Indlela yokuPhucula amanqaku akho eMboleko ngokukhawuleza
Eyona nto iphambili inegalelo ekuphuculeni amanqaku am etyala ngeentsuku nje ezingama-30 yayikukuncipha kwesalathiso sam Ukusetyenziswa kwekhredithi . Ndinciphisile ukusebenzisa kwam nge-19%!
Ndiyenzile ngeendlela ezimbini: Okokuqala, bendihlawula ngaphezulu kwesixa esincinci esityalwayo kumakhadi wam etyala (endikwenzayo, kodwa ndiqhubele phambili ngaphezulu kwesiqhelo, malunga ne- $ 25 ngaphezulu kokufunekayo) . Okulandelayo, kwangaxeshanye ndonyusa ikhredithi yam ekhoyo kwisiqingatha seakhawunti yam yekhadi letyala ngokwamkela umgca wokunikezelwa kwetyala kwiakhawunti yam. Ngokuqinisekileyo ndingacebisa ukuba wonke umntu athathe umnikelo wakho ongekonyuswa wokunikezelwa kwetyala, ukuba ukhona, ulumke ngokwaneleyo ukuba ungayisebenzisi!
Kuyacetyiswa ukuba ufake isicelo sonyuso somgca wokuthenga ngetyala kube kanye kwiinyanga ezi-6 ukuya kwezi-12. Ngoba? Inceda kumyinge wokusetyenziswa kwekhredithi, okunceda amanqaku akho etyala. Umyinge wokusetyenziswa kwekhredithi sisixa semali osabelweyo lixabiso lilonke letyala olinikezelweyo. Ngena kwiakhawunti yakho yekhadi letyala kwi-intanethi ukubona ukuba ngaba kukho isicelo somda wokuthenga ngetyala esikulindileyo, okanye fowunela inombolo ngasemva kwekhadi lakho ukuze ufunde okungakumbi malunga nokhetho lwakho.
Iqondo lokusetyenziswa okucetywayo yi-30% okanye ngaphantsi kwiakhawunti nganye nganye kunye nazo zonke iiakhawunti zidityanisiwe.
Enye into ebalulekileyo enegalelo kwimbali yam egqibeleleyo yokuhlawula ngexesha. NgokweKhredithi yeKarma, ndinerekhodi eyi-100% yokuhlawulwa okungaguquguqukiyo kunye nexesha. Ndiyakwazi ukuba ndingaze ndiphoswe yintlawulo ngokugcina ikhalenda yam, endixelela xa onke amatyala am efanelekile. Ndide ndibeke izikhumbuzo kwiveki ngaphambi kokuba ndenze indawo yazo naziphi na iimpazamo.
Kungaluncedo ngakumbi ukucwangcisa ngokuzenzekelayo iintlawulo ekuqaleni kwenyanga kuzo zonke iiakhawunti zakho ezivumela olo khetho ukuze ungakhathazeki ngalo inyanga yonke. Ukuba umvuzo wakho uzinzile ngokwaneleyo kwaye iakhawunti yakho ayisokuze ijikeleze zero, ndingacebisa ukuba ucwangcise intlawulo yeebhanti ezenzekelayo yeentlawulo eziphindaphindeka zenyanga.
Ungawanyusa njani amanqaku akho etyala ali-100
Ukuphikisa ulwazi olubi kwingxelo yakho yamatyala
Ukuba amanqaku akho etyala alahle ngaphezulu kwamanqaku ali-100 ngenxa yokongezwa kweerekhodi ezithile ezingalunganga kwingxelo yakho yetyala, kuqikelelwa ukuba ukususa olo lwazi kunokubangela ukonyuka kwamanqaku angaphezu kwe-100. Iziko lamatyala liyakususa ulwazi oluphikisanayo olubonisa ukuba aluchanekanga okanye umboneleli wedatha akanakukuxhasa oko.
Lindela iirekhodi ezingalunganga ukuba zinyamalale kwingxelo yakho yekhredithi
Ulwazi kwiingxelo zakho zetyala aluhlali apho ngonaphakade. Iirekhodi ezingalunganga zindala kakhulu ukuba zingabandakanywa emva kweminyaka esi-7 ukuya kweli-10. Ke abantu ababetheke ngokurhabaxa ngexesha lokudodobala okukhulu, kodwa basebenzise ikhredithi ngokufanelekileyo ukusukela ngoko, babone ukuphucuka okukhulu kumanqaku abo etyala mva nje.
Fumana intlawulo emva kwexesha
Ukugcina iiakhawunti ezifanelekileyo zangaphambili zingadlulanga ngenxa, ukucima iiakhawunti zokuqokelela, kwaye kungenjalo ukubuyisela imali mboleko yakho kukuma okuhle kunokukhawuleza kuvelise inzuzo kumanqaku akho etyala. Kuyinyani ngakumbi xa ucinga kumonakalo wamanqaku owaphephayo.
