Ayikho Imali mboleko Yomuntu e-USA

Imali mboleko ngaphandle kokuhlolwa kwesikweletu

Imalimboleko yomuntu siqu yokungabheki isikweletu uhlobo lwemalimboleko engadingi uphenyo olunzulu ngombiko wakho wesikweletu ngesikhathi senqubo yokufaka isicelo. Lokho kusho ukuthi umlando wakho wesikweletu awuyona into ekwamukelweni kwemalimboleko. Kodwa-ke, akukho mali mboleko yokuhlolwa kwesikweletu engaqinisekisi ukuvunywa. Ukuthi ufaneleke yini noma cha kuncike kwezinye izinto, njengemali engenayo noma isibambiso sokuvikela imalimboleko.

Akukho mali ebolekwa ekuhloleni izikweletu engazwakala imnandi kakhulu ukuthi ingaba yiqiniso, futhi kunjalo. Bajwayele ukuba yimalimboleko yokudla ngamanani enzalo aphezulu kakhulu nezimali ezikhokhwayo. Iningi futhi lidinga ukuthi ufake okuthile okuyigugu, okufana nokuhola kwakho okulandelayo noma isihloko semoto, ukuze uthole imali mboleko.

Uma unesikweletu esibi, kuyiqiniso ukuthi ngeke ufanelekele ukuthola imali mboleko engavikelekile. Imvamisa, uzodinga amaphuzu wesikweletu we-600-660 ubuncane. Kepha kunamabhange amaningi anedumela elihle, njenge U-Wells Fargo futhi PNC , okunikela ngemali mboleko evikelekile engadliwanga kubantu abanezikweletu ezimbi noma okungcono. Noma, uma ucela usizo lomuntu osayina naye, ungasebenzisa isikweletu sakho ukuthola imali mboleko engaphephile.

Ngezansi uzothola imininingwane ngezinhlobo zezimali mboleko zokuhlolwa kwezikweletu ezingatholakali, kanye nezici zazo nobungozi obubandakanyekayo. Ungabona futhi ezinye izindlela ezizokusiza ukuthi ucele imali mboleko enobungozi obuncane nezimo ezingcono.

Ababolekisi aba-4 abahamba phambili abanganikeli ngemalimboleko yesikweletu

Izimalimboleko zomuntu siqu ngaphandle kwesikweletu. Izimalimboleko eziphuthumayo ngaphandle kwesheke lesikweletu Uma udinga imali yesimo esiphuthumayo, ungahle ungabi nesikhathi sokwakha isikweletu ngaphambi kokufaka isicelo semalimboleko. Nazi ezinye izinketho zemalimboleko okufanele uzicabangele.

• U-Earnin : Uma uqashiwe noma uthola izinzuzo zokungasebenzi futhi uhlangabezana nezinye izidingo, u-Earnin angaba yindlela enhle yokukhokha okuncane ukukusiza kuze kube yiholo lakho elilandelayo. Uhlelo lokusebenza lwe-Earnin luthuthukisa ababoleki abasha kuze kufike ku- $ 100 (futhi liphinda amakhasimende aze afike ku- $ 500). Futhi ayikhokhisi imali ephoqelekile noma inzalo, esikhundleni salokho ubeka lokho ocabanga ukuthi kulungile.
• ngesikhathi esifanele : Lo mbolekisi uthi ungafaneleka ngaphandle komlando wesikweletu futhi unikeze ngemali mboleko yomuntu siqu ephephile nengavikelekile. U-Oportun uthi uzohlola isikweletu sakho, kepha futhi ubheka nezinye izinto. Inkampani ibika umlando wakho wokukhokha kuma-credit bureau, ngakho-ke ingakusiza ukwakha isikweletu ngokukhokha okuphelele nangesikhathi.
• Kubekiwe : Lo mbolekisi ugxile ekunikezeni imali mboleko kwabokufika nakwalabo abangagcinwanga kahle. Ungafaka isicelo noma ngabe awunayo inombolo yokuphepha komphakathi okwamanje. Le nkampani ithi ihlaziya imininingwane efana nolwazi lomsebenzi wakho, imali oyitholayo nemikhuba yakho yezezimali.
• Brigit : Uma ungenandaba nemali yobulungu yanyanga zonke, uBrigit uzokuqhubela phambili afike ku- $ 250. Uhlelo lokusebenza libuye lunikeze ngezici ezinjenge-tracker yezindleko nokuthuthuka okuzenzakalelayo uma kwenzeka ubikezela ukuthi usengozini yokusebenzisa i-akhawunti yakho ngokweqile futhi udinga imali esheshayo.

