Ungalinyusa njani inqaku lakho letyala ngokukhawuleza? Ngokuqinisekileyo sele usazi ukuba amanqaku akho etyala anokuchaphazela ubomi bakho ngeendlela ezininzi.
Ngelixa amanqaku amahle okuthenga ngetyala anokukunceda ukuba ufanelekele ukufumana inzala esezantsi kumakhadi akho etyala, ukubambisa ngemali mboleko, iimali mboleko zabucala zabucala, kunye nemali mboleko yemoto (phakathi kwezinye izibonelelo), amanqaku amatyala amabi ahlala eguqulela kumanqanaba asezantsi, inzala ephezulu kunye namatyala abiza kakhulu.
Ukuba unamanqaku asezantsi etyala, unokuzibuza ukuba ikhona indlela yokunyusa amanqaku akho ngokukhawuleza. Ngelixa kungelulanga, kunokwenzeka ukuba uliphucule ngokukhawuleza inqaku lakho letyala kwiinyanga nje ezimbalwa.
Apha ngezantsi, sivavanya ukuba yintoni na ityala, zeziphi izinto ezichaphazela amanqaku akho, kwaye uchaze amanyathelo onokuwathatha ukulungisa amanqaku akho etyala ngokukhawuleza.
Athini amanqaku ngamatyala?
Amanqaku akho etyala linani elinemivo emithathu abathi ababolekisi basebenzise umngcipheko wakho njengombolekayo.
Kulungile okanye akunjalo, amanqaku akho etyala ahlala ethathelwa ingqalelo njengoyimeleyo kwimpilo yakho yezemali. Okukhona unyusa amanqaku akho etyala, kokukhona uthatha umngcipheko omncinci wokuzijonga ukuba ungoyena kwaye kunokwenzeka ukuba uvunyelwe kwimali mboleko okanye uhlawuliswe inzala esezantsi. Umgangatho ophantsi wenqaku lakho letyala, unobungozi obunobungozi kwaye amathuba okuba ungavunywa kwimali mboleko. Kwimali-mboleko ovunyiweyo kuyo, unokulindela ukuhlawula inzala ephezulu xa kuthelekiswa nezo zinamanqaku aphezulu etyala.
Nganye yala maziko mathathu aphambili okuthenga ngetyala ( Amava , Inguqu kwaye I-Equifax Isebenzisa ifomula yayo yokubala ukubala amanqaku omntu ngamnye, kodwa ezinye zezona zinto zibalulekileyo zibandakanya:
Imbali yentlawulo
Imbali yakho yokuhlawula amatyala akho ngexesha -Imbali yakho yokuhlawula iakhawunti malunga neepesenti ezingama-35 zamanqaku akho onke etyala, okwenza ukuba ibe yenye yezona zinto zibalulekileyo.
Iqondo lokusetyenziswa kwetyala
Oku kubhekisa kwinani lekhredithi ekhoyo olisebenzisileyo, kwaye limele iipesenti ezingama-30 zamanqaku akho. Amaziko agcina imali ngetyala athathela ingqalelo iqondo lokusetyenziswa kwakho lilonke, kunye neqondo lokusetyenziswa kwamakhadi etyala umntu ngamnye.
imbali yekhredithi
Umyinge weminyaka yazo zonke iiakhawunti kwingxelo yakho yetyala, oku kubonisa iipesenti ezili-15 zamanqaku akho etyala.
Umxube wekhredithi
Umxube othile weentlobo zamatyala onawo (isavenge semali mboleko enje ngemali mboleko yomfundi nxamnye nokujikeleza ngetyala njengamakhadi etyala) ii-akhawunti zepesenti ezili-10 zamanqaku akho.
Izicelo ezitsha zetyala
Inyaniso yokuba usanda kufaka isicelo somgca wekhredithi (okanye imigca emininzi yekhredithi) ngexesha elifutshane libonisa iipesenti ezili-10 zokugqibela zekhredithi zakho.
Yintoni enokubangela ukuba amanqaku akho etyala ehle?
Zininzi izinto ezinokubangela ukuba amanqaku akho etyala ehle. Ukuba ufumene uluvo lokuba amanqaku akho etyala alungile kwaye emva koko uwujongile kwaye ubone ukuba asezantsi kunokuba bekulindelwe, jonga oku kulandelayo:
- Uphose intlawulo okanye wahlawula ityala emva kwexesha.
