Imbali Credit nokuba kangakanani igcinwe phi?

Eli nqaku isixelela indlela iminyaka emininzi igcinwe imbali yekhredithi, ityhila kanye ingqiqo imbali, apho ungafumana ulwazi malunga uxwebhu nokuba uxwebhu iinkonzo okulungisa.

Yintoni imbali yekhredithi?

Ngaphambi kokuba siphendule lo mbuzo, wobeka phi igcinwa imbali yekhredithi, makhe kujongana imbono. imbali Credit - iseti ulwazi malunga umboleki ezithile, egcine kwaye lokuhlawula imali-mboleko, ubukho amatyala amabi engahlawulwanga. Kufuneka wathi nabo abahlawuli berhafu abaye bahlawulwa ngempumelelo semali-mboleko ngaphandle kokulibazisa, kufuneka BCH imbali ngetyala.

Imbali iqala ukuba ifomu kwisicelo sokuqala semali-mboleko ebhankini. Icandelo elinomxholo iqulathe ulwazi olusisiseko malunga umntu phezu yokundwendwela, inombolo-inshorensi pension, inombolo yesazisi yerhafu. Eli candelo yesibini voluminous ngakumbi, ukusukela ukuba oku kulapho lwazi zigcinwe amatyala enkundla kunye zihlandlo impikiswano ubudlelwane ngetyala kunye elunxwemeni. Umgangatho kwicandelo lesibini data echaphazela ukuma ngetyala yesifundo ngasinye. Icandelo lokugqibela iphantsi lock, kuba iqulathe inkcazelo yabucala malunga ababhali kunye nesicelo nezongezo ibali.

phi ndibona ibali lakho?

Ukuba ufuna ukufumana imbali yakho yekhredithi, kufuneka usebenzise le resource lebhanki engundoqo eli lizwe, ukuze acacise apho kwiziko ethile imbali yekhredithi, wobeka phi na uxwebhu igcinwe, njalo-njalo. Unako kwakhona ukuthumela uphando nge e-mail, ezicacisa ikhowudi amabali ngamnye. Code yabelwa ngoko nangoko emva kokuba nokubhaliswa kwesivumelwano sentengo yemboleko, njengoko uninzi abasebenzi iinkonzo zebhanki nje tu. Office i unomsebenzi wokuxela ngesicelo umntu malunga nobume betyala lwemo. A ummi unelungelo omnye unyaka simahla zokufumana ulwazi kwimbali ngetyala. Ibali okanye uthumele ukuba idilesi ye email okubhaliwe okanye nge email. ixesha umbuzo processing ziintsuku ezili-10. imibuzo ephindiwyo yenziwa qho ihlawulwe.

Ungenza isicelo kulo naliphi na ibhunga elijongene nokuthengwa ngetyala okanye ibhanki inkonzo. Ukuba isicelo ithunyelwe ngeposi, amaxwebhu kufuneka ukuba kubameli ulinde impendulo kunye mail.

Kuya kude kube nini kuhlala kwinkumbulo?

Ukuphendula umbuzo, wobeka phi igcinwa kwimbali credit bureau, kufuneka wathi ulwazi umthengi nganye zigcinwe kwidathabheyisi iminyaka elishumi elinesihlanu ukusukela kumhla yokungena lokugqibela, yaye ngoko ke idatha isusiwe. Loo ixesha elide ngenxa imfuneko yokuba amaziko zebhanki ukuthobela mngcipheko imithetho ukuncitshiswa xa kokukhupha mboleko. Impendulo yalo mbuzo, indlela igcinwa imbali elibi kwicala lamatyala, kuya kuba njalo - ubuncinane iminyaka eli-15. Ekugqityweni minyaka elinesihlanu iinkcukacha zembali ukuhlaziywa, nto leyo enika ithuba bonile sicelo sigqibo ukusuka elunxwemeni.

I data kwi umxhasi ifumaneka kuphela amaziko amatyala, kwakunye nee-arhente zokunyanzeliswa komthetho oqhuba iinkqubo ezithile ngokuphathelele kwesi sifundo.

Yintoni credit bureau?

I-Bureau iziko ngegunya esivakalayo izenzo nokwenza umsebenzi ngokunxulumene kwimbali ngetyala abantu. Kukho ii-arhente ezininzi ezisemthethweni zimelwe kwirejista karhulumente.

