Isikhokelo semali mboleko yeeSpanics eMelika. Imali mboleko yobuqu eMelika.
Iindaba ezimnandi zezokuba imali-mboleko inokukunceda ukubonelela ngoncedo olufunayo. Kodwa kuthekani ukuba uyiSpanishi? Ngaba kukho iimali-mboleko ze-Hispanics?
Apha unokufumana ukhetho lwemali mboleko ye-Hispanics. Kulula kakhulu kunokuba ucinga. Kuya kufuneka uhlangabeze iikhrayitheriya ezilula zokufaneleka. Yile nto kufuneka uyazi.
Ngaba zikho iimali mboleko zeSpanics eMelika?
Ke, ngaba kukho imali-mboleko ye-Hispanics? Ewe, i-Hispanics inokufumana imali mboleko e-US. Unokufumana iimali mboleko zombini izizathu zorhwebo nezakho. Njengakwizikolo zeshishini ezilungileyo eMelika, kuya kufuneka ufake isicelo. Khangela ababolekisi kunye neemanyano zabathengi ezikulungeleyo ukukunceda kwaye bafake izicelo.
Iprojekthi yakho elandelayo ayilophupha nje. Unokwenza ukuba yenzeke. Fumana uncedo lwezemali oludingayo kwaye uye ezemali kuloo projekthi.
Ezona mali mboleko zibalaseleyo kwi-Hispanics
Imali mboleko yobuqu eMelika. Imali mboleko yakho sisisombululo esigqibeleleyo sekhredithi. Imali mboleko yomntu ngokubanzi ayikhuselekanga. Awudingi kunika isibambiso ukukhusela imali mboleko. Kananjalo ungasebenzisa imali mboleko yobuqu kuyo nantoni na oyifunayo. Iibhanki zemveli, kunye nababolekisi abaqhelekileyo, banikezela ngemboleko mali yabo. Kodwa unokufumana iimali mboleko zobuqu kubabolekisi abangaqhelekanga njengemanyano yamatyala kunye nababolekisi kwi-Intanethi.
Ababolekisi abangaqhelekanga banceda ngakumbi abafuduki. Bayabuqonda ubunzima ojamelana nabo njengomphambukeli. Banendlela efanelekileyo yokufumana ulungelelwaniso xa kuthelekiswa nababolekisi bemveli. Ke ngoko, kulula kakhulu kubafuduki ukuba bafumane imali-mboleko yobuqu kwabo bangabolekisi ngokwesiqhelo kunababolekisi bemveli. Naba babolekisi babini abangaqhelekanga ngokwesiko ababonelela ngemboleko mboleko yobuqu yaseSpain ukuze uqwalasele.
Zolile
Zolile ubonelela ngeemali-mboleko zakho ukuya kuthi ga kwi-25,000 yeedola eziqala nge APR 7.99%. Abafuni mali yamanqaku amancinci kwaye bazimisele ukunceda abafuduki abahlala kwi-visa e-US Awudingi kugunyaziswa okanye i-SSN (iNombolo yoKhuseleko lweNtlalo) kwaye ungakuhlawulisi naziphi na izohlwayo zangaphambili. Kufuneka nje uhlangane neendlela zokuziphatha ezilula zokufaneleka.
Imanyano yamatyala eLatino
Imanyano yamatyala eLatino ijonge ukunceda amalungu ayo. Abantu kuluntu lweSpanishi banokufaka izicelo zokuba ngamalungu kwaye basebenzise iinkonzo ezibonelelweyo. Bakhonza amalungu abo ngemali mboleko yomntu ukuya kuthi ga kwi-15,000 yeedola kubafakizicelo abazimeleyo kunye ne- $ 20,000 yabafakizicelo abadibeneyo.
Udinga oku kulandelayo ukuze ufake isicelo semali mboleko yobuqu kwiLatino Credit Union:
- Yiba lilungu leLatino Union Union
- Nika ubungqina bengeniso
- Unyaka omnye wokubuyiswa kweerhafu kubantu abasebenza ngokukhululekileyo
- Unyaka omnye wembali yamatyala.
I-Latino Union Union inokuba lolona khetho lubalaseleyo ukuba unokuhlangabezana neekhrayitheriya zokufaneleka kwakho.