- Wenze ukuthenga okukhulu ngekhadi lakho lekhredithi, ukwandisa izinga lokusetyenziswa kwakho.
- Ukhe waphulukana nobhengezo, ukubhengezwa, okanye ubugwenxa kwelinye lamatyala akho.
- Uvale iakhawunti yekhadi letyala.
- Kutshanje ufake isicelo semigca emitsha yekhredithi.
Iindlela ezi-7 zokunyusa amanqaku akho etyala ngokukhawuleza
Njengoko bekutshiwo ngaphambili, amanqaku amatyala amabi anokuba neziphumo ezibi kwimpilo-ntle yakho. Umnqweno wokuthintela iziphumo ezinjalo zihlala zizizathu ezaneleyo zokuba umntu asebenze ukuphucula nokulungisa amanqaku abo.
Nangona kunjalo, kukho izizathu ezininzi zokuba kutheni umntu enokufuna ukunyusa amanqaku abo ngetyala ngokukhawuleza. Ngelixa ingeluluhlu olupheleleyo, ezinye zezo zizathu zinokubandakanya:
- Umalunga nokufaka isicelo semboleko-mboleko, imali mboleko yemoto, ikhadi letyala, okanye omnye umgca wekhredithi. Kwaye ufuna a.) Yandisa amathuba akho okuvunywa, kwaye b.) Ukulungela amaqondo enzala asezantsi.
- Ufuna ukuphinda uhlaziye imali mboleko ekhoyo, imali mboleko yomfundi, okanye olunye uhlobo lwetyala. Kwaye ufuna ukuphucula amanqaku akho ukuze ube nakho ukufumana inqanaba elitsha lenzala.
- Sele ufake isicelo kwaye walelwa umgca wekhredithi . Kwaye ufuna ukuphucula amanqaku akho ngetyala ukwandisa amathuba akho okuvunywa kwikamva.
- Ufuna nje ukukhuthazwa kwengqondo. Oko kunokuza ngokukhulisa amanqaku akho etyala ukusuka kwi-Poor ukuya kwi-Fair ukuya kwi-Good okanye ngaphezulu.
Ungalonyusa njani inqaku lakho letyala ngokukhawuleza
Eyona ndlela iqinisekileyo yokuphucula amanqaku akho ngetyala kukusebenzisa ityala ngokufanelekileyo nangokulawula amatyala kunye nezibophelelo zakho ngokufanelekileyo kwixesha elide. Ngokuthatha amanyathelo ngokungaze ukhuphe amakhadi akho etyala, yenza iintlawulo zakho ngexesha nganye Kanye kunye nokugcina iiakhawunti zakho ezindala kunye nemigca yetyala, uya kuthoba kancinci kodwa ngokuqinisekileyo uphucule amanqaku akho etyala ngaphezulu kweenyanga kunye neminyaka.
Ngale nto ithethwayo, ukuba unomhla obekiweyo ozama ukuhlangana nawo kwaye ufuna ukuphakamisa amanqaku akho ngokukhawuleza, kukho amanyathelo ambalwa onokuwathatha ukuze ukufezekise.
1. Khangela iimpazamo kwikhredithi yakho
Ukuba ufuna ukuphucula amanqaku akho etyala, kulungile ukuqala ngokuqonda ukuba zeziphi iingxelo zakho zetyala.
Ngokomthetho, unelungelo lokufumana ingxelo yasimahla kwityala ngalinye lamaziko amathathu amakhulu okuthenga ngetyala kube kanye kwiinyanga ezili-12. (Ungacela iingxelo zakho zamatyala zasimahla kwi- NgonyakaI-reditalReport.com , ukongeza kwiindawo zokubonisana ezinje ItyalaKarma kwaye Ityala ). Kuba ulwazi olufunyenwe kwezi ngxelo zinokwahluka, kusengqiqweni ukucela ingxelo kuye ngamnye wabo, hayi enye nje.
Ukuba uqaphela naziphi na iimpazamo kwiingxelo zakho ngelixa uzijonga, unga ukuphikisana nabo kwaye ucele ukuba iimpazamo zisuswe kwingxelo yakho. Ngenxa yokuba amaziko agcina inkcazelo ngeentengo zemboleko kufuneka aphendule nakweyiphi na imbambano kwithuba leentsuku ezingama-30, iimpembelelo ezilungileyo zokusombulula naziphi na iimpazamo zinokuvakala ngokukhawuleza. Ngoku ka IKhomishini yoRhwebo ye-Federal (FTC) , yabo isifinyezo ngesiNgesi) Malunga nomthengi omnye kwabalishumi abalungise impazamo kwingxelo yabo yamatyala babona uhlobo oluthile lotshintsho kumanqaku abo etyala, kwaye ipesenti encinci yabona utshintsho kumanqaku angaphezu kwe-100.