Lapho Ungathola khona Imali mboleko Yesikweletu Esingakhokhiswa

Kunezindawo eziningana lapho ungathola khona imalimboleko yokuhlolwa kwesikweletu. Kubandakanya ababolekisi bezinsuku zokuhola, izitolo ezikhokhelwa ngemali, ababolekisi bamatayitela ezimoto, nabangane noma umndeni. Azikho ezilungile.

Umbolekisi Wosuku Lokukhokha:

Ababolekisi abaningi bezinsuku zokukhokha bakhangisa ukuthi abanalo isheke lesikweletu ukuze bavunyelwe. Kepha lezi zinhlobo zababolekisi zidla ngendlela emangalisayo. Bakunikeza isamba semali, imvamisa kungama- $ 500 noma ngaphansi, ukuze ukhokhe ngemali yakho elandelayo oyiholayo. Kepha futhi kufanele ukhokhe imali ephezulu evame ukulingana ne-400% APR. Ngakho-ke ngeke nje ube nezikweletu eziningi kakhulu kunalokho okufanelekile ezindlekweni zezezimali, kodwa iholo lakho elilandelayo selizovele libe nenqwaba yalo. Gwema ukubolekwa imali ngazo zonke izindlela.

I-Pawnshop:

Izitolo zePawn zithandwa kakhulu muva nje ngenani elikhulu lezinhlelo ze-TV ezingokoqobo ezisekelwe kuzo. Lapho upheqa okuthile okuyigugu, umbolekisi ukukunikeza imali engu-20% kuya ku-60% yemali yakhe njengemali mboleko. Isitolo siyigcina leyo nto kodwa asiyithengisi isikhathi esithile, imvamisa izinyanga ezimbalwa. Uma umnikazi wento ebuyisa imalimboleko, kanye nenzalo yenyanga (2% kuya ku-25% noma ngaphezulu, kuya ngesimo), bayayithola leyo nto. Uma kungenjalo, isitolo esidayiswayo singathengiswa.

Umbolekisi wetayitela yemoto:

Laba babolekisi banikela ngemalimboleko okufanele usebenzise itayitela lakho lemoto (isitifiketi esikwenza ube ngumnikazi wemoto ngokusemthethweni) njengesibambiso. Ngokusobala, umbolekisi ukuvumela ukuthi uboleke phakathi kuka-25% no-50% wenani lemoto, elizobuyiselwa ezinsukwini eziyi-15 kuya kwezingama-30 ngemali elingana nokufika ku-25% wenani elibolekiwe. Lezi zimali mboleko zisukela ku- $ 100 ziye ku- $ 5,500, ngokwesilinganiso (kwesinye isikhathi i- $ 10,000 +), ngokwe-Federal Trade Commission.

Uma ungakwazi ukukhokha imali mboleko esikhathini esinqunyiwe, umbolekisi angakudlulisela enyangeni ezayo. Lokhu kukunika enye inyanga ukuthi uyikhokhe futhi, ngokushintshisana nezimali zenye inyanga. Ekugcineni, uma uyigoqa kaningi, umbolekisi angathatha imoto yakho. Gwema lezi zimali mboleko.

Imali mboleko evela emndenini / kubangani:

ilungu lomndeni noma umngani akanalo ikhono lokuhlola ngokuphelele isikweletu. Futhi bangazimisela ukukuboleka imali noma ngabe isikweletu sakho sibi. Kodwa-ke, kubalulekile ukuphatha imalimboleko enjalo njengobuchwepheshe njengoba ubungaboleka imali ebhange.

Imikhonyovu: Ngeshwa, ezinye azikho izimali mboleko zokuhlolwa kwesikweletu imikhonyovu ebiza kakhulu. Uma ucelwa ukuthi wenze uhlobo oluthile lokukhokha kusengaphambili ngaphambi kokuthola imali mboleko yakho, kuyifulegi elikhulu elibomvu. Uma bengadaluli amanani abo, lelo ifulegi elibomvu futhi. Kufanele wenze ucwaningo ngenkampani ukuthola ukuthi ngabe iyinkampani esemthethweni ngempela yini; Isibonelo, ngabe ibhalisiwe njengebhizinisi esifundazweni sakho? Futhi uma iwebhusayithi yakho ingenayo i-https (emele evikelekile) ku-URL, ngeke ufune ukufaka noma yiluphi ulwazi lomuntu siqu.

