Momwe Mungakulitsire Ngongole Zanu Mwachangu
Chomwe chimapangitsa kuti ndikwaniritse ngongole yanga m'masiku 30 okha ndikuchepa kwa index yanga ya Kugwiritsa ntchito ngongole . Ndachepetsa magwiritsidwe anga ndi 19%!
Ndidachita m'njira ziwiri: Choyamba, ndinali kulipira ndalama zochulukirapo kuposa zomwe ndimalipira ngongole zanga (zomwe ndimachita komabe, koma ndidapita patsogolo kuposa masiku onse, pafupifupi $ 25 kuposa momwe zimafunikira) . Pambuyo pake, nthawi yomweyo ndidakulitsa ngongole yangayo yomwe inali theka pa akaunti yanga yapa kirediti kadi povomera kukweza ngongole pa akaunti yanga. Ndikulangiza kuti aliyense atenge mwayi wanu wowonjezerapo ngongole, ngati alipo, ingokhalani anzeru osagwiritsa ntchito!
Ndikulimbikitsidwa kuti mulembetse kuti muwonjezere ngongole kamodzi pa miyezi 6-12. Chifukwa chiyani? Zimathandizira ndi kuchuluka kwanu kogwiritsa ntchito ngongole, zomwe zimathandizira kuchuluka kwanu kwa ngongole. Chiwerengero chogwiritsa ntchito ngongole ndi kuchuluka kwa ngongole zomwe mwagawa ndi kuchuluka kwa ngongole zomwe zakupatsani. Lowetsani muakaunti yanu ya kirediti kadi pa intaneti kuti muwone ngati pali pempho la ngongole lomwe likukuyembekezerani, kapena imbani nambala kumbuyo kwa khadi lanu kuti mudziwe zambiri pazomwe mungasankhe.
Mulingo wogwiritsa ntchito ndi 30% kapena kuchepera paakaunti iliyonse payokha komanso pamaakaunti onse ophatikizidwa.
China chachikulu chomwe chimandithandizira ndi mbiri yanga yolipira yakanthawi. Malinga ndi Karma Mawu, ndili ndi mbiri ya 100% yolipira mosasinthasintha komanso munthawi yake. Sindingathe kuphonya zolipiritsa posunga kalendala yanga yolipirira, yomwe imandiuza nthawi yomwe ngongole zanga zonse zidzayenera kulipidwa. Ndinaikapo zikumbutso sabata imodzi pasadakhale kuti ndilandire zolakwa zilizonse.
Kungakhale kothandiza kwambiri kukhazikitsa zolipira kumayambiriro kwa mwezi kumaakaunti anu onse omwe amalola mwayiwu kuti musadandaule nawo mwezi wonse. Ngati ndalama zanu ndizokhazikika ndipo akaunti yanu siyiyenda zero, ndikulimbikitsani kuti mupange ndalama zokhazokha zolipirira pamwezi.
Momwe mungakulitsire ngongole yanu yapa 100
Tsutsani zidziwitso zoyipa pa lipoti lanu la ngongole
Ngati ngongole yanu yangongole idatsika kuposa ma 100 chifukwa chakuwonjezera mbiri zina zolakwika ku lipoti lanu la ngongole, akuti kuyerekezera izi kungapangitse kuti muwonjezere mfundo zopitilira 100. Maofesi a ngongole adzachotsa zomwe mukutsutsa zomwe mukuwonetsa kuti sizolondola kapena zomwe woperekayo sangatsimikizire.
Yembekezani zolemba zoyipa kuti zisatayike mu lipoti lanu la ngongole
Zomwe zili pa malipoti anu a ngongole sizikhala pamenepo kwamuyaya. Zolemba zoyipa zimakhala zakale kwambiri kuti zisaphatikizidwe patatha zaka 7 mpaka 10. Chifukwa chake anthu omwe adakumana ndi mavuto panthawi yazachuma chachikulu, koma agwiritsa ntchito ngongole mosamala kuyambira pamenepo, awona kusintha kwakukula kwamakongoletsedwe awo posachedwa.
Pezani ndalama zomwe mwalandira mochedwa
Kusunga maakaunti omwe adalipo kale kuti asadutseko, kuthetseratu maakaunti a zopereka, ndikupangitsanso kuti ngongole zanu zibwererenso bwino kumatha kubweretsa phindu pazambiri zanu. Izi ndizowona makamaka mukawona kuwonongeka kwamaphunziro a ngongole omwe mukupewa.
