Ngaphezulu kweepesenti ezingama-35 zabantu baseMelika abanengqokelela kwingxelo yabo yamatyala.Unsplash / Nik Shuliahin Iposi yeza namhlanje, kwaye wafumana isimanga esibi kuyo: ileta yokuqokelela.
Ziza kuzo zonke iintlobo zezizathu-kwaye abantu abaninzi bayazifumana. Ngaphezulu kweepesenti ezingama-35 zabantu baseMelika abanengqokelela kwingxelo yabo yekhredithi, kwaye ngaphezulu kweepesenti ezingama-70 zabadlali abaziingcali endisebenza nabo ekusebenzeni kwam banazo.
Omnye wabaqhubi abakhulu bezi ngqokelela ayinguye umntu ozama ukuphuma kwi ikhadi letyala ibhalansi okanye uphephe ukuhlawula imali mboleko yemoto-nangona ngokuqinisekileyo uya kufumana iileta zokwenza enye yezo zinto.
Amaxabiso okuqokelela ayenyuka ngenxa yokuqokelelwa kwezonyango-okuhlala kuvela kubantu abaqhelekileyo, abasebenza nzima nge i-inshurensi abangazange bazi ukuba banetyala elingekahlawulwa. Masithi wophula ingalo. Xa usiya esibhedlele, i-x-ray, ugqirha, isamente kunye nonyango lweentlungu zonke zihlawulwa ngokwahlukeneyo kwinkampani yeinshurensi. Ukuba inkampani yeinshurensi ithathe isigqibo sokungayihlawuli enye yala matyala — okanye, ngokuxhaphakileyo, igqiba ekubeni ihlawule nje isahlulo esinye — usekhoneni lokugqibela.
Ngamanye amaxesha, loo mali iyilwayo ayibonisi apho kufanelekile. Mhlawumbi iya kwidilesi endala okanye kwidilesi yomsebenzi kwifayile ye-inshurensi yakho. Okanye mhlawumbi ayithunyelwa ngeposi kwaphela.
Isiphumo?
Ileta yokuqokelela edla ngokuba yinto engenangqondo, encinci, njenge- $ 80.
Mhlawumbi ucinga ukuba ayisiyonto enkulu leyo, kodwa eso simo sengqondo sinokubangela ingxaki enkulu kwingxelo yakho yamatyala. Iingqokelela zibonisa ngathi yiflegi enkulu ebomvu-kwaye zibangela umonakalo ofanayo ukuba ziyi- $ 80 okanye i- $ 800,000.
Ufunde ngokuchanekileyo. Ayinamsebenzi ukuba ingakanani ingqokelela. Inyaniso yokuba wena ndiyifumene ileta yenza umonakalo. Kwaye umonakalo buhlungu. Ukuba awunayo ingqokelela kwingxelo yakho, eyokuqala oyifumanayo iya kuba nefuthe kumanqaku akho ngamanqaku angama-70 ukuya kwali-100. Oko kuthetha ukuba unamanqaku kuluhlu oluhle, yithi 720, uza kubethwa yonke indlela uye kumhlaba ophambili kwii-650s.
Ezinye iindlela abathengi bafumana ukutyiwa yingqokelela ngaphandle kokuqonda okwenzekayo kukuqeshiswa kweemoto kunye namatyala asetyenziswayo. Amaxesha amaninzi, abantu baya kujika kwimoto eqeshiweyo emva koko bafumane uhlengahlengiso-apho inkampani yokuqeshisa ibanga ukuba imoto ibuyisiwe inxibe ngakumbi kunokuba ivunyelwe. Ungasifumana okanye ungasifumani isitatimenti soko. Ukuba awukwenzi oko, inkampani yokuqeshisa iya kuyibetha ingxelo yakho yekhredithi ngobugwenxa kwaye ikuthumele ileta yokuqokelela. Ukuhamba yenye indlela yokuphazamisa inkqubo. Ukuba uyirhoxisile intambo yakho ngenxa yokuhamba kwaye unemali eseleyo, loo ntsalela iya kuthunyelwa njengebhili yokugqibela-kwidilesi yakho endala. Ukuba awuyibhatali, uza kufumana ileta yokuqokelela.
Ukuba ulinde urhulumente ukuba enze okuthile malunga nalo, uya kulinda ixesha elide. Igqwetha likarhulumente laseNew York labhengeza indawo enkulu yokuhlawula indawo yokuhlala kunye ne-credit bureaus ekufanele ukuba ibonelele abathengi ngomgangatho ofanelekileyo wokunikwa kwengqokelela yezonyango, kodwa konke oko bakwenzayo kukwandisa ixesha elincinci abanokuzixela ngalo ukusuka kwi-90 ukuya kwi-180. iintsuku-kwaye wanika i-bureaus iminyaka emithathu yokuphumeza isicwangciso.
Hayi, kuya kufuneka uphathe le ngxaki ngokwakho-kwaye wazi ukuba kuya kukunceda njani ukuphilisa amanqaku akho etyala ngokukhawuleza. Ndiza kukunika iingcebiso, kwaye ungafunda nangakumbi ngokusebenzisa le ividiyo.