Ungasinyusa kanjani isikweletu sakho ngokushesha? Cishe usuyazi vele ukuthi amaphuzu akho esikweletu angathinta impilo yakho ngezindlela eziningi.
Ngenkathi amaphuzu amahle esikweletu engakusiza ukuthi ufanelekele amanani entengo aphansi kumakhadi akho esikweletu, imali ebolekwa imali, izimalimboleko zabafundi ezizimele, kanye nemalimboleko yemoto (phakathi kwezinye izinzuzo), isilinganiso esibi sesikweletu sivame ukuhumusha kumanani aphansi. Inzalo ephezulu nesikweletu esimba eqolo.
Uma unesilinganiso esiphansi sesikweletu, ungahle uzibuze ukuthi ngabe ikhona yini indlela yokwengeza isikolo sakho ngokushesha. Yize kungelula, kungenzeka ukuthi usheshe uthuthukise amaphuzu akho esikweletu ezinyangeni ezimbalwa nje.
Lapha sihlola ukuthi siyini isikweletu, yiziphi izinto ezithonya isikolo sakho, bese sichaza ezinye izinyathelo ongazithatha ukulungisa amaphuzu akho esikweletu ngokushesha okukhulu.
Ayini amaphuzu esikweletu?
Isikweletu sakho siyizinombolo ezintathu ezisetshenziswa ababolekisi ukuthola ubungozi bakho njengombolekayo.
Kulungile noma cha, amaphuzu akho esikweletu avame ukubhekwa njengabamele impilo yakho yezezimali. Ukuphakama kwesikweletu sakho, iba mancane amathuba okuzibheka njengoyikho futhi maningi amathuba okuthi uvunyelwe ukubolekwa imali noma ukhokhiswe inzalo ephansi. Ukwehlisa isilinganiso sakho sesikweletu, uyingozi kangakanani futhi mancane amathuba okuthi uvunyelwe ukubolekwa imali. Kumalimboleko ovunyelwe wona, ungalindela ukukhokha inzalo ephezulu uma kuqhathaniswa nalabo abanamaphuzu aphezulu wesikweletu.
Ngayinye yamahhovisi amathathu amakhulu wezikweletu ( Okuhlangenwe nakho , I-TransUnion futhi I-Equifax ) isebenzisa ifomula yayo yokuphathelene ukubala amaphuzu esikweletu somuntu, kodwa ezinye zezici ezibaluleke kakhulu zifaka:
Umlando wokukhokha
Umlando wakho wokukhokha izikweletu zakho ngesikhathi - Umlando wakho wokukhokha ubala cishe amaphesenti angama-35 wesamba sakho sesikweletu esiphelele, okwenza kube ngesinye sezici ezibaluleke kakhulu.
Izinga lokusetshenziswa kwekhredithi
Lokhu kusho inani lesikweletu olitholile osisebenzisile, futhi limelela amaphesenti angama-30 wesikolo sakho. Ama-credit bureaus abheka inani lakho lokusebenzisa, kanye namazinga okusetshenziswa kwamakhadi wesikweletu ngamanye.
umlando wesikweletu
Iminyaka emaphakathi yawo wonke ama-akhawunti asembikweni wakho wesikweletu, lokhu kumelela amaphesenti ayi-15 wesikolo sakho sesikweletu.
Ukuhlanganiswa kwezikweletu
Ukuhlanganiswa okukhethekile kwezinhlobo zezikweletu onazo (isikweletu sezitolimende ezifana nemalimboleko yabafundi kuqhathaniswa nesikweletu esijikelezayo njengamakhadi wesikweletu) ama-akhawunti wamaphesenti ayi-10 wesikolo sakho.
Izicelo ezintsha zezikweletu
Iqiniso lokuthi usanda kufaka isicelo somugqa wesikweletu (noma imigqa eminingi yesikweletu) kungakapheli isikhathi esifushane limelela amaphesenti ayi-10 wokugcina wesikweletu sakho.
Yini engadala ukuthi amaphuzu akho esikweletu ehle?
Kunezinto eziningi ezingadala ukuthi amaphuzu akho esikweletu ehle. Uma uthole umbono wokuthi amaphuzu akho esikweletu ahamba kahle bese uwahlola bese ubona ukuthi aphansi kunalokho obekulindelekile, cabanga ngamathuba alandelayo:
- Uphuthelwe yinkokhelo noma ukhokhe isikweletu sekwephuzile.
