Ulijonga njani ityala lam lasimahla. Ungajonga amanqaku akho etyala mahala sithuba esingaphantsi kwemizuzu emibini. Unelungelo lokufumana a Ikopi yasimahla yengxelo yakho yamatyala Rhoqo kwiinyanga ezili-12 kwinkampani nganye yokunika ingxelo ngetyala kwilizwe lonke. Myalelo we-Intanethi kwi yibanketing.com , Iwebhusayithi egunyazisiweyo ukufumana iingxelo ikhredithi yasimahla , okanye tsalela umnxeba 1-877-322-8228 . Kuya kufuneka unikeze igama lakho, idilesi, inombolo yokhuseleko lwentlalo, kunye nomhla wokuzalwa ukuqinisekisa ubungqina bakho.
Ngethamsanqa, ngoku kulula kunakuqala ukubona amanqaku akho etyala ngaphandle kokuhlawulela inkonzo. Ukusuka kwiiwebhusayithi zamanqaku asimahla kwiikhampani zamakhadi etyala ezibonelela ngohlaziyo lwasimahla lwenyanga ngenyanga, zininzi iindawo zokujonga amanqaku akho etyala kwezi ntsuku. Ke umba ayisiyiyo indlela yokujonga amanqaku akho etyala, kodwa ukuba ungayijonga phi kwaye nokuba ujonga ulwazi lwamva nje. Amanye amanqaku okuthenga ngetyala asimahla ahlaziywa rhoqo ngakumbi kunabanye, kwaye iinkonzo ozifumana kunye namanqaku asimahla ayahluka.
Apha kulapho ungajonga khona amanqaku akho etyala mahala:
| Umnikezeli wamanqaku etyala | iindleko | Amanqaku ahlaziyiweyo ... | Ingxelo yasimahla yamatyala? | 24/7 ukubeka iliso kwityala | Ukulinganiswa komsebenzisi weWalletHub |
|---|---|---|---|---|---|
| IsipajiHub | Simahla | Yonke imihla | Ewe | Ewe | Iinkwenkwezi ezi-4.8 |
| Ityala Sesa Mna | Simahla | Ngenyanga | Hayi | Ewe | 3.6 iinkwenkwezi |
| Inkulumbuso yokuqala | Simahla | Ngeveki | Hayi | Ewe | 3.7 iinkwenkwezi |
| Ityala leKarma | Simahla | Ngeveki | Ewe | Ewe | Iinkwenkwezi ze-4.2 |
| Fumanisa | Simahla | Ngenyanga | Hayi | Hayi | 4.0 iinkwenkwezi |
| Njengoko | Simahla | Rhoqo kwiinyanga ezi-3 | Hayi | Ewe | Iinkwenkwezi ze-4.3 |
| Amava | $ 24.99 / ngenyanga | Yonke imihla | Ewe | Ewe | Iinkwenkwezi ezi-2.5 |
| I-Equifax | $ 19.95 / ngenyanga | Yonke imihla | Ewe | Ewe | 4.0 iinkwenkwezi |
| Inguqu | $ 24.95 | Yonke imihla | Ewe | Ewe | Iinkwenkwezi ezi-3.0 |
| MyFICO.com | $ 19.95 / ngenyanga | Ngenyanga | Ewe | Ewe | 4.0 iinkwenkwezi |
Qaphela: abanye ababoneleli ngeenkonzo ezihlawulelweyo banikezela ngezilingo zasimahla. Ukwenza lula, asilubandakanyi olo lwazi kwitheyibhile engentla.
Kutheni kufuneka ujonge amanqaku akho eMboleko
Kuhlala kulungile ukudlula kwizibonelelo zokujonga amanqaku akho etyala. Ngamafutshane, ukujonga ikhredithi yakho kubalulekile kuba:
- Ikunika umbono olungileyo wokuqina ngokwezimali ngokubonelela ngamanqaku amanqaku kumxholo weengxelo zakho zetyala;
- Inceda ufumane elona khadi lililo kunye namatyala emali mboleko kwaye unciphise amathuba okulahlwa;
- Yenza kube lula ukuthelekisa iimveliso zezemali, njengoko uninzi lwezihlomelo zidwelisa ubuncinci benqanaba lekhredithi (umz. kwaye
- Ikuxelela ukuba uphonononge njani ngokusondeleyo iingxelo zakho zamatyala. Amanqaku asezantsi kakhulu kunokuba ungalindela yiflegi ebomvu ebonakalayo, mhlawumbi ebonisa ubuqhetseba obunokwenzeka.
- Ayinampembelelo kumanqaku akho etyala. Ukujonga amanqaku akho etyala kudala imibuzo egudileyo, engachaphazeli amanqaku akho etyala, ukuze ukwazi (kwaye kufanele) ujonge amanqaku akho rhoqo njengoko uthanda.
Okokugqibela, kubalulekile ukukhumbula ukuba phantse wonke umntu unendawo yokuphucula amanqaku akhe ngetyala. Kwaye ukuhlawulwa kwamatyala okungcono kunokuxabisa amawaka eedola ngonyaka. Kwaye ukukhathalela amanqaku akho akufuneki kukuhlawulise ipeni okanye ixesha elininzi. Ke, jonga iingcebiso zethu eziluncedo zokuphucula ikhredithi ukuze uqalise. Kwaye ukuba ufuna ingcebiso eyenzelwe imeko yakho, bhalisela i-akhawunti yasimahla yeWalletHub ukuze ufumane uhlalutyo lwakho olwenzelwe wena. Esi sesinye isizathu sokuba kutheni ujonge amanqaku akho etyala kwiWalletHub.
