Iyintoni Intlawulo kwaye isetyenziswe njani?
Yintoni eTyala?
I-Credit ibhekisela ekubolekeni: ukukwazi ukuboleka kunye nemali oyibolekayo. Xa kuziwa kwimali-mboleko (njengamakhadi- mboleko , iimali-mboleko zemali, kunye nemali-mboleko yasekhaya), ikhredithi yakho idumela lakho njengomboleki.
Ixelela ababolekisi ukuba mhlawumbi uza kubuyiselwa njani imali mboleko yakho, enceda ukuba banqume ukuba okanye bayayivuma isicelo sakho semboleko kunye nokuba uhlawule kangakanani.
Ikhredithi yakho yenziwe ngolwazi malunga nembali yakho yokuboleka . Uninzi lwolwazi luvela kwiingxelo zakho zemali.
Ingxelo Yetyala?
Iingxelo zeNgxowa-mali ziqokelela ulwazi, kuquka:
- Imali oyisebenzisileyo kwixesha elidlulileyo, nangona uhlawule (ngokuqhelekileyo iminyaka eyisixhenxe edlulileyo, nangona kukho ukungabikho)
- Imali oyisebenzisayo njengamanje (kubandakanywa nayiphi na imigca engasetyenzisiweyo yekhredithi )
- Ingakanani oboleke ngayo
- Iimali ezifunekayo zenyanga zenyanga
- Imbali yakho yentlawulo-ngaba wenze iintlawulo zexesha elifutshane, okanye ngaba usoloko usebenzisa ixesha?
- Iirekhodi zikawonkewonke ezifana nokuchithwa kunye nokuchithwa
- Nawaphi na iimali-mboleko ozikhethile kwaye ziqokelelwe
Ingxelo yakho yekhredithi ngumxholo oyintloko olandelayo emva kwekhredithi yakho. Ngokusekelwe kulolu lwazi, ababolekisi banquma ukuba okanye banganikeli imali mboleko.
Nangona kunjalo, abaninzi ababolekisi ababukeli ngxelo yengxelo yakho yekhredithi. Kunoko, inkqubo yecomputer ihamba ngolwazi kwaye idala amanqaku ekhredithi (jonga ngezantsi). Amanqaku aphezulu uthetha ukuba unokufumana imvume yokubolekisa ngemali ekhangayo.
Xa umntu efuna ukubona ingxelo yakho yekhredithi okanye ukufumana amanqaku akho ekhredithi, bayayicela kwi-credit bureau (eyaziwayo njenge-arhente yokubika ngetyala).
Ngaphantsi komthetho wesigqeba, uvumelekile ukuba ujonge iingxelo zakho zekhredithi mahhala ubuncinane kanye ngonyaka. Bona indlela yokucela iingxelo zakho .
Ziziphi Iingxowa-mali zeeRhafu?
I-arhente zokubika ngetyala ziqokelela zonke iinkcukacha ezivela kwingxelo yakho yekhredithi. Zineenkcukacha zokugcina iimpahla, kodwa abanako ukugcina idatha eninzi njengoko ucinga. Ngokomzekelo, ingeniso yakho yonyaka ayinxalenye yeengxelo zakho zeentengo zekhredithi .
Kwakhona, bafumana loo nkcazelo kubani-mboleko osebenze nabo, iirekhodi zoluntu , kunye neminye imithombo. Bahambisa okanye bathengise olo lwazi xa ufaka isicelo sembolekiso, okanye xa umntu ecela ingxelo yengxelo yemboleko (njengomqeshi okanye umninikhaya-ofuna imvume yakho ngaphambi kokuba kukhutshwe ingxelo).
Kukho iindidi ezininzi zeentengo zemboleko, kodwa "ezinkulu ezintathu" zinempembelelo enkulu kwizinto ezidla ngokuba zibizwa ngokuthi "ngetyala." Kubalulekile ukuba ulwazi kwiziko lekredithi ngalinye lichanile-ukuba kukho iiphoso kwiingxelo zekhredithi zakho, kufuneka zilungiswe okanye uya kulahlwa ngemali-mboleko (kwaye ingabangela iingxaki kwezinye iindawo ezifana nezicelo zomsebenzi okanye i- inshurensi yemoto xabiso ).
Ukufumana iinkcukacha ezingaphezulu, jonga ukuba iWebroadAus Work Credit .