Ezinye izindlela ngaphandle kwemali mboleko yokuhlola isikweletu

Azikho izimali mboleko zokuhlolwa kwesikweletu ngokuvamile ezigwenywa kangcono ngoba imvamisa uzogcina ukhokha inzalo ephezulu ngendlela exakile. Kodwa-ke, kunezindlela eziningana lapho nabantu abanesikweletu esibi bengathola imalimboleko efanelekile.

• Izimalimboleko zomuntu siqu eziqinisekisiwe: Esikhundleni sokuzama ukuthola imalimboleko edliwayo kumbolekisi ongacacile ozokukhokhisa inzalo enkulu, khetha imali mboleko evikelekile kumbolekisi oqinisiwe. Amanye amabhange aphezulu ahlinzeka ngemalimboleko ephephile yi-Wells Fargo, i-PNC, iFifth Third Bank, ne-KeyBank. Ngenkathi umbolekisi ezobheka isikweletu sakho, kusamele ukwazi ukuvunywa ngesikweletu esibi ngoba kuzofanele unikeze ngesibambiso.
• Ukusayina ndawonye: I-cosigner umuntu othatha umthwalo wemali mboleko yakho. Umbolekisi usebenzisa lowo muntu isikweletu nemali ayitholayo ukunquma ukuthi uzoyivuma yini noma cha imalimboleko. Futhi uma ungakwazi ukukhokhela izinkokhelo endleleni, osayine ngokubambisana kufanele akhokhe ibhalansi. Uma ungathola umuntu onesikweletu esihle nemali engaguquguquki ezimisele ukusayina ngokubambisana, akufanele ube nenkinga yokuvunyelwa imali mboleko engaphephile.
• amakhadi esikweletu ngaphandle kokuhlolwa kwesikweletu: abantu abanesikweletu esibi banezinketho ezithile zekhadi lesikweletu. Okokuqala ukuvula ikhadi isikweletu esivikelekile , ezokunikeza ithuba elihle lokuvunywa, kepha ngeke ikuvumele ukuthi uboleke imali. Noma, ungafuna ikhadi lesikweletu elingavikelekile ngesikweletu esibi, esingadingi idiphozi kepha sizokhokhisa imali ephezulu. Ekugcineni, ingaba yi- umsebenzisi ogunyaziwe ekhadini lesikweletu lomunye umuntu. Lowo muntu angakuvumela ukuthi uboleke kulayini wesikweletu sakhe.

Kuyini ukubolekwa komuntu uqobo akunasheke lesikweletu?

Izinkampani eziningi zemalimboleko yomuntu siqu zigxile ekusebenzeni nababolekisi ababi bezikweletu. Kepha akukho ukubolekwa kwemali okuhlolwa ngesikweletu okwenye into. Ababolekisi abanikeza lezi mboleko bangabheka ezinye izici zezimali zakho, njengerekhodi elijwayelekile lokuqashwa kanye ne-akhawunti yokuhlola, kunokuhlola okuqinile kwesikweletu. Abanye ababolekisi kungenzeka bangazikhathazi nganoma iyiphi eyodwa.

Imalimboleko engadingi ukubhekwa ngesikweletu ifaka phakathi usuku lokuhola kanye nemalimboleko yetayitela lemoto. Esikhundleni sokuhlolwa kwesikweletu, bangadinga imininingwane ku-akhawunti yasebhange, ubufakazi bemali engenayo yamanje, nenombolo yocingo evumelekile.

Lezi zimali mboleko zivamise ukuba nezikhathi ezimfushane zokukhokha, ngokuvamile ezisukela emasontweni ambalwa kuye enyangeni. Imali mboleko yosuku lokukhokha ayiphephile futhi ngokuvamile kufanele ikhokhwe ngaphambi kosuku olulandelayo lokukhokha. Imalimboleko yetayitela lezimoto, ngakolunye uhlangothi, ivikelekile ngesihloko semoto yakho.

