Amanqaku eKrediti kubaLiboleki: Indlela Amanqaku Asebenza ngayo nendlela Yokuwasebenzisa
Le gida ibhalwe ngokomhlangano womseli. Isihloko sayo kukubona indlela amanqaku ekhrediti abaliwa ngayo ngempela, into eyenzekayo isixenxe sithetha ngayo ngengozi yomseli, kutheni umfaki-sicelo ofanayo enokuba namanqaku ahlukeneyo, nokuba uliphendule njani inani ukwenza isigqibo esifanelekileyo sokuqinisekisa, ukwala, okanye ukumisela ixabiso — kubandakanya nento ekufuneka yenziwe xa umfaki-sicelo engenayo nqaku konke.
Yintoni Inqaku leKhrediti?
Inqaku lekhrediti liquka uvavanyo lwezibalo lwengozi yokubuyiselwa, oluvame ukubonakalisa kwiskeyili esingama-300 ukuya ku-850. Inani eliphezulu lithetha ukuba umseli wahlala eziphethe ngendlela enxulumene nokubuyisa ngokuthembeka. Inani eliphantsi lithetha okuchaseneyo. Yiyo yonke loo nto nqaku: umthethwana, ekhaphwa njengenani ezintathu.
Into engengoyo ngumfanekiso opheleleyo. Inqaku libalwa kwingxelo yekhrediti, equlathe kuphela oko kubikwe kubhiro yekhrediti. Ayazi nto ngemali yomseli namhlanje, isikwereka abafaka isicelo saso, okanye ubuhlobo abanabo nebhizinisi lakho. Ukujonga inqaku njengovavanyo jikelele yimpazamo eqhelekileyo eyenziwa ngumseli omkhulayo. Ukujonga njengomqondiso onamandla phakathi kwezinye yindlela abalisebenzisi ngayo abeli abava.
Lona Linqaku leKhrediti Libalwa Njani?
Uninzi lwamanqaku ekhrediti lwakhelwe kwiindidi ezintlanu zendelelo. Imodeli elawulayo, FICO, iyazinika izinto ngendlela ethetha ngqo apho ingozi yomseli ibonakala khona kuqala.
Imbali yentlawulo iyona nto ikhulu kakhulu, malunga ne-35 yepesenti. Le yimodeli ebuza umbuzo omde ngokomseli: ngaba lo mntu waliphumlela amatyala akhe ngexesha elidlulileyo? Ibheka iintlawulo ezenziwe ngexesha, umva kangakanani amaxesha angaphumeleli, kwaliphi ixabiso, nokuba ngexesha liyintoni ingxaki yenzekile. Ukungabori okulapha kuphezulu ngakumbi kunokuquqa, kuba izienzo zanamhlanje zibikezela ingozi yangoku. Xa ufunda inqaku, le yinto eyenza umsebenzi omninzi, yaye imbali yentlawulo yomseli yinto yokuqala efanelekileyo ukuphononongwa ngokukhawuleza.
Amanani aqeshiweyo eza emva, malunga ne-30 yepesenti. Ayiyiyo nje eyemali yomseli, kodwa mingakanani abayibolekayo kuxabiso lwekhrediti abaneyo — ukusetyenziswa kwabo. Umseli osebenzisa phantse lonke ikhrediti lakhe elifumanekayo ukhona phezulu, yaye abaseli abaphezulu abafuneki. Umseli osebenzisa ingxenye encinci ulawulo. Ukusetyenziswa okuphezulu kunokuthelekisa inqaku ngisho nezinto zonke ezingaziwa, okungumqondiso wokuqala-wokuqaphela omseli onokuqaphela.
Ubude bembali yekhrediti budalula malunga ne-15 yepesenti. Imbali inde nenyulu, ibikezelo elinethemba. Imbali encane okanye emfutshane ayibi mbi ngokulingeneyo, kodwa ikunika ukunciphisa, oku kukuqhayiya okungumzekelo wengozi ekufuneka ulinganisele ngayo.
