Ungasihlola Kanjani Isikweletu Sami Mahhala. Ungahlola amaphuzu akho esikweletu mahhala ngaphansi kwemizuzu emibili. Unelungelo lokuthola a ikhophi yamahhala yombiko wakho wesikweletu njalo ezinyangeni eziyi-12 kusuka enkampanini ngayinye yezinkampani ezintathu ezibika ngesikweletu ezweni lonke. Oda online ku lvsangami.co.uk , Iwebhusayithi egunyaziwe ukuthola imibiko ye- isikweletu samahhala , noma ushayele 1-877-322-8228 . Uzodinga ukuhlinzeka ngegama lakho, ikheli, inombolo yokuphepha komphakathi, kanye nosuku lokuzalwa ukuze uqinisekise ubuwena.
Ngenhlanhla, manje sekulula kakhulu kunangaphambili ukubona amaphuzu akho esikweletu ngaphandle kokukhokhela insizakalo. Kusuka kumawebhusayithi wamahhala wesikweletu kuya ezinkampanini zamakhadi esikweletu ezihlinzeka ngezibuyekezo zamahhala zanyanga zonke zezikweletu, kunezindawo eziningi zokubheka amaphuzu akho esikweletu kulezi zinsuku. Ngakho-ke inkinga akuyona ukuthi ungayihlola kanjani imiphumela yakho yesikweletu, kepha ukuthi ungayihlola kuphi nokuthi ubuka imininingwane yakamuva. Ezinye izikolo zesikweletu samahhala zibuyekezwa kaningi kakhulu kunezinye, futhi izinsizakalo ohlangana nazo nezikolo zamahhala nazo ziyahlukahluka.
Nakhu lapho ungabheka khona amaphuzu wakho wesikweletu mahhala:
| Umhlinzeki wamaphuzu esikweletu | izindleko | Izikolo ezibuyekeziwe ... | Umbiko wesikweletu samahhala? | Ukuqapha isikweletu okungu-24/7 | Isilinganiso Somsebenzisi se-WalletHub |
|---|---|---|---|---|---|
| I-WalletHub | Mahhala | Nsuku zonke | Yebo | Yebo | Izinkanyezi ezingu-4.8 |
| Isikweletu Sesa Mina | Mahhala | Nyanga zonke | Cha | Yebo | 3.6 izinkanyezi |
| Inhlokodolobha Yokuqala | Mahhala | Masonto onke | Cha | Yebo | Izinkanyezi ezingu-3.7 |
| Isikweletu seKarma | Mahhala | Masonto onke | Yebo | Yebo | Izinkanyezi ezingu-4.2 |
| Thola | Mahhala | Nyanga zonke | Cha | Cha | 4.0 izinkanyezi |
| Njengoba | Mahhala | Njalo ezinyangeni ezintathu | Cha | Yebo | Izinkanyezi ezingu-4.3 |
| Okuhlangenwe nakho | $ 24.99 / ngenyanga | Nsuku zonke | Yebo | Yebo | 2.5 izinkanyezi |
| I-Equifax | $ 19.95 / ngenyanga | Nsuku zonke | Yebo | Yebo | 4.0 izinkanyezi |
| I-TransUnion | $ 24.95 | Nsuku zonke | Yebo | Yebo | Izinkanyezi ezingu-3.0 |
| MyFICO.com | $ 19.95 / ngenyanga | Nyanga zonke | Yebo | Yebo | 4.0 izinkanyezi |
Qaphela: abanye abahlinzeki ngezinsizakalo ezikhokhelwayo banikela ngezilingo zamahhala. Ukuze kube lula, asilufaki lolo lwazi etafuleni elingenhla.
