Ukufaneleka kwangaphambili kwe-Broker yetyala

Abathengisi bamatyala bachitha ixesha elininzi kubafaki-zicelo abangasokuze bafaneleke. Iyure nganye echithwe kwisicelo esingasebenzisekiyo yiyure engachithwanga ukuvala isivumelwano esinokusebenza. Inkqubo yokufaneleka kwangaphambili komthengisi wetyala ikho ukulungisa oku: inyathelo lokuhlola elicwangcisiweyo phambi kokuba kwenziwe isicelo esipheleleyo esigqiba ukuba ingaba umenzi-sicelo uyahlangabezana na nemigaqo esisiseko yekhredithi kunye nokufikeleleka. Xa i-pre-qualification yenziwe kakuhle, abathengisi bagxininisa kwimizamo yokuthengisa kubafaki-zicelo abafanelekileyo kwaye bayeke ukutshisa amandla kwiimeko ezinokuthi zingaphumeleli kumbolekisi. Eli nqaku licacisa ukuba kuthetha ukuthini ukufaneleka xa usebenza, kutheni uninzi lwabarhwebi lungenzi kakuhle, kubiza malini ukulutsiba, kwaye ulwakha njani inyathelo lovavanyo olungena kwi- imvelaphi yokusebenza kwemali mboleko yakho.

Sithetha ntoni iSiqinisekiso saPhambili kwiiBroker zaseMzantsi Afrika

Ngokwemeko yaseMzantsi Afrika ye-credit broker, i-pre-qualification yi-sheke yokukwazi ukusebenza okwenzeka emva kokuba uneenkcukacha ezisisiseko zomfaki-sicelo naphambi kokuba utyale imali ekuqhubeni isicelo esipheleleyo. Iphendula umbuzo omnye: ngaba lo mfaki-sicelo unethuba lokwenyani lokuvunywa xa enikwa iinqobo zombolekisi eziqhelekileyo kunye nemigangatho eyakho?

Ukufaneleka kwangaphambili ayisosigqibo esipheleleyo sekhredithi. Ayithathi indawo ukufikeleleka kovavanyo efunekayo phantsi kweNCA okanye uhlolo oluneenkcukacha olulindelwe ngababolekisi. Sisihluzo. Utsala idatha ye-bureau kwi-Experian, Datanamix, okanye TransUnion; uphonononga izalathisi eziphambili - ukuziphatha kwentlawulo, uluhlu olubi, ukusetyenziswa, izibophelelo ezikhoyo; usebenzisa isiseko sokujonga ukubanakho ukufikeleleka kwengqondo (ingeniso echaziweyo ngokuchasene nezibophelelo ezikhoyo). Ukuba umenzi-sicelo uyasilela ngokucacileyo imilinganiselo ephantsi, ubeka izinto ezibalulekileyo okanyeukwehla kwangoko. Ukuba bayaphumelela, uqhubela phambili kwisicelo esipheleleyo, ukuqokelela amaxwebhu, kunye nokungeniswa kombolekisi. Injongo kukwenza oku kuhlolwa ngemizuzu, hayi emva kweeyure zomsebenzi.

Abarhwebi abaphatha i-pre-qualification njengenyathelo elisemthethweni banokuthelekisa abafaki-zicelo kwisiseko esifanayo. Abo baxhomekeke kumathumbu baziva okanye batsibe ukuhlolwa ngokupheleleyo batyhala izicelo ezingakumbi kumbhobho kwaye bafumanise ukuba nokwenzeka kuphela xa umbolekisi esihla. Umahluko ubonakala kumazinga okuguqulwa, ixesha ngesivumelwano, kunye nobudlelwane bomboleki.

Kutheni uninzi lwee-Brokers zingafaneleki ngaphambili ngokuFanelekileyo

Abathengisi abaninzi bakholelwa ukuba bavavanya abafaki zicelo xa bengenzi njalo. Umsantsa uvela kwindlela uhlolo olwenziwa ngayo.

