Kufuneka Ukwazi Indlela Yokufumana Imali Yemali? Nantsi i-Lowdown
Unokwandisa kakhulu amathuba akho okufumana ngempumelelo imboleko ngokulungelelanisa ukuhlangabezana nezilindele.
Zibeke kwelinye icala kwideskki ngomzuzwana.
Ukuba umntu ekucelile umboleko omncinci weze shishini, ufuna ukuqonda ukuba kutheni ufuna imali kunye nawaphi amathuba ukuba uza kubuyisela imali mboleko ngokuzeleyo nangexesha. Ngoko ke kufuneka uyenze.
Indlela yokufumana iNgxowa-mali yeMali? Lungiselela.
1) Hlola / umise ukulinganiswa kwekhredithi yakho.
Qonda ukuba nangona ulandela umboleko wezoshishino, ubujamo bakho bezemali buza kuhlolisiswa ngokunjalo-ngokukodwa umlinganiselo wakho wekhredithi kunye netyala lakho lokufumana ingeniso, okungekho ngaphezulu kwe-33% yengeniso yakho yenyanga.
Kufuneka ube nexabiso elithile lekhredithi ukuba uza kufumana umboleko wezoshishino kwibhanki yendabuko okanye kwinkqubo karhulumente. Ngoko yinto efanelekileyo ukujonga ingxelo yakho yekhredithi kuqala ukufumanisa ukuba ngaba ngubani umniki-mboleko wakho oya kubona xa bejonge.
Ingxelo yemboleko oyifumayo iya kubandakanya ulwazi malunga nento oyenzayo xa ufumana iziphene kwingxelo.
Ukuba unesiseko sekhredithi, uya kufuna ukuthatha amanyathelo okulungisa isiseko sakho sekhredithi ngaphambi kokuba uzame ukufumana mboleko.
E-US, unokufumana ingxelo yekhredithi yamahhala kanye ngonyaka ngokusebenzisa iwebhusayithi ye-AnnualCreditReport.com. Ukufumana ulwazi olungakumbi, jonga njani Ukufumana INgxelo Yentengo Yemali.
ECanada, unokufumana ingxelo yekhredithi yamahhala ngokuqhagamshelana neye-arhente zengxelo zentengo ezimbini, iTransUnion okanye i-EquiFax Canada.
Ukufumana ingxelo yekhredithi yakho yamahhala uza kuyimfuneko ukuba uthumele iposi okanye ifeksi enye yale nkampani isicelo kunye neikopi zeeNkcazo zeSazisi ukuba awuyi kukwazi ukufumana ingxelo yekhredithi yamahhala kwiziko lewebhu; uya kuhlawuliswa intlawulo yombiko we-intanethi. I-CreditKarma inikezela ngeengxelo zeentengo zemali ze-intanethi nge-Canada.
(Akukho imfuneko ukuba udibanise ingxelo yengxelo yemboleko kunye nesicelo sakho semali-mboleko esincinci;
Ukuba ungumntu ongenakwi-credit rating, uya kufuna ukumisela enye ngaphambi kokuba uyakwazi ukufumana mboleko encinci yoshishino. Ngokwenene, ubeka isiseko semali ngokuthenga izinto ngekhredithi kwaye uhlawula imali ofunekayo. Umlando wakho wokubuyiselwa kwemali udlala inxaxheba enkulu ekumiseni ukulinganiswa kwekhredithi yakho, kodwa zonke iinkqubo zakho "zetyala" zenza iimbali ezisetyenziselwa ukuchonga ukulinganiswa kwekhredithi yakho.
Ukuba unomsebenzi osesikweni (kwishishini iminyaka emibini okanye ngaphezulu) kufuneka uhlolisise amanqaku akho kunye neengxelo zekredithi zeekhredithi kwaye wenze isiqinisekiso sokuba akukho mpazamo kwiingxelo zakho.
2) Qinisekisa ukuba ukuhamba kwakho kwemali kuhamba.
Abatyalomali bafuna ukubona umgangatho osebenzayo wokuhamba kwemali - kwaye impilo ibe ngcono.
Kubo, ukuhamba kwemali yikhombisi engcono kakhulu yokukwazi ukuhlawula imali mboleko. Ngoko ukuba ukuhamba kwakho kwemali kuyingozi okanye kukugqithiseleyo, kuphephe, kufuneka uhlele oku ngaphandle kokuba ufake isicelo semboleko encinci yoshishino.
3) Hlanganisa ndawonye amaxwebhu aza kukunceda ukunyanzela umboleki-mboleko ukuba umboleko wezoshishino uyimfuneko kwaye unobungozi obuhle.