- Uthenge kakhulu ngekhadi lakho lesikweletu, wandisa isilinganiso sakho sokusetshenziswa.
- Ubhekane nokuqothuka, ukudliwa impahla, noma ubuhlongandlebe kwesinye sezikweletu sakho.
- Uvale i-akhawunti yekhadi lesikweletu.
- Usanda kufaka isicelo semigqa emisha yesikweletu.
Izindlela ezi-7 zokukhulisa amaphuzu wakho wesikweletu ngokushesha
Njengoba kushiwo ngenhla, amaphuzu amancane esikweletu angaba nemiphumela emibi enhlalakahleni yakho yezezimali. Isifiso sokugwema imiphumela enjalo kuvame ukuba nesizathu esanele sokuthi umuntu asebenze ukuthuthukisa nokulungisa amaphuzu abo.
Kodwa-ke, kunezizathu eziningana zokuthi kungani umuntu angafuna ukukhuphula amaphuzu abo esikweletu ngokushesha okukhulu. Yize kungesilo uhlu oluphelele, ezinye zalezo zizathu zingafaka:
- Usuzofaka isicelo semali mboleko, imalimboleko yemoto, ikhadi lesikweletu, noma olunye ulayini wesikweletu. Futhi ufuna a.) Khulisa amathuba akho okuthola ukuvunywa, futhi b.) Ufanelekele amanani entengo aphansi.
- Ufuna ukwenza kabusha imali ebolekiwe ekhona, imalimboleko yabafundi, noma olunye uhlobo lwesikweletu. Futhi ufuna ukuthuthukisa isikolo sakho ukuze ufanelekele ukuthola inzalo entsha ephansi.
- Usuvele ufake isicelo futhi unqatshelwe umugqa wesikweletu . Futhi ufuna ukuthuthukisa izikolo zakho zesikweletu ukuze wandise amathuba akho okuvunyelwa ngokuzayo.
- Ufuna nje ukukhushulwa kwengqondo. Lokho kungeza ngokukhulisa amaphuzu akho esikweletu kusuka kokubi kuya kokulungile kuya kokuhle noma ngaphezulu.
Ungasinyusa Kanjani Isikweletu Sakho Ngokushesha
Indlela eqinisekile yokwenza ngcono amaphuzu akho esikweletu ukusebenzisa isikweletu ngokuzibophezela nokuphatha izikweletu nezibopho zakho ngokufanele esikhathini esizayo. Ngokuthatha izinyathelo njengokuthi ungalokothi ukhiphe amakhadi akho esikweletu, wenze izinkokhelo zakho ngesikhathi ngamunye Kanye, futhi ugcina ama-akhawunti akho amadala kanye nolayini wesikweletu, uzothuthukisa kancane kodwa ngokuqinisekile amaphuzu akho esikweletu ezinyangeni ezimbalwa naseminyakeni ethile.
Ngalokho kusho, uma unesikhathi esinqunyiwe ozama ukuhlangabezana naso futhi ufuna ukukhuphula isikolo sakho ngokushesha okukhulu, kunezinyathelo ezimbalwa ongazithatha ukukufeza.
1. Bheka amaphutha emibiko yakho yesikweletu
Uma ufuna ukuthuthukisa isilinganiso sakho sesikweletu, kuhle ukuqala ngokuqonda ukuthi yini esemibikweni yakho yesikweletu.
Ngokomthetho, unelungelo lokuthola umbiko wamahhala wesikweletu kusuka kumahhovisi amathathu amakhulu wesikweletu kanye ezinyangeni eziyi-12. (Ungacela imibiko yakho yesikweletu samahhala kusuka ku- I-OnlineCreditReport.com , ngaphezu kwezindawo zokubonisana ezifana ne- IsikweletuKarma futhi IsikweletuSesame ). Ngoba imininingwane etholakala kuyo yonke le mibiko ingahluka, kunengqondo ukucela umbiko kuwo ngamunye, hhayi owodwa.
Uma ubona noma yimaphi amaphutha emibikweni yakho ngenkathi uwabuyekeza, ungawahlola baphikisane nabo bese ucela ukuthi kususwe amaphutha embikweni wakho. Ngoba ama-credit bureaux kudingeka ukuthi aphendule kunoma iyiphi ingxabano zingakapheli izinsuku ezingama-30, umthelela omuhle wokuxazulula noma yimaphi amaphutha ungazwakala ngokushesha. Ngokuvumelana ne I-Federal Trade Commission (FTC) , yabo isifinyezo ngesiNgisi) , cishe oyedwa kwabayishumi abathengi abalungise iphutha embikweni wabo wesikweletu babona uhlobo oluthile loshintsho kumamaki abo esikweletu, kanti amaphesenti amancane abone izinguquko zamaphoyinti angaphezu kwekhulu.