Isibonelelo sotshintsho kwiimfuno zokunika ingxelo ngetyala
NgoJulayi ka-2017, utshintsho kwiimfuno zamaxwebhu ezona zikhulu zamatyala zibangele uninzi lweentlawulo zerhafu kunye nokugwetywa kwabemi kukhutshwa iingxelo zabathengi. Ngenxa yoko, umntu ophakathi ochaphazelekayo wabona amanqaku abo enyuka ngamanqaku ali-10 kuphela.
Kodwa i-0.7% yabantu abaqale ngamanqaku ayi-621-640 babone ukonyuka kwamanqaku ali-100 xa onke amalungelo kunye nezigwebo zisuswe kwiingxelo zabo zetyala, ngokweVantageScore. Kwakunjalo nge-0.2% yabantu abaqala ngamanqaku angama-641-660 kunye ne-0.1% yabantu abaqala ngamanqaku angama-541-560.
Nokuba amanqaku akho etyala anyuka ngamanqaku ayi-100 ubusuku bonke, awuyi kufumana okwethutyana uninzi lweendawo zokufumana amanqaku asimahla, ezihlaziywa qho ngeveki, ngenyanga, okanye ngekota.
Okwangoku, kubalulekile ukugxininisa ukuba inqanaba lokuthenga ngetyala eligqwesileyo ayisiyiyo imvakalelo yobusuku. Amanqaku okuthenga ngetyala avuza ukusebenza okungaguqukiyo kwixesha elide. Ke ukuhlawula amatyala akho ngexesha, ukugcina ukusetyenziswa kwekhredithi yakho kusezantsi, kunye nokulawula imali ngokufanelekileyo inyanga nenyanga yeyona ndlela ilungileyo yokwakha ikhredithi kunye nokugcina amanqaku aphezulu.
Kodwa kukho umhlaba ophakathi, ngethamsanqa. Amanqaku okuthenga ngetyala anyuka amaxesha ngamaxesha kuhambo lwakho oluthe chu. Ke ukuba ufuna elona tyala likho kwixa elizayo, kukho amanyathelo onokuwathatha ukwenza ukuba amanqaku akho abonakale kwiintsuku ezingama-30 okanye ngaphantsi.
Ngokukodwa, ukunciphisa ukusetyenziswa kwekhredithi yenye yeendlela ezilula zokuphucula amanqaku akho etyala kwinyanga enye. Ayizukukunika ukonyuka kwenqaku nge-100, kodwa iya kuvelisa iziphumo. Kwaye zintathu iindlela zokwenza. Ungachitha ngaphantsi kunendlela oqhele ukuchitha ngayo, wenze intlawulo ephezulu kunesiqhelo, okanye uhlawule ityala lakho rhoqo kunesiqhelo. Injongo kukunciphisa ibhalansi kwisitetimenti sakho senyanga, ke esi sicwangciso asizukukunceda de kube sekupheleni kwexesha lakho lokuhlawula.
Ngokubanzi, ukuhlawula ityala kuya kuhlala kukunceda amanqaku akho, kunye nobunzima bakho njengombolekayo. Kuya kufuneka uphephe ukufaka isicelo sekhredithi kwiinyanga ngaphambi kokuba ufune amanqaku akho etyala kwinto ebalulekileyo. Isicelo ngasinye siphumela kuphando olunzima, olunokuthabatha amanqaku kumanqaku akho kangangeenyanga ezintandathu.
Yintoni ethathwa njengamanqaku amahle etyala?
Ngokuka-Fair, u-Isaac kunye neNkampani (i-FICO), umdali wenqaku elinemivo emithathu elisetyenziselwa ukulinganisa umngcipheko kwityala lakho, kokukhona liphezulu inani, amanqaku akho etyala angcono. Amanqaku e-FICO asusela kuma-300 ukuya kuma-850. MyFICO.com uthi amanqaku amahle okuthenga ngetyala akwinqanaba lamanqaku angama-670-739.
Amanqaku akho etyala enziwe izinto ezintlanu ezahlukeneyo nefuthe kumanqaku akho ngendlela eyahlukileyo.
- 35% Imbali yokuhlawula: Le yirekhodi yentlawulo zakho kuzo zonke iiakhawunti ngexesha lembali yeakhawunti. Cinga ngale nto njengekhadi lengxelo lemali yakho.
