Iko mari yangu inobata purogiramu yekodhi yechikoro here?
Imari yako haibatsiri zvakanakira yako chikwereti chikoro, asi inoshandisa kukwanisa kwako kubvumidzwa. Mvumo yekubhadhara yakavakirwa pane zvimwe zvinhu, kusanganisira zvaunowana uye chikwereti chako, asi izvo zvikamu zvakatsaurwa zvepikicha.
Chikoro Chikoro
Chikwereti chiedza kuedza kufanotaura kuti ungangodaro uripira sei chikwereti, uye vanoshandisa dhenda rekare (pamusoro pekukwereta kwako) kuita izvi. Kuti uwane chikwereti chekwereti, purogiramu yemakombiyuta inopinda mumitemo yako yemarikiti ichi kutsvaga ruzivo rwakadai se:
- Kana wakakwereta mari munguva yakapfuura, uye kwenguva yakareba sei wakakwereta
- Kana iwe wakabhadhara chikwereti chako sekubvumirana
- Kana iwe wakarasikirwa nehomwe pazvikwereti zvako
- Iwe uri kushandisa sei chikwereti ( kuti uri kubhadhara mari yakawanda sei , uye ndezvipi zvekwereti iwe unoshandisa)
- Kana pane chero hurumende inorondedzera pamusoro pako inenge iripo (yakadai sokudarika kana mutongo wepamutemo pamusoro pako kubva kune wakweretesa)
- Kana iwe munguva pfupi yapfuura wakakumbira kubhadhara zvikwereti, kana kune kuve nekushandurwa kwakakura mune ipi zvayo pamusoro apa
Ruzivo rwekuongororwa runowanikwa kubva kune chikwereti chekwereti , uye inowanzopiwa nevakweretesa vamakweretesa kubva munguva yakapfuura (kana vatengi iwe ikozvino uri kukwereta kubva). Dhiyabhorosi inouyawo kubva kune mamwe masangano ekuunganidza uye zvinyorwa zvevanhu.
Zvaunowana
Mukuwedzera pakatarisa chikwereti chako, vateresi vanoda kuziva nezvekuwana mari yako. Vanobvunza pamusoro payo pane zvikwereti zvizhinji zvezvikwereti, uye mari yakawandisa dzimwe nguva inoshandiswa sechikonzero chokuramba chikwereti chechikwereti.
Vatengesi - asi kwete chikwereti scoring models - shandisa ruzivo pamusoro pemari yako yakawanda nenzira dzakasiyana-siyana.
Chikwereti kusvika kune mari yekuwana: vateresi vanoda kuziva kuti munokwanisa kubhadhara chero zvikwereti zvitsva. Mune zvimwe zviitiko, vanodiwa nemutemo kuti vaone kuti iwe unokwanisa kubhadhara. Imwe nzira yavanoita izvi ndeyokuverenga chikwereti chekuwana mari . Chikamu chako chinotarisa pamari yako yemwedzi pamwedzi kana uchienzaniswa nezvose zvako chikwereti chekubhadhara - uye chero mari inogona kubhadharwa inowanikwa pamitengo mitsva . Pamwechete, uri muhutano hwakanaka kana chikwereti chako chekuwana mari iri pasi pe 28% kusvika ku 31%.
Kugovera mienzaniso: vamwe vanokweretesa vane mienzaniso yavo yekuongorora mari yako, asi iyo mienzaniso yakasiyana nehomwe yekwereti. Imari yako ndeimwe yezvinhu zvinoshandiswa mune izvo zvinyorwa. Asi zvikoro izvi zvinoshandiswa uye zvinosiyana kubva kune chikwereti kuti zvikweretese. FICO yako chikwereti chikwereti, iyo inowanikwa zvikwereti zvinowanzoshandiswa kune zvikwereti semusha uye nemari yezvikwereti, yakawanda kana kuti isina kufanana pasinei nokuti unoenda kupi. Vatengesi vanogona kukumbira mamwe marudzi ehupenyu pamusoro pekushanda (kana kuwana dhimwe nzira imwe), iyo inopinda mumakero avo.
Sezvaunogona kuona, mari yako inowanzokosha pakugamuchirwa kune chikwereti. Zvechokwadi haisi chikamu chemari yako yekwereti yakakwana, asi izvo zvingasave zvichinetsa kana chinonyanya kukosha chiri kugamuchirwa.
Hazvikwani Mari Yakakwana?
Kana iwe usina mari yakakwana yekuwana mvumo kune chikwereti, une maitiro akawanda:
- Bhadhara chikwereti kuitira kuti avo vanodiwa mari shoma vasati vava chikamu chechikwereti chenyu chekuwana mari
- Wedzerai mari yako , zvichida nekuwana zvakawanda kana kuwedzera muturidzi wekushandira kwako (mari yavo inobvunzurudzwawo, asi izvi zvinokuvadza kumudzidzisi wako)
- Ita mari yakawanda yekubhadhara kuitira kuti zvikwereti zvako zvaunoda pamutero chikwereke