Imali mboleko ngaphandle kokujongwa kwetyala
Ukungabikho kwetyala lokutshekishwa kwemali mboleko luhlobo lwemali mboleko engadingi uphando olwenziweyo ngengxelo yakho yamatyala ngexesha lenkqubo yokwenza isicelo. Oko kuthetha ukuba imbali yakho yamatyala ayisiyiyo into ekuvunyelweni kwemali mboleko. Nangona kunjalo, akukho mali mboleko yokutshekisha amatyala ayiqinisekisi ukuvunywa. Nokuba ufanelekile okanye awufanelanga ukuxhomekeka kwezinye izinto, njengemali engenayo okanye isibambiso sokukhusela imali mboleko.
Akukho mali mboleko itshekhi inokuvakala intle kakhulu ukuba ibe yinyani, kwaye kunjalo. Batyekele ekubeni yimali mboleko yokutya kunye nomrhumo ophakamileyo kakhulu. Uninzi lukwafuna ukuba ubeke into exabisekileyo, njengepheyinti yakho elandelayo okanye isihloko semoto, ukuze ufumane imali mboleko.
Ukuba unetyala elibi, kuyinyani ukuba awuyi kulungela uninzi lwemali mboleko engakhuselekanga. Ngokwesiqhelo, uya kudinga amanqaku amanqaku ngetyala angama-600-660 ubuncinci. Kodwa zininzi iibhanki ezaziwayo, ezinje Wells Fargo usetyenziso lweWindows kwi- Ivenkile yeWindows kwaye PNC . Okanye, ukuba ucele uncedo lomtyikityo, ungasebenzisa ikhredithi yakho ukuze ufaneleke kwimali mboleko engakhuselekanga.
Apha ngezantsi uyakufumana ulwazi malunga neendidi zokungabikho kwemali-mboleko efumanekayo, kunye neempawu zazo kunye nemingcipheko echaphazelekayo. Unokubona ezinye iindlela ezinokukunceda ucele imali mboleko ngomngcipheko omncinci kunye neemeko ezingcono.
Ababolekisi aba-4 ababalaseleyo abanganiki mboleko mboleko
Imali mboleko yomntu ngaphandle kwekhredithi. Imali mboleko ezingxamisekileyo ngaphandle kokutshekishwa kwetyala Ukuba ufuna imali yongxamiseko, awunakuba nalo ixesha lokwenza ikhredithi ngaphambi kokufaka isicelo semali mboleko. Nazi ezinye zeendlela zokubolekwa kwemali mboleko onokuthi uziqwalasele.
- UEarnin : Ukuba uqeshiwe okanye ufumana izibonelelo zokungaqeshwa kwaye uhlangabezana nezinye iimfuno, u-Earnin unokuba yindlela elungileyo kwimali encinci yokukunceda de ufumane umvuzo olandelayo. Uhlelo lokusebenza lwe-Earnin luqhubela phambili ababoleki abatsha ukuya kuthi ga kwi-100 leedola (kwaye uphinde abathengi ukuya kuthi ga kwi-500 yeedola). Ayikhuphi mali inyanzeliswayo okanye inzala, endaweni yoko ucebisa ngento ocinga ukuba ilungile.
- ngexesha elifanelekileyo : Lo mbolekisi uthi unokulungela ngaphandle kwembali yetyala kwaye unikezele ngemali mboleko yomntu ekhuselekileyo nengakhuselekanga. I-Oportun ithi izakujonga ikhredithi yakho, kodwa ikwajonga nezinye izinto. Inkampani inika ingxelo ngembali yakho yokuhlawula kumaziko agcina ityala, ngenxa yoko inokukunceda wakhe ikhredithi ngentlawulo epheleleyo kunye nexesha.
- Zolile : Lo mbolekisi ujolise ekunikezeleni ngemali mboleko kubantu abavela kwamanye amazwe nakwabo bangafumananga. Unokufaka isicelo nokuba awunayo inombolo yokhuseleko lwentlalo okwangoku. Inkampani ithi ihlalutya ulwazi olufana namava akho omsebenzi, umvuzo kunye nemikhwa yezemali.
