Imali-mboleko eNkulu yoLuntu kwiSpanish. Uyifumana njani iMali-mboleko yobuqu kwi-Capital One Ukukhangela kwakho imali mboleko yakho kunokukukhokelela kwi-Capital One, enye yeebhanki ezinkulu eMelika eyaziwa ngamakhadi ayo etyala kunye neeakhawunti zebhanki ezikwi-Intanethi.
Imali mboleko yobuqu yimali mboleko engakhuselwanga onokuyifumana ngaphandle kokunikezela ngesibambiso.
Ngokungafaniyo nemali mboleko yekhaya okanye yemoto apho ibhanki ingabuyisa oko ikuthengileyo ngemali mboleko, ekwabizwa ngokuba yimali mboleko ekhuselekileyo, ibhanki ixhomekeke kwilizwi lakho ukuba iyakubuyisa imali mboleko.
Unokusebenzisa iimali mboleko zakho kwiinjongo ezahlukeneyo, ezinje ngokudityaniswa kwamatyala, ukuphucula ikhaya, okanye ukuhlawula amatyala angalindelekanga.
Funda ukuba ngabaphi ababolekisi ababonelela ngemboleko-mali yakho kwaye ubone ukuba yeyiphi na imali-mboleko eyinikwayo.
Faka isicelo seKhadi eliNye lokuthenga ngetyala ngeSpanish
Ukufaka isicelo seKhadi elinye lekhadi letyala landela le miyalelo:
- Ngena kwi capitalone.com/credit-cards/prequalify kwaye ngaphantsi kwemizuzwana engama-60 uzakubona ukuba ufanelekile na.
- Gcwalisa imenyu ngolwazi oluceliweyo: Igama lakho lokuqala, igama lakho lokugqibela, umhla wokuzalwa, inombolo yakho yokhuseleko lwentlalo, idilesi yakho yokuhlala ngaphandle I-CMRA okanye P.O. Box kwaye ukuba kufanelekile, beka igumbi eliphambili.
- Phendula lo mbuzo ulandelayo oza kukubuza isiza malunga nesibonelelo osifumanayo ngekhadi eliyinkunzi, ungaphendula umvuzo wohambo, ukubuyisa imali, inzala ephantsi okanye andiqinisekanga okwangoku.
- Phendula ngendlela olikala ngayo inqanaba letyala lakho, kunokuba lihle, umndilili okanye ukwakhiwa kwakhona.
- Jonga ibhokisi endiyiqondayo ukuba esi ayisosicelo sekhadi letyala.
- Ekugqibeleni nqakraza ukubona ukunikezelwa kwamakhadi abo.
Ungasifaka njani isicelo semali mboleko yomntu
Xa ufaka isicelo semali mboleko yobuqu, umbolekisi uya kucela ulwazi oluza kusetyenziswa ukuqinisekisa ubungqina bakho.
Iya kusebenzisa olu lwazi ukumisela ukufaneleka kwakho kumatyala kunye nokuba ungahlawula na.
Olunye ulwazi oluya kudinga ukubonelela lubandakanya:
- Igama
- Umhla wokuzalwa
- Ubungqina besazisi, njengephepha-mvume lokuqhuba
- Inombolo yokhuseleko lasekuhlaleni
- Ubungqina bengeniso, ezinje ngeengxelo zebhanki okanye iintonga zokuhlawula.
- Ukuqinisekiswa kwengqesho
Nangona uluhlu lunokubonakala lukhulu, kulungile ukuba ulwazi oluninzi lunikezelwa.
Ababolekisi abasebenza ngokuzimisela kwaye bacele ulwazi oluninzi banokuchonga ngokuchanekileyo amathuba akho okusilela kwimali mboleko.
Oko kuthetha ukuba banokuseta iqondo lenzala ngokuchanekileyo, ke ukuba ikhredithi yakho intle, imali mboleko yakho ayizukubiza.
Ungawonyusa njani amathuba akho okufumana ukuVunywa kweMali-mboleko yobuqu
Ukuphucula amathuba okufumana imvume mboleko, kukho amanyathelo ambalwa ekufuneka uwathathile.
