11/28/2023

Kutanga rwendo rwevaridzi vemba kunopa mubvunzo wakakosha: Ndechipi chibodzwa chechikwereti chaunoda kutenga imba?Kufambisa kuomarara kwezvikwereti zvibodzwa mumamiriro ekutenga imba kwakakosha.Iri gwara rakazara rinovavarira kuburitsa zvakaomesesa, ichipa ruzivo rwakakosha uye matipi anoshanda kuti akupe simba mukutsvaga kwezvinangwa zvako zvevaridzi vemba.

Decoding the Essence of Credit Scores

Chikwereti Chibodzwa Zvinokosha:

Pakati payo, kiredhiti chibodzwa chinoshanda sechiratidzo chenhamba chekwereti yemunhu, ichifukidza nhoroondo yavo yechikwereti uye maitiro emari.MuUnited States, chibodzwa cheFICO, kubva pa300 kusvika pa850, chinomira semucherechedzo mukuru wezvibodzwa.

Impact paKutenga Imba:

Kukosha kwechikwereti chako kunoonekwa zvakanyanya mukubvumidzwa kwemortgage.Vanokweretesa vanowedzera chibodzwa ichi kuti vaone njodzi ine chekuita nekukweretesa kwauri.Chikwereti chepamusoro chinowanzo shandura kune mamwe mazwi embavha, achipesvedzera mibairo uye sarudzo dzechikwereti.

Kufamba neCredit Score Spectrum

Zvakanakisa (800-850):

Vanhu vane kiredhiti yakanakisa bask mune yakanakira mari yezvikwereti uye mareti emubereko.Nhoroondo yavo yechikwereti inoratidzirwa nekugara kwenguva refu, kusakwana, uye zvishoma zviitiko zvekunonoka kubhadhara kana kushandisa kiredhiti.

Zvakanaka kwazvo (740-799):

Avo vari muchikamu chechikwereti chakanakisa vachiri kunakidzwa nezvinzvimbo, vanokodzera kutemerwa zvikwereti zvemba uye makwikwi emitengo yemhindu.

Zvakanaka (670-739):

Chibodzwa chakanaka chechikwereti chinoreva nhoroondo yakasimba yechikwereti, ichibvumira vanokwereta kuti vagare vachichengetedza imba.Nekudaro, mazwi anogona kunge asina kunaka seaya ane zvibodzwa zvepamusoro.

Zvakanaka (580-669):

Muchikamu chechikwereti chakanaka, vanokwereta vanogona kutarisana nematambudziko echikwereti.Kunyange zvazvo kuwana chikwereti chemba kuchikwanisika, mitemo ingangove isingafadzi, uye mibairo yakakwirira.

Varombo (300-579):

Vanhu vane chikwereti chakashata vanosangana nezvipingamupinyi zvakakura pakuwana imba yemba.Vanokweretesa vangavaona sevakwereti vane ngozi huru, zvichiita kuti mashoko akanaka asave nyore.

Minimum Credit Score kune Akasiyana-siyana Chikwereti Type

Zvikwereti Zvakajairika:

Kune zvikwereti zvakajairika, kiredhiti kiredhiti ye620 inowanzodiwa.Nekudaro, kuvavarira zvibodzwa zve740 kana kupfuura zvinokurudzirwa kune mamwe mazwi akanaka.

FHA Zvikwereti:

Zvikwereti zveFHA zvinoratidza kurerukirwa kwakawanda, zvichibvumira vanokwereta vane chikwereti chakaderera se500 kuti vakwanise.Asi, zvibodzwa zve580 kana kupfuura zviri nani pakubhadhara kwakaderera.

VA Zvikwereti:

Zvikwereti zveVA, zvakagadzirirwa veterans uye nhengo dzemauto dzinoshanda, dzinowanzoratidza zvinochinjika zvinodikanwa zvechikwereti.Kunyange pasina hushoma hwepamutemo, mamakisi ari pamusoro pe620 anowanzo kurudzirwa.

USDA Zvikwereti:

Zvikwereti zveUSDA, zvakagadzirirwa vakwereti vane mari yakaderera kusvika pakati nepakati kumaruwa, zvinowanzoda kiredhiti ye640 kana kupfuura.

Kukwidziridza Chikwereti Chako cheKutenga Kumba

1. Tarisa Chikwereti Chako Chirevo:

• Gara uchiongorora rondedzero yako yechikwereti kana paine zvikanganiso.
• Kurumidza kupokana chero zvisiri izvo kuti uve nechokwadi chekumiririrwa kwechokwadi kwenhoroondo yako yechikwereti.

2. Kubhadhara Panguva:

• Ita tsika yekubhadhara mabhiri ese nenguva kuti ugadzire nhoroondo yekubhadhara yakanaka.
• Funga kumisikidza kubhadhara otomatiki kuderedza njodzi yekupotsa mazuva ekufanirwa.

3. Deredza Chikwereti Chiripo:

• Edza kuderedza zvikwereti zvekadhi rechikwereti uye chikwereti chose.
• Chengetedza kushandiswa kwechikwereti pasi pe30% yemutengo wako wechikwereti.

4. Dzivisa Kuvhura Matsetse Matsva eChikwereti:

• Kuvhura maakaundi matsva echikwereti kunogona kudzikisa kiredhiti yako kwekanguva.
• Deredza kubvunza kutsva kwechikwereti, kunyanya padyo nemaitiro ekutenga imba.

5. Bata neCredit Counselor:

• Kana zvichidikanwa, tsvaga nhungamiro kubva kune chipangamazano chechikwereti kuti ugadzire hurongwa hwakaenderana hwekuvandudza.

Mhedziso

Mukupedzisa, chikamu chechikwereti chinodiwa pakutenga imba chinoenderana nezvinhu zvakasiyana, kusanganisira rudzi rwechikwereti uye zvinodiwa nemukweretesi.Nepo mamwe mapurogiramu echikwereti achigamuchira yakaderera kiredhiti zvibodzwa, kushuvira zvibodzwa zvepamusoro zvakanyanya kukwidziridza kugona kwako kuchengetedza mari yechikwereti.Kugara uchitarisa kiredhiti yako, nekukasira kugadzirisa chero mutsauko, uye kutora maitiro ezvemari ane hunyanzvi matanho anobatsira kuti uwane yako yaunoda kiredhiti mamakisi uye, nekudaro, kuzadzisa chiroto chako chekuva muridzi wemba.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.