Ngelixa libonakala lilula kwaye lichanekile, ukuhlaziywa kwimakethe yemali-mboleko yemashishini inokubangela ukwethusa, ingakumbi okokuqala xa ukwenza.
Indawo efanelekileyo yokuqala xa ifika ekufumaneni imboleko yakho yokuqala yamashishini okanye i-kredit ayikho kunye neebhanki yakho, i-akhawunti okanye ummeli, kodwa kunye nawe. Impilo yezemali yoshishino kuxhomekeke kumnini-shishini - wena. Yingakho imbali yakho yemboleko yemboleko yinto ebalulekileyo kakhulu ekufumaneni imboleko encinci yoshishino.
Umbuso wakho wembali yemboleko yemali ingakhokelela ekubeni unako ukufumana imboleko encinci yoshishino. Ekuvukeni kwebhanki enkulu, iibhanki ziqwalasela ngokucophelela zonke iinkqubo zokuboleka kunye nokuzama ukunciphisa ingozi. Ngaphambi kokuba ungene kwiziko lemali kwi-mboleko encinci ye-shishini, yazi iimbali zakho zemali.
Nantsi ingqungquthela yento oyifunayo ukujonga kwimbali yakho yesikweletu, kunye nendlela yokuqinisekisa ukuba ulungele ukujongana nayiphi na imiba xa uthumela isicelo sakho semboleko yeshishini.
Umyalelo WeMbali Yakho Yesikweletu
Ukuba awukhange uhlolwe i-credit yakho kungekudala, kuya kufuneka ufumane ikopi yengxelo yakho yembali yengxelo yemboleko kwiinkampani ezintathu zetyala: Equifax, Experian and TransUnion.
Unokuphinda ulandele ingxelo ye-triplicate evela kwenye yeenkampani. Unenketho yokuyalela ngefowuni, ngeposi okanye kwi-intanethi.
Ukuqonda Imbali Yakho Yemali
Emva kokuba unayo ikopi yomlando wakho weebhanki, khangela ukuba ilahlekile idatha, iimpazamo kunye nokushiya. Ngokomzekelo, usenokuba ukhansele umlinganiselo wekhadi lesikweletu se-$ 2,000 kwiminyaka edlulileyo, kodwa kusenokubonakala kwifayili yakho.
Ibhanki iya kujonga oku njengetyala lekhoyo kunye nomda okanye ukulahla imboleko yakho yamashishini amancinci. Vala zonke i-akhawunti ezingasebenzi phambi kokuba ufake isicelo semboleko encinci yebhishini.
Yilungele ukucacisa ukuhlawula kwexesha elifutshane
Ukuba umlando wakho weebhanki ukhombisa nayiphi na intlawulo emva kwexesha, uya kuhlangabezana nexesha elinzima ukufumana umboleki ukuba akunike imali mboleko. Qinisekisa ukuba uyazi ukuba kutheni ukuhlawulwa kwexesha elide kwirekhodi yakho, ngoko unokwenza ibhanki yakho ibe nengcaciso ecacileyo ukukhupha nayiphi na inkxalabo.
Ukufumana imboleko encinci yeshishini kwaye ayikho inkqubo elula kwaye kulula. Kufuneka ukwazi ibhizinisi lakho kunye neemeko zakho zemali. Khumbula, isinyathelo sokuqala sokufumana imboleko encinci yebhankini kukuba ube nembali yebhanki ecocekileyo ukuze uqale ngaloo mini.
Ehlelwe nguAlyssa Gregory