Imvakalelo yamathumbu kunye nezishwankathelo zomlomo. Abanye abathengisi babuza imibuzo embalwa efowunini okanye baskene uxwebhu baze benze imbono. Ngaphandle kwedatha ye-bureau kunye neseti engaguqukiyo yemithetho, loo mbono ixhomekeke. Umthengisi omnye unokuba nethemba; omnye usenokuba ngoongagungqiyo. Umfaki-sicelo mnye unokunyuselwa okanye aliwe ngokuxhomekeke ekubeni ngubani otsalela umnxeba. I-Gut ivakalelwa kukuba ayilingani kwaye ayihambelani neendlela zombolekisi ezisekwe kwidatha ye-bureau kunye nomlinganiselo wokufikeleleka.

Ukufundwa kwePDF ngesandla ngaphandle kolwakhiwo. Naxa abathengisi bekhupha ingxelo yetyala, bahlala befumana iPDF. Ukuyifunda ukusuka phezulu ukuya ezantsi kuthatha ixesha. Ukuthelekisa abafaki zicelo abaninzi kuthetha ukuvula iiPDF ezininzi kwaye ubambe iinkcukacha kwinkumbulo. Akukho mbono isemgangathweni “yokupasa” okanye “ukusilela” — umvavanyi ngamnye utolika iikhowudi zentlawulo, izigwebo, kunye nokusilela ngendlela yakhe. Ukufunda ngesandla kwenza kube nzima ukusebenzisa imida efanayongalo lonke ixesha. Isiphumo sisilingo esingangqinelaniyo kunye nabafaki-zicelo abatyibilikayo xa bekufanele ukuba bahluzwe, okanye umva.

Akukho luvavanyo konke konke. Kwimeko embi kakhulu, yonke ilothe iphathwa njengesicelo esipheleleyo. Umrhwebi uqokelela amaxwebhu, agcwalise iifom, aze angenise kumbolekisi. Kuphela kuxa ukuhla kubuya apho umrhwebi afumanisa ukuba umenzi-sicelo uye wafumana isigwebo samva nje, wayenamatyala amaninzi, okanye wasilela ekufumaneni amanqaku ombolekisi. Ngelo xesha, kuye kwachithwa umgudu omkhulu. Loo ndlela yokwandisa umthamo ekupheleni kombhobho kwaye icuthe ubungakanani bokungeniswa okuguqukileyo.

Umsonto oqhelekileyo kukuba ukukhangela akukho okanye akukho kwakhiwe. Ukufaneleka kwangaphambili okusebenzayo kufuna idatha ye-bureau ngendlela esebenzisekayo kunye neendlela ezicacileyo ezisetyenziswa ngendlela efanayo kumfaki-sicelo ngamnye.

Iindleko zokuPhucuka kwaPhambili

Xa ukuhlolwa kubuthathaka okanye kulahlekile, iindleko zinokulinganiswa.

Ixesha elichithiweyo. Qwalasela umthengisi ukuba enze izicelo ezili-100 ngenyanga. Ukuba i-40% inqatshelwe kwinqanaba lombolekisi kunye nesiqingatha sazo zinokuthi zichongwe kwi-pre-qualification - uluhlu olubi, i-credit-to-income over threshold, okanye amanqaku angaphantsi kobuncinci - ke izicelo ze-20 zidla ixesha elipheleleyo lokucubungula ngaphandle kwesiphumo. Nokuba iiyure ezimbini ngesicelo ngasinye, oko ziiyure ezingama-40 ngenyanga ezichithwa kwiimeko ezingazange ziguquke. Elo xesha lingaya kwizicelo ezinamandla ezingama-80: ulandelelwano olungcono, ukungeniswa okukhawulezileyo, okanye ukhokelo olutsha oluninzi.

Okonakeleyo kubudlelwane phakathi kwabaxumi. Abafaki-zicelo abalahlwayo emva kwenkqubo ende — emva kokungenisa iipayslips, iingxelo zebhanki, kunye neID — rhoqouzive ulahlekile. Bacinga ukuba umthengisi bekufanele ukuba uyazi ngaphambili. Ukuthemba kunye nokuthunyelwa kuyaphazamiseka. Ukufaneleka kwangaphambili akukuphelisi ukuhla, kodwa kunciphisa inani labafaki-zicelo abatyala imali eninzi kwinkqubo ebingasoze iphele ngokuvunywa.