Uxinano lwekhrediti lungaxhaphazeka malunga ne-10 yepesenti. Umseli owaziphethe ngezinhlobo zekhrediti ngobuchwepheshe — isikwereka sendlela kunye nesakhiwo esiguquguqukayo, ngokomzekelo — ubonakalise ubuchwepheshe bezimali obusiba ngaphezulu kwaloyo obenazo ezinye nje. Ngumthintelo omncinci, kodwa wongeza umxube emfanekisweni.
Ikhrediti entsha ikugqibelisi i-10 yepesenti. Uluhlu lweenfomvula zekhrediti ezisanda kufikiswa sisimemo. Inokubonakalisa umseli ofuna imali kwabeli abaninzi ngaxeshanye, engoqobo yomyili ofuna ukubanjwa ngaphambi kwakho ukuqinisekisa. Isicelo ngasinye esisesikweni sishiya isele esiqinileyo kwiingxelo, kwaye ezintle kwindawo encinane kufuneka kukhangele ngakumbi.
Beka lawo manqaku ndawonye, isifundo someli sinengqondo: imbali yentlawulo nokusetsenziswa, phantse izitha yonke inani phakathi kwazo, ngulo apho kufuneka ugxile ngqondo wakho xa ufunda umfaki-sicelo.
Kutheni Umseli Ofanayo Enenamanqaku Ahlukeneyo?
Akukho nqaku lekhrediti elinye jikelele, yaye oku kubalulekile xa ulixhomekeke. Inani lixhomekeka kuyiphi imodeli elivelisileyo neyiphi idatha yebhiro elisizele ngayo.
Iimodelikhulu ezimbini, FICO ne-VantageScore, zisebenzisa iindidi ezifanayo ezibanzi kodwa zizinika izinto yokuhlukana ngazo, yaye zinamanqaku aliqela athunyelwe. Ngaphezulu koko, abeli abathi banikele kwibhiro ngayinye, ngoko idatha emva kwenqaku yahluka ngomthombo. Umfaki-sicelo ofanayo unokubonakalisa amanani amathathu ngosuku olufanayo, onke eqondile.
Ngokuqokelela kwakho, iingcaciso eziqhelekileyo zimbini. Okokuqala, yazi eliphi inqaku neliphi inguqulelo oyithengayo, ulisebenzise ngokuqhubekekayo kuwo wonke umfaki-sicelo ukuze uthelekise iifanelekileyo. Okwesibini, musela ithemba layo lodwa inani ukuyakisa ngebinzana. Inqaku eli-681 noeli-668 zithetha okufanayo ngengozi; umgca wenqanaba otsalwa phakathi "kokuqinisekisa" no"uphononongo" kufuneka oku lubonakalise.
Indlela iReyindi yeNqaku Itsho Ngayo kwiZigqibo Zakho?
Usebenzisa iibhande zeRIFCO ezixhasiweyo njengesinqendu: amanqaku angangama-800 ukuya ku-850 makhulu kwaye amelela abaseli bakho abangcono kakhulu; 740 ukuya ku-799 kulungile kakhulu; 670 ukuya ku-739 kulungile kwaye kufanekisa uninzi lwabafaki-sicelo abaqinisekisiweyo kubaseli abaninzi; 580 ukuya ku-669 kulungile ngokulingeneyo, apho ukuqinisekiswa kusekho kuyenzeka kodwa ingozi ibeka ixabiso eliphezulu okanye ukhuseleko olongezelelweyo; no-300 ukuya ku-579 kubi, apho ngokuqhelekileyo ungawela, ufune ukhuseleko, okanye ucele osayinelayo.
