Izikhangiso
Uma uke wazama ukuthola uxhaso lwezimali, uyazi ukuthi kubaluleke kangakanani ukuba ne-“score” enhle yesikweletu. I-score iyinombolo enikezwa izikhungo ezivikela isikweletu ku-CPF ngayinye ngokusekelwe emlandweni wesikweletu.
Ukuba ne-score ephezulu kungaba ukhiye wokuthola isikweletu emakethe, ngezinga lenzalo eliphansi kanye nemibandela engcono yokukhokha. Kodwa ungayithuthukisa kanjani eyakho? Nazi ezinye izindlela ezisebenzayo ezingakusiza ukhuphule amaphuzu akho.
Qonda ukuthi i-credit score isebenza kanjani
Okokuqala, kubalulekile ukuqonda ukuthi iyini i-credit score, ekalwa yizikhungo ezifana ne Serasa. Leli phuzu liyinkomba yokuthi uthembeke kangakanani njengomkhokhi. Izikhungo zezimali nababolekisi bayalisebenzisa ukunquma ukuthi bayagunyaza yini noma cha ukubolekwa imali kanye noxhaso lwezimali. Amaphuzu asukela ku-0 kuya ku-1000, futhi uma amaphuzu ephakeme, uthathwa njengothembeke kakhulu. Nokho, izici ezifana nomlando wokukhokha, izikweletu zamanje, imininingwane ebhalisiwe ebuyekeziwe kanye nokuvama kokucela isikweletu esisha kuthonya amaphuzu akho.
Amathiphu asebenzayo okukhuphula amaphuzu akho
Manje usuyazi ukuthi i-score isebenza kanjani, ake sibheke amathiphu athile asebenzayo okuthuthukisa amaphuzu akho:
- Khokha izikweletu zakho ngesikhathi: Ukubambezeleka kwezinkokhelo kuthinta kabi i-score yakho. Hlela ukukhokha zonke izikweletu zakho ngaphambi kosuku lokukhokha;
- Gcina imininingwane yakho yokubhalisa ivuselelwe: Ngaphezu kwalokho, kubalulekile ukugcina ukubhaliswa kwakho kuvuselelwe ezikhungweni zokuvikela isikweletu. Lokhu kubonisa ukuzinza nokwethembeka;
- Hlola i-CPF yakho njalo: Hlola i-CPF yakho ngezikhathi ezithile ukuze ugweme izimanga futhi uqinisekise ukuthi azikho izikweletu ongazazi ezixhunyaniswe negama lakho;
- Ungaceli izikweletu eziningi ngesikhathi esifushane: Lapho ucela izikweletu eziningi esikhathini esifushane, ababolekisi bangakuhumusha lokho njengokuphelelwa yithemba ngokwezimali, okunganciphisa amaphuzu akho.
- Xoxisana ngezikweletu ezisalindile: Uma unezikweletu, xhumana nababolekisi ukuze uxoxisane ngazo. Ngakho-ke, lapho ukhokha noma uphinde uxoxisane ngezikweletu, i-score yakho izoqala ukuthuthuka.
Ukuthuthukisa i-score yakho yesikweletu akwenzeki ngobusuku obubodwa, kodwa ngokulandela lawa mathiphu, uzobe usendleleni efanele yokwandisa amaphuzu akho futhi uthole ukwethenjwa ababolekisi.
Ngakho-ke, khumbula ukuthi ukugcina imikhuba emihle yezezimali kuyisihluthulelo sokuba ne-score ephezulu nokufinyelela ezimweni ezingcono ze esikweletini. Qala ukusebenzisa lezi zindlela namuhla futhi ubone i-score yakho ikhuphuka kancane kancane!
Isithombe: Mohamed_hassan/Pixabay