- Brigit : Ukuba awukhathali ngentlawulo yobulungu yenyanga, uBrigit uya kukuqhubela phambili ukuya kuthi ga kwi-250 yeedola. Le app ikwabonelela ngeempawu ezinje nge-tracker yeendleko kunye nenkqubela phambili ezenzekelayo ukuba unokuqikelela ukuba usengozini yokusebenzisa iakhawunti yakho ngokungaphezulu kwaye ufuna imali ekhawulezileyo.
Apho ungafumana khona iMali mboleko yokuTshekishwa
Kukho iindawo ezininzi apho ungafumani mali mboleko yokutshekishwa kwetyala. Babandakanya ababolekisi bomhla wokuhlawula, iivenkile ezithengisa ngemali, ababolekisi bemoto, kunye nabahlobo okanye usapho. Akukho namnye kubo ofanelekileyo.
| Umbolekisi | Kutheni kuyingozi |
|---|---|
| Umbolekisi womhla wokuhlawula | Inzala ephezulu kakhulu, nciphisa umvuzo wakho olandelayo |
| Ivenkile yamasekeni | Inzala ephezulu, ungaphulukana nepropathi yakho |
| Umbolekisi wetayitile yemoto | Inzala ephezulu kakhulu, ungaphulukana nemoto yakho |
| Izihlobo okanye abahlobo | Inokulonakalisa ulwalamano lwakho ukuba awuthobeli |
Umboleki womhla wokuhlawula:
Abaninzi ababolekisa ngemini yomvuzo bayabhengeza ukuba abanalo itshekhi yokufumana imvume. Kodwa ezi ntlobo zababolekisi zixhaphake ngendlela emangalisayo. Bakunika isixa semali, ngesiqhelo i- $ 500 okanye ngaphantsi, ukuhlawula ngentlawulo yakho elandelayo. Kodwa kuya kufuneka uhlawule imali ephezulu exhomekeke kwi-400% ye-APR. Ke ayisiyi kuba lityala lakho elingaphezulu lee kunengqiqo kwityala lezemali, kodwa umvuzo wakho olandelayo uza kube sele une-chunk enkulu. Kulumkele ukubolekwa imali ngazo zonke iindleko.
Ivenkile yamasekeni:
Iivenkile ezihamba ngenzondo sele zithandwa kakhulu kutshanje ngenani elikhulu lezinto ezenzeka kumabonwakude. Xa upakisha into exabisekileyo, umbolekisi ukunika i-20% ukuya kwi-60% yexabiso lemali njengemali mboleko. Ivenkile igcina loo nto kodwa ayithengisi ixesha elithile, ihlala iinyanga ezininzi. Ukuba umnini wento uyayibuyisa imali-mboleko, kunye nenzala yenyanga (2% ukuya kuma-25% okanye ngaphezulu, kuxhomekeke kurhulumente), bayayifumana loo nto. Ukuba akunjalo, ivenkile ethengisa izinto ezinokuthengwa ngeentengiso inokuyithengisa.
Umbolekisi wetayitile yemoto:
Aba babolekisi babonelela ngeemali-mboleko ekufuneka usebenzise itayitile yemoto yakho (isatifikethi esenza ukuba ube ngumnini wesithuthi ngokusemthethweni) njengesibambiso. Ukubuya kwakho, umbolekisi ukuvumela ukuba uboleke phakathi kwe-25% kunye ne-50% yexabiso lemoto, eliya kuthi lihlawulwe kwiintsuku ezili-15 ukuya kwezingama-30 ngentlawulo elingana ukuya kuma-25% esixa-mali osibolekileyo. Ezi mboleko ziqala ukusuka kwi-100 ukuya kwi-5 500 yeedola, ngokwe-avareji (ngamanye amaxesha i- $ 10,000 +), ngokweKhomishini yoRhwebo.
Ukuba awukwazi ukuhlawula imali mboleko kwisithuba esichaziweyo, umbolekisi angakugqithisela kwinyanga ezayo. Oku kukunika enye inyanga ukuba uyihlawule, ngokutshintshela enye imali yenyanga. Ekugqibeleni, ukuba uyiqengqeleka amatyeli amaninzi, umbolekisi angayithatha imoto yakho. Ziphephe ezi mboleko.
Imali evela kusapho / kubahlobo:
ilungu losapho okanye umhlobo akanakho ukubanakho ukujonga ngokupheleleyo ityala. Kwaye banokukulungela ukukunika imali mboleko nokuba ityala lakho lilibi. Nangona kunjalo, kubalulekile ukujongana nemali-mboleko njengobuchwephesha njengoko ubuya kwenza kwimali mboleko yebhanki.
