Ukuseka ikhredithi kubeka inkohliso yokubamba-22: Ufuna ikhredithi ukuze ufumane ikhredithi. Oku kungangqinisisa ukuba uzama ukuqesha indlu, thenga ikhaya , okanye, heck, ifuna nje i-inshurensi yemoto kodwa ayifaneleki ngenxa yefayile yekhredithi ebhityileyo.
Ke, nokuba ungomnye wabo bantu banoxanduva lwezezimali abebesoloko bebeka imali kwimini yokuzalwa kwibhanki yehagu okoko ubusenkulisa, khange unikwe thuba lokuzibonakalisa okwangoku kwiziko lamatyala. Kwaye, uqala ngokungalunganga ngenxa yokuba ubude beakhawunti yembali ye-akhawunti Iipesenti ezili-15 zamanqaku akho etyala.
Ke uqala njani ukwakha ikhredithi xa ungenayo? Nazi iindlela ezine:
1. Buza umnini-mhlaba ukuba akuxele irente
Ukurenta akuchaphazeli isiko lakho. Ngaphandle koko, kunjalo, ukuba uyeka ukwenza intlawulo kwaye kukhutshwa isigwebo ngokuchasene nawe, esinokubangela uphawu olubi kumanqaku akho. Oku kunokuba yinto ephazamisayo xa usenza inyanga nenyanga, ukuhlawula ngexesha, kwaye akukho nto uyibonisayo kwingxelo yakho yekhredithi. Kukho, enyanisweni, iindlela onokuthi uqiniseke ukuba imbali yakho yentlawulo yokuqesha yongezwa kwingxelo yakho yekhredithi.
Ngelixa abanye abanini-mhlaba abakhulu benkampani sele benika ingxelo kwii-bureaus, abanye abaninzi abenzi njalo. Isisombululo: Bhalisa kwiwebhusayithi yomntu wesithathu njenge Qeshisa iiNtatheli, Ucebisa u-Adrian Nazari, i-CEO kunye nomsunguli wewebhusayithi yezemali Ityala lesame . Uyaphawula ukuba umnini-mhlaba uza kuqinisekisa ukuba uhlawula irente inyanga nenyanga.
lithetha ntoni inani lama-444 leengelosi
Ukuba ufuna ukugqitha umnini-mhlaba, nangona kunjalo, ungasayina ngenkonzo yokuhlawula yerenti esebenza nayo Amava eRentBureau kwaye loo nto iya kunika ingxelo kumava, enye yezona zinto zintathu ziphambili zamatyala, utsho uNazari. Kwimeko apho, irente yakho ihlawulwa ngenkonzo kwaye akukho siqinisekiso sizimeleyo siyafuneka.
2. Yiba ngumsebenzisi ogunyazisiweyo kwiakhawunti yomnye umntu
Ngaba umama unetyala elikhulu? Ngaba uyimodeli yoxanduva lwezezimali? Unako, ngokunokwenzeka, ukubuyela kwi-piggyback kwikhredithi yakhe elungileyo. Ukuba uyalazi ilungu losapho elenza umsebenzi omkhulu wokuphatha ikhadi lakhe letyala, ungacela ukuba ube ngumsebenzisi ogunyazisiweyo kwiakhawunti yabo.
Oku kuthetha ukuba ufumana ikhadi lekhredithi elabelana ngomda wokuqala wekhadi lomnini-khadi, utsho uNazari. Unokuba ngumsebenzisi ogunyazisiweyo nokuba imbali yakho yamatyala incinci.
Ngethuba nje omnye umntu ehlawula ityala ngokufanelekileyo ngenyanga kwaye ugcina ibhalansi iphantsi ngokunxulumene nomda wekhredithi, uya kuqala ukwakha ikhredithi, nawe. Esi sisicwangciso esisebenzayo nokuba awuchithanga buqu usebenzisa iakhawunti yomnye umntu. Ingcebiso evela ku-Nazari: Qinisekisa ukuba ujonga umniki wekhadi ukuqinisekisa ukuba banika ingxelo abasebenzisi abagunyazisiweyo kumaziko agcina ityala, njengoko ingengabo bonke.
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3. Nyusa amanqaku akho etyala ngeemodeli ezintsha zokufumana amanqaku
Ukuqonda ukuba kunzima ukufumana isantya sokuhamba ngetyala, i-FICO kunye namava bobabini baneenkqubo ezintsha ezikuvumela ukuba unyuse ikhredithi yakho ngaphandle kokuvula nawaphi na amakhadi etyala okanye uthathe nayiphi na imali mboleko eyongezelelweyo.
Amava eBoost liqonga elitsha elinokuzikhethela elivumela abathengi ukuba banike ukufikelela kuphela kokufunda kwiiakhawunti zabo zebhanki ukuze iintlawulo zombane zincedise ekwakheni ityala. U-Experian uthi le nkqubo izakubanceda kakhulu abathengi abaneefayile ezincinci zekhredithi (ngaphantsi kwemiqolo emihlanu yekhredithi) kunye nabo banamanqaku aphakathi kwama-580 ukuya kuma-668. amanqaku amathathu etyala aphuculwe.
I-UltraFICO yimodeli entsha yetyala ethathela ingqalelo izakhono zabathengi zokulawula imali. Abasebenzisi bakhetha ukungena ngokunika i-FICO ukufikelela kwiakhawunti yebhanki njengokujonga, ukugcina imali, kunye neeakhawunti zeemarike zemali. Ukubuya, ukuhlawula amatyala ngexesha lenyanga emva kwenyanga, ukugcina amakhulu amawaka eerandi njengesixhobo sokugcina kwiakhawunti yokonga, kwaye ungagqithisi ngaphezulu kwiakhawunti yokutshekisha konke kudityaniswe namanqaku eFICO ukuze kunyuswe amandla.
4. Fumana imali-mboleko yokuqala
Ezinye iibhanki zibonelela ngeemali-mboleko zokwakha ngetyala, ezisisiseko sokugcina iiakhawunti ezisebenza njengemali mboleko yezavenge, ucacisa uAdam Jusko, umseki kunye ne-CEO yezemali kunye nendawo yokuthelekisa ikhadi ProudMoney.com .
Cinga ngale ndlela: Ibhanki iya kukuboleka i-500 yeedola, kodwa ayikuniki loo mali de ube uhlawule ibhanki imali eninzi, kunye nenzala, ngothotho lweentlawulo zezavenge.
Nje ukuba udibane nemigaqo yemali mboleko, uyayifumana imali, utshilo. Uyigcinile i-500 yeedola, kodwa uyihlawule inzala yebhanki ukuze ibhanki inike ingxelo ngeentlawulo zakho kwii-bureau ezinkulu zamatyala njengendlela yokuphucula amanqaku akho etyala.
Elinye icebo lokugqibela: Ukuba uzama ukwakha ikhredithi, sukuba krwada ngokujonga amanqaku akho. Ukujonga kuyo kanye ngenyanga okanye njalo ngumkhwa olungileyo.
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