Ukuba namaphuzu amahle esikweletu kubalulekile ekutholeni imali mboleko, amakhadi esikweletu, kanye nezikweletu. Nokho, amaphuzu aphansi okuthenga ngesikweletu angaba yisithiyo, ikakhulukazi kulabo abasanda kushona. Ngenhlanhla, kunendlela yokukhulisa isikolo sakho, ngisho nangemva kokumemezela ukuthi uqolekile. Imali mboleko yetayitela yemoto ingaba ithikithi lakho lokuthuthukisa isikolo sakho sesikweletu futhi ubuyele esimweni esihle ngokwezezimali.
Lokhu okuthunyelwe kubhulogi kuzokunikeza ulwazi oludingekayo ukuze uqonde izinzuzo zemalimboleko yetayitela lemoto nokuthi zingasiza kanjani ukwakha kabusha isikolo sakho sesikweletu.
Ukufinyelela Emalini Ngemva Kokumemezela Ukuqothuka
Ukuqothuka kungaba isithiyo esikhulu lapho uzama ukuthola imali ebolekiwe. Ababolekisi bendabuko bangase bangabaze ukusebenza nawe ngenxa yengozi ecatshangwayo. Izikweletu zetayitela yemoto, ngakolunye uhlangothi, ziyinketho okufanele icatshangelwe kulesi simo. Lezi zimali mboleko zisebenzisa isihloko semoto yakho njengesibambiso, okuvumela ababolekisi ukuthi banikeze imali mboleko kubantu okungenzeka bangafaneleki ngenxa yomlando wabo wesikweletu.
Ngokukhokha ngesikhathi imali mboleko yesihloko semoto, ungabonisa umthwalo wemfanelo wezezimali bese uqala ukwakha kabusha isikolo sakho sesikweletu ngokuqhubeka nokuboleka imali ngemva kokumemezela ukuthi uwile.
Imalimboleko Evikelekile vs. Imalimboleko Engavikelekile
Imali mboleko yetayitela yemoto iyimalimboleko evikelekile, okusho ukuthi isekelwa yisibambiso (isihloko semoto yakho). Lokhu kwehlisa ubungozi kubabolekisi, okubavumela ukuthi banikeze imali mboleko enemibandela evumayo kunemalimboleko engavikelekile.
Ngokuthatha imali ebolekiwe evikelekile futhi wenze izinkokhelo ngesikhathi, ungathuthukisa isikolo sakho ngokushesha kunemali mboleko engavikelekile, njengekhadi lesikweletu.
Ukwakha Umlando Wokukhokha Omuhle
Umlando wakho wokukhokha uhlanganisa u-35% wesikolo sakho sesikweletu , okwenza kube yinto ebaluleke kakhulu ekunqumeni isilinganiso sakho sesikweletu. Ngokuthatha imali mboleko yesihloko semoto nokwenza izinkokhelo ezivamile, ngesikhathi, ungasungula umlando wokukhokha omuhle.
Lokhu kuzokwandisa amaphuzu akho esikweletu futhi kuthuthukise amathuba akho okufaneleka ukuthola imalimboleko yesikhathi esizayo kanye nemikhiqizo yezikweletu.
Ukunciphisa Ukusetshenziswa Kwesikweletu
Ukusetshenziswa kwekhredithi isilinganiso sesikweletu sakho esisele nekhredithi onayo. Ibalelwa ku-30% wesikolo sakho sesikweletu. Ngokukhokha isikweletu sekhadi lesikweletu elinenzalo enkulu ngesikweletu semoto, unganciphisa isilinganiso sakho sokusebenzisa isikweletu.
Lokhu kungaholela ekwenyukeni kwamaphuzu akho esikweletu inqobo nje uma ugcina imikhuba yokusebenzisa kahle imali futhi ungaqoqi izikweletu ezintsha.
Ukuhlukanisa Imiksi Yakho Yesikweletu
Ukuba nengxube ehlukahlukene yezinhlobo zezikweletu kungaba nomthelela omuhle kumphumela wakho wesikweletu. Imali mboleko yemoto ifaka isandla ekuhlanganiseni kwakho isikweletu ngokungeza imali ebolekiwe yesitolimende kuphrofayela yakho yesikweletu. Lokhu kuhlukahluka kungathuthukisa isikolo sakho sesikweletu, njengoba kubonisa ikhono lakho lokuphatha izinhlobo ezahlukene zekhredithi.
Ukubika Ezikhungweni Zezikweletu
Akubona bonke ababolekisi bezikweletu zemoto ababika kuma-credit bureaus, kodwa abaningi bayayenza. Ngaphambi kokufaka isicelo semalimboleko yetayitela lemoto, cwaninga ababolekisi bese ukhetha eyodwa ezobika kuma-credit bureaus amakhulu. Ngokuqinisekisa ukuthi imali oyibolekiwe iyabikwa, ungenza isiqiniseko sokuthi izinkokhelo zakho ngesikhathi ziyavela embikweni wakho wesikweletu, ngaleyo ndlela ukhulise isikolo sakho sesikweletu.
Isixazululo Sesikhathi Esifushane Sokuzuza Kwesikhathi Eside
Izimalimboleko zetayitela lemoto ngokuvamile ziyimalimboleko yesikhashana, ngokuvamile esukela ezinyangeni ezimbalwa kuya eminyakeni embalwa. Ngokukhetha imali ebolekiwe yesikhashana kanye nokukhokha njalo, ungabonisa ngokushesha ikhono lakho lokuphatha isikweletu ngokuzibophezela. Uma imali oyibolekile isikhokhiwe, amaphuzu akho esikweletu azobonisa umlando wokukhokha omuhle, futhi uzobe usuthathe isinyathelo esibalulekile sokuthuthukisa ukuma kwakho kwezezimali.
Isiphetho
Izikweletu zetayitela yemoto zinikeza ithuba elibalulekile lokukhulisa isikolo sakho sesikweletu, noma ngabe uke waqothuka esikhathini esidlule. Ngokusebenzisa leli thuba lokubolekwa imali futhi wenze izinkokhelo ezingaguquki, ngesikhathi, ungakwazi ukusungula umlando wokukhokha omuhle, unciphise ukusetshenziswa kwesikweletu, uguqule inhlanganisela yakho yezikweletu, futhi ekugcineni uthuthukise isikolo sakho.
