Yeka ukuthi isikweletu sithinta kabi kangakanani amanani omshwalense wemoto
Okuqukethwe
- Izinkampani Zomshwalense Zisisebenzisa Kanjani Isikolo Sakho Sesikweletu
- Umlando omubi wezikweletu ungakhuphula kakhulu amanani omshwalense wemoto.
- Ukuthi Ukuqothuka Kuwathinta Kanjani Amazinga Omshwalense Wezimoto
- Izinto Ezithinta Isilinganiso Somshwalense Wemoto Yakho
- Amasu okuthuthukisa ukulinganiswa komshwalense wezimoto
Umlando omubi wezikweletu wenza kube nzima ukubolekwa imoto noma ukuqashisa imoto, futhi kwenza kube nzima ukuthola umshwalense wemoto. Ezinye izinkampani zomshwalense wezimoto zizokwenyusa izinga lakho lomshwalense wezimoto uma unesikweletu esibi, kanti ezinye zithambile kulabo abanezikweletu ezimbi, okufana nendlela izinkampani zamakhadi esikweletu eziphatha ngayo abathengi ngesikweletu esibi. Izikolo zezikweletu zithinta imali ebolekiwe yezimoto, amakhadi esikweletu, imali ebolekiwe, ngisho nokuqashwa.
| Isilinganiso sekhredithi ye-FICO | |
|---|---|
| Akhawunti | Isilinganiso |
| 760 - 850 | Прекрасно |
| 700 - 759 | Qhubeka Bhala ukubuyekeza |
| 723 | Isilinganiso sesikolo se-FICO |
| 660 - 699 | Kuhle |
| 687 | Isilinganiso sesikolo se-FICO |
| 620 - 659 | Akukuhle |
| 580 - 619 | Akukuhle |
| 500 - 579 | Очень пcl |
Landela umkhondo wekhredithi yakho yomthengi noma izikolo ze-FICO usebenzisa iwebhusayithi efana ne-Credit Karma noma i-WisePiggy. Banikeza indlela yamahhala yokubona amaphuzu abalwa yi-credit bureau, kanye nemibiko yezikweletu esekelwe kuyo.
Izinkampani Zomshwalense Zisisebenzisa Kanjani Isikolo Sakho Sesikweletu
Izinkampani eziningi zomshwalense zibheka umlando wesikweletu njengento ebalulekile ekubekeni amanani omshwalense wemoto nekhaya. Zonke izifundazwe ngaphandle kweCalifornia, Massachusetts kanye neHawaii zivumela izinkampani zomshwalense ukuthi zihlole umlando wesikweletu. Izinkampani zomshwalense zisebenzisa umqondo wokuthi abantu abakhokha izikweletu zabo ngesikhathi bakhokhisa imali encane futhi ishibhile kunalabo abakhokha sekwephuzile.
Nokho, izinkampani zomshwalense azinaki amaphuzu esikweletu afanayo nababolekisi - zisebenzisa isilinganiso esidalelwe bona ngqo. Amaphuzu esikweletu asetshenziswa ababolekisi abikezela ikhono lakho lokukhokha imali ebolekiwe, kuyilapho amaphuzu omshwalense wesikweletu abikezela ukuthi uzofaka isimangalo yini.
Umlando omubi wezikweletu ungakhuphula kakhulu amanani omshwalense wemoto.
Ezifundeni ezingu-47 lapho amaphuzu akho esikweletu angathinta izindleko zomshuwalense wemoto, imiphumela yesikweletu esibi ingaba nzima. I-Insurance.com ithumele i-Quadrant Information Services ukuze iqhathanise amanani okukhava agcwele abashayeli abanesikweletu esimaphakathi noma esingcono, ikhredithi efanelekile, nekhredithi embi.
| Umehluko omaphakathi kuzilinganiso zomshwalense ngokusekelwe esilinganisweni sesikweletu | |||
|---|---|---|---|
| Inkampani Yomshwalense | Izinga lomshuwalense wesikweletu elihle kakhulu | Isilinganiso somshwalense wesikweletu | Izinga lomshwalense wesikweletu elibi |
| Ipulazi likahulumeni | $563 | $755 | $1,277 |
| Allstate | $948 | $1,078 | $1,318 |
Umehluko omaphakathi kuzilinganiso phakathi kokuhle nokwanelisayo kokufaneleka kwekhredithi ubungu-17% e-US. Umehluko phakathi kokuhle nokubi kokufanelekela isikweletu ubungama-67%.
Amaphuzu akho esikweletu angase athinte ngisho nenkokhelo ephansi edingwa yinkampani yomshwalense kanye nezinketho zokukhokha ezitholakalayo kuwe.