Imilinganiselo ephantsi yokuvunywa kunye nokunxunguphala kwababolekisi. Ababolekisi bafumana ungeniso olungafikeleliyo kwiikhrayitheriya ezixeliweyo. Bayasala kwaye banokubuza umgangatho wemibhobho yomrhwebi. Abarhwebi abathumela umlinganiselo ophezulu wezicelo ezingasebenziyo bafumana utshintsho olucothayo kunye nokuguquguquka okuncinci. Abo bafaneleka kwangaphambili kwaye bangenise iimeko ezinokwenzeka ikakhulu bakha udumo lomgangatho kwaye bafumane unyango olungcono njengembuyekezo.

Kulahleke ujoliso. Umthamo wombhobho unesiphelo. Lonke usetyenziso olungasebenzisekiyo olufikelela ekuqhubekekeni ngokupheleleyo lususa olusebenzayo. Abarhwebi abajonga kwangoko banokugxila kubafaki-zicelo abanethuba lokwenyani lokuvunywa kwaye bavale izivumelwano ezingakumbi ngomzamo ofanayo. Injongo ye-pre-qualification kukugxila kwimigudu yokuthengisa kubafaki-zicelo abafanelekileyo - oko kusebenza kuphela xa ukuhlolwa kucwangcisiwe kwaye kwenziwa ngaphambi kokuba kuqhutywe ngokupheleleyo.

Ijongeka Injani Inkqubo ye-Credit Broker esebenzayo eMzantsi Afrika

Inkqubo esebenzayo ye-pre-qualification ilandela ulandelelwano olucacileyo kwaye isebenzisa imilinganiselo engaguqukiyo.

Uphononongo lwedatha ye-Bureau. Tsala ingxelo kwi-ofisi enye okanye ngaphezulu (Experian, Datanamix, TransUnion) ngokukhawuleza ukuba unemvume kunye neenkcukacha zesazisi. Idatha kufuneka ibe kwifom ecwangcisiweyo ukwenzela ukuba iindawo eziphambili - isimo se-akhawunti, imbali yokuhlawula, izigwebo, ukungagqibeki, ukusetyenziswa, izibophelelo ezipheleleyo - zibonakala ngokujonga nje. Ukuba iidatha ikwifomu yePDF kuphela, inyathelo lokuqala kusekukhupha nokuphonononga ezi zalathisi phambi kokuqhubeka.

Ukujonga ukufikeleleka okusisiseko. Phambi kokuba igcwale ukufikeleleka kovavanyo, sebenzisa uqwalaselo olukhawulezayo lwengqondo: ingeniso echaziweyo ngokuchasene nezibophelelo zenyanga ezikhoyo kwiziko. Ukuba inkonzo ekhoyo yamatyala sele isebenzisa uninzi lwengeniso, okanye ukuba isavenge esicetywayo sinokutyhala umenzi-sicelo ngaphezu komda ofanelekileyo wetyala-kwingeniso, iflegi okanye ukwehla kwangaphambili. Awudingi amanani okugqibela aqinisekisiweyo kweli nqanaba; udinga ngokwaneleyo ukukhupha iimeko ezingenakufikeleleka ngokucacileyo.

Uvavanyo loluhlu olubi. Chaza imithetho yezigwebo, ukusilela, kunye nokuziphatha okubi kwentlawulo. Umzekelo: akukho zigwebo zisebenzayo kwiinyanga ezingama-24 zokugqibela, okanye akukho zimpazamo zangoku ngaphezulu kwexabiso elithile. Sebenzisa le migaqo kumfaki-sicelo ngamnye. Abo basilelayo abaqhubeki nesicelo esipheleleyo ngaphandle kokuba unoxwebhu olukhethekileyo.