Emva kokusombulula naziphi na iimpazamo kwiingxelo zakho zekhredithi, qiniseka ukujonga ingxelo nganye ngonyaka ukuchonga nokukhusela ezinye iimpazamo kwixa elizayo. Ziqhele kangakanani iimpazamo zeNgxelo yeTyala? Ingxelo efanayo ye-FTC iqikelela ukuba ukuya kuthi ga kwiipesenti ezintlanu zazo zonke iingxelo zamatyala ezineempazamo ezinzulu ngokwaneleyo ukuba zinokubangela owona monakalo ngokwasemalini.
2. Fumana (kwaye uhlale) ngokusesikweni kwiintlawulo
Imbali yakho yokuhlawula ibonisa ipesenti ephezulu yamanqaku akho etyala kunayo nayiphi na enye into. Intlawulo ephosiweyo ihlala ihlala kwingxelo yakho yetyala kangangeminyaka esixhenxe, oko kuthetha ukuba banokuba nefuthe elihlala lihleli kumanqaku akho etyala. Kungenxa yoko le nto kubaluleke kakhulu ukuba uhlale ngaphezulu kweentlawulo zakho kwaye ungaphoswa yintlawulo okanye uhlawule kade.
Ukuba ufumanisa ukuba uphose intlawulo, kunokubakho amanyathelo onokuwathatha ukunciphisa (kwaye mhlawumbi ukubuyisela umva) umonakalo, ngakumbi ukuba intlawulo ephosiweyo ingaphantsi kweentsuku ezingama-30 ubudala. Tsalela umnxeba wakho ngqo kwaye ulungiselele ukwenza intlawulo. Ukuba sele bexeliwe ngobugwenxa bakho, ngelixa usefowunini kunye nabo, kuya kufuneka ubuze ukuba bayayirhoxisa na. Ngelixa abanye ababolekisi bengazukuzirhoxisa iingxelo zobugwenxa xa sele zenziwe, ezinye ziya kuthi, ngakumbi ukuba leli lityala lakho lokuqala okanye ukuba unembali ebonakalayo nenkampani.
Ukubhalisela ukuhlawula ngokuzenzekelayo xa kunokwenzeka (imali mboleko, imali mboleko yomfundi, izinto eziluncedo) inokukunceda uphephe ukuqhubeka nomonakalo kumanqaku akho ukusuka kwintlawulo yasemva kwexesha okanye emva kwexesha, nangona isenzo ngokwaso singazukuchaphazela amanqaku akho ngokuthe ngqo.
3. Hlawula iibhalansi zakho zekhadi letyala
Njengoko kuphawuliwe apha ngasentla, ukusetyenziswa kwekhredithi yakho, ukusetyenziswa okupheleleyo kunye nokusetyenziswa kwekhadi ukuya ekhadini, yenye into ebaluleke kakhulu echaphazela amanqaku akho ekhredithi. Ngokubanzi, kuyacetyiswa ukuba uzame ukugcina ukusebenzisa kwakho ityala kwiipesenti ezingama-30 okanye ngaphantsi ukunqanda iziphumo ezingalunganga kumanqaku akho etyala, kwaye soze Kuya kufuneka wandise ikhadi.
Ukuba unenqanaba lokusetyenziswa kwekhredithi ephezulu, kuyahlawula ukuseka isicwangciso sokuhlawula ngaphezulu kwiibhalansi zakho. Ukuba unayo imali eyongezelelweyo kuhlahlo-lwabiwo mali, ukuyisebenzisa ukuhlawula ibhalansi yekhadi lakho letyala kunokuba yindlela esebenzayo yokuphucula amanqaku akho. Kwaye uya kuziva ngathi iziphumo ngokukhawuleza, kuba uninzi lwabanikezeli ngetyala baxela amaziko enkonzo yetyala rhoqo ngenyanga. Okukhona unokunciphisa ukusetyenziswa kwekhredithi yakho, kokukhona kuya kuba nefuthe elikhulu kuwe.
