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Lithetha ntoni inqaku elifanelekileyo leKhredithi?

Ibhalwe ngu umhleli

Wonke ummi wase-US oke wasebenzisa imali-mboleko wabelwa amanqaku yi-Fair Isaac Corporation, okanye i-FICO. Enye yeendidi kwisikali sayo yaziwa njenge "ngetyala elifanelekileyo". Ibandakanya uluhlu lwama-580-669. Ukuba ujonga ukonakala, uya kubona ukuba eli nqanaba lingaphantsi "kwityala elilungileyo". Ewe itotali elungileyo ayisiyona siphumo sihle. Kutheni abathengi beyifumana, kwaye ungalinyusa njani inqanaba labo?

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  1. Amanqaku akho sisalathiso esibalulekileyo. Isetyenziswa ziindidi ezahlukeneyo zamaziko ukuthelekisa abafaki zicelo ngokusekwe kumgangatho wokuthenga ngetyala.
  2. Unokuqiniseka ukuba inani lakho liqwalaselwe ngababolekisi, iinkampani zeinshurensi, abanini mhlaba kunye nabaqeshi.
  3. Ichaphazela amanqanaba amaninzi obomi, ke indawo ephezulu kwisikali seFICO ivula iingcango ezininzi. 

Asebenza njani amanqaku

NjengeVantageScore, indlela yokusebenza isekwe kwisikali ukusuka kuma-300 ukuya kuma-850. Oku kwahlulwe kwangamacandelo aliqela, "amahlwempu kakhulu" kunye "nobulungisa" ngaphambi "kokulungileyo", "okuhle kakhulu" kunye "nokungaqhelekanga". Amakhulu asibhozo anele ukufikelela kwiimeko ezifanelekileyo kunye neenkonzo. Uvavanyo lusekwe kwiingxelo eziqulunqwe zii-ofisi zikazwelonke.

Ngokwe-Experian bureau, malunga ne-17% yabemi base-US bangena kudidi. Aba bathengi kufuneka baphucule imeko yabo yokonga imali kwaye bathembeke ngakumbi emehlweni amaziko. Oku kunokufezekiswa ngokulungisa okanye ukwakha kwakhona amanqaku, kuxhomekeke kukuchaneka kweengxelo. 

Ukulungiswa kusekwe kwiimpikiswano ezisesikweni ukususa ulwazi olonakalisayo lobuxoki. Jonga okutsha credit ukulungisa.com uphononongo kwiTyala eliLungisiweyo ukuze ubone ukuba isebenza njani le nto. Ukwakha kwakhona kuthetha ukusebenza ngamacandelo ahlukeneyo ovavanyo lwe-FICO, njengobungakanani betyala lilonke. Isicwangciso sixhomekeke kwiinjongo- umzekelo, unokufuna ngaphezulu amanqaku etyala ukuthenga imoto

Abafaki zicelo abakudidi “olulungileyo” bajongwa njengarhanisayo. Inqanaba lichaphazela iimeko kunye nokufikeleleka kweenkonzo zamatyala, nokuba yimali mboleko yemoto, ubambiso okanye ikhadi letyala. Okusezantsi kwinqanaba lakho kulawulo oluphezulu-kokukhona inyusa izinga lenzala. Ukuba ufumana ukuvunywa, ukuboleka kubiza kakhulu kunaye umntu ovela phezulu. 

Izibonelelo zokufumana amanqaku angcono

Ukunyuka kwinkqubo kubalulekile kwikamva lakho lezemali. Uphuculo lunomdla kwizigidi zabantu. Nazi ezinye zezibonelelo.

  • Ixabiso lenzala kwiintlobo ezahlukeneyo zeenkonzo liya kuba sezantsi, oko kuthetha ukuba ukuboleka kuya kubiza ixabiso eliphantsi.
  • Ngamaxabiso aphantsi aza nentlawulo ephantsi. Ukuhlangabezana nezibophelelo inyanga nenyanga kuya kuba lula. 
  • Uya kuvula iimeko ezingcono kumakhadi, kubandakanya inzala, ukujongana kunye nembuyekezo.
  • Ukuqesha indawo yokuhlala okanye indlu kuya kuba lula, kuba abanini-mhlaba baya kukubona njengomntu onoxanduva lokuhlala.

