E pā hītori nama te taurewa me mehemea tika kia zaeschikom ihupuku?

Ki te ariā o "hītori tāwere" Me kia waia noa ki te hunga tangata e kore i mua kua he kaitono pūtahi pūtea i teie mahana. Ko mārama kore katoa te mauri o tenei ariā, me rite ki te hua, te whenua i teie nei, a ka, i reira he tohu o te huru mākahi ki herenga moni. E ki te hītori nama tiki i te pūtea tārewa? Matou mahi ki tenei take kotahi me mo te katoa.

He aha te mea he pokapū hītori nama me te nama

Tuatahi ti'a ia tatou ki taa te ngako o te ariā o "hītori o te nama." tohu Tohunga i e pā ana ki te hawhe o te taupori kua rongo te wā, a kahore kotahi, engari e kore e matau ona tikanga, me te whakaaro o te oraraa.

hītori Credit - he raraunga pūnahanaha i runga i kiritaki o te pēke, e kua tonu haere ki nama. Ko te raraunga i homai Ingoa te nama, ana hoapā, tau tuhinga me ētahi atu mōhiohio whaiaro me te mōhiohio e pā ana ki te arotau o utu i runga i te pūtea taurewa.

hanga Raraunga rite te kāri whaiaro, whakawhitia ki te pēke i roto i te whare motuhake - te National Bureau o Credit Histories. NBCH mahi - ki te rokiroki i tenei mōhiohio, me te hanga huringa tere ka mōhiohio hou i te tangata nana i. raraunga katoa riro i tetahi wa ranei tetahi, e whiwhi me e wātea ana i runga i te tono o te pēke te nama ranei.

Ngā momo o Credit Histories

I mua i miharo ahakoa pānga hītori nama te taurewa, utu tūhura i te momo o ngā kōrero o te nama. Anga ke ki te whakapono rongonui, e kore e wehea hītori nama ki 2 momo - pai, me te kino, a ko te hunga i rite wha.

1. hītori nama Excellent - ko te raraunga e pā ana ki te nama, e kore e nei i hanga te takaware kotahi i runga i loans, e rua o nāianei, me te pirau. Tenei kiritaki - he painga tena mo te whare pūtea. He pai ki te whakarato i te pūtea taurewa rite, kahore i te uiui nama me i te tere iti, rite whakarite reira mōrea iti o te taunoa o te nama Banks.

2. He hītori nama pai - ko reira ano hoki he kōwhiringa pai mo te whare pūtea. tikanga o tēnei e whakaaetia iwi e kotahi-wā ai'ema wā ranei o utunga mō te kotahi e rave rahi e aore ra. Hei tauira, kia mohio ai i roto i te tahi mau whakahaere rite te nama Kamupiri utu taurewa tōmuri bona i tetahi pareparenga ki runga ki te marama.

3. pakaru hītori nama. Takaware, e pumau hoki 5-6 ra ake ranei, a ki reira he auau - ko reira he take ki te ruarua tetahi pareparenga. Hoki etahi tino tono pūtahi pūtea ka whakaaro hītori kino: o te nama, nei i te ai'ema o utunga mo te wā o te 1 ki te 30 ra, me te utu i te taurewa e i roto i ki tonu i runga i te wā.

4. hītori nama Bad - ko te kōwhiringa tino mahue tenei. Ēnei ngā loans kino, i te mea rite ki te whakawhiti ki ngā rōpū tuatoru te pēke, e ko te ki ngā pokapū kohinga. Ka rite ki te tikanga, e mōhiotia ana te taurewa e Aue ina kua ngaro koe i te wā utu o 90 nga ra. e kore he utu reira te pātai o te whiwhi i te taurewa i roto i tenei take - te reira taea noa.

He reira taea ki te tiki i te pūtea tārewa ki te hītori nama tūkinotia?

Ka taea e Tū te tiki i te pūtea taurewa, me te nama defaulting. He NBCH maha ngā tari, na e kore e whakahoutia tonu te kōrero tere me i ki tonu i. Ko te kupu, i reira he take ina riro mōhio te moni e kore nga kohakore katoa o te nama pea.

E pā hītori nama te pūtea tārewa ki te hoko i te motokā ranei he fare, ki te mohio te nama kei te rite taurite? O te akoranga, i roto i ngā take pērā tatau i runga i te tinana o te haki pēke ta'etokanga raraunga NBCH ranei e kore te mea e tika ana. Mortgages me aunoa loans - nui whakawhitinga pūtea, me i roto i te āhuatanga ōhanga o nāianei, e pea ki te haere ki te tūpono taua pareparenga.

Ko wai homai loans ki ngā kaitono e ki hītori kino:?

I te tahi taime mārire haere te pēke ki te mahi ki ngā kaitono e nanakia, ranei tino kumea te taurewa, kahore arowhai hītori nama. Tenei tupu ina he hiahia i roto i te whakatairanga o ngā ratonga hou te kautaha fakapa'anga, me te whakarato i te nui iti o tetahi me kiritaki katoa. e kore e reiti Interest me ētahi atu tikanga i roto i ngā take pērā whakaaro te pai tino.

Tenei tupu ka whakatuwhera i te pēke hou. I roto i te kaha ki te hanga i te turanga kiritaki mateaki ki te kaituku pā ki te tangata katoa e pā mo te awhina, kahore titiro i taea nga hara o mua.

Ētahi tangata i roto i te rapu mo te whare pūtea, e ka mahi tahi ki te kiritaki hao, tahuri ratou whakarongo ki taurewa. e kore te mea nui hītori Credit mo MFIs, engari utu ratou mo o ratou mōrea o taunoa ngä päpätanga huamoni extortionate me kōmihana. I tua atu, kei te whakaaro enei kaituku āhua-ture, me ētahi wā he pāme ratou.

Te kore o te hītori nama - he reira pai?

Huri i te reira i roto i taua mana kia kore noa pahuatia whakatau o te pēke ranei hītori nama pai, engari ano hoki tona ngaro. Ki te kore te nama heke mai hangaia i mua nga whiwhinga me kore e hanga utu, e kore e ara te aroaro o te whakaū moni e taea te mahi kia rite ki te tiai o tona kawenga, me te itoito. he meá hoki te kiritaki pēke hoki te reira.

Na maha i roto i te ngaro o te hītori nama BKI taea e he take whakatakotoria mo te kore. He aha ki te mahi? Tohunga tohutohu ki te tīmata ki te hanga i hītori. Ki te mahi i tenei, tuu i te taurewa iti kahore tiwhikete. E whai whakaritenga kiritaki turanga pēke kore ki te tiki i te makanga.

I roto i te mutunga

E ki te hītori nama tiki i te pūtea tārewa? O te akoranga! Ko te meka ko e pā te whakarau o te nama o tona hītori taea e rua pai, me te tōraro. E ti'araa to te iwi ihupuku ki te taiva ore, me te pareparenga tikanga pai. Ko te nama, e pahuatia tona kōrero e taea whakauaua tumanako hoki ngawari pono kautaha fakapa'anga, me te pono i tetahi kaituku tika.