Ezilimele credit umlando - ukulungiswa kungenzeka

Nokho, yini engingayenza ukuthola loan? Ngempela akukho yasebhange ilungele ukukhipha loan uma spoilt Umlando wokukhokha kwemali?! Ingabe umunyu okungapheli lengafuni mphendvulo umboleki. Cha, ukuthola imali-mboleko kanye Umlando wokukhokha kwemali okubi ngangokunokwenzeka. Kodwa ukubala on loan nge ongaphakeme senzalo akudingekile.

sluagh ngokuvamile ukuthi umboleki iya eziningi amabhange ngilangazelela ukufika loan nomlando omubi wokukweleta futhi ithola ukwehluleka njalo.

Uma iBhodi licubungula isicelo loan, ibhange noma MFI, ngeke ufuna ukuhlola ababashisela ukukhipha credit, nokunye kwabo engozini imali yabo. Ngenxa yale njongo, ibhange ucela umboleki idatha ukuhlonza yayo, ithumela yona le-credit bureau, ukuze baqonde ukuthi kunobungozi okuzenzakalelayo phezu loan umuntu othize. Umlando wokukhokha komuntu, ulwazi olugcinwe kwi-loans ngaphambilini eyakhishwa, ubuhlongandlebe, noma ama-akhawunti esikweletu amaqiniso ukudluliswa e kollektrskoe ejensi. Yiqiniso, uma umlando credit yomuntu wase wonakele ngenxa isiyalo sako kunemiphumela ongaphakeme zezimali, kukhona amathuba olukhulu ukwehluleka.

Kodwa izizathu lapho umboleki isala ezilimele credit umlando kungaba eziningi, sihlasela, nokuxoshwa noma umndeni izimo. Futhi amabhange, njengoba umthetho, besiya ababoleka ababhekene nobunzima zezimali yesikhashana, futhi unikeze UKUHLEHLISWA noma okuthiwa kalula iholidi credit. IBhange inganikeza isandiso inkokhelo elandelayo uma lo muntu obolekayo iya ebhange kusengaphambili. Endabeni amaholidi, ibhange ngeke konakalisa okuqukethwe umlando credit, futhi iyohlala ihlanzekile.

Kodwa, ngeshwa, ababoleka abaningi abawazi yalezi zindlela, olunikezwa ebhange. Futhi lo muntu obolekayo akusho akwazisa ebhange ngobunzima yesikhashana, wathola ngenxa obonakele credit umlando.

NgokoMthetho ku Credit Histories, isihloko umlando credit ungaphikisana obonakele Umlando wokukhokha kwemali. Ukuze wenze lokhu, udinga ukubhala incwadi ukuze i-credit bureau, okubonisa ukuthi ulwazi izindaba akulona iqiniso, futhi unamathele isicelo obuqinisekisa lokhu.

Ngemva ukuhlolwa, bureau kubika incwadi eya umfakisicelo imiphumela ukuhlolwa futhi wenze ushintsho olufanele ngaphambilini ezilimele credit umlando.

Nokho, uma, amarekhodi eziqukethwe umlando credit, iqiniso, nokuthi isicelo anikezele substantiation, i-credit bureau ayisakwazi uphendule lezizitatimende sebhizinisi.

Kulokhu, ukulungisa umlando omubi wokukweleta ungakwazi kuphela silungise isimo sakhe sengqondo ukuze izikweletu zezimali. Isihloko ezilimele credit umlando kungathatha ngisho izimo alithandeki lomthengi credit, akhokhe ngaphandle zobuhlongandlebe kanjalo udale irekhodi elisha emlandweni waso, okwandisa ngaleyo ndlela credit yayo isilinganiso.