Kweli hlabathi lanamhlanje, kuye kwaba nzima kakhulu ukuhlala ngaphandle kwemboleko okanye nayiphi na enye uhlobo lwekhredithi nokuba yeyomntu okanye kwishishini. Ngenxa yoko, abaninzi ababolekayo banciphisa inani lababoleki abanikezelwa ngemali mboleko imihla ngemihla. Enye yezona zinto zibalaseleyo aba babolekisile ngazo izikolo zakho ze-FICO®. Ininzi engaziwayo, amanqaku aphezulu a matyala athetha ukuba unamandla aphezulu okulawula ityala ngelixa amanqaku aphantsi athetha ukuba uthathwa njengomngcipheko ophezulu.
Ngako oko, amanqaku akho eFICO® adlala indima ebalulekileyo ebomini bakho kuba babolekisi bathengisa ngee-arhente zengxelo zemboleko zemali ukuseka amandla akho okubuyisela imali. Kubalulekile ukwazi ukuba nanini na xa ufuna imali ukuze uqalise ishishini lamaphupha akho, i-credit yakho siqu iya kuthathwa ingqalelo kwiibhanki kunye nababolekisi ngaphambi kokunikezela nayiphi na uhlobo lomboleko . Oku kubonisa ngokwenene ukuba kunzima kangakanani ukufumana imali ngemali embi.
Ukuba okwangoku unobungozi obubi bentengo, unako ukuphucula kuyo ngokusebenzisa iindlela ezininzi zokwakha iikratshi. I-FICO® yamanqaku akhokredithi agcina eguqukayo ngokuxhomekeke kwindlela osebenza ngayo nzima ukuphucula kuyo. Ukuba uhlawula zonke iimali zakho ngexesha, buyiselwa imali yakho ngexesha kwaye uyeke ukusebenzisa yonke i-credit ewanikwa yona, kuthetha ukuba usenethuba elikhulu lokuphakamisa amanqaku akho. Kukho iinzuzo ezininzi eziza kukuphucula umlinganiselo wakho wekhredithi ye-FICO® ngakumbi xa kuziwa ekuxhaseni i-shishini lakho.
Nantsi ukujonga kwinqanaba eliphezulu lokuthenga ngetyala lomntu onokuthi lenzelwe wena ngakumbi xa kuziwa kwiinkxaso-mali zoshishino.
Iimvume eziKhuselekileyo
Njengomntu ofuna ukuqala ishishini elincinci, enye yemithombo yemveli yemali ibhanki yebhanki. Njengokuqalisa, ishishini lakho aliyi kuba namanqaku ekhredithi yezorhwebo ababolekisi bemali abanokuyithemba ukuba baqinisekise ukuba ngaba inkampani yakho iyakutyala.
Oku kuthetha ukuba yindlela kuphela yokuyenza le ngqiqo kukuvavanya amanqaku akho esikhredithi. Ngaloo ndlela, naliphi na umvuzo wakho we-FICO® ungaphezulu kwe-700, ngoko ke ingenakho ukuhlawulwa kwemali mboleko. Nangona kunjalo, xa unesicalulo semali-mboleko (ngaphantsi kwe-680) kuya kunzima kuwe ukuba ufumane umboleko wezoshishino.
Iimali eziHle
Abaninzi bemboleko mboleko baya kuba banokuphucula amazinga angaphezulu okuhlawula imali ukuze uhlaziye ikhaya lakho xa unomlinganiselo omhle we-FICO® (phakathi kwama-680 no-800). Oku kungenxa yokuba ixelela ibhanki indlela ojongene ngayo xa ifika kwimbuyekezo yokuboleka imali. Ngaloo ndlela, ibhanki inokukuvumela ukuba uxoxisane nomyinge wenzalo kwakunye nexesha lokubuyiselwa imali njengoko bayazi ukuba ngokuzenzekelayo uya kuhlawula yonke imali. Kuyafana noko xa ufuna ukufumana ifayili yorhwebo.
Iimali eziphantsi kweeNkxaso-mali kwi-Business Rental Rental
Ukuba uceba ukuseka ibhizinisi elikhulu, kulindeleke ukuba uthenge okanye uqeshe imoto yokuthutha impahla yakho. Amanqaku aphezulu a matyala aza kwenza abaninzi abathengisa imoto banxungule ukuthengisa imoto kuwe ngenxa yokuba unako ukufumana imvume yokufumana imali.
Ukuqeshisa imoto yeshishini , uya kukwazi ukuxoxisana nezinga elingcono kwaye xa kuziwa ekuthengeni, ixabiso linganciphisa. Oku kuya kuthi, ekugqibeleni, gcina ibhizinisi lakho imali eninzi xa kuthelekiswa nomntu onomvuzo wekredithi yakhe engaphantsi kokugqibeleleyo.
Amandla amaninzi okuxoxisana
Ukuba uya kufaka isicelo semali mboleko yakho kwi-bhanki yezorhwebo okanye kwiziko elizimeleyo, yinto eyo kuvavanywa phambi kokunikezelwa kwemboleko ngumlinganiselo wesikweletu sakho. Umlinganiselo wesikweledu ophezulu ubeka kwindawo apho ungathetha khona ngemimiselo nemiqathango yemboleko yakho. Umlando wesikweletu oqinileyo unokukwenza ube nomgca ophezulu wekhredithi, unikwe inzala engaphantsi okanye ukhutshwe ipakethe yokubuyisela imali ekhangayo.
Iimali zeeNkampani zeeNtshumo zeNqwelo-mali zeNqwelo
Esinye isizathu sokuba kuphuculwe amanqaku akho okwekhredithi ye-FICO® kubalulekile kukuba iinkampani ezininzi ze-inshorensi zisebenza ngoluvo lokuba amanqaku amancinci, aphakamileyo umngcipheko wokubandakanyeka okanye ukudala ingozi kwaye ke iphakamileyo yeemoto eziphambili.
Oku kuthetha ukuba uya kuhlawula iiprimiyam ezininzi ze-inshorensi xa kuthelekiswa nomntu onomvuzo omhle wekhredithi. Ukuba uneshishini, ngoko ke kuthetha ukuba iiprayimari ziyakwandisa ukuphuma kwemali kwaye zichaphazele kakubi ngosuku lokusebenza kweshishini lakho.