Ndiyakuhalalisela, Melika, amanqaku akho etyala anyukile. Ekubalekeni kokugqibela, amanqaku aphakathi emali ebolekiweyo e-United States ayengama-704, liphezulu lonke ixesha, ngokutsho NDINGU , inkampani yokufumana amanqaku.
Ukuba ungaphantsi kwelo nqanaba, nangona kunjalo, musa ukuphazamiseka: Umndilili wokufumana amanqaku ngetyala ngokunyuka uyonyuka kunye nobudala, nto leyo evakalayo njengembali yetyala yenye yezona zinto zibalulekileyo ezibekwe kumanqaku akho. Kwanele ukuthi, kukho umahluko wamanqaku angama-88 phakathi kwabantu abadala kunye nabo baneminyaka engama-60 nangaphezulu. Nanga amanqaku aphakathi, aphulwe ziibrakethi zobudala:
- 18-to-29: 659
- 30 ukuya ku-39: 677
- 40-to-49: 690
- 50 ukuya ku-59: 713
- 60 nangaphezulu: 747
Kubalulekile ukuba uqaphele, nangona kunjalo, kukuba-kuyo yonke iminyaka kubakaki-amanqaku aphakathi e-FICO enyukile.
Kuba amanqaku akho etyala anokuchaphazela kumanqanaba amaninzi-yonke into ukusuka kumazinga wenzala kwimali mboleko, ukuya kumaxabiso einshurensi yemoto, nokuba ufuna ukubeka imali ezantsi kulungiselelo-ukuqonda apho ubeka khona ubulumko betyala kunye nendlela yokuqhubeka nokukhulisa amanqaku akho ibalulekile kwimpilo yakho yezemali.
Ngokuya kuthengwa ekhaya, i amanqaku aphakathi etyala izakukunceda ukuba ulungele ukufumana imali-mboleko, kodwa amanqaku angaphezulu kwe-760 aya kukhusela eyona nzala iphambili kwaye aguqulele kweyona ntlawulo iphantsi yokubambisa, utshilo uRichard Barenblatt, ingcali malunga nobambiso Ungathenga okanye uthengise izabelo Guardhill Financial Corp. . eNew York, eNew York.
Kutheni amanqaku okuthenga ngetyala ephucula
Amanqaku e-FICO e-United States ebesoloko ethe chu ukusukela ngo-Okthobha ka-2009, xa amanqaku aphakathi etyala ehle waya kuma-686 emva koqoqosho. Ngethuba lokuqala ngo-Epreli 2017, amanqaku aphakathi e-FICO afikelela kwinqanaba eliphambili le-700 kwaye ukusukela oko yafaka indlela yayo ukuya kuthi ga kwi-704.
Ke, yintoni esinokuthenga ngayo ngetyala ngokwenza ukhuphiswano lwamatyala aseMelika?
Ngokuka-FICO, bambalwa abathengi abaneeakhawunti zokuqokelela ezilinganisa amanqaku abo, enceda ukuqhuba umndilili ophezulu. Ngo-Epreli 2018, iipesenti ezingama-23 zabathengi babene-akhawunti enye okanye ezingaphezulu zee-arhente zokuqokelela kwifayile, xa kuthelekiswa neepesenti ezingama-25.8 ngo-2017.
Kwakhona, bambalwa abathengi abafuna ikhredithi, njengoko iipesenti ezingama-42.2 zabantu zenze umbuzo omnye okanye nangaphezulu kunyaka ophelileyo, ophawula ukuhla kweminyaka emine. (Isicacisi esikhawulezayo: Ukujonga kunye nokubeka iliso kwikhredithi yakho akubalwa njengombuzo onzima; kodwa xa ukhangela iiakhawunti ezintsha zetyala kwaye usenza izinto ezinje ngokufaka isicelo semali mboleko yemoto, ikhadi jikelele letyala, okanye ikhadi lesikweletu kwivenkile. ubale njengemibuzo enzima).
Ezinye iingcebiso ezingaziwa kancinci zokunyusa ityala lakho
Sele uyazi ukuhlawula amatyala akho ngexesha, ungavumeli amatyala ukuba aye kwiingqokelela, kwaye ungawasebenzisi amakhadi akho etyala elungileyo yimikhwa elungileyo yamatyala. Kodwa unokuba nomdla wokuba zeziphi ezinye iindlela zokunyusa ngetyala onokuthi uzisebenzise, ngakumbi ukuba ujonge amanqaku aphezulu kunomyinge wekhredithi okanye iklabhu ye-elite 800.
Nazi iingcebiso ezimbalwa:
- Yandisa iindleko zakho kumakhadi ahlukeneyo. Isitshixo apha kukuba ungahambi ngaphezulu kweepesenti ezingama-30 zekhadi ngalinye lenkcitho yenkcitho. Kulungile ukuphatha ibhalansi okoko uhlawula esona sixa sisezantsi ngomhla obekiweyo inyanga nenyanga, ucacisa uBarenblatt.
- Sukufaka isicelo semali mboleko entsha xa uthenga ikhaya. Amakhadi amatyala amatsha, iimali mboleko zemoto, okanye iimali mboleko zezavenge zinokuwisa amanqaku akho okwexeshana, into ongafuni ukuba yenzeke xa uku inkqubo yokuvunywa kwangaphambili okanye ukusondela ekuvalweni, utshilo uBarenblatt.
- Kuphephe ukuvala amakhadi etyala. Ukuba nekhadi elinembali ende kunokunceda ukukhulisa amanqaku akho, utshilo uKimberley Palmer, ingcali yezezimali INerdWallet , indawo yezemali. Nokuba awusebenzisi ikhadi lekhredithi olivule ekholejini, kufanelekile ukuligcina livulekile kwaye wenze kwaye uhlawule ukuthengwa, kwanezincinci.
- Yiba negama lakho kwikhadi letyala lomzali wakho. Ukuba usaqala ngekhredithi, unokuba ngumsebenzisi ogunyazisiweyo kwikhadi lomzali wakho ukunceda ukwakha amanqaku akho etyala, kananjalo, okoko nje umzali wakho ekulungele ukukongeza, utsho uPalmer.
Inqaku lokugqibela: I-FICO kutsha nje ibhengeze ukuba izokuvavanya inqaku elitsha le-UltraFICO elibonisa ukuba uyilawula njani imali kwaye inokunceda ekunyuseni amanqaku abo banetyala elingaka. Ke, imikhwa enjengokugcina amakhulu ambalwa eedola xa ujonga okanye ukonga iakhawunti, ungagqithisi kwiakhawunti yakho, kwaye ukuhlawula irente kunye nezinto zakho eziluncedo ngexesha kunokunceda ukubamba amanqaku akho.
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