Ukuba unamakhadi etyala amaninzi, qala ngokuhlawula ibhalansi ekhadini kunye nelona zinga liphezulu lokusetyenziswa (Oko kukuthi, ikhadi elikufutshane ukufikelela kumda wakho wekhredithi).
Nje ukuba uhlawule ibhalansi yakho, zama ukungavali iiakhawunti zakho ezindala ngaphandle kokuba kunyanzelekile, kuba ukuvala iiakhawunti ezindala (ngakumbi iiakhawunti ezimi ixesha elide kunye nokuhlawulwa kwangexesha ngokungaguqukiyo) kunokuchaphazela kakubi amanqaku akho etyala ngokunciphisa umlando wakho wekhredithi. .
4. Cinga ngokudityaniswa kwamatyala
Enye indlela onokuthi ulinciphise izinga lokusetyenziswa kwetyala lakho kukudibanisa ityala lakho lekhadi letyala kunye nemali mboleko yakho.
Oku kunokunceda amanqaku akho ngeendlela ezimbini. Kuqala, iyakuguqula ityala lakho elijikelezayo (Oko kukuthi, ityala lakho lekhadi letyala) libe yityala lesavenge, eliya kuthi liboniswe ngokuqinisekileyo liziko lamatyala. Okwesibini, kuya kunciphisa ukusebenzisa kwakho ityala kumakhadi akho etyala. Kwaye, njengebhonasi, uninzi lweemali-mboleko zakho zinexabiso eliphantsi kakhulu xa kuthelekiswa namakhadi etyala, anokukunceda uhlawule ityala lakho ngokulula nangokukhawuleza ekuhambeni kwexesha.
5. Yonyuse umda kumatyala akho
Ukuba awukwazi ukuhlawula ibhalansi yakho yekhadi letyala kwaye awufuni mali-mboleko yakho, kukho indlela yesithathu yokwehlisa ukusetyenziswa kwekhredithi yakho: cela ukonyuswa komda wetyala.
Kuba oku kuyonyusa inani lekhredithi onalo ngelixa ugcina ibhalansi yakho ngokufanayo, ukusetyenziswa kwetyala lakho kuya kuncipha kwangoko ukuba awusayi kuhlawulisa ikhadi lakho kwakhona. Konke okufuneka ukwenze kukutsalela umnikezeli wekhadi lakho letyala kwaye ubuze ukuba kunokwenzeka na ukwandisa umda wakho. (Unokucela ukonyuswa komda kwi-intanethi ngokusebenzisa i-portal yomboleki wakho.)
Inani lokunyuswa komda wetyala liya kuchaphazela amanqaku akho etyala aya kuxhomekeka kwinani lezinto, kubandakanya ubungakanani bokunyuka kunye nenani letyala osele unalo ekhadini lakho. Njengokuba:
- Ukuba okwangoku unamakhadi etyala ane- $ 250 umda wetyala kwaye unemali eseleyo ye- $ 150, ke unexabiso lokusebenzisa ngetyala elingama-60%. Ukuba inkampani yakho yekhadi letyala inyusa umda wakho ngetyala ngama- $ 250, umda wakho omtsha wekhredithi ungaba ngama- $ 500. Oku kunganciphisa ukusebenzisa kwakho ityala ngeepesenti ezingama-30.
- Kwelinye icala, ukuba okwangoku unamakhadi etyala ane- $ 10,000 umda wetyala kwaye unemali eseleyo ye- $ 7,000, ke uneepesenti ezingama-70 zenqanaba lokusetyenziswa kwetyala. Ukuba inkampani yakho yekhadi letyala inyusa umda wekhredithi yakho nge- $ 2,500, umda wakho omtsha wekhredithi uya kuba yi- $ 12,500. Oku kungathoba iqondo lokusetyenziswa kwakho ukuya kwiipesenti ezingama-56, ezingcono kunokuba zazinjalo, kodwa zisephezulu kunelona liphezulu licetyiswayo lama-30 epesenti.
6. Fumana ikhredithi kwiintlawulo zombane
Kwasekuqaleni kwe-2019, i-Experian yaqalisa umnikelo omtsha obizwa ngokuba Amava okomeleza , yenzelwe ukubonelela abantu abanomdla ngendlela yokunika amanqaku abo etyala ngokukhawuleza okukhawulezayo.