Eyokuqala kukuphucula amanqaku akho etyala. Kwixesha elifutshane, eyona ndlela yokwenza oku kukunciphisa ukusetyenziswa kwekhredithi yakho kunye nokususa amanqaku ajongekayo kwingxelo yakho yamatyala.
Unokunciphisa ukusetyenziswa kwakho ngokuhlawula yonke ibhalansi yekhadi lakho letyala. Ukuphakamisa umda kumatyala akho akukhuthazi ukuzithemba kumbolekisi.
Ukususa amanqaku athobayo kwingxelo yakho yamatyala, ungazama ukunxibelelana nababolekisi bakho bangaphambili ukuba balungiselele isivumelwano sentlawulo-sokususa.
Enye indlela yokwandisa amathuba akho okuvunywa kukuthoba umyinge kumvuzo wakho kwityala.
Ukuba uhlawula elinye ityala okanye wonyusa ingeniso yakho, uya kuba nemali eninzi efumanekayo yokwenza intlawulo yakho entsha yemali mboleko.
IiKhadi ezi-7 eziGqwesileyo zeNkulumbuso zeKhadi enye yamatyala ka-2021
Faka isicelo seKhadi elinye lekhadi letyala .
Inkulumbuso enye iphakathi kweyona nkampani ibalaseleyo yamakhadi okuthenga ngetyala iyonke kuba inesibheno kwindalo yonke, inamakhadi amakhulu abantu kuwo onke amanqanaba etyala, kunye nezinto ezininzi ezilula ukuzisebenzisa. Umzekelo, iCapital One yenye yeenkampani ezimbalwa zekhadi letyala ezishenxisa umrhumo wentengiselwano lwangaphandle kuyo yonke iminikelo yamakhadi etyala. Imali yokuqala yamakhadi etyala ikwanazo neebhonasi zomvuzo onesisa ezikhoyo.
Ukukunceda ufumane elona khadi lililo leNkulumbuso yeemfuno zakho, abahleli beWalletHub bathelekisa zonke izibonelelo ezikhoyo ngokusekwe kumvuzo wabo, iifizi, iifizi kunye neemfuno zokuvunywa. Emva koko sikhetha eyona makhadi makhulu e-Capital One kwezona ndidi zidumileyo. Unokufunda okuncinci malunga nokhetho ngalunye lweWalletHub apha ngezantsi.
Imali eyiNkulumbuso yokufumana imali ngokukhawuleza kwiKhadi letyala
Elona khadi liphambili lokuthenga ngetyala imali eyi-Capital One Quicksilver Cash Rewards yekhadi letyala. Ngokukhawuleza umvuzo wamnini wamakhadi ngereyithi ethe tyaba, ubuyisela i-1.5% yemali kuzo zonke izinto ozithengileyo. Ikwanayo nemali yonyaka eyi- $ 0.
I-Capital One Venture Imivuzo yeKhadi letyala
Elona khadi lililo lokuthenga ngetyala elilelona lihle kakhulu lokufumana umvuzo yiCapital One Venture Imivuzo yekhadi letyala. I-Venture ibonelela ngebhonasi yokuqala ukuya kuthi ga kwi-100,000 yeekhilomitha yokuchitha i-20,000 yeedola kwiinyanga ezili-12 zokuqala zokuvula iakhawunti. Okanye usenakho ukufumana iimayile ezingama-50,000 ngokuthenga i- $ 3,000 kwiinyanga ezintathu zokuqala. Iimayile ezingama-50 000 zixabisa i-500 yeedola kuhambo. Abanini bamakhadi bafumana imayile ezi-2 kuyo yonke i-1 yedola echithwe kuko konke ukuthengwa. Iimayile zingasetyenziselwa ukuhlawulela nakuphi na ukuthengwa kokuhamba okutsha.