Ukuthi Ukuqothuka Kuwathinta Kanjani Amazinga Omshwalense Wezimoto
Ukumemezela ukuqothuka kungathinta umshwalense wakho, kodwa ukuthi kungakanani kuncike kumaphuzu esikweletu owawunawo ngaphambi kokuqothuka. Uma unomshwalense futhi uqhubeka nokukhokha njalo, mancane amathuba okuthi ubone ukukhuphuka kwezinga lapho umshwalense wakho uvuselelwa, nakuba ezinye izinkampani zizohlola umlando wakho wesikweletu kanye ngonyaka. Njengomphumela ophansi wesikweletu, ukuqothuka kungaholela emazingeni aphezulu.
Ukuqothuka kuzohlala kulimaza isikolo sakho sesikweletu futhi kuzohlala emlandweni wakho kuze kube yiminyaka eyi-10. Phakathi nale minyaka, izinkampani zomshwalense wezimoto ezisebenzisa isikweletu njengengxenye yokuhlola ubungozi zingase zinyuse izinga lakho noma zenqabe ukukunikeza amanani aphansi atholakalayo. Uma uthenga inqubomgomo entsha ngemva kokuqothuka, ungathola ukuthi ezinye izinkampani ngeke zikunikeze isaphulelo.
Izinto Ezithinta Isilinganiso Somshwalense Wemoto Yakho
Izinkampani zomshwalense zithi izici ezibaluleke kakhulu zemiphumela emihle yomshwalense osuselwe esikweletu umlando omude wesikweletu, ukukhokha sekwephuzile okuncane noma ama-akhawunti angamahlongandlebe, nama-akhawunti ezikweletu avulekile anokuma okuhle.
Ububi obujwayelekile buhlanganisa ukukhokha sekwephuzile, izinkokhelo, amazinga aphezulu ezikweletu, inombolo ephezulu yemibuzo yemalimboleko, nomlando omfushane wesikweletu. Iholo lakho, ubudala, ubuzwe, ikheli, ubulili, nesimo somshado akubalwa kumaphuzu akho.
Ukusetshenziswa kwekhredithi ukusetha amaphrimiyamu kuyimpikiswano. Abanye abameli babathengi bathi ijezisa ngokungafanele abantu abahola kancane noma labo abalahlekelwe yimisebenzi - abantu abadinga umshwalense wezimoto ezishibhile kakhulu. Kodwa abashwalensi bathi, kuhlanganiswe nezinye izici zokulinganisa, ukusebenzisa amaphuzu omshwalense wesikweletu kuyabasiza ukuthi babeke amanani anembile nafanele.
Amasu okuthuthukisa ukulinganiswa komshwalense wezimoto
Ukuze uthuthukise amaphuzu akho omshwalense asekelwe kusikweletu futhi uthole amaphrimiyamu aphansi, qiniseka ukuthi ukhokha izikweletu zakho ngesikhathi futhi ugcine zonke izikweletu zakho zisesimweni esihle. Ukukhokha sekwephuzile kanye nezindleko kuzokulimaza. Setha futhi ulondoloze isikweletu. Uma ugcina umlando wesikweletu ohloniphekile, kuba ngcono.
Cha noma umlando omncane wesikweletu uzokwehlisa isikolo sakho. Ungawavuli ama-akhawunti esikweletu angadingekile. Kunezinkinga eziningi kakhulu zesignali yama-akhawunti amasha. Vula kuphela lawo ma-akhawunti esikweletu owadinga ngempela. Gcina ibhalansi yekhadi lakho lesikweletu iphansi. Isikolo somshwalense sibheka inani olikweletayo maqondana nemikhawulo yakho yekhredithi. Gwema ukwandisa amakhadi akho esikweletu. Qiniseka ukuthi umbiko wakho wesikweletu unembile. Iphutha lingalimaza i-akhawunti yakho. Ungacela amakhophi amahhala emibiko yakho yezikweletu ezinkampanini ezintathu zikazwelonke ezibika ngezikweletu nge-AnnualCreditReport.com.
Kungumqondo omuhle ukuthola iseluleko sezezimali kuchwepheshe uma udinga usizo lokucabanga ukuthi ungayigcina kanjani imali yakho iqhubeka. Ungathola usizo lwamahhala noma lwezindleko eziphansi nge-National Credit Counseling Foundation engenzi nzuzo.
Amazinga akho omshwalense wezimoto angase ehle njengoba isikolo sakho sesikweletu sithuthuka. Qhathanisa izingcaphuno zomshwalense wezimoto ngesikhathi sokuvuselela uma ubona ukuthambekela okuhle ezilinganisweni zakho.
Imithombo
Isikweletu esibi sikwenyusa kangakanani amanani akho?
Ingabe Ukuqothuka Kuthinta Izilinganiso Zomshwalense Wezimoto?
Yini Ekusiza Futhi Elimaza Umshwalense Wakho Wezimoto
Ungasithuthukisa kanjani isikolo sakho somshwalense wezimoto
Lesi sihloko sishintshwe ngokuvunywa kwe-carinsurance.com: http://www.insurance.com/auto-insurance/saving-money/car-insurance-for-bad-credit.html.