Yiyiphi iNqaku lokuTyala?
Iingxowa-mboleko zemboleko zinetoni yolwazi.
Kukho amakhulu okanye amawaka emigca yolwazi malunga nawe kwiinkcukacha zabo, kwaye kunzima kubabolekisi ukuhlela yonke into. Azikho iiyure ezaneleyo ngosuku lomsebenzi kwibhankini, umanyano wemboleko, okanye umboleki we-intanethi ukufunda yonke iingxelo zeentengo zemboleko zetyala.
Ngenxa yoko, abaninzi ababolekayo basebenzisa amanqaku ekhredithi endaweni yokufunda iingxelo zemboleko.
Amanqaku okuthenga ngetyala ngamanani aveliswa yinkqubo yekhompyutha efunda ngeengxelo zakho zemali. Ikhangele iipatheni, iimpawu kunye neeflegi ezibomvu kwimbali yakho. Ngokusekelwe kwinto eyenziwa yinkqubo, ikhupha amanqaku emboleko. Izikolo zilula kubabolekisi ukutolika-banokubeka imithetho ngokusekelwe kumgangatho wamanqaku akho. Ngokomzekelo, amanqaku emboleko angaphezulu kwe-720 angayifumana ngokuzenzekelayo, iimali-mboleko phakathi kwe-650 no-720 zifumana inzala ephezulu , kwaye ezinye iimboleko azivunyelwanga.
Nangona umthetho we-federal unikeza iingxelo zekhredithi zamahhala, aziboneleli ngeenqaku zesikolo-mali . Nangona kunjalo, unokuthenga amanqaku ekhredithi kwi-credit bureaus, kwaye kukho iindlela ezininzi zokubona amanqaku akho mahhala . Qaphela ukuba kukho amanqaku amaninzi ekhredithi apho-fundela indlela asebenza ngayo kwaye yiyiphi ebaluleke kakhulu.
Yintoni Eyasetyenziswa Ngetyala?
Ikhredithi yayisetyenziselwa okokuqala kwizigqibo zokuboleka imali, kodwa amanqaku esikweletu kunye neengxelo ziboniswa kwezinye iindawo zobomi bakho. Abathengi nabagwebi bahlala bebukele ukuba yiyiphi inkokhelo esetyenziselwa yona, kunye neengxoxo malunga nokulungelelaniswa kweengxelo zemboleko kunye nokusetyenziswa okwandisiweyo kwala manqaku.
Imali ebolekayo: oku kusetshenziswe ngokuqhelekileyo kwezikolo zemali-mboleko. Abanini-mboleko banokufuna ukwazi ukuba ngaba unokuhlawula imali yakho ngexesha. Ekubeni bengazi wena uqobo, bazama ukwenza ukuqikelela ngokusekelwe kwiimali zakho zangaphambili zemboleko. Umboleko owenziwe ngaphandle kokutshekishwa kwekhredithi ngokuqhelekileyo uyabiza .
Inkonzo yomshuwalense: abatshutshisi bahlole i-credit yakho ukuze banqume ukuba okanye bangakugubungeleli, kwaye nawaphi amazinga. Basebenzisa amanqaku e-inshorensi ahluke kancinci kumanqaku afanelekileyo okubolekisa.
Ingqesho: abanye abaqeshi bajonga i-credit yakho, nangona ufuna ukuwanika imvume yokwenza njalo. Ngokuqinisekileyo, bazama ukwenza isigwebo malunga nendlela ojongene nayo uxhomekeke kwimbali yakho yemali. Kweminye imisebenzi, ikhonkco inengqiqo (bafuna ukuphepha iimeko apho unokuhendwa ngetyala) ngelixa eminye imisebenzi ikhonkco ayicacile.
Izixhobo: ukufumana iinkonzo ezifana nombane okanye amanzi, ungadinga ukufumana i-credit check. Ukuba oko akunakwenzeka (ngenxa yokuba ungakakha i-credit yakho) okanye unetyala elibi, ababoneleli benkonzo bahlala befuna idiphozi enkulu yokhuseleko.
Ukuqasha: ezifana neenkampani zesebenzayo, umnini-mhlaba olandelayo unokucela ukutsala ikhredithi yakho. Ngokuxhomekeke kwimarike yokuqashisa, i-credit yakho inokukunqanda ukuba uqeshe okanye uqhube kwi-deposit ephezulu.