Inkulumbuso yokuQala ngokuKhawulezayoOmnye wemivuzo yeMali eyiKhadi
Elona khadi lililo lokuthenga ngetyala elona lilungele abantu abanetyala elifanelekileyo abalindele ukuchitha ubuncinci i-2,600 yeedola ngonyaka yi-Capital One QuicksilverOne Cash Rewards yekhadi letyala. Ikhadi le-QuicksilverOne libonelela nge-1.5% yemali kuzo zonke izinto ozithengileyo, kodwa ubiza umrhumo wonyaka oyi-39 yeedola. Ukuba ulindele ukuchitha imali encinci, qwalasela ikhadi lekhredithi le-Capital One Platinum, elingenayo imali yonyaka kodwa elinganikeli mbuyekezo.
Inkulumbuso yeNgcaciso yeMastercard® ekhuselekileyo
Elona khadi lililo leCapital elineengxaki zeentengo zemboleko yiCapital One Secured MasterCard®, inemali eyi- $ 0 yonyaka, umda wokuqala wetyala weedola ezingama-200 kunye nedipozithi encinci yokhuseleko ye- $ 49, $ 99 okanye i- $ 200.
I-Capital One® Savor® Imali yemali yamatyala
Abafakizicelo abanomdla wokugcina ngakumbi ekutyeni nasekuzonwabiseni, elona khadi lililo leCapital One yiCapital One® Savor® Cash Rewards khadi. Inika umda we-4% yemali ekubuyiseleni ukutya kunye nokuzonwabisa, i-2% kwiivenkile zokutya, kunye ne-1% kuyo yonke enye into. Kukho ibhonasi yokuqalisa eyi- $ 300 kubafakizicelo abatsha abachitha ubuncinci i-3,000 yeedola kwiinyanga ezintathu zokuvula i-akhawunti. Abantu abathandabuzayo ukuhlawula imali engama- $ 95 yonyaka kwiKhadi leSavor banokuthathela ingqalelo iKhadi leCredit One SavorOne Cash Rewards, elinemali eyi- $ 0 yonyaka kodwa engenabubele kwimivuzo.
Imivuzo yeKapitali yoKhenketho lwabafundi
Abafundi beKholeji abafuna ikhadi lamatyala eliNkulu kufuneka bafumane iMivuzo yabafundi eyiNkulumbuso. ityala okanye akukho khredithi.
ICapital One® Spark® Imali yeShishini
Isondele, kodwa elona khadi lililo lokuthenga ngetyala yiCapital One® Spark® Cash yeShishini. I-Spark Cash ibonelela nge-2% yemali ekubuyiseleni ekuthengeni, kunye nebhonasi yokuqala eyi- $ 500 yokuchitha i- $ 4,500 kwiinyanga ezintathu zokuqala zokuvula iakhawunti. Uninzi lwabanini bamashishini abancinci banokufumana okuninzi kwimali ebuyisiweyo, kodwa abo bahamba rhoqo kufuneka baqwalasele iCapital One® Spark® yeemayile zeshishini.
Amakhadi aMatyala aKhulu aBalaseleyo
| Ikhadi letyala | Kungcono | Min. Ikhredithi iyafuneka | Inqanaba lomhleli |
| Imali eyiNkulumbuso yokufumana imali ngokukhawuleza kwiKhadi letyala | Ukubuyiselwa kwemali | Kulungile | 4.4 / 5 |
| I-Capital One Venture Imivuzo yeKhadi letyala | Umvuzo wokuhamba | Kulungile | I-5.0 / 5 |
| Inkulumbuso yokuQala ngokuKhawulezayoOmnye wemivuzo yeMali eyiKhadi | Ityala elifanelekileyo | Imbali encinci | 4.7 / 5 |
| Inkulumbuso yeNgcaciso yeMastercard® ekhuselekileyo | Ityala elibi | Okubi | I-5.0 / 5 |
| I-Capital One® Savor® Imali yemali yamatyala | Ukutya nokuzonwabisa | Kulungile | I-5.0 / 5 |
| Imivuzo yeKapitali yoKhenketho lwabafundi | Abafundi | Imbali encinci | I-5.0 / 5 |
| ICapital One® Spark® Imali yeShishini | Ishishini | Kulungile | I-5.0 / 5 |
Nje ukuba ufumane elona khadi lililo leNkulumbuso kwiimfuno zakho, unokulithelekisa neyona ntengiso ibalaseleyo kwimarike iyonke ukuze uqiniseke ukuba ufumana esona sivumelwano.