Ukufumana amanqaku. Ukuba wena okanye ababolekisi bakho nisebenzisa iibhendi zamanqaku, seta ubuncinci besiqinisekiso sangaphambili. Abafaki-zicelo abangaphantsi komda bajongelwa phantsi okanye baliwe phambi kwexesha. Oko kugcina umbhobho ulungelelaniswe nomdla womboleki kwaye unqanda ukungenisa okuqinisekileyo ukuba kuya kwaliwa.

Kwenziwe ngemizuzu. Inqaku elipheleleyo lesiqinisekiso sangaphambili sisantya. Isiphumo kufuneka sibe: sinokwenzeka - qhubela phambili kwisicelo esipheleleyo; okanye ayinakwenzeka - yehla okanye ipaki. Ukuba ukuhlolwa kuthatha ixesha elide njengoko kuqhutywe ngokupheleleyo, inzuzo iyalahleka. Isakhiwo kunye nezixhobo zibalulekile: xa idatha ye-bureau ihlaziywa kwiinkalo ezithelekisekayo kwaye imithetho isetyenziswa ngokuzenzekelayo, ukuhlolwa kunokugqitywa ngemizuzu kunokuba emva kokwakhiwa kwefayile epheleleyo.

##Ukufaneleka kwangaphambili vs uVavanyo olupheleleyo

Kubalulekile ukwahlula i-pre-qualification kuvavanyo olupheleleyo olulandelayo.

Isiqinisekiso sangaphambili kukukhangelwa kokusebenza okukhawulezileyo. Usebenzisa idatha ye-bureau kunye nengqiqo yokufikeleleka ekuphenduleni: ngaba lo mfaki-sicelo uyahlangabezana neyona ndlela isezantsi yokuqinisekisa ukuba kusetyenzwa ngokupheleleyo? Akukho maxwebhu engeniso aqinisekisiweyo, akukho lucazululo lwenkcitho oluneenkcukacha, akukho ngxelo isesikweni yokufikeleleka kweNCA. Isiphumo kukuhamba / akukho-ukuhamba kwinqanaba elilandelayo.

Uvavanyo olupheleleyo yinkqubo eneenkcukacha. Ibandakanya ingeniso kunye neendleko eziqinisekisiweyo, ukubalwa okufikelelekayo okufanelekileyo ngokuhambelana nokulindelwe yiNCA, amaxwebhu angqalileyo obolekisa ngemali, kunye nephakheji epheleleyo yokungeniswa. Uvavanyo olupheleleyo yinto oyenzela abafaki-zicelo abaphumelele i-pre-qualification. Kulapho iindlela zophicotho kunye namaxwebhu okuthotyelwa kubaluleke kakhulu.

Ukufaneleka kwangaphambili akuthathi indawo yovavanyo olupheleleyo. Iqinisekisa ukuba uvavanyo olupheleleyo lugcinelwe abafaki-zicelo abanethuba lokwenene lokuvunywa. Skipping pre-qualification means doing full assessment for everyone, including many who will never qualify. Ukwenza kuphela isiqinisekiso sangaphambili kunye nokutsiba uvavanyo olupheleleyo kuya kuba kukungathobeli kwaye akuyi kubanelisa ababolekisi. Amanyathelo amabini ahlala ngokulandelelana: isikrini kuqala, emva koko uvavanye kwaye ungenise.

Apho iSiqinisekiso sangaphambili singena kuMbhobho wokuQalisa iMali-mboleko

Ukufaneleka kwangaphambili linqanaba lokuqala kwi- Ukuvela kwemali mboleko kubathengisi bamatyala. Kuloo msebenzi wokuhamba, emva kokubanjwa okukhokelayo kunye nokuhlolwa kokuqala (imveliso elungileyo, ukufaneleka okusisiseko), inyathelo elilandelayo lidla ngokutsala i-bureau. Isiqinisekiso sangaphambili yinto oyenzayo ngedatha yeofisi phambi kokuba utyale imali ekuqokeleleni amaxwebhu, igcweleuvavanyo lokufikeleleka, kunye nokungeniswa kombolekisi.

