Eyona Ezemali Yakho I-5 Eyona Mali mboleko imbi ngokuVunywa okuQinisekisiweyo ngo-2021

I-5 Eyona Mali mboleko imbi ngokuVunywa okuQinisekisiweyo ngo-2021

Ngaba ufuna imali-mboleko kodwa unetyala elibi?

Ngelixa uninzi lwababolekisi bemali mboleko bengaqondi ukuba akukho mntu ufuna ukuba namatyala amabi ngabom, kwaye imeko enjalo sisiphumo sokwenzeka kwelishwa njengezifo ezinzima okanye ingxaki yemali, siyazi ukuba kunjani ukuba kwimeko enjalo Apho sele ubandezeleka khona, kwaye emva koko, ukungabinakho ukufumana imali-mboleko kongeza kulusizi.

Ukunciphisa uxinzelelo lwakho, size noludwe lwababolekisi abanokubonelela ngemali mboleko ngaphandle kwetyala lakho elibi, kwaye oko kuza nemvume eqinisekisiweyo.

Ukongeza koku, ezi nkampani zibolekisayo zinokukunceda ukuba uphume kwimeko embi yamatyala ngokuthumela iirekhodi zentlawulo zakho ezenziwe kwangexesha kwii-ofisi zamatyala esizwe.

Apha, usenokuzibuza ukuba ezi nkampani azithathi ngqalelo inqaku lekhredithi, zisebenza njani?

Ewe, impendulo kuloo nto kukuba, bajonge ezinye izinto ezingezizo. Umzekelo, ulawula njani iindleko zakho, yintoni umvuzo wakho ophakathi? Uchitha malini kwingeniso yakho iyonke? Njl Ke ngoko, ezi nkampani zisemthethweni.

Ngelixa iinkampani zokwenyani nezisemthethweni zikunceda ukuba uphume kule meko ibulalayo kwaye ubonelele ngemboleko-mali yakho ngetyala elibi, abanye abantu abakhohlisayo basebenzisa ezinye iingxaki kwaye babize imali eninzi egameni lenzala.

Yiyo loo nto kubaluleke kakhulu ukukhetha ezo nkampani zibolekisayo zibiza iifizi ezifanelekileyo kunye nexabiso lenzala, kwaye sikufumene malunga naloo nto.

Ke, gcina uskrolela ukubona ezona piki zethu ziphezulu kunye nokunye okuninzi.

Ababoneleli aba-5 abaPhezulu kwiMali mboleko engalunganga ngokuvunywa okuqinisekisiweyo

  1. ImaliMutual : Elona Bonelela ngeMali mboleko eyiNtengo yeMboleko embi
  2. BadLredLoLo : Eyona Mali mboleko kaxakeka kuBabolekisi ababi
  3. ICashUSA : Eyona Mali-mali ilula ukuyifumana
  4. Imali mboleko zobuqu : UMboneleli oBalaseleyo weMali mboleko
  5. Imali mboleko : Iimali mboleko ezimbi eziqinisekisiweyo

# 1. ImaliMutual -Owona Mboneleli weMali mboleko eyiNgcono kwiTyala elibi

Oyena Mboneleli waBolekisi oBalaseleyo ngetyala elibi ImaliMutual
  • Iimali zidluliselwe ebhankini yakho zingaphelanga iiyure ezingama-24
  • Ngaphezulu kwe 60 yababolekisi abakhoyo
  • Ithembiwe ngabasebenzisi abangaphezulu kwezigidi ezi-2
  • Indawo ekhuselekileyo yeWebhusayithi
Jonga iNqanaba Funda nzulu

Amagqabantshintshi eBrand

Ngokwengxelo, bonke abantu aba-4 kwabali-10 abanabo ubutyebi obaneleyo bokude beze ne-400 yeedola kwimeko enokubakho ngelishwa.

Kwakhona, sonke siyabazi ubunzima malunga nokusondela kubabolekisi ngokukodwa kwaye sizalisekise iimfuno zabo ezingapheliyo zokuba nemboleko mali yabo, nayo, eza nenqanaba elinzima lenzala. Nangona kunjalo, izinto zahlukile xa sithetha ngeMoneyMutual.

Eyasungulwa ngo-2010, eyona njongo iphambili yeMoneyMutual kukudibanisa ababolekisi bexesha elifutshane kunye nababolekisi kunye nokwenza izinto zibe lula kubabolekisi ngokunikezela ngemali kwangoko. Inkqubo ilungile ngokukhawuleza kwaye kulula ukuyenza.

Iimbonakalo

Ekuqaleni, konke okufuneka ukwenze kukutyelela abo iwebhusayithi esemthethweni kwaye ugcwalise ifom elula eyimfuneko eyisiseko yesiza ukuze uqhubeke. Emva koko kuya kufuneka unikezele ngolwazi olufana nalapho uhlala khona, uneminyaka emingaphi, nokuba ngaba ufumana i $ 800 ngenyanga okanye hayi. Emva koko inkampani iqala ukusebenza kwisicelo sakho. Unokugcina umkhondo wenkqubela phambili kwiwebhusayithi esemthethweni.

Kwinyathelo elilandelayo, iMoneyMutual iyakudibanisa nalowo ubolekisayo okulungeleyo ukukunika imali mboleko yobuqu. Emva koko uhanjiselwa kwiwebhusayithi yomboleki ukuba uhambe ngemigaqo neemeko zesivumelwano semali-mboleko kwaye ubuze imibuzo kuba iMoneyMutual ayingeni kule nkqubo konke konke.

