Ukuba uthengisa imoto eyi-100 ekhulwini ngemali, umlinganiselo wakho wekhredithi awunakuze ufike encoko. Nangona kunjalo, ukuba unjengamaMerika amaninzi, mhlawumbi unganakho ukuthenga ukuthenga okuninzi ngemali-kwaye yilapho iqela lakho lekhredithi lidlala khona.
Ukuba unenkxalabo yokuba amanqaku akho okwekhredithi aphantsi kakhulu ukwenzela ukuba ukwazi ukuthenga imoto ngokuxhaswa ngemali, ndifumana iindaba ezilungileyo kunye nezinye iindaba ezimbi. Iindaba ezilungileyo kukuba unako ukuphefumula kancinci ngakumbi kuba uqiniseke, ngokuqinisekileyo uya kufumana umntu ozimisele ukuthenga imali yokuthenga imoto yakho. Iindaba ezimbi kukuba ukuba unomvuzo ombi wekhredithi , kuya kuba neendleko ezininzi ukuthenga imali leyo kuthengwa kunokuba ubungenayo imbali yekhredithi engenabala.
Umlinganiselo wakho wekhredithi ngokusemgangathweni ngumlinganiselo kubabolekisi bendlela ekukhuselekile ngayo umngcipheko kukuboleka imali. Ukuba unomyinge ogqityiweyo wesikweletu, umboleki-mali uya kuqinisekiswa ukuba akayi kukukugxotha kwaye aphinde abuyele imoto ngokusilela kwiintlawulo zakho . Ngaloo ndlela, baya kukwamkela inqanaba elincinci lenzalo elinikezelwa ngumngcipheko ophantsi. Kodwa ukuba amanqaku akho ekhredithi aphantsi, amathuba okunyuka ukuba uya kuba ngumngcipheko wendiza, kwaye ngoko, inzala yakho inomdla iya kukwanda-eyenza imoto yakho ithenge ngokugqithiseleyo ngexesha elide.
Ngoko ke indlela embi ngayo-kwaye yinto enhle ngayo?
Masiqale ngokulungileyo. Ukuba umlinganiselo wakho wekhredithi ungaphezu kwama-700, unokulindeleka ukuba ufumane i-rate ye-5 yepesenti. Njengoko amanqaku akho ekhredithi ahla, amazinga akho aya kunyuka-kwaye emva kokuba uhlasele ama-500 okanye wezantsi, inzala yakho iya kuba malunga neepesenti ezili-15 okanye ngaphezulu; yikes!
Ndingayifumana njani i-My Credit Score?
Phinda emva kwam: akakaze, uhlawule ukuze ubone i-credit score! Amanqaku akho ekhredithi njengoko abikwe yi-arhente enkulu yokubhengisa ngetyala itholakala ngokulula: vele uthayiphe " umlinganiselo wesikratshi samahhala " kwi-injini yakho yokusesha. Amaqela amaninzi ekhadi lamakhredithi abonisa namalungu abo amanqaku akhredithi njenge "perk" yokuba ilungu elithwele amakhadi.
Yintoni endiyenzayo ukuba ndiyenze ukuba ngaba I-Akhawunti yam yeMboleko iphantsi?
Kuxhomekeke kwizinto ozikhethayo. Ukuba ngaba kufuneka ube nemoto entsha ngoku (ingabe kunjalo na kunjalo?), Ngoko uya kulungelelanisa inzala ephezulu. Nangona kunjalo, ukuba unayo inketho, ingqiqo kakhulu ukuthabatha izithuthi zikawonkewonke, i-carpool, ukuhamba, ibhayisikili, okanye ukuboleka imoto kumhlobo kunokuba uthenge isithuthi esitsha ngaphandle kwe-stellar credit. Ngokuqhelekileyo, iingxelo zekhredithi zamahhala ziza kukubonisa uluhlu lwezizathu ezimbalwa ezenza ukuba umgangatho wakho ungendlela. Ukuba umlinganiselo wakho wekhredithi uphantsi ngenxa yokuba uneemali eziphezulu kwiikhadi lakho lekredithi, sebenzisa iinyanga ezimbalwa ukuhlawula umgca ngaphambi kokuba ucinge ukuba uye kwiqashiso lemoto ukujonga kwizithuthi. Ukuba umlinganiselo wakho wekhredithi uphantsi ngenxa yezizathu ezinzima ukulungisa ngexesha elifutshane, ngoko kufuneka uqikelele ukuthetha nomcwangcisi wezemali oqinisekisiweyo (omnye onomsebenzi wokuqinisekisa ukuba ufuna ukubeka iimfuno zakho phambi kweenzuzo) kwaye uxoxe ngezigqibo zakho.