Ezona mboleko zishishini zibalaseleyo eMelika
Imali mboleko yesipanishi . Ungayifumana njani imali-mboleko kwiinjongo zeshishini njengeSpanishi? Ngaba kukho iimali mboleko ze-Hispanics kolu luhlu? Uya kumangaliswa kukwazi ukuba unako. Makhe sijonge ezinye iindlela.
Imali mboleko zoLuntu zeSBA
Inkqubo ye- Imboleko mali ye-SBA yoLuntu lukhetho olulungileyo. Le mali mboleko isusela kwi- $ 50,000 ukuya kwi- $ 250,000 ngenqanaba lenzala phakathi kwe-7% kunye ne-9%. Imboleko iqinisekisiwe ngurhulumente womdibaniselwano kwaye ihlawulwa ngokubanzi ngababolekisi boluntu. Ezi mboleko zifikeleleke kwaye zinokunceda ishishini lakho liphumelele.
Amashishini enza inzuzo angafaka isicelo semali-mboleko. Nangona kunjalo, kuphela ngamashishini amancinci anezi zinto zilandelayo afanelekileyo:
- Abasebenzi abangaphantsi kwama-500
- Zizonke iiasethi ezingaphantsi kwezigidi ezili-15 zeedola
ISENZO
ISENZO ibonelela ngemali eyinkunzi kushishino kubantu baseSpain. Sele babonelele ngaphezulu kwe-60,000 yemali mboleko yeshishini ukuza kuthi ga ngoku. Baneminyaka engaphezu kwama-25 yamava kwaye bakhonze ngaphezulu kwe-500,000 yoosomashishini kwinkqubo.
Bayazingca ngeendlela ezifanelekileyo nezishintshayo zeshishini ekuboneleleni ngeenkonzo zezemali kubanini bamashishini abancinci ngonxibelelwano olukumgangatho wehlabathi kunye nezixhobo ngobuchule babo bokubolekisa. Banolwazi lwasekhaya olubancedayo ukubonelela ngeenkqubo ezilula zokufaka isicelo kwi-intanethi ukwenza iimveliso ezinkulu.
INgxowa-mali yeThuba
INgxowa-mali yeThuba Ukukhonza amawaka abantu ngemali mboleko yaseSpain. Ukuxhasa ngezimali ishishini lakho kunceda ukuphucula amashishini kumazwe ali-13 anabantu abaninzi baseSpain. Ama-61% abathengi bakho bafumana ukwanda kwintengiso kwaye i-56% yabathengi bakho baphucule amanqaku abo etyala ngenxa yabo. Bane-stellar 94% yezinga lokusinda kweshishini phakathi kwabathengi babo.
Kwiminyaka yabo engama-25 yokugqibela yokusebenza, babonelele ngaphezulu kwe- $ 900 yezigidi kwezemali. Bayakuthanda ukubonelela ngemali koosomashishini abasebenza nzima abazabalazela ukunceda abanini bamashishini kwiindawo ezingagcinwanga kakuhle zaseSpain ngoncedo abaludingayo ukuze baphumelele.
Izibonelelo zeshishini elinabanini beSpanishi
Izibonelelo zabucala nezikarhulumente zinokunceda amashishini aphantsi kweSpanishi. Kunokuba nzima ukufumana ukhetho. Ke nazi ezimbalwa eziluncedo lwakho.
- Izibonelelo.gov : a iwebhusayithi ngendawo enkulu yezibonelelo kurhulumente womanyano. Uninzi lweearhente zesibonelelo zidwelisa uncedo lwabo kule webhusayithi. Iinkonzo zayo ziluncedo ngakumbi kwiinkampani kwicandelo lezenzululwazi kunye netekhnoloji.
- UPhando lwamaShishini amaNcinci kunye nogqithiso lwetekhnoloji -I Iinkqubo ze-SBIR kunye ne-STTR Zizibonelelo zikarhulumente ezivela kwiiarhente ezahlukileyo zikarhulumente wobumbano. Ezi zibonelelo zigxile nakwisayensi nakwitekhnoloji. Uhlobo lwezi zibonelelo luyakhuphisana, kuphela ngabona bafaki zicelo abafumana uncedo. Abo bafumana uncedo lwezemali abasifaka isicelo banokufikelela kwi- $ 1.15 yezigidi kwinkxaso-mali.