Ababolekisi abanikezela ngemalimboleko yosuku lokukhokha kanye neyetayitela yemoto banganikeza nemalimboleko yomuntu siqu yesikhashana evumela okungenani izinyanga ezimbalwa ukukhokha isikweletu. Lezi zimali mboleko zezitolimende ezinikezwa ngababolekisi bemalimboleko yosuku lokukhokha kanye nemoto ngokuvamile zinamazinga aphezulu wenzalo, kepha ungahle ube nonyaka ukukhokha isikweletu.

Yini okufanele uyikhumbule ngemalimboleko yomuntu siqu ngaphandle kokuhlolwa kwesikweletu

Ababolekisi abahlola amakhredithi benza lokhu ukuthola ukuthi ingakanani ingozi yomboleki futhi basetha inani lenzalo yemalimboleko ngokufanele.

Uma kungekho ngempela ukubhekwa kwesikweletu okubandakanyekile, kusho ukuthi umbolekisi uthatha ingozi enkulu ukukunika imali, futhi imvamisa ungalindela inzalo ephezulu nezimali ezikhokhwayo ngokubuyisela. Izimalimboleko zePayday, ngokwesibonelo, zingaba nezindleko zezimali ezisukela ku- $ 10 kuye ku- $ 30 kuwo wonke ama- $ 100 owabolekayo, okulingana nesilinganiso samaphesenti sonyaka esifinyelela ku-400% (noma nangaphezulu).

Ngamanani aphezulu nezimali ezikhokhwayo nesikhathi esifushane sokukhokha, ungabambeka kumjikelezo wesikweletu lapho uphoqeleka khona ukuthi uthathe imali mboleko entsha ukuze ukhokhele ezindala. Uma lokhu kwenzeka, ungagcina ukhokha imali efanayo nenzalo kaninginingi ngaphandle kokuqeda isikweletu. Futhi ngemalimboleko yetayitela yemoto, ungalahlekelwa yimoto yakho uma ungakwazi ukukhokha isikweletu.

Ocwaningweni olwenziwe yi-Consumer Financial Protection Bureau, i-ejensi ithole ukuthi ngaphezu kuka-80% wababolekisi bemalimboleko yosuku lokukhokha baphinde baboleke, noma baphinde batshale imali, zingakapheli izinsuku ezingama-30, futhi ngaphezu kuka-40% wababolekisi bemalimboleko yosuku lokukhokha Ababolekisi bemalimboleko yosuku lokukhokha bagcina behluleka ukwenza lokho.

Okokugcina, abanye ababolekisi abanikela ngale mali mboleko ngeke babike nganoma yimiphi imisebenzi yabo yokukhokha ezikhungweni ezintathu ezinkulu zabathengi. Uma uthola imali mboleko engabikwanga, awukwazi ukuyisebenzisa ukuze wakhe kabusha umlando wakho wesikweletu.

isiphetho

Ngaphambi kokucabanga nganoma yiluphi uhlobo lwemali mboleko yokuhlolwa kwesikweletu, kuwumqondo omuhle ukuqala uqiniseke ukuthi awunalo nhlobo ithuba lokuthola imalimboleko yomuntu siqu ejwayelekile. Izingqinamba zakho zingangcono kunalokho ucabanga, njengoba kunabahlinzeki abaningi bemalimboleko abazobheka abantu abanezikweletu ezimbi.

Okuqukethwe

• Imali mboleko ngaphandle kokuhlolwa kwesikweletu
• Ababolekisi aba-4 abahamba phambili abanganikeli ngemalimboleko yesikweletu
• Lapho Ungathola khona Imali mboleko Yesikweletu Esingakhokhiswa
• Umbolekisi Wosuku Lokukhokha:
• I-Pawnshop:
• Umbolekisi wetayitela yemoto:
• Imali mboleko evela emndenini / kubangani:
• Ezinye izindlela ngaphandle kwemali mboleko yokuhlola isikweletu
• Kuyini ukubolekwa komuntu uqobo akunasheke lesikweletu?
• Yini okufanele uyikhumbule ngemalimboleko yomuntu siqu ngaphandle kokuhlolwa kwesikweletu
• isiphetho

• Ungasihlola kanjani isikweletu sami mahhala
• Imalimboleko yemali yamaSpanishi e-United States
• Ngidinga isikweletu esingakanani ukuthenga indlu?
• Ungasifaka kanjani isicelo sekhadi lesikweletu le-Walmart
• Uyithenga kanjani imoto ngaphandle kwesikweletu
• Hlanganisa Izikweletu Zekhadi Lesikweletu | 4 Izinyathelo ezilula