Abarhwebi abaqhuba umbhobho olungelelanisiweyo wemvelaphi babeka isiqinisekiso sangaphambili ngoko nangoko emva kokutsalwa kwesebe. Ukuqukuqela oku: ukukhokelela ngaphakathi, kutsalwe ingxelo ye-bureau, isiqinisekiso sangaphambili sisetyenzisiwe, emva koko “qhubela phambili kwisicelo esipheleleyo” okanye “ukwehla/ukupaka.” Oko kugcina umbhobho ucocekile kwaye iqinisekisa ukuba iimeko ezisebenzayo kuphela ezidla yonke inkqubo. Ngomfanekiso ogcweleyo wamanqanaba nalapho ubuchwepheshe bunokunceda khona, bona isikhokelo sethu ku- imvelaphi yemali-mboleko kubathengisi bamatyala eMzantsi Afrika.

Ngubani ozuzayo kwiSiqinisekiso saPhambili esiOmeleleyo

Imiba yokufaneleka kwangaphambili kuyo nayiphi na i-broker efuna ukugxila kwiinzame zokuthengisa kubafaki-zicelo abanakho kunye nokunciphisa iinzame zemibhobho ezichithwayo.

Abathengisi bamatyala abazimeleyo abajongana nomjikelo opheleleyo ukusuka kunxibelelwano lokuqala ukuya ekungeniseni inzuzo ekuhlolweni kwangoko. Ngomthamo oqingqiweyo, iyure nganye ibala. Inyathelo elicacileyo langaphambi kwesiqinisekiso libavumela ukuba babeke phambili awona mathemba angcono kwaye banike ingxelo ngokukhawuleza, enyanisekileyo ngakumbi kubafaki-zicelo abangekafezeki.

Iifemu ezifumana imali-mboleko ezijongana nezicelo ngokwenani lababolekisi-mali okanye abasasazi zifuna ukuvavanywa ngokulinganayo. Xa iikhrayitheriya zisetyenziswa ngendlela efanayo kumfaki-sicelo ngamnye, umgangatho wokungeniswa uyaphucuka kwaye nobudlelwane bombolekisi bomelela. Isiqinisekiso sangaphambili yindawo yokuqala yolawulo kwi-scalable isoftware yomthengisi wetyala ukuhamba komsebenzi.

Abathengisi bevolomu ephezulu baziva iindleko zovavanyo olubi kakhulu. Xa amashumi okanye amakhulu ezicelo zihamba ngombhobho nyanga nganye, kwanotshintsho oluncinci kumyinge wezicelo ezinokwenzeka ngokuchasene nezicelo ezinokuthi zibe nempembelelo enkulu kwixesha noguqulo. Iziqinisekiso ezicwangcisiweyo zinciphisainani lezicelo ezifikelela kuqhubekeko olupheleleyo kuphela ezakwaliwa, kwaye ikhulula umthamo wemiba eguqukayo.

Ukufumana okungakumbi malunga nokuba uvavanyo lwetyala kunye nokuhamba komsebenzi womrhwebi kudibana njani, bona i-Isoftware yovavanyo lwamatyala eMzantsi Afrika hub.

Iyavala

Isiqinisekiso sangaphambili somthengisi wetyala eMzantsi Afrika asinto yanto. Linyathelo lokuhlola elimisela ukuba umfaki-sicelo ufanelekile na ukuqwalaselwa ngokupheleleyo. Xa icwangcisiwe - idatha ye-bureau ihlaziywe, ukufikeleleka okusisiseko kunye nemithetho yoluhlu olubi olusetyenzisiweyo, i-score thresholds esetyenzisiweyo - abathengisi bachitha ixesha elincinci kwizicelo eziphelileyo kunye nangaphezulu kwizivumelwano eziguqukayo. Isiphumo singamazinga angcono okuvunywa, ubudlelwane obuluqilima bombolekisi, kunye nesikhundla esigxile kubafaki-zicelo abafanelekileyo.

Ukuba ufuna ukubona ukuba idatha yeofisi ecwangcisiweyo kunye nemithetho yangaphambili ingangena njani kwindlela yokusebenza komthengisi, dibana no kwaye singahamba kwinkqubo yakho yangoku nalapho uhlolo lunokusebenza ngokukhawuleza.usebenza ngokukhawuleza.