UKUBA nesikweletu futhi usikhokhele kahle kuyajabulisa uma emabhange sebethi: “Ukuze uthole isikweletu sokuthenga imoto noma indlu, sidinga ube nezinye izikweletu.”
Ongoti baveza ukuthi kubalulekile ukuthi ube nomlando wokuphathwa kwezikweletu uma ufuna ukuthola esinye isikweletu.
Umlando omuhle wendlela ophatha ngayo izikweletu unomthelela kwiCredit Score okuyiyona amabhange ayibhekayo uma efuna ukukunika isikweletu.
Kuba namaphuzu owatholayo akhombisa ubuhle nobubi bokuziphatha ezikweletini.
“Ukwenza umlando kungaba kuhle futhi kungaba kubi.”
Okubi yilapho uvula izikweletu eziningi uhluleke ukuzikhokhela bese wenza umlando wokuthi uyisehluleki ekuphatheni izikweletu.
Umlando omuhle wenzeka uma:
- Uvula izikweletu ezibalulekile ezifana nomshwalense wempilo iLife Cover owukhokhela nyanga zonke noma iMedical Aid.
- Ukuvula izikweletu ozokwazi ukuzimela nyanga zonke emalini oyiholayo. Emalini oyihola ngenyanga, akumele izikweletu zithathe ngaphezulu kwengxenye yomholo wakho. Lokhu kubukwa ngamabhange njengesimo esingaguquka kalula sibe yingozi ngokwemali.
- Ukukhokhela izikweletu nyanga zonke. Lowo okhokhela isikweletu nyanga zonke angeqi ngisho nenyanga eyodwa ubonakala enamathuba amancane okuba yingozi ngokwezikweletu. Kubalulekile ukukhokha leyo mali ebekwe ngokunike isikweletu ukuthi uyikhokhe nyanga zonke.
Ukukhokha imali engaphansi kwesivumelwano kubi kanti
nokukhokha imali engafani nyanga zonke, kukhombisa ukuthi awuyiphethe ngendlela imali. Okunye okulimaza abantu wukukhokha imali enkulu inyanga eyodwa bese uyajomba izinyanga ungakhokhi bese ubuya usuzokhokha imali enkulu usuvala umgodi wesikweletu.
Uma ubheka udaba lweCredit Score, izindawo lapho kugcinwa khona amagama abahlulwa yizikweletu, iCredit Bureau, basebenzisa amaphuzu aphakathi kuka-300 kuya ku-850:
- Uma une-score esiphansi usuke unamaphuzu aphakathi kuka-300 kuya ku-579
- Uma une-score esikahle esiphakathi nendawo usuke unamaphuzu aphakathi kuka-580 kuya ku-669
- Uma une-score esihle kakhulu usuke unamaphuzu angaphezulu kuka- 700
Kubalulekile ukuqinisekisa ukuthi i-score sakho uhlale usibheka ukuthi simi kanjani noma kanye ezinyangeni ezintathu.