Funda ngakumbi ngamakhadi okuthenga ngetyala amakhulu
I-capital One yamakhadi etyala athanda ukuba phakathi kwamakhadi etyala athandwayo kwimarike, ngakumbi xa kufikwa kumabhaso anomtsalane kunye nokwakha ngexabiso eliphantsi. Kodwa nangona ligama elikhulu, kusenokwenzeka ukuba isekhona into ongayaziyo malunga neNkulumbuso yokuqala kunye neminikelo yayo yekhadi letyala. Apha ngezantsi siza kubonisa iindawo ezimbalwa eziphambili ukuze ube nokwaziswa kangangoko ngaphambi kokungenisa isicelo sakho.
Inkulumbuso yokufumana amanqaku kwiKhadi letyala
Iimali ezinkulu zamanqaku okuthenga ngetyala ziyahluka kwikhadi. Kodwa kukho ubuncinci ikhadi elinye leNkulumbuso elifumanekayo kubantu abanalo lonke uhlobo lwamanqaku etyala, ukusuka kumanqaku amabi ukuya kumanqaku aphezulu. I-Capital One Secured Mastercard® yeyona khadi iphambili yeKhapitali yabantu abanamanqaku asezantsi okanye abanembali yetyala. Kwelinye icala lesiphelo, awona makhadi makhulu ngokugqibeleleyo, kubandakanya iVenture, iSavor, kunye neQuicksilver, afuna ikhredithi elungileyo okanye ebalaseleyo yokuvunywa.
Ungajonga amanqaku akho akutshanje asimahla kwiWalletHub ukuqikelela amathuba akho okufumana ikhadi lekhredithi eNye.
Inzala yeKhadi elinye letyala
Inzala kwiKhadi elinye lekhadi letyala linokuba sezantsi njenge-0% yexesha elimiselweyo okanye liphezulu njenge-26.99% (V), kuxhomekeke ekhadini. Abanini bamakhadi abahlawula imali eseleyo kwizitetimenti zabo phambi komhla obekiweyo inyanga nenyanga abazukuhlawula inzala.
Imali eyinkunzi yokuthenga ngetyala
Imali eyinkunzi yokuthenga ngetyala isukela kwimivuzo emikhulu, iifizi eziphantsi, kunye namakhadi abantu kuwo onke amanqanaba etyala ukuya kwisiqinisekiso semali yetyala lobuqhetseba se- $ 0 kunye nezibonelelo ezincedisayo njengeinshurensi yokuhamba. Ubuncinci ubuncinci bekhadi elinye lekhadi letyala elikwinqanaba ezintlanu kwizifundo ezinzulu zeWalletHub ezine kwizibonelelo ezithandathu eziphezulu ezisecaleni ezifumaneka kumakhadi etyala: i-inshurensi yemoto eqeshisayo, ukhuseleko lwamaxabiso, iwaranti eyandisiweyo kunye neinshurensi yokuhamba. I-capital One yamakhadi etyala ayiboneleli ngokhuseleko, kwaye inkqubo yokhuseleko lokuthenga yenkampani ihleli kufutshane nasezantsi kwepakethi kunaphezulu.
Inqanaba elinye leMida yeKhadi letyala
Imida yokuthenga ngetyala kwiKhapitali enye yamakhadi etyala amiselwe ngokujonga kuphononongo lwembali yomenzi-sicelo kunye nokukwazi ukuhlawula. Ubuncinci bemida yokuthenga ngetyala zichaziwe ngokwemigaqo neemeko zabanye, kodwa ayizizo zonke, i-Capital One yekhadi letyala.
I-capital One yamakhadi etyala adityaniswa
Abantu abanamakhadi amaninzi e-capital One banokuphinda-badibanise ezo akhawunti, ngokulula kweakhawunti enye kunye nemida edityanisiweyo yamakhadi okuqala. I-Capital One iyekile eli nqaku ngo-2019, nangona kunjalo, kwaye akukho nto ibonisa ukuba iya kubuya nini okanye iza kubuya nini.