Le yindlela asebenza ngayo amava: umntu kufuneka akhethe ukuthatha inxaxheba kule nkqubo, apho kuya kufuneka ukuba adibanise ulwazi lwabo lokujonga iifayile zabo. Oku kuyakuvumela amava ukuba ajonge emva kwiinyanga ezingama-24 ukwenza irekhodi lokuhlawulwa kwezinto eziluncedo. (Ngokucacileyo, oku kusebenza kuphela xa usenza iintlawulo zakho zoncedo ngeakhawunti yakho yokujonga.) Sebenzisa le datha, i-Experian iya kunika amanqaku akho etyala ukuba anyuse. Ngokubanzi, amava okuhlawula ngakumbi anokufumana ngembali yakho yebhanki, kokukhona uya kukhula ngakumbi.
Amava okonyusa angaluncedo ngakumbi kwabo banembali encinci okanye abanalo kwaphela, okanye abo bakufutshane ukuba kwinqanaba eliphezulu letyala. Unokulindela ukubona amanqaku akho amatsha kwangoko emva kokuba uhlalutyo lugqityiwe.
7. Yiba ngumsebenzisi ogunyazisiweyo kwiiakhawunti zomnye umntu
A umsebenzisi ogunyazisiweyo ligama elibhekisa kumntu onikwe imvume yokusebenzisa ikhadi lamatyala lomnye umntu. Abantu abadala abancinci, umzekelo, bahlala bongezwa njengabasebenzisi abagunyazisiweyo kumakhadi etyala abazali babo ukubanceda bakhe ikhredithi.
Ngaba uyamazi umntu onamanqaku okuthenga ngetyala, ixabiso lokusetyenziswa kwetyala elisezantsi, kwaye ngubani okuthembileyo ngokwaneleyo ukuba angakongeza njengomsebenzisi ogunyazisiweyo kwiiakhawunti zabo? Ukuba kunjalo, ukuba ngumsebenzisi ogunyazisiweyo kuloo akhawunti kunokuba yenye indlela elungileyo yokwandisa amanqaku akho etyala ngokukhawuleza. Kungenxa yokuba zonke iimpawu zekhredithi ezilungileyo zomnye umntu, ngakumbi inqanaba lokusetyenziswa kunye nembali yentlawulo, ziya kongezwa kwingxelo yakho yekhredithi, apho inokukunceda ukuthobe kuwo onke amaqondo okusebenzisa kwakho ityala.
Ngelishwa, kukho iingozi ezichaphazelekayo ekubeni ngumsebenzisi ogunyazisiweyo kwiakhawunti yomnye umntu. Ukuba loo mntu ukhe waphoswa yintlawulo okanye wandise ukusebenzisa kwakho ityala (kwaye ke ukusebenzisa kwakho ityala), iziphumo ezibi ziya kudlulela nakuwe. Kungenxa yoko le nto kubaluleke kakhulu ukuba uqwalasele okuhle kunye nokubi ngaphambi kokudibanisa amanqaku akho etyala komnye umntu.
Eli nqaku lihanjiselwe iinjongo zemfundo kuphela kwaye akufuneki lithathwe njengengcebiso ethile yotyalo-mali, iqhinga okanye imveliso yotyalo-mali. Ulwazi oluqulethwe kolu xwebhu lufunyenwe kwimithombo ekukholeleka ukuba inokuthenjwa, kodwa ayiqinisekiswanga.
Iziqulatho
- Athini amanqaku ngamatyala?
- Imbali yentlawulo
- Iqondo lokusetyenziswa kwetyala
- imbali yekhredithi
- Umxube wekhredithi
- Izicelo ezitsha zetyala
- Yintoni enokubangela ukuba amanqaku akho etyala ehle?
- Iindlela ezi-7 zokunyusa amanqaku akho etyala ngokukhawuleza
- Ungalonyusa njani inqaku lakho letyala ngokukhawuleza
- 1. Khangela iimpazamo kwikhredithi yakho
- 2. Fumana (kwaye uhlale) ngokusesikweni kwiintlawulo
- 3. Hlawula iibhalansi zakho zekhadi letyala
- 4. Cinga ngokudityaniswa kwamatyala
- 5. Yonyuse umda kumatyala akho
- 6. Fumana ikhredithi kwiintlawulo zombane
- 7. Yiba ngumsebenzisi ogunyazisiweyo kwiiakhawunti zomnye umntu