Kungani Kufanele Uhlole Isikweletu Sakho
Kuhle ngaso sonke isikhathi ukudlula izinzuzo zokubheka amaphuzu akho esikweletu. Ngamafuphi, ukubheka isikweletu sakho kubalulekile ngoba:
- Ikunikeza umbono omuhle wokuqina kwezezimali ngokunikeza amaphuzu ezinombolo zokuqukethwe kwemibiko yakho yesikweletu;
- Ikusiza ukuthi uthole imigomo emihle kakhulu yekhadi lesikweletu kanye nemalimboleko futhi inciphise amathuba okwaliwa;
- Kwenza kube lula ukuqhathanisa imikhiqizo yezezimali, njengoba okunikezwayo okuningi kuklelisa izinga eliphansi lesikweletu (ngokwesibonelo, Okuhle, Okuhle, Okubi) okudingekayo ukuze ufaneleke; futhi
- Ikutshela ukuthi uyibukeza eduze kangakanani imibiko yakho yesikweletu. Amaphuzu aphansi kakhulu kunalokho ongakulindela ifulegi elibomvu elisobala, mhlawumbe okukhombisa ukukhwabanisa okungenzeka.
- Akunamthelela esikolweni sakho sesikweletu. Ukuhlola amaphuzu akho esikweletu kudala ukubuza okushelelayo, okungathinti amaphuzu akho esikweletu, ngakho-ke unga (futhi kufanele) uhlole isikolo sakho njalo ngendlela othanda ngayo.
Ekugcineni, kubalulekile ukukhumbula ukuthi cishe wonke umuntu unendawo yokuthuthukisa amaphuzu akhe esikweletu. Futhi isilinganiso esingcono sesikweletu singabiza izinkulungwane zamaRandi ngonyaka. Futhi, ukunakekela isikolo sakho akudingeki kukubize ipeni noma isikhathi esiningi. Ngakho-ke, hlola amathiphu wethu awusizo wokuthuthukisa isikweletu ukuze uqalise. Futhi uma ufuna iseluleko esenzelwe isimo sakho esithile, bhalisela i-akhawunti yamahhala ye-WalletHub ukuze uthole ukuhlaziywa kwakho kwesikweletu okwenzelwe wena. Lesi esinye nje isizathu sokuthi kungani kufanele uhlole amaphuzu akho esikweletu ku-WalletHub.
Yimaphi amaphuzu wesikweletu okufanele uwahlole?
Iningi labantu alazi, kepha ngamunye wethu unezikolo eziningi ezahlukene zesikweletu - ezingaphezu kuka-1 000, ngokulinganisela okuthile. Kepha iqiniso ukuthi, akunandaba ukuthi uhlola muphi, inqobo nje uma kumahhala futhi kumthombo othembekile.
Kunezizathu ezimbalwa ezibalulekile zalokhu:
- Imiphumela efanayo : I-Consumer Financial Protection Bureau ithole i- Ukuhlangana okungu-90% kusuka ekukhetheni kwamamodeli wokuthola izikweletu ajwayelekile kakhulu. Ngakho-ke uma uthola izikolo zesikweletu kusuka kubahlinzeki ababili abahlukene, izinombolo kungenzeka zisondele kakhulu, uma zingafani. Ngaphezu komehluko phakathi kwamamodeli wokulinganisa, izikolo zesikweletu zingahluka ngoba akubona bonke ababolekisi ababika kumahhovisi amathathu amakhulu esikweletu.
- Kunzima ukuthola amaphuzu ngqo kumbolekisi - Imvamisa akunakwenzeka ukubikezela kahle ukuthi hlobo luni lwamaphuzu esikweletu alusebenzisayo umbolekisi, ikakhulukazi njengoba ababolekisi abaningi benza ngezifiso amamodeli wokuthola izikweletu ze-OTC ukuhlangabezana nezidingo zabo ezithile. Futhi uma ungeke ukwazi ukuthola uhlobo oluthile lwamanothi umbolekisi wakho azokukhetha ukuhlola uhlelo lwakho lokusebenza, asikho ngempela isizathu sokukhetha.
Ungafunda kabanzi ngokuhlukahluka kwezikolo namamodeli endatshaneni yethu yokuthi kungani kungekho amaphuzu wesikweletu sangempela. Ngokwalokho okukufaneleyo, amaphuzu wesikweletu samahhala weWalletHub asuselwa kumodeli yeVantageScore 3.0. IVantageScore 3.0 ingenye yezinhlobo ezaziwa kakhulu zamaphuzu esikweletu phakathi kwababolekisi, kanti abanye bakubheka njengamaphuzu esikweletu ukubikezela okuningi iyatholakala.