- I-USDA Izibonelelo zoShishino lwaseMaphandleni Ngabanini bamashishini baseSpain kuphela kwiindawo ezisemaphandleni abanelungelo lokufumana ezi zibonelelo zibonelelwa ngu Isebe lezoLimo laseMelika . Bavulelekile ukuqala okanye ukwandisa amashishini amancinci. La ngamashishini anabasebenzi abangaphantsi kwama-50 kwaye ingeniso yonyaka engaphantsi kwe- $ 1 yezigidi ifanelekile.
- Umbutho weSizwe wabasebenzi abazimeleyo -I Umbutho weSizwe wabasebenzi abazimeleyo (NASE) unikezela ngezibonelelo ukuya kuthi ga kwi-4,000 yeedola. Faka isicelo kunye nabo kwaye ubonise ukuba isibonelelo singakunceda njani ukufezekisa iinjongo zakho zeshishini.
- I-Amber Scholarship yaBasetyhini -Abafazi baseSpain bajongana neminye imiqobo njengoko kufuneka boyise imiba yobuhlanga kunye neyesini. Inkqubo ye- Amber Scholarship inokubonelela nge- $ 2,000 yenkxaso mali kubanini bamashishini abali-12 ngonyaka. Abaphumeleleyo abali-12 bakhuphisana minyaka le ngebhaso elikhulu le- $ 25,000.
Izixhobo zoShishino Olungumnini ngeSpanishi
Imali mboleko iyodwa ayinakwanela ukunceda ukwakha amashishini. Ufuna ngaphezu kwemali. Nazi izibonelelo ezongezelelweyo abanini bamashishini abangamaSpanishi abanokuzifumana ziluncedo.
- I-Arhente yoPhuhliso lwamaShishini amancinci -Le nkqubo ikunceda unxibelelane nezinye izixhobo ezinokukunceda ungene kwiimarike ezintsha kunye neshishini lakho. Nxibelelana ne- Iziko le-MBDA yengingqi kwaye ufumane ukufikelela kwiingcali zeshishini kwishishini lakho.
- Igumbi laseMelika laseSpain lezoRhwebo : Nxibelelana ne- Igumbi laseMelika laseSpain lezoRhwebo Indawo Banokukunceda bakunike unxibelelwano oludingayo ukuze ufumane izivumelwano ezifanelekileyo zemali mboleko.
- INQAKU - INQAKU Ixhaswe ngurhulumente kwaye ikwaxhaswa ngemali yi-SBA. Indawo ifumaneka ngeSpanish, ethi incede ukusebenzela uluntu lwaseSpain ngokufanelekileyo. Izixhobo zalo zinceda ukuphucula amashishini aseSpain ngokuchaza imigaqo kunye nokubonelela ngoncedo lokukhulisa ukusebenza.
- Umdibaniso weLatino - Umdibaniso weLatino Unceda abanini bamashishini baseSpain ngezixhobo ezinxulumene neshishini. Banikezela ngenkonzo yokuxhasa kunye nokuphembelela kwinqanaba likarhulumente kumalungu abo. Kananjalo baneminyhadala yokunxibelelana rhoqo ukukhulisa uluntu lweshishini lweSpanishi.
isiphelo
Uluntu lwaseSpain lunamawaka oosomashishini abagcina iinkcubeko zaseLatino ziphila ngamashishini asekuhlaleni. Kodwa ngamanye amaxesha kuye kube nzima ukuqala ishishini elitsha okanye ukhulise imisebenzi esele ikhona ngaphandle kwemali yokuqalisa.
Unokufumana iimali mboleko kwi-Hispanics ukubanceda bakhule okanye baqale ishishini labo. Zombini iimali mboleko zomntu kunye nemali mboleko yeshishini inokukunceda uxhase ngeprojekthi yakho elandelayo. Faka isicelo namhlanje kwaye uqalise. imali mboleko eunited States.
Iziqulatho
- Ngaba zikho iimali mboleko zeSpanics eMelika?
- Ezona mali mboleko zibalaseleyo kwi-Hispanics
- Zolile
- Imanyano yamatyala eLatino
- Ezona mboleko zishishini zibalaseleyo eMelika
- Imali mboleko zoLuntu zeSBA
- ISENZO
- INgxowa-mali yeThuba
- Izibonelelo zeshishini elinabanini beSpanishi
- Izixhobo zoShishino Olungumnini ngeSpanishi
- isiphelo