Pindulani ndi kusintha kwa malipoti okongoletsa ngongole
Mu Julayi 2017, zosintha pazomwe amafunikira pazamaofesi akuluakulu zidapangitsa kuti milandu yambiri yamsonkho komanso milandu yaboma ichotsedwe pamalipoti a kasitomala. Zotsatira zake, munthu wamba yemwe adakhudzidwa adawona kuchuluka kwawo kwa ngongole kungokwera ndi mfundo 10 zokha.
Koma 0,7% ya anthu omwe adayamba ndi 621-640 adawona kuwonjezeka kwa mfundo pafupifupi 100 pomwe zibodza zonse ndi ziweruzo zidachotsedwa pamalipoti awo andalama, malinga ndi VantageScore. Zomwezi zidachitikanso ndi anthu 0,2% omwe adayamba ndi 641-660 ndipo 0.1% ya anthu omwe adayamba ndi 541-560.
Ngakhale ngongole yanu yangongole ikakwera ndi mfundo 100 usiku, simudzazindikira kwakanthawi ndi masamba ambiri aulere, omwe amasinthidwa sabata iliyonse, mwezi uliwonse, kapena kotala.
Komabe, ndikofunikira kutsimikizira kuti kuwerengera bwino ngongole sikungokhala kwakanthawi. Zambiri za ngongole zimapindulitsa magwiridwe antchito nthawi yayitali. Chifukwa chake kulipira ngongole zanu munthawi yake, kusunga ngongole zanu zochepa, ndikuwongolera ndalama mosamala mwezi ndi mwezi ndiyo njira yabwino kwambiri yopangira ngongole ndikusunga bwino kwambiri.
Koma pali malo apakati, mwamwayi. Zambiri zandalama zimawonjezeka nthawi ndi nthawi paulendo wanu wopita pang'onopang'ono. Chifukwa chake ngati mukufuna mbiri yabwino posachedwa, pali zomwe mungachite kuti magoli anu awonekere m'masiku 30 kapena ochepera.
Makamaka, kuchepetsa kugwiritsa ntchito kwanu ngongole ndi njira imodzi yosavuta yowonjezerera ngongole yanu pasanathe mwezi umodzi. Sizingakupatseni chiwonjezeko cha 100, koma zibala zipatso. Ndipo pali njira zitatu zochitira. Mutha kuwononga ndalama zochepa kuposa momwe mumakhalira, kulipiritsa ndalama zambiri kuposa masiku onse, kapena kulipira ngongole yanu pafupipafupi kuposa nthawi zonse. Cholinga ndikuchepetsa ndalama zomwe mumalemba mwezi uliwonse, chifukwa njirayi sikungakupindulitseni mpaka kumapeto kwa nthawi yanu yolipira.
Nthawi zambiri, kubweza ngongole nthawi zonse kumathandizira kuchuluka kwanu, komanso zovuta zanu monga wobwereka. Muyeneranso kupewa kuyitanitsa ngongole m'miyezi yomwe musanatengere ngongole yanu pachinthu china chofunikira. Pempho lirilonse limabweretsa kufufuzidwa kovuta, komwe kumatha kuchotsa mfundo zanu pamiyezi isanu ndi umodzi.
Kodi chimawerengedwa kuti ndi ngongole yabwino bwanji?
Malinga ndi Fair, Isaac ndi Company (FICO), yemwe adalemba manambala atatu omwe amagwiritsidwa ntchito poyerekeza chiwongola dzanja chanu, kuchuluka kwake kumawonjezera ngongole yanu. Mapepala a FICO amakhala pakati pa 300 mpaka 850. MyFICO.com akuti chindapusa chabwino chili mgulu la 670-739.
Ngongole yanu yapangidwa zinthu zisanu zosiyana zomwe zimakhudza kuchuluka kwanu munjira ina.
- 35% Mbiri yakulipira: Iyi ndi mbiri ya zolipira zanu kumaakaunti onse munthawi ya akauntiyi. Ganizirani izi ngati lipoti la ndalama zanu.