Kutheni amanqaku ewa

Njengoko itotali isekwe kwingxelo, yintoni echaphazela kanye? Indlela ye-FICO ithathela ingqalelo imiba emihlanu yokuziphatha kwakho kokuboleka. Ngamnye wabo unefuthe elithile kwisimo sakho. Nalu ulwahlulo:

  • iintlawulo zangaphambili (35%);
  • isixa semali esityalwayo (30%);
  • ubudala beerekhodi (15%);
  • iiakhawunti ezintsha (10%);
  • Umxube wekhredithi (10%).

Qaphela ukuba iindlela zovavanyo ezahlukeneyo zixhomekeke kumacandelo ahlukeneyo, nangona i-FICO kunye neVantageScore ziyafana. Ngokuqhelekileyo, iitotali ezingalunganga zijongwa njengesiphumo sohlahlo lwabiwo-mali olubi. Umzekelo:

  • Usenokuba uye waphoswa ziintlawulo kwixa elidlulileyo. Olu lolona hlobo lubi lolwazi, njengoko ichaza eyona chunk inkulu yamanqaku. Njengomthetho, ababolekisi bafaka ingxelo yokuhlawula kade kwiintsuku ezingama-30 emva komhla omiselweyo. 
  • Ekugqibeleni, ukusilela ukuhlawula iziphumo kwingqokelela, ukungagqibeki, ukungabinamali, kunye nezigwebo zaseburhulumenteni, ezingcolisa inani eliyiminyaka esixhenxe (Isahluko 7 sokubhengezwa sokungabinamali kuhlala iminyaka eli-7).
  • Usenokuba usebenzise kakhulu imida yakho. Ukuphakamisa amakhadi etyala ngumbono owoyikisayo, njengoko kuzisa umlinganiso wokusetyenziswa ukuya kwi-100%. Ngeli xesha, iingcali zicebisa ukuba ungasebenzisi ngaphezulu kwe-10% yemida yakho iyonke.
  • Ukuba unamava amancinci ngetyala, imbali yakho imfutshane kakhulu.
  • Ababoleki abasebenzisa inye kuphela okanye zimbini iintlobo zeenkonzo abanomxube oxineneyo wetyala. Le nto, ejongene ne-10% yesiphumo, ibonakalisa amandla akho okulawula iintlobo ezahlukeneyo zezibophelelo.
  • Usenokuba ufumene ityala elininzi.
  • Usenokuba ungenise izicelo ezininzi kakhulu ngexeshana elifutshane. Umgangatho wokuthenga uvumelekile, kodwa ukucela iintlobo ezahlukeneyo zokubolekisa kunesiphumo esibi, kuba kukwenza ubonakale njengomntu onqwenela imali.

Ndingawaphucula njani amanqaku am eMboleko?

Ukuba amanqaku akho awile ngokungalunganga, lungisa iimpazamo zokuxela ngokwakho okanye uqeshe iingcali. Ukulungiswa kusekwe kwimigqaliselo yoMthetho weNgxelo eyiNtengo yeTyala, enyanzelisa amaziko aseburhulumenteni ukuba asuse naluphi na ulwazi abangenakuqinisekisa ngalo. Ukuvula impikiswano, kufuneka ufumane ubungqina kwaye wenze iikopi zamaxwebhu ukuxhasa ibango lakho. A template iyafumaneka kwiwebhusayithi yeZiko eliKhusela iMali yaBathengi. 

Ngenye indlela, khangela inkampani yokulungisa kwimeko yakho. Iingcali ziya kufumana ukungangqinelani kwiirekhodi zakho, zilungiselele ubungqina kwaye ziphikisane ngokusesikweni egameni lakho. Oku konga ixesha, njengoko kungafuneki ukuba uhambe ngemithetho okanye ujongane nembalelwano esemthethweni. Yonke ileta yengxabano iqala ngophando lwangaphakathi oluhlala iintsuku ezingama-30. Ukuba i-bureau iyalwamkela olo tshintsho, uyakufumana ikopi yengxelo ehlaziyiweyo ngaphandle kwentlawulo.

Xa amanqaku afanelekileyo echanekileyo, akukho nto inokuyilungisa. Endaweni yokuba ujonge iipateni zakho zokuboleka ukuze ubone ukuba zeziphi izinto ze-FICO ezirhuqa iitotali. Umzekelo, unokufuna ukuthoba ukusetyenziswa ngokubhatala iibhalansi, ukwandisa imida, ukufumana ikhadi elitsha, okanye ukuba ube ngumsebenzisi ogunyazisiweyo. Ngokuthe ngcembe, inqanaba lakho liya kuphucuka, livule iimeko ezingcono zeentlobo ezahlukeneyo zeenkonzo.

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Umhleli oyintloko nguLinda Hohnholz.

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