Ngemuva kokuxazulula noma yimaphi amaphutha embikweni wakho wesikweletu, qiniseka ukuthi uhlola imibiko yakho njalo ngonyaka ukuthola nokuthi uvimbele amanye amaphutha ngokuzayo. Avamile kangakanani amaphutha wombiko wesikweletu? Umbiko ofanayo we-FTC ulinganisela ukuthi kuze kufike kumaphesenti ama-5 kuyo yonke imibiko yesikweletu inamaphutha abucayi ngokwanele ukudala umonakalo wangempela wezezimali.
2. Thola (futhi uhlale) usesikhathini ngezinkokhelo
Umlando wakho wokukhokha umele amaphesenti aphezulu wesikweletu sakho kunanoma iyiphi enye into eyodwa. Izinkokhelo ezingabanjwanga ngokuvamile zihlala embikweni wakho wesikweletu iminyaka eyisikhombisa, okusho ukuthi zingaba nomthelela ohlala njalo kumaphuzu akho esikweletu. Yingakho kubaluleke kakhulu ukuthi uhlale phezu kwezinkokhelo zakho futhi ungalokothi uphuthelwe ukukhokha noma ukhokhe sekwedlule isikhathi.
Uma uthola ukuthi ulahlekelwe inkokhelo, kungahle kube nezinyathelo ongazithatha ukunciphisa (futhi mhlawumbe ukubuyisela emuva) umonakalo, ikakhulukazi uma inkokhelo elahlekile ingaphansi kwezinsuku ezingama-30 ubudala. Shayela umbolekisi wakho ngqo bese uhlela ukukhokha. Uma sebevele babikile ubuhlongandlebe bakho, ngenkathi usocingweni nabo, kufanele ubuze ukuthi bazokuhoxisa yini. Ngenkathi abanye ababolekisi bengeke bayichithe imibiko yobuhlongandlebe uma sebenziwe, abanye bazokwenza, ikakhulukazi uma kuyicala lakho lokuqala noma uma unomlando omkhulu ngenkampani.
Ukubhalisela ukukhokha okuzenzakalelayo lapho kungenzeka khona (imali ebanjisiwe, izimalimboleko zabafundi, izinsiza) kungakusiza ukuthi ugweme ukulimala okwengeziwe kumaphuzu akho kusuka ekukhokheni sekwephuzile noma sekwephuzile, yize isenzo uqobo sizoba nomthelela oqondile esikolweni sakho.
3. Khokha ezilinganisweni zakho ekhona credit card
Njengoba kushiwo ngenhla, ukusetshenziswa kwakho kwesikweletu, ukusetshenziswa okuphelele nokusetshenziswa kwamakhadi kuya ekhadini, kungenye into ebaluleke kakhulu ethinta amaphuzu akho esikweletu. Ngokuvamile, kunconywa ukuthi uzame ukugcina ukusebenzisa kwakho isikweletu kumaphesenti angama-30 noma ngaphansi ukugwema imiphumela emibi esikweletini sakho, futhi angikaze kufanele ukhulise ikhadi.
Uma unezinga eliphezulu lokusebenzisa isikweletu, kufanelekile ukusetha uhlelo lokukhokha okuningi ezilinganisweni zakho. Uma unemali eyengeziwe kwisabelomali sakho, ukuyisebenzisa ukukhokha izilinganiso zakho zekhadi lesikweletu kungaba yindlela ephumelelayo yokuthuthukisa isikolo sakho. Futhi imiphumela uzoyizwa ngokushesha okukhulu, ngoba abanikezeli bezikweletu abaningi babika kuma-credit bureau njalo ngenyanga. Lapho unganciphisa ukusetshenziswa kwakho kwesikweletu, umthelela omkhulu ozozizwa ngawo uba mkhulu.
Uma unamakhadi esikweletu amaningi, qala ngokukhokha ibhalansi ekhadini ngezinga lokusetshenziswa eliphakeme kakhulu kuqala (okusho ukuthi, ikhadi eliseduzane ukufinyelela umkhawulo wakho wesikweletu).