Ngawaphi amanqaku okuthenga ngetyala omele ukujonga?
Uninzi lwabantu aluyazi, kodwa elowo kuthi unamanqaku amaninzi etyala-ngaphezulu kwe-1,000, ngoqikelelo oluthile. Kodwa inyani yile, ayisiyongxaki ukuba uhlola kweyiphi, ukuba nje isimahla kwaye ivela kumthombo othembekileyo.
Kukho izizathu ezibalulekileyo zoku:
- Iziphumo ezifanayo ICandelo loKhuseleko lwezeMali loMthengi lifumene Unxibelelwano lwama-90% kukhetho lweemodeli eziqhelekileyo zokufumana amanqaku ngetyala. Ke ukuba ufumana amanqaku etyala kubanikezeli ababini abohlukeneyo, amanani kunokwenzeka ukuba asondele kakhulu, ukuba awafani. Ukongeza kwiyantlukwano phakathi kweemodeli zokulinganisa, amanqaku emboleko angahluka kuba ayingabo bonke ababolekisi abanika ingxelo kwii-bureau ezintathu ezinkulu zamatyala.
- Kunzima ukufumana amanqaku ngqo kumbolekisi -Kusoloko kungenakwenzeka ukuqikelela ukuba loluphi uhlobo lwamanqaku emboleko oza kusebenzisa umbolekisi, ngakumbi kuba ababolekisi abaninzi benza iimodeli zokufumana amanqaku ngetyala le-OTC ukuhlangabezana neemfuno zabo. Kwaye ukuba awunakufumana uhlobo oluthile lwamanqaku umbolekisi wakho oza kuwukhetha ukuvavanya isicelo sakho, akukho sizathu sokuba ukhethe.
Unokufunda ngakumbi malunga neendidi zamanqaku kunye neemodeli kwinqaku lethu lokuba kutheni kungekho manqaku okwenyani kwetyala. Ngenxa yoko kufanelekileyo, amanqaku emali asimahla eWalletHub asekwe kwimodeli yeVantageScore 3.0. IVantageScore 3.0 yenye yezona ntlobo zaziwayo zamanqaku okuthenga ngetyala phakathi kwababolekisi, kwaye abanye bakujonga njengamanqaku etyala uqikelelo ngakumbi iyafumaneka.
Ithetha ntoni inqaku letyala?
Amanqaku ekhredithi kukumelwa ngokwamanani kwimbali yakho yamatyala. Inezinto ezintlanu ezinxulumene nobunzima:
- Imbali yokuhlawula: 35%
- Ixabiso elinetyala: 30%
- Ubude bembali yamatyala: 15%
- Zingaphi iintlobo zeentengo zemboleko ezisetyenziswayo: 10%
- Imibuzo ye-akhawunti: 10%
Ababoleki basebenzisa amanqaku akho etyala ukuvavanya umngcipheko wakho wekhredithi; Ngokubanzi, aphezulu amanqaku akho etyala, umngcipheko wakho usezantsi kumbolekisi.
Kububulumko ukucela ingxelo yekhredithi kwi-arhente nganye yokunika ingxelo ngetyala kwaye uyiqwalasele ngononophelo, kuba nganye inokuqulatha ulwazi olungahambelaniyo okanye ukungachaneki. Ukuba ufumanisa impazamo, cela ifom yengxabano kwi-arhente kwiintsuku ezingama-30 zokufumana ingxelo yakho.
Uxanduva ngundoqo
Ngaphezulu kwako konke, kubalulekile ukusebenzisa ityala ngokufanelekileyo. Imbali elungileyo yetyala kunye nenqaku elifanelekileyo letyala inokuba ngumahluko phakathi kokukwazi ukuthenga ikhaya, ukuthenga imoto, okanye ukuhlawulela ikholeji. Ukulawula ngokufanelekileyo ingxelo yakho yamatyala yindlela elungileyo yokuhlala ulawula imali yakho kwaye ekugqibeleni ufezekise iinjongo zakho.
Buza iingcali: Iingcebiso zokujonga amatyala
Ukujonga amanqaku akho etyala kulula kunangaphambili. Kodwa abantu abayenzi ngokwaneleyo. Ngoba? Sibuze le mibuzo ilandelayo kwiphaneli yeengcali zezemali ukuze ufumane kwaye ufumane iingcebiso zokonga imali ngelixa ugcina amanqaku akho. Uyakubona abakuthethileyo apha ngezantsi.
- Ngaba kulula kangakanani ukuba abantu bajonge amanqaku abo etyala ngoku kunokuba yayiyiminyaka emi-5-10 eyadlulayo?
- Ngaba sikhona isizathu sokuhlawula ukujonga amanqaku akho etyala?
- Zeziphi izibonelelo kumthengi ngakumbi: uhlaziyo lwenqaku lemihla ngemihla lokufumana amanqaku ngokusekwe kwiingxelo zearhente enye okanye uhlaziyo lweveki nganye olusekwe kwiingxelo zearhente ezimbini?
- Yeyiphi eyona mpazamo inkulu eyenziwa ngabantu xa bejonga amanqaku abo etyala?
Iziqulatho