- 30% Ndalama zolipira: Izi ndi zomwe zimapangitsa kuchuluka kwanu kogwiritsa ntchito ngongole. Kuti mudziwe momwe mungagwiritsire ntchito ndalama zanu, tengani ndalama zokwanira pa akaunti iliyonse ndikugawana ndi ngongole yanu yonse. Chifukwa chake kirediti kadi yomwe ili ndi $ 5,000 mzere wa ngongole womwe uli ndi $ 3,000 mu kirediti kakale ikanakhala chiwongola dzanja cha 60%, sichabwino kwenikweni.
- 15% Kutalika kwa mbiri ya ngongole: Izi zikuwona kuchuluka kwa zaka zomwe mwakhala mukukongola. Kutalika kwa mbiri yanu yakubweza ngongole yolipira bwino ndikuwongolera maakaunti bwino, zimakhala bwino.
- 10% kusakaniza ngongole Zimaphatikizapo mitundu yonse ya ngongole, monga ngongole zazing'ono, maakaunti ozungulira, ngongole za ophunzira, ngongole zanyumba, ndi zina zambiri.
- 10% ngongole yatsopano: Nthawi iliyonse mukalembera kirediti kadi kapena chobwereketsa chatsopano, amafunsidwa za lipoti lanu la ngongole.
Ndikuganiza kuti ziwongola dzanja zanga zidakwera kwambiri chifukwa kugwiritsa ntchito ngongole kumakhudza kwambiri ngongole yanga yonse. Komanso, monga tafotokozera pamwambapa, ndili ndi mbiri yabwino yolipira, yomwe imapanga kuchuluka kwanga kwa ngongole zonse.
Malingaliro a ngongole
Ngongole Karma imagwiritsa ntchito Kusintha ndipo Equifax pazambiri zanu zangongole. Popeza mitundu yonse yamalingaliro siyofanana, mavoti anga atha kusintha mosiyanasiyana ndi maofesi ena akuluakulu obwereketsa ngongole, Wodziwa bwino . Ndikuganiza kuti ndikofunikanso kutsindika kuti mutha kuchita ndendende zomwe ndachita, koma mayikidwe anu sangasinthe chimodzimodzi. Zolemba za aliyense zimakhudzidwa m'njira zosiyanasiyana, ngakhale mwina mukuchita zomwezo. Zikumveka zosokoneza? Osadandaula, ndizo. Nazi zitsanzo za momwe izi zingachitikire:
- Ngati Jane ali ndi mbiri yabwino yolipira, koma kuyiwala kulipira ngongole yake kwa mwezi umodzi, mphambu zake sizingakhudzidwe mofanana ndi Megan, yemwe amalandila mochedwa lipoti lake. M'malo mwake, chifukwa cha mbiri yabwino yolipira ya Jane, mutha kuyimbira foni omwe amakupatsani ma kirediti kadi ndikukufotokozerani zomwe zidachitika kuti awone ngati angaganize zosapereka malipiridwe kumalo osungira ngongole. Megan, kumbali inayo, mwina sangathe kuthana ndi izi ngakhale atayesetsa motani, atapatsidwa mbiri yakale.
- Kufunsa mafunso okhwima kungakhudze kuchuluka kwanu kwa ngongole pakati pa 4 ndi 10 mfundo iliyonse. Ngati John akulemba fomu, koma ndikufunsanso kachitatu m'masiku 30, mphambu zake zikuyenera kutsika kuposa za Jeff, yemwe adangomaliza pulogalamu imodzi yokha masiku 30.
- Tiyerekeze kuti Jason ndi Betsy adakweza ngongole zawo ndi $ 500. Jason adatsala ndi zero, ndiye kuti tsopano ali ndi ndalama zokwana $ 1,000 zomwe sizikugwiritsidwa ntchito. Ngongole ya Betsy idakwera $ 500, motero kukulitsa ngongole yatsopano kumangomupatsa $ 500 mu ngongole zomwe zilipo. Chifukwa chake, onse adachitanso chimodzimodzi koma adzakhala ndi zotsatira zosiyana.
Zamkatimu
- Momwe Mungakulitsire Ngongole Zanu Mwachangu
- Momwe mungakulitsire ngongole yanu yapa 100
- Tsutsani zidziwitso zoyipa pa lipoti lanu la ngongole
- Yembekezani zolemba zoyipa kuti zisatayike mu lipoti lanu la ngongole
- Pezani ndalama zomwe mwalandira mochedwa
- Pindulani ndi kusintha kwa malipoti okongoletsa ngongole
- Kodi chimawerengedwa kuti ndi ngongole yabwino bwanji?
- Malingaliro a ngongole
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