Isisombululo esibonakalisiweyo sokufumana i-credit
Ukufaka isicelo kwikharityhulam yekhredithi yoshishino ngokukhethekileyo kubaluleke kakhulu phantse kuwo onke amashishini. Abanomashishini abaninzi, ngokukodwa abanikazi bamashishini abancinci bahlala bekulungele ukuba nekhadi lokuthenga ngetyala, nto leyo ingabalulekanga ekwenzeni iintlawulo zezorhwebo. Nangona kunjalo, ingxaki ivela xa ungenayo imbali yekhredithi ekhuselekileyo njengoko yenza yonke inkqubo ibe nzima kwaye ingenakwenzeka. Olu bunzima luye lwaba lukhulu xa ufuna ikhadi lekhredithi yebhanki elingakhuselekanga.
Kwakhona, ukufumana ingeniso encinci okanye i-capital, kunye nokuba ne-shishini elingazinzileyo lingongeza ukwanda komcimbi. Nangona kunjalo, abanini-shishini abafuna amakhadi enkcitho yekhredithi abangenakho ikhredithi banokuhlola iindlela ezahlukeneyo zokuba bakwazi ukufumana amakhadi enkcazelo ngamashishini angabikho nkonzo. Nazi ezinye iindlela eziqinisekisiweyo zokufumana amakhadi enkredithi yamashishini angenayo ikranti.
Fumana iKhadi leNkcazelo yeMali ekhuselekile
Le nto ngokuqinisekileyo isicombululo sekhadi lesikredenti ukuba umnini-shishini angahlola. Ikhadi lekhredithi elikhuselekileyo lishishini alifunanga nayiphi na imbali yamatyala yangaphambili. Njengomnini-shishini, umthengi wekhadi lekhredithi elikhuselekileyo unokunikezelwa nje kuphela xa unikezela idizithi efunekayo, eyenza ukhuseleko okanye idibanti kwikhadi lakho lekhredithi. Ibhanki ekhuphayo inyanzelekile ukuba isebenzise idiphozithi ukuba uyiphumelele ukuhlawula ibhilikhwe yakho yenyanga okanye nayiphi na enye ukuzibophelela ngokwezimali.
Ngokuqhelekileyo, kulula ukufumana amakhadi ekhredithi ekhuselekileyo angabikho khredithi. Nangona kunjalo, kwimeko apho unzima ukuhlangabezana neemfuno zokufaneleka eziza kufakwa ngamabhanki athile, unakho ukhetho lokufaka ikharityhulam yekhredithi yebhanki engafuneki ukuhlolwa kwekhredithi.
Nangona la makhadi ekhredithi ekhuselekileyo angakudinga ukuba ubeke phantsi idiphozi enkulu yokhuseleko, banikezela ngeenzuzo ezifanayo njengawo nawaphi na amakhadi e-credit card angakhuselekanga .
Ukusebenzisa uMlingani weMboleko
Ukubambisana nomntu onomlando weentengo zemboleko esinye isisombululo sokufumana ikhadi lekhredithi yekhredithi ngaphandle kwekhredithi. Ngokomzekelo, ukusebenzisana nomlingani webhishini kunye nekhredithi ehloniphekileyo kunokunyusa amathuba akho okuba nekhadi lekhredithi yebhizinisi . Yonke iqabane lakho loshishino kufuneka lenze isicelo sekhadi lekhredithi yoshishino kwaye ikunge njengomsebenzisi ogunyazisiweyo. Oku akuyona nje indlela yokuncedisa iindleko zezoshishino kodwa kwindlela enkulu yokuphucula amanqaku akho ekwereti.
Fumana Iintlawulo Zoshishino Zakho kwiiNgxelo ezahlukeneyo zeTyala
Ukwakha ukufaneleka ngokufanelekileyo ekufumaneni ikhadi lekhredithi yoshishino , unokuqwalasela ukuba zonke iintlawulo zezoshishino zakho zirekhodwe yiphina i-credit bureau efana neTransUnion, Equifax, ne-Experian. Ngokomzekelo, ukuba ishishini lakho lisekelwe kwishishini eliqashiweyo, unokuqwalasela ukucela ukuba umnini-mhlaba ubhalisele inkonzo enjenge-RentTrack. Oku kuya kuqinisekisa ukuba nanini na xa wenza iintlawulo zentlawulo, ubika kwii-credit bureaus, ngaloo ndlela wenze ukuba ukwazi ukufumana ikharityhulam yekhredithi .
Faka isicelo kwiKhadi leMali eliShishini eliMntu omnye
Nangona le nto ayinakusebenza ngokuthe ngqo ekufumaneni ikhadi lekhredithi yoshishino, kuyafaneleka ukuba uqaphele ukuba ukufaka izicelo kumashishini athile ekhredithi ngamashishini athile xa ungenayo i-credit card engasebenza kuyo. Oku kungenxa yokuba ishishini lakho alizange libonise ukuba liyakwazi ukujongana nekhadi lekhredithi enye . Ngoko ke, cinga ukufaka isicelo sekhadi lesikweledu elinye kunye nelo xesha xa unemvelaphi esekelwe kwingxowa-mboleko. Kwakhona, khumbula ukuba ukuhlawula ibhishini lakho kunye nezibophelelo zetyala ngexesha kwaye ngaphandle kokungaphumeleli kubalulekile ukwenzela ukufaneleka kwekhadi lesikweletu ngamashishini okanye ngekhredithi.
Kule nto, abanikazi boshishino kufuneka baqonde ukuba ukufumana ikhadi lekhredithi yoshishino ngaphandle kwekhredithi kubonakala kuyintlekele.
Nangona kunjalo, ukusebenzisana namakhadi eentengo zemali-mboleko, ukusebenzisana nomntu ofanelekileyo, ukuhlawula iintlawulo zezorhwebo kunye namaziko eentengo zemboleko, kunye nokujika kwiingxowa-mboleko zemali-mboleko zingakwazi ukubenza bakwazi ukufumana amakhadi-mboleko enkampani ngaphandle kwekhredithi.