Lapho usuyikhokhile imali yakho esele, zama ukungavali ama-akhawunti akho amadala ngaphandle kwalapho kudingekile impela, ngoba ukuvala ama-akhawunti amadala (ikakhulukazi ama-akhawunti amade anezinkokhelo ezisebenza ngesikhathi) kungalimaza amaphuzu akho esikweletu ngokunciphisa umlando wesilinganiso sakho sesikweletu. .
4. Cabanga ngokuhlanganiswa kwezikweletu
Enye indlela ongehlisa ngayo isilinganiso sakho sokusetshenziswa kwekhredithi kungaba ukuhlanganisa isikweletu sakho sekhadi lesikweletu nemalimboleko yomuntu siqu.
Lokhu kungazuzisa isikolo sakho ngezindlela ezimbili. Okokuqala, kuzoguqula isikweletu sakho esijikelezayo (okusho ukuthi, isikweletu sakho sekhadi lesikweletu) sibe yisikweletu sesitolimende, okuyisilinganiso esikhulunywa ngabaphathi bezikweletu. Okwesibili, kuzonciphisa ukusebenzisa kwakho isikweletu kumakhadi akho esikweletu. Futhi, njengebhonasi, imali mboleko yomuntu siqu enamanani enzalo aphansi kakhulu uma kuqhathaniswa namakhadi wesikweletu, angakusiza ukuthi ukhokhe isikweletu sakho kalula futhi sisheshe ngokuhamba kwesikhathi.
5. Nyusa umkhawulo wakho wesikweletu
Uma ungakwazi ukukhokha ibhalansi yekhadi lakho lesikweletu futhi ungafuni imalimboleko yomuntu siqu, kunendlela yesithathu yokwehlisa ukusetshenziswa kwakho kwesikweletu: cela ukwanda komkhawulo wesikweletu.
Ngoba lokhu kuzokhuphula inani lesikweletu onalo ngenkathi ugcina ibhalansi yakho ifana, ukusetshenziswa kwakho kwesikweletu kuzokwehla ngokushesha inqobo nje uma ungasakhokhisi ikhadi lakho. Konke okudingeka ukwenze ukushayela umhlinzeki wekhadi lakho lesikweletu bese ubuza ukuthi kungenzeka yini ukwandisa umkhawulo wakho. (Ungacela futhi ukukhushulwa okukhawulelwe online nge-portal yakho yombolekisi.)
Inani lokukhushulwa komkhawulo wesikweletu lizothinta amaphuzu akho esikweletu kuzoncika ezintweni eziningana, kufaka phakathi usayizi wokwenyuka kanye nenani lesikweletu osuvele unalo ekhadini lakho. Ngokwesibonelo:
- Uma njengamanje unekhadi lesikweletu elinomkhawulo wesikweletu esingu- $ 250 futhi unebhalansi engu- $ 150, khona-ke unezinga lokusetshenziswa kwesikweletu ngamaphesenti angama-60. Uma inkampani yakho yekhadi lesikweletu inyusa umkhawulo wakho wesikweletu ngo- $ 250, umkhawulo wakho omusha wesikweletu ungaba ngama- $ 500. Lokhu kunganciphisa ukusetshenziswa kwakho kwesikweletu ngamaphesenti angama-30.
- Ngakolunye uhlangothi, uma njengamanje unekhadi lesikweletu elinomkhawulo wesikweletu esingu- $ 10,000 futhi unebhalansi engu- $ 7,000, khona-ke unezinga lokusebenzisa isikweletu elingamaphesenti angama-70. Uma inkampani yakho yekhadi lesikweletu inyusa umkhawulo wakho wesikweletu ngo- $ 2,500, umkhawulo wakho omusha wesikweletu ungaba ngu- $ 12,500. Lokhu kuzokwehlisa isilinganiso sakho sokusetshenziswa sibe ngamaphesenti angama-56, okungcono kunalokho okwakukhona, kepha sisengaphezulu kwesilinganiso esiphakanyisiwe samaphesenti angama-30.
6. Thola isikweletu ngokukhokha kwezinsiza
Ekuqaleni kuka-2019, u-Experian wethule umnikelo omusha obizwa nge- I-Experian Boost , eyenzelwe ukunikeza abantu abanentshisekelo indlela yokunikeza izikolo zabo zesikweletu umfutho osheshayo.