Kukho ukudideka okuninzi malunga nolwazi olunxulumene nekhredithi. Ulwazi olubaluleke kakhulu olusetyenziswe kwisigqibo sekhredithi ngolwazi oluvela kwiirekhodi zakho zemali kunye neenkcukacha ozibandakanya kwisicelo. Umzekelo, ingeniso yakho ayifakiwe kwingxelo yakho yekhredithi okanye amanqaku, kodwa ababoleki kufuneka bazi ukuba ngaba unako ukuhlawula (okanye ukubala ityala kwinani lemali engenayo , umzekelo) -kuba bacela malunga ne ngeniso kwisicelo.
Funda kabanzi malunga nezinto ezenzayo kwaye azichaphazeli i-credit yakho .
Ngaba Uncedo Ngetyala NgabaThengi?
I-Credit ingakunceda okanye iyingozi kwabathengi. Ukubona iinkonzo kunye neengxaki, buyela emuva kwenkcazo ebanzi yekhredithi: ukukwazi ukuboleka.
Ukuboleka kwenza kube lula ukuthenga izinto ezibiza. Ukuba ufuna ukuthenga indlu, unokufuna ukubeka eceleni amawaka eedola kwi-akhawunti yokulondoloza, kwaye akunakwenzeka kubantu abaninzi. Imboleko yemboleko yemali yenza ukuba kube lula ukuba nekhaya, ukulawula indawo yokuhlala, nokwakha ubulungisa ekhaya (ukuba unenhlanhla, ixabiso lekhaya liya kwanda kunye).
Iimali-mboleko ezizenzekelayo zenza ukuba kube lula ukufumana iindlela ezikhuselekileyo nezithembekileyo zokuthutha. Iimboleko zemali zenza abafundi bakwazi ukufumana imfundo ephakamileyo, edla ngokukhokelela kwimpumelelo yokuphila ephakamileyo kunye nemilinganiselo yokuphila engcono.
Ngetyala, abathengi banokuhlawula izinto ezibiza ngeentlawulo ezincinci. Ngelishwa, isilingo (kunye ngamanye amaxesha nje inhlanhla) singabangela iingxaki. Xa uboleka, kufuneka uhlawule. Ukuba awukwazi ukuhlawula iintlawulo ngeyiphi na isizathu, i-credit yakho iya kubandezeleka kwaye uza kujongana neendleko eziphezulu (iifizi zokugqibela, iindleko zomthetho, njalo njalo). Ukulinga "i-0% inzala" isinikelo singagqiba ngokumangalisayo.
Nangona uhlala uhlawula ngexesha, i-credit ingaba yipasimali kwiimali zakho. Ngokomzekelo, iimali-mboleko ze-payday ziyimali-mboleko ebiza kakhulu edla ngokuhlala iinyanga okanye iminyaka. Ukuhlawula ubuncinci kuphela kwikharityhulam yakho yekhredithi kubangele ubuhlobo obude kunye namatyala. Kuphantse kubakho imali yokuboleka imali, kwaye abanye abantu bakhetha ukuhlala ngaphandle kwetyala kunye nekhredithi ukuphepha iindleko kunye nobungozi.
Kuthiwani ngamanqaku ekhredithi? Ezi zinto zinokubaluleka kubathengi ngokubanzi, kodwa zinengxaki ukuba unetyala elibi.
Ukuboleka kwesikweletu kwenza kube kubi kakhulu ukuboleka kuba ababolekisi banokubakho ngaphezulu okanye ngaphantsi kwe-automate izigqibo zokubolekisa. Ngaphezu koko, ababolekisi abakucacaluli ngokusekelwe kumjaho okanye kwezinye iimpawu zabathengi (amanqaku eebredithi kufuneka aphelise naluphi na ucalulo), ngoko ukuboleka kulungile.
Ekugqibeleni, ababolekisi banokunciphisa ilahleko zabo ngokugwema abobolekayo abangakwazi ukusilela, okugcina iindleko zabanye ababolekayo. Icala le-flip, kunjalo, ukuba ukuba unetyala elibi, kuya kuba nzima ukufumana mboleko . Ngethamsanqa, kunokwenzeka ukwakha inkokhelo nokwakha kwakhona emva kokuba uwile kumaxesha anzima-kwaye uphuculo lungena kwiminyaka embalwa.