- Iipesenti ezingama-30 zeemali ezityalwayo: Yile nto ichaza umlinganiselo wokusetyenziswa kwetyala lakho. Ukufumanisa inqanaba lokusetyenziswa kwakho, thatha isixa semali eseleyo kwiakhawunti nganye kwaye uyihlule ngokomyinge opheleleyo wekhredithi. Ke ikhadi lekhredithi elinelayini yeedola ezingama-5,000 ene- $ 3,000 kwikhredithi esetyenzisiweyo iya kuba ngama-60% okusebenzisa inqanaba letyala, akulunganga kangako.
- I-15% Ubude bembali yamatyala: Oku kuthathela ingqalelo inani leminyaka oboleke ngalo. Ixesha elide imbali yakho yamatyala eentlawulo ezilungileyo kunye nolawulo lweakhawunti olunoxanduva, kungcono.
- I-10% yomxube wekhredithi Ibandakanya zonke iintlobo zekhredithi, ezinje ngezavenge zemali mboleko, ii-akhawunti ezijikelezayo, iimali mboleko zabafundi, izinto ezibambisayo, njl.
- 10% ityala elitsha: Ngalo lonke ixesha usenza isicelo sekhadi elitsha letyala okanye imveliso yemali-mboleko, uphando luxelwa kwingxelo yakho yekhredithi.
Ndicinga ukuba amanqaku am etyala anyuke kakhulu kuba ukusetyenziswa kwekhredithi kunefuthe eliphezulu kakhulu kumanqaku ewonke etyala. Kwakhona, njengoko kuchaziwe apha ngasentla, ndinembali egqibeleleyo yokuhlawula, eyenza uninzi lwamanqaku am ewonke etyala.
Ukuqwalaselwa kwamanqaku okuthenga ngetyala
Ikhredithi yeKarma isebenzisa Inguqu kwaye I-Equifax yamanqaku akho etyala. Kuba zonke iimodeli zokulinganisa azifani, inqanaba lam linokuthi litshintshe ngeendlela ezahlukeneyo nelinye iofisi enkulu yamatyala, Amava . Ndicinga ukuba kubalulekile ukugxininisa ukuba unokwenza kanye le ndiyenzileyo, kodwa amanqaku akho anokungatshintshi ngendlela efanayo okwangoku. Amanqaku omntu wonke achaphazeleka ngeendlela ezahlukeneyo, nangona usenokuba wenza amanyathelo afanayo. Isandi sididekile? Sukuba nexhala, kunjalo. Nayi eminye imizekelo yendlela enokwenzeka ngayo le nto:
- Ukuba uJane unembali egqibeleleyo yokuhlawula, kodwa alibale ukuhlawula ityala lakhe lenyanga, amanqaku akhe akazukuchaphazeleka ngendlela efanayo noMegan, onoluhlu olude lokuhlawula kade kwingxelo yakhe. Ngapha koko, ngenxa yembali kaJane yokuhlawula ngokugqwesileyo, usenokukwazi ukufowunela umnikeli wekhadi lakho letyala kwaye uchaze okwenzekileyo ukubona ukuba ngaba abafuni kuxela intlawulo yasemva kwexesha kwii-credit bureaus. UMegan, kwelinye icala, ngekhe akwazi ukuyiphelisa nokuba angazama kangakanani na, xa enikwa iipateni zembali.
- Imibuzo yeHarsh ngetyala inokuchaphazela amanqaku akho etyala phakathi kwamanqaku ama-4 ukuya kwali-10 inye. Ukuba uJohn ugcwalisa isicelo, kodwa sisicelo sakhe sesithathu kwiintsuku ezingama-30, amanqaku akhe kunokwenzeka ukuba awise ngaphezulu kukaJeff's, ogqibe isicelo esinye kuphela kwiintsuku ezingama-30.
- Masithi uJason noBetsy bawonyuse umgca wabo wetyala nge-500 yeedola. Ibhalansi kaJason yayingu-zero, ke ngoku une- $ 1,000 yetyala elivuliweyo elingasetyenziswayo. Umgca wekhredithi kaBetsy ufike kwi-500 yeedola, ke ukunyusa umgca omtsha wekhredithi kumnika kuphela i-500 yeedola kwikhredithi ekhoyo. Ke ngoko, bobabini benze isenzo esinye kodwa baya kuba neziphumo ezahluke kakhulu.
Iziqulatho
- Indlela yokuPhucula amanqaku akho eMboleko ngokukhawuleza
- Ungawanyusa njani amanqaku akho etyala ali-100
- Ukuphikisa ulwazi olubi kwingxelo yakho yamatyala
- Lindela iirekhodi ezingalunganga ukuba zinyamalale kwingxelo yakho yekhredithi
- Fumana intlawulo emva kwexesha
- Isibonelelo sotshintsho kwiimfuno zokunika ingxelo ngetyala
- Yintoni ethathwa njengamanqaku amahle etyala?
- Ukuqwalaselwa kwamanqaku okuthenga ngetyala