Ababoleka badla uyazibuza apho BCH ulwazi ukholo lwabo okulungileyo malunga nokuhlawulwa mboleko, nkqu baqale ukwenza izikhalazo malunga nokusasazwa kolwazi zabucala. Noko ke, bayalibala ukuba bona baye faka uphawu kule mvumelwano efanelekileyo ngetyala. Idatha malunga mboleki bangena database, kufuneka bawuvumele lo ukuqokelela, ukuhlela kunye nokusasazwa kolwazi. Umxhamli unakho akavumelani, kodwa lo mzekelo amathuba ayo okufumana i imvume mboleko zincinane.

Umntu unakho kwakhona ukufaka isicelo kwiKhathalogu Central phantsi kweliso Central Bank ukuze afumane ulwazi apho iivenkile kunye neenkqubo-Bureau of data yayo. Ukuba umboleki sele ihlawulwe kakuhle izinto ezihlawulwayo, ufanele ube nomdla kuloo ulwazi malunga iikhredithi wokuvala beza isiseko data ye Bureau. Ibhanki umboleki unyanzelekile ukuba ukunika ingcaciso ezigcinwe kwi-ofisi, kuzo zonke iimveliso ezivaliweyo ngemiyinge emincinci, ngokwesicelo.

Ngaba kunokwenzeka ukuba balahle amangeniso okungeyomfuneko kwimbali?

Abahlali abaninzi ngempazamo abakholelwa ukuba CRAs ayizozakhiwo zorhwebo, ngoko nabo ngexabiso elithile, ungafumana uqhagamshelana kunye nembali ngokucacileyo ukususela siganeko umonakalo. Kodwa akunjalo. Phezu isicelo akakwazi ukuba imbali omhlophe ngetyala. Ingakanani inkcazelo zigcinwe kwidathabheyisi, kwaye baninzi abaya kuhlala kangangeminyaka eli-15. Le nkqubo yenzelwe ukuba akukho naliphi na ithuba ukutshintsha ngandlel ulwazi zembali. Ukuba mboleki kwaye zinika iinkonzo ezinjalo, oko kuthetha ukujongana imigulukudu, enqwenela imali kwi intswela umthengi ombhabhamo obutsha. Inye kuphela ithuba izilungiso ibali - ukuba ezi zibakala asiyonyani.

Ukuba data ezimbi banikwa amaxwebhu isigqibo (ezifana umyalelo wenkundla), UMboleki kuphela ixesha elindileyo - minyaka-elinesihlanu, emva koko ulwazi izakucinywa. Ukuba kukho amathandabuzo malunga nokunyaniseka isiboniso data, kuyimfuneko ukuba libhekisela utshintsho umthombo weenkcukacha kunye nezongezelelo, umzekelo, enkundleni ngenxa umngeni isigqibo.

Ndisenako wabalungisa njani imbali yekhredithi?

Ukuba umntu ngamnye kwiimpikiswano engenakuphikwa impazamo kwi-database, kufuneka axele, ukuze kwiziko lamatyala. Iziko liya kuqesha itshekhi inkonzo zingaphelanga iintsuku ezingamashumi amathathu emva kokufumana ingxelo lobuqu. BCI ngethuba uphando ngokuthumela isicelo lebhanki malunga nokufumaneka ukuchaneka amatyala angahlawulwayo. Xa scan lugqityiwe, ingcaciso iya kuhlaziywa, yaye izinto ezingachanekanga izakucinywa. Phezu isicelo kufuneka anikwe Isigqibo esibhaliweyo kunye nenkcazo eneenkcukacha.

Umboleki unako isicelo kwakhona ngqo ebhankini, ukuba uyazi ukuba kwenzeke impazamo ezenziwayo kweli ziko ethile ngetyala. Ukuze wenze oku, kufuneka unikeze ileta yesicelo kwintloko igama yebhanki leyo.

Ababoleka kufuneka sikhumbule ukuba ibhanki, kakade, imbali ebalulekileyo ngetyala. Zingaphi ilondoloza imbali, uyazi imfuneko, kodwa oko akuthethi ukuba kukho ukulibaziseka incinane ebhankini koko athumele ingxelo embi kwi CRB. Bank de kutshanje ukuba bakhunjuzwe ityala ngaphandle kokwenza naziphi na izinto emazongezwe. Kwakhona, ngaphambi kokuba ukuphakuzela ukubuza umbuzo "kangakanani ityala imbali igcinwa?", Uyazi wena ukuba iibhanki kufuneka ezabo parameters zabo kwisithuba "emhlophe", ukuze imvume ngetyala. Umzekelo, ukuba ibe umboleki kwakungekho mboleko ingxaki kule minyaka mithathu idlulileyo, kusenokwenzeka ukuba iBhanki yanelisekile.