Ungayithola kanjani imali mboleko uma uku-Buró de Crédito

Ngutechnisor

Ukuba nerekhodi ku-Buró akusona isiphetho: kuyisiqalo sesu elisha

Izikhangiso

Abantu abaningi bakholelwa ukuthi ukuba nerekhodi ku-Buró de Crédito kusho ukuvinjelwa ngokuphelele ekutholeni uxhaso lwezimali.

Nokho, lo mbono uyinganekwane. Iqiniso liwukuthi ungayithola ngempela imali mboleko noma unemibiko engemihle, kodwa kufanele wazi ukuthi ungabheka kuphi, uzilungiselela kanjani nokuthi yimiphi imigomo ongayemukela.

E-Mexico kunezinye izindlela ezisemthethweni neziphephile zabantu abanomlando wesikweletu owonakele. Okubalulekile ukuqonda uhlelo nokufunda ukuzulazula kulo ngobuhlakani bezezimali.

Izikhangiso

Kungani ukuba nerekhodi ku-Buró kuthinta izicelo zakho zesikweletu?

Njalo uma ufaka isicelo sesikweletu, ibhange noma isikhungo sezezimali sibheka umlando wakho ku-Buró de Crédito. Lokhu kuhlola kubonisa indlela owawukhokha ngayo esikhathini esidlule: ukuthi wawukhokha ngesikhathi yini, ukuthi unazo yini izikweletu esezidlulelwe isikhathi, ukuthi uke wabambezeleka yini noma unama-akhawunti ongawakhokhanga.

Uma bebona umlando omubi, bakuthatha njengekhasimende elisengozini enkulu. Lokho akusho ukuthi bakuvala yonke iminyango, kodwa kwenza kube nzima ukufinyelela emikhiqizweni yezezimali evamile. Ngaphezu kwalokho, kungabangela ukuba bakunikeze imigomo eqinile kakhulu:

✅ Amanani alinganiselwe
✅ Amazinga enzalo aphezulu
✅ Amadokhumenti engeziwe
✅ Ukucelwa kwesibambiso noma kwabaqinisekisi

Yingakho kubalulekile ukwazi ukuthi yiziphi izinketho ezikhona nokuthi ungayethula kanjani iphrofayela yakho ngendlela engcono kakhulu.

Izinyathelo zokuthola imali mboleko uma uku-Buró

1. Hlola isimo sakho samanje

Ngaphambi kokuqala noma iyiphi inqubo, kufanele wazi ukuthi uqala kuphi. Cela i-Reporte de Crédito Especial yakho mahhala ku-www.burodecredito.com.mx. Lo mbhalo uzokukhombisa amaphuzu akho esikweletu, ama-akhawunti asebenzayo, ukubambezeleka kanye nanoma yiliphi irekhodi elibi elingase lithinte umlando wakho.

Ngalolu lwazi, uzokwazi ukuthi ungafaka isicelo semali mboleko ngokuqondile yini noma kungcono uqale uxoxisane ngesikweletu esisasele.

2. Bheka ababolekisi abamukela abantu abanerekhodi ku-Buró

Akuzona zonke izikhungo ezizokwenqaba ngenxa yokuba nerekhodi ku-Buró. Empeleni, kukhona ababolekisi abagxile ekusizeni abantu abanomlando ongemuhle. Nazi ezinye izinketho ezithembekile:

✅ Izinkampani ze-Fintech ezifana no-Kueski, Moneyman, Creditea noma YoTePresto
Zihlola nezinye izici ngaphandle komlando wesikweletu, njengemali engenayo, amanethiwekhi omphakathi, indlela oziphatha ngayo ku-inthanethi, njll.

✅ Izikhungo zomphakathi zokonga nokubolekisa nama-Sofomes
Ziboleka abantu bomphakathi wazo noma amakhasimende azo. Zihlola indlela oziphatha ngayo endaweni yangakini nokuzinza komsebenzi wakho.

✅ Amapulatifomu okubolekana phakathi kwabantu
Axhumanisa abatshalizimali nabafake izicelo zesikweletu. Nakuba ehlola umlando wakho, avame ukuguquguquka kakhulu.

✅ Izimalimboleko ezidinga isibambiso
Uma unempahla efana nemoto noma indlu, noma uneholo elingaguquki, ungathola izimalimboleko eziboshelwe esibambisweni noma ezikhokhwa ngokudonswa emholweni, ngaphandle kokuncika ngo-100% ku-Buró.

3. Lungisa iphrofayela yakho ngendlela efanele

Ngisho noma unerekhodi ku-Buró, ungagqamisa ezinye izici ezinhle ezingakusiza ukuba ufaneleke. Ngokwesibonelo:

✅ Ukuba nemali engenayo ezinzile futhi efakazelekayo (iziliphu zomholo, izitatimende ze-akhawunti, ama-invoyisi uma uzisebenza)
✅ Ukuba nomqinisekisi onomlando omuhle
✅ Ukubonisa izinkokhelo zakamuva njengobufakazi bokubuyela esimweni esihle sezimali
✅ Ukuba nomsebenzi ozinzile nokuba nesikhathi eside usebenza kulowo msebenzi
✅ Ukungafaki izicelo zemalimboleko eziningi kulezi zinyanga ezimbalwa ezedlule

Uma iphrezentheshini yakho iqine ngokwengeziwe, umbolekisi uzokwethemba kakhulu.

Izincomo ezibalulekile zokuthola imali mboleko noma unerekhodi ku-Buró

  1. Cela kuphela inani ongakwazi ukulikhokha
    Gwema ukucela amanani amakhulu angahambisani namandla akho okukhokha. Lokho kwenza umbolekisi akusole futhi kunciphise amathuba akho okugunyazwa.
  2. Qhathanisa izinketho futhi ufunde izivumelwano
    Ungamukeli imali mboleko yokuqala oyinikezwayo. Hlola izinga lenzalo lonyaka, amakhomishini, izinhlawulo zokubambezeleka nesikhathi sokukhokha.
  3. Gwema abalamuli nezithembiso ezingamanga
    Qaphela noma ubani okucela imali kusengaphambili noma oqinisekisa ukuthi uzokuthola imali mboleko ngaphandle kokuhlola amadokhumenti akho. Kungenzeka kakhulu ukuthi kuwumkhonyovu.
  4. Khokha ngesikhathi
    Le mali mboleko entsha ingaba yithuba lakho lokuthuthukisa umlando wakho. Uma ukhokha ngesikhathi, amaphuzu akho esikweletu azokhula kancane kancane.

Yebo, ungayithola imali mboleko ngisho noma unerekhodi ku-Buró

👉 Kunezinketho zangempela ezikhona kuwe. Akunandaba noma umlando wakho wonakele: ngolwazi, isu nokuqina, ungaphinde ukwazi ukufinyelela esikweletini.

Bheka amapulatifomu afanele, thuthukisa iphrofayela yakho, gwema ukukhwabanisa bese uthatha isinyathelo sokuqala sokubuyela esimweni esihle sezimali.

ℹ️ Inothi lokucacisa: Lesi sihloko senzelwe ukwazisa. Ukuze uthole imigomo ethile yesikweletu, thintana ngokuqondile nezikhungo zezezimali ezigunyaziwe nezibhaliswe ku-CONDUSEF.

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