisi bachaza indlela ofanelekileyo ngayo ukuba unetyala. Ngokukodwa, ityala lokuthenga ngetyala lusetyenziselwa ukuchaza amathuba okuba uya kuvela kwiimbopheleleko zemboleko.
Ababolekisi nabathengi bazimisela njani ukuboleka imali?
Ubukwereti bakho busekelwe kwindlela oye wabamba ngayo iitaliti kunye nezibophelelo zetyala ukuza kweli nqanaba.
Ababolekisi banokuxelela indlela oye waphatha ngayo iimbopheleleko zakho zesikweletu zangaphambili ngokujonga ingxelo yakho yekhredithi , eyona irekhodi yomsebenzi kwiakhawunti yakho yekhredithi. Iingxelo zeNgxowa-mali zingabininzi, ngamanye amaxesha namakhulu, amaphepha amade kunye nexesha elidlulileyo lokuba umntu ahlaziye. Kunokuba ubuyekeze ingxelo yakho yokuthenga ngetyala ukwenzela ukuba uqaphele ukuthenga ngetyala lakho, ababolekisi nababolekisi basebenzise amanqaku ekhredithi , enomlinganiselo wenjongo wokuthenga ngetyala lakho ngokusekelwe kwingxelo yengxelo yekhredithi.
Inani lekhredithi liyinani leenombolo ezintathu, ngokuqhelekileyo liphakathi kwama-300 no-850. Ukuphakanyiswa kwamanani akhokredithi, ngaphezulu "ukuboleka". Oko kuthetha ukuba unakho ukuhlawula iimbopheleleko zakho zetyala ngexesha. Ukuthenga imali ethe xaxa, ababolekisi bemali kunye nababolekisi bazimisele ukuvuma izicelo zakho kwaye banike inzala engaphantsi .
Ngaphi na ukuhlawula iindleko zakho ngexesha yinto ebalulekileyo ekuchaphazela ukuthenga ngetyala lakho.
Ukuhlawulwa kwexesha elifutshane kunye nezinye izikhohlakeleko kunokukwenza ukuba ungabi nesikweletu esincinci kwaye, ngenxa yoko, kwenza kube nzima ukufumana amaphepha amakhadi amatyala kunye nemboleko.
Ubukwereti bakho buchaphazelekayo ngemali yetyala. Ukuba nesilinganiso semali yekhredithi ephezulu, umzekelo, kunokukwenza kube nzima ukuba izicelo zakho zivunywe.
Umkhwa omuhle kakhulu wokuthenga ngetyala lakho kukugcina izilinganisi zekhadi lakho lesikweletu phantsi kweepesenti ezingama-30 zomyinge wekredithi kwaye uhlawule umlinganiselo wemali mboleko yakho. Ncitshitshisa izicelo zakho ezintsha zemali-mboleko, kuphela ufake izicelo ezintsha izinto ozifunayo.
Ukuboleka Kwimali Phakathi Kwabaninzi Ababolekisi nababoleki
Okubalulekayo njenge-creditworthy kungahluka kuye kuxhomekeke kuhlobo lwe-akhawunti oyifunayo. Ngokuqhelekileyo, inkulu ityala othabatha ngaphezu kwe-creditworthy kufuneka uyiyo. Ngokomzekelo, ababolekisi bemali mboleko banemilinganiselo ephakamileyo yokuthenga ngemboleko kunokuba abanikezeli bekhadi lesikweletu.
Unokuvunyelwa kwamakhadi athile eemboleko ngamanqaku angaphantsi. Ngakolunye uhlangothi, unokuba nobunzima ukuvunyelwa ukuthenga ngemali okanye ukubolekisa ngemali ngemali ephantsi.
Indlela onokuphucula ngayo ukuTyala kwakho
Ukugcina umgca wekredithi yakho yekhredithi kuyona ndlela efanelekileyo yokuhlala ephakamileyo yobukwereti bakho. Unokukhangela amanqaku akho ekhredithi ngokukhululeka ngokusayina kwi-Credit Karma, iSesh Sesame, okanye iWeblet Hub. Ezi nkonzo zikunika ukufikelela kumanqaku akho okwekhredithi kwakunye neengcebiso ekuphuculeni umlinganiselo wakho wekhredithi kunye nekhredithi yakho.
Ukuba unenkathazo yokufumana i-akhawunti entsha, unokuphucula ukuthenga ngetyala lakho.
Okubalulekileyo, kufuneka unikele ubungqina kubaboleki kunye nababolekisi ukuba awunobungozi bokungagqibekanga kwiimboleko ezintsha zeentengo zemboleko.
Qala ngokunyamekela ngeengxelo ezidlulileyo ngenxa yeakhawunti kunye nokuqokelela kwetyala . Ukuba unokuxoxisana nomvuzo wokususa, umbolekisi uya kususa i-akhawunti ngokutshintshela intlawulo. Ngaphandle kokuhlawula ukucima, ukuhlawula i-akhawunti kuya kunceda ukuthenga ngetyala lakho.
Yakha imbali efanelekileyo yokuhlawula ngokuhlawula iintlawulo ezifike ngexesha lakho kwiakhawunti yakho. Ukuba awunayo i-akhawunti esebenzayo, evulekile, cinga ukuvula ikhadi lekhredithi elikhuselekile ukufaka i-akhawunti entsha kwingxelo yakho yekhredithi. Njengoko wenza iifizi ngexesha elifanelekileyo kwikhadi lakho lesikweletu, uya kuphucula ukuthenga ngetyala lakho kunye nokukwazi kwakho ukuvunyelwa kwamanye amakhadi-mboleko kunye nemboleko.
Yiba nekulungele ukwenza intlawulo enkulu kwiimali-mboleko . Unokwazi ukufumana imvume yokubolekwa kwemali okanye yemali yemali mboleko ngaphandle kokubakhokhwa kwemali xa uthe wenza inkokhelo enkulu.
Inkokhelo enkulu yokuhlawula iyanciphisa inani lomngcipheko obolekayo.
Fumana i-cosigner . Ukuba ne-cosigner kunokukwazi ukuphucula iziphumo zakho zokufumana imvume. Okokuba umququzeleli wakho ufanelekile. Xa umntu ebhalela nawe , bavuma ukuba bajongene neentlawulo kwikhadi lakho lekhredithi okanye mboleko xa ungeke ukwazi ukwenza ezo ntlawulo ngokwakho. Qaphela ukuba umntu ubhalela ukuba-ukuwela emva kweentlawulo zakho kuya kuthintela i-credit yakho kunye neyabo.
Ukuhlala phezu kwe-creditworthiness kubalulekile nangona ungenayo ikhadi lekhredithi okanye isicelo sesikweletu esilungiselelwe ixesha elizayo. Amanye amashishini afana neefowuni zesevisi kunye neenkonzo zekhebula zinikela, qwalasela ukuthengwa kweekhredithi. Ukugcina i-credit yakho ngendlela engcono kakhulu ngamaxesha onke kuthetha ukuba awunakuze uxhalabe xa ishishini lifuna ukukhangela i-credit yakho.