Isebenza kanjena i-Experian Boost: umuntu kufanele akhethe ukubamba iqhaza kulolu hlelo, lapho kuzofanele axhumanise imininingwane yakhe yokuhlola nefayela lakhe lesikweletu. Lokhu kuzovumela i-Experian ukuthi ibheke emuva ezinyangeni ezingama-24 ukudala irekhodi lezinkokhelo zakho zosizo. (Ngokusobala, lokhu kusebenza kuphela uma wenza izinkokhelo zakho zesevisi nge-akhawunti yakho yokuhlola.) Usebenzisa le datha, i-Experian izonikeza isilinganiso sakho sesikweletu ukukhuphula. Ngokuvamile, umuzwa wokukhokha ongaphezulu ongawuthola ngomlando wakho wasebhange, kukhulisa umfutho wakho.
I-Experian Boost ingaba wusizo ikakhulukazi kulabo abanomlando omncane wesikweletu noma ongenawo, noma kulabo abasondele ekubeni sezingeni eliphakeme lesikweletu. Ungalindela ukubona isikolo sakho esisha ngokushesha ngemuva kokuthi ukuhlaziywa kuqediwe.
7. Yiba umsebenzisi ogunyaziwe kuma-akhawunti womunye umuntu
A umsebenzisi ogunyaziwe igama elibhekisela kumuntu onikezwe imvume yokusebenzisa ikhadi lesikweletu lomunye umuntu. Abantu abadala abasebasha, ngokwesibonelo, bavame ukufakwa njengabasebenzisi abagunyaziwe emakhadini esikweletu sabazali babo ukubasiza ukuthi bakhe isikweletu.
Ngabe kukhona umuntu omaziyo onamanani we-stellar credit, izinga eliphansi lokusetshenziswa kwesikweletu, futhi othemba wena ngokwanele ukukufaka njengomsebenzisi ogunyaziwe kuma-akhawunti akhe? Uma kunjalo, ukuba ngumsebenzisi ogunyaziwe kuleyo akhawunti kungaba enye indlela enhle yokwandisa amaphuzu akho esikweletu ngokushesha okukhulu. Lokhu kungenxa yokuthi zonke izibonakaliso zesikweletu esihle somunye umuntu, ikakhulukazi isilinganiso sokusetshenziswa kanye nomlando wokukhokha, zizongezwa kumbiko wakho wesikweletu, lapho kungakusiza wehlise isilinganiso sakho sokusetshenziswa kwekhredithi.
Ngeshwa, kunezingozi ezihilelekile ekubeni ngumsebenzisi ogunyaziwe ku-akhawunti yomunye umuntu. Uma lowo muntu eke waphuthelwa ukukhokha noma wengeza ukusebenzisa kwakho isikweletu (ngakho-ke ukusebenzisa kwakho isikweletu), imiphumela emibi izokudlulisela nakuwe. Kungakho kubaluleke kakhulu ukuthi ucabangele izinzuzo nezingozi ngaphambi kokuxhumanisa amaphuzu akho esikweletu nomunye umuntu.
Le ndatshana isatshalaliswe ngezinjongo zemfundo kuphela futhi akufanele ithathwe njengeseluleko esithile sokutshala imali, isu noma umkhiqizo wokutshalwa kwezimali. Imininingwane equkethwe kulo mbhalo itholwe emithonjeni okukholelwa ukuthi inokwethenjelwa, kepha ayiqinisekisiwe.
Okuqukethwe
- Ayini amaphuzu esikweletu?
- Umlando wokukhokha
- Izinga lokusetshenziswa kwekhredithi
- umlando wesikweletu
- Ukuhlanganiswa kwezikweletu
- Izicelo ezintsha zezikweletu
- Yini engadala ukuthi amaphuzu akho esikweletu ehle?
- Izindlela ezi-7 zokukhulisa amaphuzu wakho wesikweletu ngokushesha
- Ungasinyusa Kanjani Isikweletu Sakho Ngokushesha
- 1. Bheka amaphutha emibiko yakho yesikweletu
- 2. Thola (futhi uhlale) usesikhathini ngezinkokhelo
- 3. Khokha ezilinganisweni zakho ekhona credit card
- 4. Cabanga ngokuhlanganiswa kwezikweletu
- 5. Nyusa umkhawulo wakho wesikweletu
- 6. Thola isikweletu ngokukhokha kwezinsiza
- 7. Yiba umsebenzisi ogunyaziwe kuma-akhawunti womunye umuntu