Umba obalulekileyo kukuba la mabhandeli ngumbutho, awayi nqanaba lwakho. Ukuqhawula kwecala kulixhomekeke kuwo wonke umkhiqizo wakho, ikhwithi yakho yengozi, neemarike yakho. Umseli wezimali zamanqanava ozisebenzisela abaseli abafaka isicelo okokuqala ngenjongo uziqinisekisa amanqaku engcathe ibhanki yerenti ingaziqinisekisa, yaye limisela ixabiso ngokufanelekileyo kule ngozi. Inqaku ikuxelela apho umfaki-sicelo ehlezi khona kwimjikelo yengozi. Apho utsaleka khona umgca wakho kulo mzekelo sisigqibo sebhizinisi esona wenzileyo.
Indlela Yokusetyenziswa Kwanqaku leKhrediti ngokuqinisekileyo kwiSigqibo soKuboleka
Inqaku liyakufumana indawo yalo ngokukunceda uphendule imibuzo emithathu ngokukhawuleza: ngaba siza kuqinisekisa esi sikwereka, singabayisa kangakanani, yaye eliphi ixabiso eligqibelisa ingozi ngobulungisa? Ixhama, inqaku eliphezulu lixhasa isikwereka esikhulu nexabiso eliphantsi, yaye inqaku eliphantsi libonisa isikwereka esincinci, ixabiso eliphezulu, isicelo sokhuseleko, okanye ukwala.
Kodwa inqaku yintlabatho yovavanyo, hayi ukuphela kwalo. Ukubhala okunamandla kubeka inqaku ngasentla kwakhe konke okubonwa: imali yomseli nobudlelwane obukhona betyala, injongo nohlobo lwesikwereka, imbali yabo nebhizinisi lakho, kwaye ngokukhula, idatha yenye enjengemisebenzi yemali yefowuni yoselwa ngeengxelo zokuhamba kwemali. Inqaku eliphezulu kumseli ohlawulo zakhe zingawagwinya uninzi lwemali yakhe liseselikwereka liyingozi. Inqaku elincinci kumseli onokuqhubeka komali kunye noyanqenqe wokubuyisa olu unokuba olungileyo ngokuzeneleyo. Inqaku linazisa isigqibo sakho; asithathi indawo yaso.
Ingxaki kukwenza oku ngokuqhubekekayo. Xa wonke umqeshi wekhrediti elinganisa inqaku ngokwahlukeneyo, esebenzisa umgca owahlukeneyo kancinci, okanye exhomekeke kwimvakalelo ngaphansi womxinzelelo wexesha, imigaqo yakho yengozi iyaguquka, kwaye ukuguquguquka yindawo amagalelo angaxwayiswanga avela khona. Ukusebenza kokuboleka okuxhasiweyo kusebenzisa imigaqo efanayo kuso sonke isicelo, yaye loo nto iphathekela kakhulu ukuphelisa kwisistim yolawulo lwesikwereka kunokusuka kumatheyibheli kunye nemikhwa yabantu ngabantu.
Okuya Kwenziwa Xa Umseli Engenayo Nqaku Konke
Konke okungentla kuqikelela ibhiro yekhrediti evuthiwe enegxalaba ledatha kumseli wakho. Kumabhaso amaninzi, ngakumbi kulo lonke elaseAfrika, iAsia, nelaseAmericayeLatini, loo ngqikelelo iyaphela. Uninzi olukhulupheleyo lwabaseli banemifako encane okanye engekhoyo: abakwazanga ukuboleka ngokusesikweni, ngoko akukho nto yokumisela imodeli yendala. Umseli othembekileyo okokuqala nomseli wengozi yekhrediti yenene banokubonakala befanayo emaqephini, atsho bababala.
Kwiziko zemali ezincinci, SACCOs, nabaseli abazimeleyo abasebenzela kwezi marike, le yingxaki yovavanyo ezintliziyweni. Impendulo ayikhweli ukuyeka ukumisela kodwa ukukhulisa iinkalo. Iindlela zemali yefowuni, ukuhamba kwemali yebhizinisi, indelelo yokubuyisa kwezikwereka ezingasemthethweni ezidlulileyo, norekodo lwakho lomseli bakha umyili wengozi obalulekileyo apho inqaku lebhiro ingekho.