Ubuqhetseba: Ngelishwa, ezinye azikho iimali-mboleko zokutshekisha ngetyala ezinamaqhinga. Ukuba uceliwe ukuba wenze uhlobo oluthile lwentlawulo ngaphambi kokuba ufumane imali mboleko, yiflegi enkulu ebomvu. Ukuba abachazi amaxabiso abo, neflegi ebomvu nayo. Kuya kufuneka wenze uphando kwinkampani ukufumanisa ukuba ngaba yinkampani esemthethweni na; Umzekelo, ngaba ibhalisiwe njengeshishini kwimeko yakho? Kwaye ukuba iwebhusayithi yakho ayinayo i-https (emele ukuba ikhuselekile) kwi-URL, awuyi kufuna ukufaka naluphi na ulwazi lomntu.
Olunye uhlobo ngaphandle kokuhlawulwa kwemali-mboleko
Akukho mali mboleko itshekhi ithathwa njengeyona iphezulu njengoko uya kuhlala uhlawula ngokungathandabuzekiyo inzala ephezulu. Nangona kunjalo, kukho iindlela ezininzi zokuba nabantu abanamatyala amabi banokufumana imali mboleko efanelekileyo.
- Imali mboleko yomntu eqinisekisiweyo: Endaweni yokuzama ukufumana imali mboleko evela kumbolekisi ongacacanga oya kuthi akubize inzala enkulu, khetha imali mboleko ekhuselekileyo kumbolekisi ozinzileyo. Ezinye zeebhanki eziphezulu ezibonelela ngemali mboleko ekhuselekileyo yi-Wells Fargo, i-PNC, iFifth Third Bank, kunye ne-KeyBank. Ngelixa umbolekisi eza kujonga ikhredithi yakho, kuya kufuneka ube nakho ukuvunywa ngetyala elibi kuba kuya kufuneka unikezele ngesiqinisekiso.
- Umtyikityo: Icosigner ngumntu othatha uxanduva kwimali mboleko yakho. Umbolekisi usebenzisa ikhredithi kunye nengeniso yaloo mntu ukwenza isigqibo sokuba uyavuma okanye cha. Kwaye ukuba awunakukwazi ukuhlawula iintlawulo apha endleleni, umtyikityo kufuneka ahlawule imali eseleyo. Ukuba unokufumana umntu onekhredithi elungileyo kunye nengeniso engagungqiyo ekulungeleyo ukutyikitya, kuya kufuneka ungabinangxaki yokufumana imvume mboleko engakhuselekanga.
- amakhadi etyala ngaphandle kokujonga ityala: abantu abanamatyala amabi banokukhetha okuthile kwikhadi letyala. Eyokuqala kukuvula ikhadi ikhredithi ekhuselekileyo , eya kukunika elona thuba lilungileyo lokuvunywa, kodwa ayiyi kukuvumela ukuba uboleke imali. Okanye, ungaya kwikhadi letyala elingakhuselekanga ngetyala elibi, elingayi kufuna idiphozithi kodwa liya kubiza iifizi eziphezulu. Okokugqibela, inokuba yi umsebenzisi ogunyazisiweyo kwikhadi lomnye umntu. Loo mntu unokukuvumela ukuba uboleke kumgca wekhredithi.
Yintoni imali mboleko yomntu ngaphandle kokujonga ityala?
Uninzi lweenkampani zemboleko zabucala zigxile ekusebenzeni nababolekisi ababi. Kodwa akukho luthengiso lokuthenga ngetyala yenye into. Ababolekisi abanikezela ngezi mboleko-mali banokuthathela ingqalelo eminye imiba yezemali, enje ngerekhodi yengqesho eqhelekileyo kunye neakhawunti yokutshekisha, endaweni yokujonga ikhredithi. Abanye ababolekisi abanakukhathaza nokuba ibenye.
Imali mboleko engafuneki ukuba itshekishwe ngetyala ibandakanya usuku lokuhlawula kunye nemali mboleko yetayitile yemoto. Endaweni yokujongwa kwetyala, banokufuna ulwazi kwiakhawunti yebhanki, ubungqina bengeniso yangoku, kunye nenombolo yefowuni esemthethweni.