Ukuba ngaba kufuneka ube nemoto kwaye ukhangele ukugcina imali, mhlawumbi ucinga ukuthenga isithuthi esisetyenzisiweyo endaweni yesitsha esitsha. Ngaphandle kwento ecacileyo yokuba ixabiso lentengiso liya kuba linciphile, ukuba intlawulo yakho yenyanga yenyanga ihlawule, oku kuya kukuvumela ukuba igumbi lokuguqula imali lijolise ekulungiseni umlinganiselo wakho weekhredithi ezihluphekileyo. Kodwa kufuneka uqaphele ukuba amazinga omdla ahlala ephakamileyo kwimoto esetyenziswayo kunokuba imoto entsha. Umncinci wamanqaku akho ekhredithi, i-differentiation iya kuba phakathi kweetyenzisiweyo kunye nesantya esitsha. Nangona ngokuqinisekileyo kuya kuba yinto engcono yokuthenga imoto esetshenzisiweyo, kuyafaneleka ukuba uqokelele amanani ukuba unomlinganiselo wekredithi ophantsi.
Indlela Ongayenza ngayo iNkqubo ilula-Ngaphandle kwinqanaba eliphantsi
Kukho umahluko phakathi kokuba namanqaku aphantsi ngenxa yokuba ungenayo imbali enkulu yematyala kwaye unamaphuzu aphantsi ngenxa yokuba uye wangena kwi-bankruptcy okanye ungagqibekanga kwikhadi lekhredithi.
Ukuba unamanqaku angaphantsi kwama-700, umsebenzi wakho kukubhala, uxwebhu, uxwebhu. Uyakufuna ngokukodwa ukwenza iimeko ozenzayo ngexesha-kwaye xa wenza oku ngempumelelo, unokubona ukuba amaxabiso akho awela phantsi kwalabo abanomlinganiselo wokuthenga ngetyala.
Yilungiselele ukubuyisela amabango akho ngobungqina: faka izitatimende zekhadi lesikweletu, iirisithi zokuhlawula irente, kunye nantoni na enye ebonisa ukuba uhlawula ngexesha kwaye ngokugcwele. Ukuba unomsebenzi ozinzile kwaye unako ukubeka ubuncinane ubuncinane i-25 yepesenti yemoto ibe yintlawulo ephantsi , oku kunokukunceda ukhusele izinga eliphantsi.
Ukuba umlinganiselo wakho wekhredithi ungaphantsi kwama-500, ezi zinto zingasayi kusebenza kakuhle kuwe, nangona oko akuthethi ukuba akufanele uzame, kwaye kufuneka ulungele umyinge ophezulu.
Ukuba konke okuhlulekayo, kunokufanelekile ukucela isihlobo okanye umhlobo osondeleyo kunye ne-stellar credit ukuze ubhalisele imali mboleko yakho . Ukuba ukwenza oku, unokukwazi ukufumana inzala engcono kakhulu. Kodwa qaphela, nokuba kunjalo, ukuba ukungaphumeleli kwinqanaba lakho ukwenza iintlawulo kuthetha ukuba baya kuba kwisikhwama sezimali semali epheleleyo yemboleko.
Yintoni endiyenzayo emva kokuba ndibhalise iMboleko yam kunye neNqanaba eliPhakamileyo?
Into ebaluleke kakhulu ongayenza yenze iintlawulo zexesha elizayo kwiinyanga ezizayo ezi-6 ukuya kwezi-12. Kufuneka ugxilise ekulungiseni umlinganiselo wakho wekhredithi. Musa ukuvula amakhadi amatyala ekwi okanye ufake izicelo zezinye iimboleko: ezi zinto ziya kuba ziflegi ezibomvu kwingxelo yakho yekhredithi. Emva kweenyanga ezili-6 ukuya kwezi-12 zigqityiwe, kufuneka ukhangele indlela ongakhetha ngayo yokuhlaziya imboleko yakho yemoto .