Elona nani liphezulu lekhadi eliyikhredithi yeNye
Elona nani liphezulu leCapital One yamakhadi etyala anokuthi umntu abe nawo mabini. Lo mda awusebenzi kwikhadi elikhuselekileyo leCapital One, amakhadi e-capital One adityaniswe kunye nabathengisi abakhulu, okanye amakhadi etyala eshishini.
Zeziphi iimali mboleko ezikhoyo kwiCapital One
ICapital One ibonelela ngeenkonzo ezahlukeneyo zebhanki kunye nemali mboleko kubathengi bayo. Ezinye zeentlobo zemali mboleko ezibonelelwa yinkampani zibandakanya:
- Amakhadi etyala
- Imali mboleko ngokuzenzekelayo
- Ubolekiso
- Imali mboleko yasekhaya
- Imigca yokulingana kwiKhaya (i-HELOC)
- Amakhadi amaTyala amaShishini amaNcinci
Amakhadi etyala
Inkulumbuso yokuqala yaziwa ngeminikelo yamakhadi etyala, kubandakanya amakhadi amabhaso okuhamba, amakhadi abuyisa imali, kunye namakhadi ukunceda ukwakha ikhredithi.
Amakhadi etyala luhlobo lwemali mboleko engakhuselekanga. Akukho asethi anokuyifumana umboleki ukuba awuyikuhlawula ityala lakho.
Oko kuthetha ukuba inzala inokuba phezulu kakhulu. Xa usebenzisa ikhadi lakho letyala, imali ehlawulweyo iya kongezwa kwityala lakho. Ukuba awuyihlawuli imali eseleyo ngokupheleleyo ngomhla obekiweyo wokuhlawula, inzala iya kuqala ukwanda.
Nangona imivuzo inokuba yinzuzo, bahlawula ngokukhawuleza inzala, ke qiniseka ukuba ungalihlawula lonke ityala ngaphambi kokusebenzisa ikhadi lebhanki.
Imali mboleko ngokuzenzekelayo
ICapital One ibonelela ngeemali-mboleko zokuthengwa kwezithuthi ezitsha nezikhe zasetyenziswa. Unokuyilungisa kwakhona imali mboleko yakho esele ikhona ebhankini. Oko kunokukunceda ukunciphisa intlawulo yakho yenyanga okanye ugcine kumdla wenzala.
Kuxhomekeka ekubeni imoto intsha okanye isetyenzisiwe, ukwenziwa kunye nemodeli yonyaka, inzala inokwahluka kakhulu.
Ubolekiso
Ubambiso yimali mboleko efunyanwa ukuze uthenge ipropathi yokwenene, nokuba likhaya okanye ipropathi yotyalo mali.
ICapital One ibonelela ngobambiso olutsha kunye nokubuyiselwa kwemali mboleko kubathengi bayo.
Ngenxa yokuba imali mboleko ikholisa ukuba yimali enkulu, ephezulu njenge- $ 1 yezigidi okanye nangaphezulu, ixesha lemali mboleko lide kakhulu.
Inkunzi yokuqala ibonelela ngemali mboleko emiselweyo malunga neminyaka elishumi elinesihlanu okanye engamashumi amathathu. Unokufumana kwakhona i-rate mortgage rate (ARM).
Ngomlinganiselo osisigxina wokuthenga ngemali mboleko, utshixa inzala yobomi bemali mboleko xa uthenga ikhaya lakho.
Nokuba ungaboleka ixesha elingakanani, inzala iya kuhlala injalo. Ekuphela kwendlela yokutshintsha kukuba ugqiba kwelokuba uphinde uyibuyise imali mboleko.
Umyinge wemali mboleko onokuhlengahlengiswa ngokubanzi unenzala ephantsi kunemali mboleko emiselweyo, ubuncinci ekuqaleni.
Nje ukuba ixesha lokuqala liphelelwe, inzala inokutshintshwa rhoqo.
I-5 / ARM ye-ARM, umzekelo, ivala kwinqanaba lokuqala leminyaka emihlanu, kodwa ivumela umbolekisi ukuba atshintshe inqanaba minyaka le emva kwelo xesha. Okwangoku, ii-ARM zinokuba sisivumelwano esihle ukuba unethemba lokuhamba okanye ucwangcise ukuhlawula imali mboleko ngokukhawuleza okukhulu.