Amaxwebhu adingekayo
- Isicwangciso soshishino - Isicwangciso seshishini sibonisa ukuba umboleki-mali akukona nje isizathu sokuba ufuna imali encinci yemboleko yoshishino kodwa oko uceba ukukwenza ngemali. Awunayo enye? Nantsi isicwangciso se-template esilula ongayisebenzisa .
- Iziphumo zokuhamba kwemali - Yintoni umbuzo wokuqala nawuphi na umboleki? Ngaba uya kukwazi ukuhlawula imali mboleko? Iimpawu zokuhamba kwemali yebhizinisi lakho zinika ababolekisi idatha echanekileyo yeemali abangayisebenzisa ukuhlola le mngcipheko.
- Ingxelo yobume bakho bezemali - Uludwe lwezinto zakho zeempahla kunye namatyala ukuze unike umboleki imali yesigxina sezimali.
Unokufuna kwakhona la maxwebhu:
- Imbuyekezo yerhafu yexesha elidlulileyo - Ukuba ibhizinisi lakho lisekwa kwaye uye waphinda ingxelo yentlawulo yezorhwebo , yinto efanelekileyo ukuyithatha nawe. Baya kunika umboleki imali engcono malunga nendlela ibhizinisi lakho lenza ngayo imali.
4) Ukwenza iNkcazo kwiLender
Isinyathelo esilandelayo kwindlela yokufumana imali mboleko yezoshishino kukunyanzelisa umboleki-mali ukuba ibhizinisi lakho liyakwazi kwaye unobungozi obuhle bekhredithi. Kufuneka ulungiselele kwangaphambili ukwenza umboniso wemali oyiphumelelayo.
Qala ngokuqwalasela ingongoma yokujonga. Ufuna imali. Kodwa yena unomdla kakhulu kwiimpendulo kule mibuzo emibini: "Uza kwenza ntoni ngemali?" kwaye "Ngaba ungumngcipheko omhle?", kwaye ukwenza impumelelo yemboleko yemicimbi yebhizinisi, kufuneka ufike ngeempendulo "ezilungileyo" kule mibuzo mibini.
Ukuphendula umbuzo wokuqala kuthetha ukuthetha ngokugcwele nazo zonke iinkcukacha zesicwangciso sakho seshishini kwaye ukwazi ukukhomba iingxelo zezimali ezifanelekileyo, iitshathi okanye iirafu eziya kunceda ukukholisa umboleki oyifunayo inani lemali oyicelayo ukuba uyenze oko ufuna ukukwenza.
Ukuphendula umbuzo wesibini kuthetha ukuba sele ucinge ngengozi yekhredithi omele umboleki kwaye ukulungele ukulungisa iingxaki zabo.
Ukufumana imboleko encinci yezo shishino, lungele uxelele umboleki wakho onokuthi:
- Yiyiphi into enobungozi onayo - Ubutyebi bubhekiselele kwiimpahla ezibonakalayo ozilungele ukuzimisela ukukhusela umboleko. Ezi zixhobo zingase zibe zixhobo, indlu, imoto - into exabisekileyo onayo. Ukuba uhluleka ukuhlawula imali mboleko, ke imali evela kwimpahla yexabiso isetyenziselwa ukuhlawula.
- Ingakanani imali ozimisele ukuyenza kwi-shishini - Ukuzimisela ukubeka ingozi kwimali yakho kubonisa umnini-mboleko ozinikezele kumashishini.
- Ubungcali bakho kunye / okanye namava kwintsimi yakho ekhethiweyo - Ngenxa yokuba impumelelo yoshishini lakho ixhomekeka kule nto ukuya kwinqanaba elithile, nawuphi na umboleki-mboleko onokufuna ukwazi ngakumbi ngawe. Yilungele ukuthetha ngawe xa ufaka isicelo semboleko encinci yebhizinisi - imvelaphi yakho, ubuchule bakho, kunye nezifiso zakho.
Indlela yokufumana iNgxowa-mali yeMali? Lungela
Amathuba akho okufumana imboleko yoshishino iya kuphuculwa kakhulu ukuba unamaxwebhu akho ngokufanelekileyo kwaye ulungele ukukhangela iingxalabo zabathengi malunga nokukrazula imali. Cinga nje ngethuba kumthengi obalulekileyo okanye kumthengi, kwaye uya kuba nethuba elingcono lokuphumelela.
Funda kabanzi malunga nokufumana mboleko yezoshishino:
E-US
Yintoni i-SBA 7 (a) Inkcitho? Ukufumana i-7 (a) Inkxaso kwiBhizinisi Lenu Elincinci
Ulawulo lweZimashishini ezincinci 504 Inkqubo yeMboleko
Iingcebiso eziphambili malunga nendlela yokulungiselela isibonelelo se-SBA
ECanada:
Imithombo Yemivuzo Yobutyebi BemiNcinci