Kushandiswa kwemari uye chikwereti chako
Pane zvikamu zvishanu zvakakosha zvinokonzera chikwereti chako: chikwereti chekubhadhara (35%), chikwata chekwereti / chikwereti chekushandisa (30%), nguva yechikwereti (15%), kusanganiswa kwekwereti (10%), uye zvikwereti zvekwereti ( 10%). Kushandiswa kwekwereti kune simba guru pamakero ako emari, asi chii uye iwe ungakwanise sei kuigadzirisa kuwana chikwereti chakanaka chekwereti?
Chii chinonzi kushandisa chikwereti?
Kushandiswa kwekodzero ndiro chiyero chezvikwereti zvekadhi rako rechikwereti kune zvikwereti zvemari.
Inoyera chikamu chemari yako chikwereti chiri kushandiswa. Semuenzaniso, kana chikamu chako chiri $ 300 uye chikwereti chako chikwereti $ 1,000, ipapo chikwereti chako chekushandisa kwekadhi rechikwereti chikamu che 30%.
Kuti uverenge kushandisa kwako chikwereti kungoparadzanisa chikwereti chako chekwereti chekwereti nechikwereti chako chekwereti zvino kuwedzera ne 100. Kuderera kwako kushandisa chikwereti, zviri nani. Kushandiswa kwekwereti kuderera kunoratidza kuti uri kungoshandisa zvishoma chikwereti chawakakweretwa kwauri.
Chikwereti chenhamba yako-kusanganisira yako kushandisa mari - inotarwa zvichienderana nemashoko pamusoro pehupoti yako yemari. Nokuti ruzivo rwekadhi rechikwereti ruchavandudzwa pamutero wako wekwereti zvichibva pamitambo yekubhadhara uye kwete nguva chaiyo, chikwereti chako chikoro chingasaratidza kuchinja kwazvino ku kadhi rako rechikwereti chekwereti uye chikamu chekwereti. Pane kudaro, chikamu chemari uye chikwereti seyetsamba yako yekodha yemakadhi yekwereti ndiyo yakashandiswa kuverenga chikwereti chako chikoro.
Izvo zvikwereti zvinoshandiswa sei muzvikamu zvekwereti yako
Iko FICO yekuisa mufananidzo inotarisa chikwereti chako kushandisa muzvikamu zviviri. Kutanga, inowedzera kushandisa chikwereti kune imwe neimwe yemakadhi ako ekwereti zvakasiyana. Zvadaro, iyo inotora chikwereti chako chekushandisa mari , kureva, chiyero chemakero ako ekadhi rechikwereti uchienzaniswa nemari yako yose yemari .
Kushandiswa kwekwereti yakakura mune imwe nhengo kunogona kukuvadza chikwereti chako.
Kushandiswa kwekwereti ndeye 23% yeVantageScore , chimwe chikwata chekwereti chikwata chekuverenga, asi zvikamu zvinotarisawo zviyero zvako se 15% uye chikwereti chinowanikwa se 7 % yezvayo. Pose, chikwereti chako chekwereti chikwereti chinokanganisa 45% yeVantageScore yako.
Sei kushandiswa kwakanyanya kwakaipa?
Yeuka kuti chinangwa chekwereti chikwereti ndechokuyera mukana wekuti uchadzorera mari yawakakwereta. Zvimwe zviitiko zvinoita kuti isu tose tive nekusakosha pane zvikwereti zvekwereti. Chimwe chezvinhu izvi chikwereti chekwereti uye zvikwereti zvezvikwereti. Miyero yakakwirira yakanyanya kuoma kugona uye inogona kuratidza kuti iwe unofambidzana. Kushandisa zvakanyanya kunoderedza chikwereti chako chikwangwani uye zviratidzo kune vanotarisira vatengesi kuti kune ngozi yakawanda yekuti iwe ugovere kumashure.
Chengetedza kushandisa kwako pasi
Iwe haugone kunyengedza chikwata cheFICO mukufunga kuti kushandisa kwako chikwereti kwakaderera nekubhadhara chikwereti chako zvakakwana pamagumo emwedzi mumwe nomumwe. Kana chikamu chako chiri chakakwirira apo wako anopa mukana anotumira nhoroondo yako yekodhi kumabhadharo ebhadhara , ipapo kushandisa chikwereti chinoshandiswa mukwereti yako chikoro chichavewo chakakwirira.
Nenzira yakanaka, iwe unogona kuchengetedza mari shoma yekushandisa chikwereti nekuchengeta chikwereti chekadhi chekwereti - pasi pe30% chekwereti chako chekwereti chiri nani.
Kuti uone kuti chikwata chako chechikwereti chinoratidza kubhadhara kwekadhi yemakadhi echikwereti, iva nechokwadi chekuti bhaari yako yakaderera nekutaura kwetuti yako yekuvhara zuva (zuva raunotora bhiriro rapera). Tarisa ikozvino ikopi yemutemo wako wekubhadhara kuti uone gwaro rekutevera rekutevera rekutevera.
Kana nokuda kwechimwe chikonzero, kadhi yako yakabhadhara inoderedza chikwereti chako, zvakakosha kuderedza chikwereti chako chekadhi rechikwereti kuderedza chikwereti chako chekushandisa. Izvi zvinonyanya kuitika kana chikwereti chako chechikwereti chiri pasi kana kuti chiri pedyo nekodhi yako kadhi rechikwereti.
Nenzira yakanaka, kushandiswa kwekwereti yakakwirira hakuzokuvadzi chikwereti chako chikoro nokusingaperi. Kana uchingoderedza zvikwereti zvako zvekadhi rechikwereti (kana kuwedzera chikwereti chako), chikwereti chako chekushandisa chichaderera uye chikwereti chako chikoro chichakwira.