Imali mboleko yasekhaya
Imali mboleko yokulingana ekhaya ivumela ukuba uguqule ubulungisa bekhaya lakho libe yimali onokuyisebenzisela ezinye iinjongo. Njengobambiso, imali mboleko yokulingana ekhaya ixhaswa bubulungisa ekhayeni lakho, ke ukuba awubhatali, umbolekisi angalifumana ikhaya lakho.
Uyahlawulwa ngalo mngcipheko ngamazinga enzala asezantsi kunokuba ubunokufumana ngeemali-mboleko ezingakhuselekanga, ezinje ngekhadi letyala.
Imali mboleko yokulingana ekhaya ihanjiswa kuwe njengesixa esinye. Nje ukuba uthathe imali mboleko, kuya kufuneka uhlawule ngenyanga de ibe ihlawulwe. Oku kubenza ngcono iindleko ezinkulu ezinje ngeeprojekthi zokuphucula ikhaya.
Imigca yokulingana kwiKhaya (i-HELOC)
Umgaqo wokulingana kwetyala lekhredithi ujika imali yakho yasekhaya iye echibini lemali apho unokutsala khona imali.
Umbolekisi wakho uya kukunika umda wekhredithi kwaye ungatsala imali ukuya kuthi ga kulo mda. Unokukhetha kwakhona ukuba ungayikhuphi imali, ushiye i-HELOC ivulekile ukuba uyayifuna.
Ukuba urhola imali kwi-HELOC, isebenza kakhulu njengekhadi letyala. Ukuba awuyibuyisi ngaphambi komhla omiselweyo, kuya kufuneka uhlawule inzala kwimali mboleko. Ukuba awunayo ibhalansi ye-HELOC, awuyi kuhlawula nantoni na.
Ngenxa yokuba ii-HELOCs zibonelela ngokufikelela kwimali kwimfuno, zilunge ngakumbi xa unengeniso engaqinisekanga okanye inkcitho kwaye ufuna imali eyongezelelweyo.
isiphelo
Nangona iCapital One inganikeli ngemali mboleko yakho, inokuba sisixhobo esiluncedo semali. Ukuba ufuna enye, zininzi iinkampani eziza kukhuphisana nethuba lokukuboleka.
Iziqulatho
- Faka isicelo seKhadi eliNye lokuthenga ngetyala ngeSpanish
- Ungasifaka njani isicelo semali mboleko yomntu
- Ungawonyusa njani amathuba akho okufumana ukuVunywa kweMali-mboleko yobuqu
- IiKhadi ezi-7 eziGqwesileyo zeNkulumbuso zeKhadi enye yamatyala ka-2021
- Imali eyiNkulumbuso yokufumana imali ngokukhawuleza kwiKhadi letyala
- I-Capital One Venture Imivuzo yeKhadi letyala
- Inkulumbuso yokuQala ngokuKhawulezayoOmnye wemivuzo yeMali eyiKhadi
- Inkulumbuso yeNgcaciso yeMastercard® ekhuselekileyo
- I-Capital One® Savor® Imali yemali yamatyala
- Imivuzo yeKapitali yoKhenketho lwabafundi
- ICapital One® Spark® Imali yeShishini
- Amakhadi aMatyala aKhulu aBalaseleyo
- Funda ngakumbi ngamakhadi okuthenga ngetyala amakhulu
- Inkulumbuso yokufumana amanqaku kwiKhadi letyala
- Inzala yeKhadi elinye letyala
- Imali eyinkunzi yokuthenga ngetyala
- Inqanaba elinye leMida yeKhadi letyala
- I-capital One yamakhadi etyala adityaniswa
- Elona nani liphezulu lekhadi eliyikhredithi yeNye
- Zeziphi iimali mboleko ezikhoyo kwiCapital One
- Amakhadi etyala
- Imali mboleko ngokuzenzekelayo
- Ubolekiso
- Imali mboleko yasekhaya
- Imigca yokulingana kwiKhaya (i-HELOC)
- isiphelo