Ezi mboleko-mali zinamaxesha amafutshane okubuyisa, aqala kwiiveki ezimbalwa ukuya kwinyanga. Imali mboleko yomhla wokuhlawulwa ayikhuselekanga kwaye ngokubanzi kufuneka ihlawulwe ngaphambi kosuku lokuhlawula olulandelayo. Iimali-mboleko zetayitile yemoto kwelinye icala, zikhuselwe sisihloko sesithuthi sakho.
Ababolekisi ababonelela ngemini yokuhlawula kunye neetayitile zemoto mboleko banokunika imali-mboleko yomntu yexeshana evumela ubuncinci iinyanga ezimbalwa ukuhlawula ityala. Ezi mboleko zezavenge zinikezelwa ngomhla wokurhola kunye neetayitile zemoto mboleko mboleko ngokubanzi zinamazinga aphezulu enzala, kodwa unokuba nonyaka ukuya kuhlawula ityala.
Yintoni ekufuneka uyigcinile engqondweni kwimali mboleko yakho ngaphandle kokujonga ityala
Ababolekisi abahlola amatyala benza njalo ukumisela ukuba umngcipheko umboleki kwaye abeke njani inzala yemali mboleko ngokufanelekileyo.
Ukuba ngenene alukho itshekhi ebandakanyekayo, oko kuthetha ukuba umbolekisi uthatha umngcipheko omkhulu wokukunika imali, kwaye unokuhlala ulindele ukuba inzala ephezulu kunye neefizi zibuyele. Imalimboleko yomhla wokuhlawula, umzekelo, unokuba neentlawulo zezemali ezisukela kwi- $ 10 ukuya kwi-30 yeedola kuyo yonke i-100 yeedola oyibolekayo, elingana nepesenti yonyaka ukuya kuthi ga kuma-400% (okanye nangaphezulu).
Ngamaxabiso aphezulu kunye nemirhumo kunye nexesha elifutshane lokuhlawula, ungabambeka kumjikelo wetyala apho unyanzelwa ukuba uthathe iimali mboleko ezintsha ukuze uhlawule ezindala. Ukuba oku kuyenzeka, ungaphela uhlawula umrhumo ofanayo kunye nenzala kaninzi ngaphandle kokulahla ityala. Kwaye ngemboleko yemvume yemoto, ungaphulukana nemoto yakho ukuba awukwazi ukuhlawula ityala.
Kwisifundo esenziwe yi-Consumer Financial Protection Bureau, i-arhente yafumanisa ukuba ngaphezulu kwe-80% yababoleki bemali mboleko yomhla wokuhlawula baphinde baboleke, okanye baphinde baphinde batyale, kwiintsuku ezingama-30, kwaye ngaphezulu kwama-40% wababolekisi bemali-mboleko yomhla wokuhlawulwa kubabolekisi kwimali-mboleko eku-intanethi bagqibela ngokungaphumeleli.
Okokugqibela, abanye ababolekisi ababonelela ngezi mboleko abayi kuxela nayiphi na imisebenzi yabo yokuhlawula kumaziko amathathu aphambili abathengi ngetyala. Ukuba ufumana imali mboleko engachazwanga, awungekhe uyisebenzise ukwakha imbali yakho yamatyala.
isiphelo
Ngaphambi kokuba uqwalasele naluphi na uhlobo lwemali mboleko yokutshekishwa kwetyala, licebo elilungileyo ukuqala uqiniseke ukuba awunathuba lokufumana imali mboleko yesiqhelo. Amathuba akho anokuba ngcono kunokuba ucinga, kuba baninzi ababoneleli bemali mboleko abaza kujonga abantu abanamatyala amabi.
Iziqulatho
- Imali mboleko ngaphandle kokujongwa kwetyala
- Ababolekisi aba-4 ababalaseleyo abanganiki mboleko mboleko
- Apho ungafumana khona iMali mboleko yokuTshekishwa
- Umboleki womhla wokuhlawula:
- Ivenkile yamasekeni:
- Umbolekisi wetayitile yemoto:
- Imali evela kusapho / kubahlobo:
- Olunye uhlobo ngaphandle kokuhlawulwa kwemali-mboleko
- Yintoni imali mboleko yomntu ngaphandle kokujonga ityala?
- Yintoni ekufuneka uyigcinile engqondweni kwimali mboleko yakho ngaphandle kokujonga ityala
- isiphelo