Yiyo kanye into amanqaku engozi yekhrediti axhasiweyo yi-AI akhiwe ngayo. Endaweni yokuxhomekeka kulenani elinye lebhiro elinokungabikho, i-Lendbox ihlalutya imiqobo emininzi yedatha ukuvelisa inqaku lobukhosi bezimali nomyili wendlela engozi ekhawulezayo kumseli ngamnye, novavanyo lolwaphulo-mthetho lwe-AI lwandise imiqobo yamaxwebhu nenkqubo enyembezayo ngaxeshanye. Kumseli osebenzela apho idatha yekhrediti esisemthethweni inqaphe khona, uko kuguqula uvavanyo lukabaseli ukusuka kwisicwangciso-ndlela ukuya kwinqanaba lomsebenzi elibhalwe busha — umgaqo-nkqubo ofanayo usetshenziselwa wonke umfaki-sicelo, omisiweyo okanye ongamisiwe.
Ukuguqula Uvavanyo Lube Nqanaba Elisoloko
Inqaku lekhrediti, elisetshenziswa kakuhle, liquka nyawo elinye elihlelekileyo kwinqanaba ukukuqokelela. Abaseli abagcina iigalelo phantsi ngabaenza loo nqanaba lisoloko: idatha efanayo eqokelekwa kuwo wonke umfaki-sicelo, imigaqo efanayo esetshenziswayo, izigqibo ezifanayo ezibhaliweyo, nokuqaphela okufanayo okuphelile ngelixa lobomi lwekhrediti.
Lo ngumsebenzi wokuqhuba iplatform yolawulo lwesikwereka ekhoyo ukuyenza. Ibamba uvavanyo, iphelela iqhubeka yomsebenzi wakho wokuqinisekisa, yaye igcine okulandela ukuluswa, nokulandelwa kwentlawulo ngokuzenzela okukhomba i-akhawunti ngexesha ithipheka, ukuze umseli owabukeka kulungile ekuqaleni angayi ngokukhuluma ubuyele ungaqapheli ngexesha. Amanqaku kulungile njengomnyango wangaphandle nokuqaphela ngokuqhubekekayo ngasemva yiziqendu ezimbini zomgaqo-nkqubo owodwa.
Imibuzo eqhelekileyo
Umseli Kufuneka Alisebenzise Njani Inqaku leKhrediti xa Evavanye Umseli?
Lisebenzise njengokungena okukodwa, hayi isigqibo jikelele. Inqaku likunceda ukuvavanyo nokuba uza kuqinisekisa, mingakanani oyibolekayo, yaye eliphi ixabiso okufuneka ulihlawule, kodwa kufuneka lilinganiswe kunye nemali, iityala ezikhona, injongo yesikwereka, nobuhlobo bukabaseli nebhizinisi lakho. Inkqubo eqhubekekayo ehlanganisa inqaku nala mabalelo ivelisa izigqibo ezilungileyo ngakumbi kunqaku lodwa.
Eliphi iNdawo yeNqaku leKhrediti eliBaluleke kakhulu ukuBikezela ukuGalela?
Imbali yentlawulo, edibanisa malunga ne-35 yepesenti yeNqaku le-FICO, yiphrofikhayli enamandla kakhulu, njengoko indelelo yokubuyisa edlulileyo ingumhlahlandlela okhona onako wenqanaba lokuza. Ukusetyenziswa kwekhrediti, malunga ne-30 yepesenti, kubaluleka okwesibini kwaye kumqondiso wokuqala-wokuqaphela owanelekileyo xa ibaleka phezulu.
Kutheni iiBhiro Ezimbini Zinike Amanqaku Ahlukeneyo kuMseli Ofanayo?
