Ikhredithi yokwakha ibeka eyona Catch-22 yokugqibela: Ufuna ikhredithi ukuze ufumane ikhredithi. Ke, uninzi lwee-20s zakho zichithwe ukungqina ukuba ufanelekile ngetyala, unyusa kancinci umda kumakhadi akho etyala okanye, ukuba ubuye ekholejini, usenza intlawulo engaguquguqukiyo, ngexesha elifanelekileyo kwimali mboleko yakho yomfundi.
Okwangoku, imisebenzi yoxanduva lwezezimali, njengokuhlawula irenti yakho ngexesha nenyanga nganye, ayisoloko ifumana ingxelo ezenzekelayo kwii-bureau zekhredithi, ngenxa yoko akunakulungiswa ngamanqaku akho ngaloo ndlela.
lithetha ntoni ishumi elinanye elinanye?
Ke, emva kweminyaka elishumi ezibonisa ukuba ufanelekile ngetyala , unokuba nomdla wokufuna ukwazi: Amanqaku akho emboleko yekhredithi kufuneka abe nini xa ufikelela kwiminyaka engama-30?
Ngokwenyani, akukho mpendulo ifanayo. Umntu oneminyaka engama-30 ubudala kwihlomela ledolophu, umzekelo, unokuba nemali mboleko ezininzi zemoto kunye nokubolekwa kwemali ukumnceda ukwakha ikhredithi kule minyaka ilishumi idlulileyo ngelixa uhlala kwisixeko esikhulu, apho bekungeke kwenzeke ukuba nemoto, kwaye Amaxabiso ezindlu anomsindo kwaye ekuphela kwento exeliweyo kumaziko agcina ulwazi ngetyala yikhadi letyala okanye ezimbini.
Kodwa, ukuba sithetha ngokwemihlaba, umndilili wamanqaku kwabo bakwi-bracket yobudala engama-30 ukuya kuma-39 ngama-673, ngokwe ingxelo evela kumava , Elinye lawona maziko mathathu aphambili okuthenga ngetyala. Oku kuthathwa njengamanqaku afanelekileyo. Ingaphezulu kancinci kune-662, engumndilili kwabo bakwiminyaka yama-20, kodwa ingaphantsi kwama-684, elingamanqaku aphakathi abantu abakwiminyaka engama-40. Abo bakwiqela lama-60 nangaphezulu banamanqaku aphezulu aphakathi angama-749.
umele ntoni 444
Amanqaku okuthenga ngetyala athanda ukunyuka kunye nobudala. Kungenxa yokuba izinto ezimbini eziphambili ezichaphazela ityala lakho zithatha ixesha: Imbali yeentlawulo ezenziwe ngexesha zenza iipesenti ezingama-35 zamanqaku akho kunye nobude bembali yekhredithi yenza enye ipesenti ezili-15, ngokwe NDINGU , imodeli yokufumana amanqaku ngetyala. Cinga ngako njengokunika amanqaku akho etyala ixesha lokuntywila.
Ukugxila kumanqaku amanqaku ngetyala ngokuchasene nokufikelela kwinani elimiselweyo ikwayindlela ebalulekileyo kwikhredithi yakho, utsho URod Griffin , Umphathi wamava weMfundo yaBathengi kunye noLwazi.
I-FICO ithi amanqaku abo asebenzisa olu luhlu lulandelayo: 300-579 ihlwempuzekile; 580-669 enobulungisa; 670-739 elungileyo; 740-799 zilunge kakhulu; kwaye 800-850 yahlukile.
Ngokubanzi, ukubanakho ukufikelela kumaxabiso aphezulu kunye nemigaqo kuya kuxhomekeka kweliphi inqanaba owela kulo, hayi elona nqaku lakho, utshilo uGriffin.
Inombolo yeengelosi ezili-1111 ezinentsingiselo
Ke, umntu onenqaku elikhethekileyo le-740 yenqaku letyala uya kufumana amaxabiso afanayo nomntu onamanqaku angama-850.
Ukuba ujonge ukwandisa amanqaku akho kwaye uye kwinqanaba elilandelayo lamanqaku, nazi ezinye iingcebiso ezivunywe yingcali:
- Zama Amava okomeleza . Yinkonzo yasimahla enikezelwa yi-Experian ekuvumela ukuba ungeze iintlawulo zakho ezilungileyo zomnxeba kunye nezinto eziluncedo kwingxelo yakho yekhredithi ukuze ube nethuba lokunyusa amanqaku akho kwangoko, utshilo uGriffin. Amava abone amanqaku ephucula abathengi ababini kwabathathu, ngokunyuka okuphakathi kwamanqaku ali-10, utshilo.
- Rhoqo yenza iintlawulo ngexesha. Imbali yokuhlawula ihlala iyeyona nto iphambili kwifomula yokufumana amanqaku ngetyala, utshilo uSean Messier, umhlalutyi weshishini lokuthenga ngetyala Ikhadi letyala ngaphakathi , uthelekiso lwekhadi letyala kunye nendawo yemali yabathengi. Misela ukuhlawulwa ngokuzenzekelayo kwimali mboleko yakho kunye namakhadi etyala, u-Messier ucebisa, ukuze ungalibali ukuhlawula ityala.
- Gcina amakhadi amadala amatyala avuliwe. Ukuba la makhadi awanayo imali yonyaka, kufanelekile ukuba uwagcine evulekile, nokuba awawasebenzisi rhoqo, utshilo uMessier. Ukuba neeakhawunti ezindala kuya kunceda iminyaka yakho ngetyala.
- Hlawula ibhalansi yekhadi lakho letyala. Nje ukuba ukusetyenziswa kwekhadi lakho letyala kudlule ngaphezulu kweepesenti ezingama-30 okanye njalo, isayina kubabolekisi onokwandiswa. Pro-incam: Fumanisa ukuba loluphi usuku lwakho Iingxelo zenkampani yekhadi letyala kumaziko agcina inkcazelo ngeentengo zemboleko. Akusoloko kusuku olunye nomhla wakho omiselweyo, ke uya kufuna ukukhumbula ukuba iibhalansi zekhadi lakho letyala aziphezulu kakhulu kumhla wengxelo-nokuba ucwangcise ukuwahlawula phantsi ngomhla omiselweyo.
Ngaba ufuna ezinye iingcebiso zokwakha ityala? Nazi iingcebiso ezingama-23 ezivunyiweyo ziingcali.