Kusho ukuthini amaphuzu esikweletu?
Amaphuzu esikweletu akhombisa izinombolo zomlando wakho wesikweletu. Siqukethe izingxenye ezinhlanu eziye zahambisana nezisindo:
- Umlando wokukhokha: 35%
- Inani elikweletwayo: 30%
- Ubude bomlando wesikweletu: 15%
- Zingaki izinhlobo zezikweletu ezisetshenziswayo: 10%
- Imibuzo ye-akhawunti: 10%
Ababolekisi basebenzisa amaphuzu akho esikweletu ukuhlola ubungozi bakho besikweletu; Ngokuvamile, ukukhuphuka kwesikweletu sakho, kwehlisa ingozi kumbolekisi.
Kuwukuhlakanipha ukucela umbiko wesikweletu kunkampani ngayinye kwezintathu ezibika ngesikweletu bese uzibuyekeza ngokucophelela, ngoba ngayinye ingaqukatha imininingwane engahambelani noma okungalungile. Uma uthola iphutha, cela ifomu lokuphikisana kwi-ejensi zingakapheli izinsuku ezingama-30 uthole umbiko wakho.
Isibopho siyisihluthulelo
Ngaphezu kwakho konke, kubalulekile ukusebenzisa isikweletu ngokuzibophezela. Umlando omuhle wesikweletu kanye nesilinganiso esihle sesikweletu kungaba umehluko phakathi kokukwazi ukuthenga ikhaya, ukuthenga imoto, noma ukukhokhela ikolishi. Ukuphatha kahle umbiko wakho wesikweletu kuyindlela enhle yokuhlala uphethe ezezimali zakho futhi ekugcineni ufeze izinhloso zakho.
Buza Ochwepheshe: Amathiphu Wokuhlola Isikweletu
Ukuhlola amaphuzu akho esikweletu kulula kunakuqala. Kepha abantu abakakwenzi ngokwanele. Kungani? Sibuze imibuzo elandelayo kuphaneli yochwepheshe bezezimali ukuthola nokuthi uthole amathiphu wokonga imali ngenkathi ugcina umkhondo wesikolo sakho. Ungabona ukuthi bathini ngezansi.
- Kulula kangakanani kubantu ukubheka izikolo zabo zesikweletu manje kunaseminyakeni engu-5-10 edlule?
- Ngabe kunesizathu sokukhokha ukuze uhlole amaphuzu akho esikweletu?
- Yiziphi izinzuzo umthengi ngaphezulu: ukuvuselelwa kwamaphuzu esikweletu nsuku zonke ngokuya ngemibiko yesikweletu se-ejensi eyodwa noma izibuyekezo zangeviki ngokuya ngemibiko emibili ye-ejensi?
- Yiliphi iphutha elikhulu elenziwa ngabantu lapho behlola izikolo zabo zesikweletu?
Okuqukethwe
- Nakhu lapho ungabheka khona amaphuzu wakho wesikweletu mahhala:
- Kungani Kufanele Uhlole Isikweletu Sakho
- Yimaphi amaphuzu wesikweletu okufanele uwahlole?
- Kusho ukuthini amaphuzu esikweletu?
- Isibopho siyisihluthulelo
- Buza Ochwepheshe: Amathiphu Wokuhlola Isikweletu
- Ungawathola kanjani amaphuzu esikweletu ayi-100 ngokushesha
- Ngabe isebenza kanjani imali ngezimoto?
- Hlanganisa Izikweletu Zekhadi Lesikweletu | 4 Izinyathelo ezilula
- Ayikho Imali mboleko Yomuntu e-USA
- Uyithola kanjani imali ekhadini lesikweletu?
- Ungaqasha kanjani indlu ngaphandle kwesikweletu e-USA?