Kuba iimodelikhuli (ngokudla ingakumbi i-FICO ne-VantageScore) balibala inani ngokwahlukeneyo, ngamnye unamanqaku amaninzi, yaye akukho umseli wonke obikela wonke ubhiro. Idatha eyahlukeneyo engaphantsi ivelisa amanqaku ahlukeneyo. Abaseli kufuneka bamisele kwenye inqaku neguqulelo yayo baze bayisebenzise ngokuqhubekekayo kubo bonke abafaki-sicelo.
Umseli Angamlungelelanisa Njani Umseli oNgenayo Nqaku leKhrediti?
Ngokusebenzisa idatha eyenye. Imali, ukuhamba kwemali yebhizinisi, iingxelo zemali yefowuni, indelelo yokubuyisa kwezikwereka ezingasemthethweni ezidlulileyo, norekodo lomseli lomseli wakhe bangenza umyili wengozi apho inqaku lebhiro lingekho. Amanqaku engozi yekhrediti axhasiweyo yi-AI axhumanisa la mqondiso kwivavanyo elisoloko lobukhosi bezimali labafaki-sicelo banemifako encane okanye engekhoyo.
Ngaba Inqaku leKhrediti Lanele Ukuqinisekisa iSikwereka?
Hayi. Inqaku lilinganisa ingozi yokubuyisa kusekelwe kuphela koko kukho kwingxelo yekhrediti. Alisho nto ngemali yangoku yomseli, ukufikelela kwesikwereka esiqondekayo, okanye injongo yawo. Ukubhala okunamandla kuhlanganisa inqaku nexabiso nenkcazelo, kwaye lisebenzise umgaqo ofanayo kuzo zonke izicelo.
Eliphi iNqaku leKhrediti Kufuneka uMseli aLifune?
Akukho ukuqhawula jikelele. Umgca ofanelekileyo uxhomekeke kwimveliso yakho yesikwereka, ikhwithi yakho yengozi, neemarike yakho. Umseli wezimali zamanqanava ozisebenzisela abaseli okokuqala ngenjongo uziqinisekisa amanqaku aphantsi ngokufanelekileyo kunebhanki yeqhwithela yezinkcukacha kwaye limisela ixabiso kengozi engezelelweyo. Misela inqanaba lwakho ngebhizinisi lakho endaweni yokuthatha indlela eqhelekileyo yebhande.
Isishwankathelo
Inqaku lekhrediti lixabisa izinto ezintlanu kwenani elinye: ukuzihlawulisa ngokwenene komseli (malunga ne-35 yepesenti), mingakanani abayibolekayo ngokuchasene nemida yabo (malunga ne-30 yepesenti), ixesha elide abathe baboieka ngalo (15 yepesenti), uxinano lwekhrediti abalawulayo (10 yepesenti), nokubona kuba nini batshele ikhrediti entsha (10 yepesenti). Funda la malungu, unokufunda ingozi.
Kodwa inqaku intlabatho kuphela yesigqibo sokuboleka. Umsebenzi wangempela ngukudibanisa nemali, ukufikelela, nenkcazelo, kwaye, apho amabhiro enciphile, idatha eyenye — emva koko lisebenzise eso sigwebo ngokuqhubekekayo kuzo zonke izicelo kwaye ujonga zonke izikwereka emva kokubalwa.
Ukuqhubekeka oku yinto isoftware eyakhiweyo ivelisa yona. I-Lendbox ihlanganisa amanqaku engozi yekhrediti axhasiweyo yi-AI novavanyo lolwaphulo-mthetho nokulandelwa kwentlawulo ngokuzenzela, iizaziso zemizila emininzi, nesiportal sikabaseli, ukuze iqela lakho livaluvaluye ingozi ngendlela efanayo ngaxa lonke kwaye lilawule zonke izikwereka kwiplatform enye.
Qala ithrayin yakho yasimahla okanye uphande uluhlu lwezinto ezipheleleyo ukubona indlela i-Lendbox ilawula ngayo ingozi yekhrediti kubaseli abakhulayo.