Nisbah Penggunaan Definisi & Contoh |

Apa itu:

Nisbah penggunaanmembandingkan jumlah baki hutang individu kepada jumlah kredit yang tersedia.

Bagaimana ia berfungsi (Contoh):

Nisbah penggunaan juga dipanggil nisbah penggunaan kredit.

Rumus yang digunakan untuk mencari nisbah penggunaan adalah seperti berikut:

Nisbah Penggunaan = (Jumlah Baki Hutang) / (Jumlah Kredit Yang Tersedia)

Anggapkan anda mempunyai tiga kad kredit. Satu mempunyai had kredit sebanyak $ 500, yang kedua mempunyai had kredit sebanyak $ 1,000 dan yang ketiga mempunyai had kredit sebesar $ 2.000. Kami juga mengandaikan bahawa anda membawa baki hutang pada ketiga-tiga kad tersebut. Tiga baki kad kredit digabungkan menjadikan jumlah baki hutang sebanyak $ 1,000.

Jumlah Baki Hutang = $ 1,000

Jumlah Kredit Tersedia = $ 3,500 (atau $ 500 + $ 1,000 + $ 2,000)

kita dapat mencari nisbah penggunaan:

Nisbah Penggunaan = ($ 1,000) / ($ 3,500) =.2857 = 28.57%

Dalam contoh ini, nisbah penggunaan anda ialah 28.57%.

Kenapa Matters:

Nisbah penggunaan Anda memberitahu pemberi pinjaman berpotensi berapa hutang yang anda bayar dan berapa banyak daripada kredit anda yang anda gunakan. Semakin rendah nisbah penggunaan anda, lebih baik ia kelihatan kepada peminjam (dan semakin tinggi skor kredit anda) kerana lebih mungkin anda dapat melakukan pembayaran anda.

Seseorang yang mempunyai nisbah penggunaan yang tinggi sering membawa banyak hutang atau mendekati had maksimum kredit mereka. Ini kelihatan berisiko kepada pemberi pinjaman kerana orang itu kurang mampu membayarnya sebagai hutang yang dibina.

Sekitar 30% skor kredit anda dikira menggunakan nisbah penggunaan.

[Untuk lebih banyak petua bangunan kredit, lihat 7 Langkah ke Kredit Sempurna]

Normal

0 Jika anda ingin meningkatkan skor kredit anda, anda harus menjaga nisbah penggunaan yang rendah dengan membayar hutang berlebihan.

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