Ke, ukuba uyavuma ngokwemigaqo, inqanaba lenzala, kunye nemirhumo ebekwe ngumbolekisi, ungasigqiba isivumelwano. Umbolekisi angaqhagamshelana nawe ngqo ukuze uqhubeke.

Imali inokufakwa ngqo kwiakhawunti yakho yebhanki kungekho ngaphezulu kweeyure ezingama-24! Nangona kunjalo, kufanelekile ukukhankanya apha ukuba, iMoneyMutual isebenza nje njengebhulorho yasimahla phakathi kwakho nenkampani / umbolekisi kwaye ayinanto yakwenza nemigaqo nemiqathango ebekwe phakathi kwakho nombolekisi wakho.

Iinkonzo

  • I-MoneyMutual ayihlawulisi nayiphi na imali ngenkonzo ebonelelweyo.
  • Inkqubo yokuvunywa ilula kakhulu.
  • Iwebhusayithi esemthethweni kulula ukuyisebenzisa.
  • Iimali zihanjiswa kwi-akhawunti yakho yebhanki kwiiyure ezingama-24.
  • IMoneyMutual inababolekisi abangaphezulu kwama-60 abakhoyo.
  • Indawo ikhuselekile; kungoko ulwazi lwakho lomntu siqu alukho emngciphekweni.

Bendlela

  • Ngabahlali baseMelika kuphela abanelungelo lokufumana imali mboleko yomntu.
  • Nje ukuba utyikitye isivumelwano semali-mboleko, indawo leyo ayinaxanduva xa unokuhlangabezana nengxaki.
  • Ukuba awukwazi ukungqina ukuba unomthombo wengeniso rhoqo, awuyi kuwa phantsi kweekhrayitheriya zokufaneleka kweMoneyMutual.

Amava oMthengi

Ngaphezulu kwama-2,000,000 abathengi kwi-intanethi kunye nohlaziyo olukhulu abalushiyileyo, akukho mathandabuzo okuba iMoneyMutual yenza umsebenzi omkhulu. Phantse bonke abasebenzisi bayo babonakala ngathi banelisekile yinkonzo yabo kuba ayinangxaki, kwaye inkampani ngokwayo ayihlawulisi mali yokukuqhagamshela nombolekisi.

Into elandelayo abantu abayixabisileyo kukudluliselwa kwemali okukhawulezileyo kwiiakhawunti zabo ezibancedileyo ukujongana neemeko zabo kwangoko, kwaye ke, bathembela iMoneyMutual ngaphezulu kwawo nawuphi na omnye umthombo.

Ayisiyiyo kuphela ukuba inkampani inabathengi ababuyayo kodwa, kodwa, abantu bebefikelela ngokudluliselwa okuthetha ukuthembeka kunye nodumo lwenkampani.

Cofa apha ukuze Qalisa ngeMoneyMutual namhlanje.

#Mbini. BadLredLoLo - Eyona Mali mboleko kaXakeka kuBabolekisi ababi

Eyona Mali mboleko kaXakeka kuBabolekisi ababi BadLredLoLo
  • Inkonzo yasimahla
  • Cela ukuya kuthi ga kwi-10,000 yeedola
  • Ubumfihlo, ukhuseleko, kunye neenkonzo ezingama-24/7
  • Ukuzibophelela ekubolekeni ngemali
Jonga iNqanaba Funda nzulu

Amagqabantshintshi eBrand

I-BadCreditLoans yenye inkampani edibanisa ababolekisi kunye nababolekisi, njengeMoneyMutual.

Ke, nokuba kungasiphi na isizathu, ufuna imali kwangoko, nokuba kukuhlawulwa kwetyala, ukudityaniswa kwamatyala, ukucinywa kwekhadi letyala, ukurenta okanye ukubambisa, unyango, irente okanye irhafu, ukulungiswa kwemoto, ithuba elikhethekileyo, iholide, njl. egqunyiweyo.

Ngoncedo lolwazi olusekwe kwinyani olunikezwe yinkampani, unokwenza izigqibo ezinoxanduva ngokukhululekileyo kuba inkampani ayinyanzelekanga ukuba ityikitye isivumelwano kunye nababolekisi ukuba awonelisekanga.

Iimbonakalo

Nge-BadCreditLoans, ungacela imali ukusukela kwi- $ 500 ukuya kwi- $ 10,000. Izinketho zokuhlawula ubhetyebhetye zilungile kuba zikunika inkululeko yokwenza intlawulo ukuya kuthi ga kwiinyanga ezingama-36. Nangona kunjalo, inqanaba lenzala liyahluka ngokuxhomekeka kwimiqathango kunye neemeko ezibekwe ngumbolekisi. Amanqanaba enzala aqala kwi-5.99% ukuya kwi-35.99% APR.

Ukuze uvumeleke ukuba ufumane imali-mboleko kwi-BadCreditLoans, kuya kufuneka ube uneminyaka eli-18 ubudala okanye nangaphezulu. Kuya kufuneka ube nomthombo ofanelekileyo wengeniso, kwaye ubungqina bobummi buyafuneka.

Ngokulandela amanyathelo amathathu alula, unokufumana imali igqithiselwe ngqo kwiakhawunti yakho yebhanki ngaphandle kokuphazamiseka. Inyathelo lokuqala kukugcwalisa ifom elula enikwe kwiwebhusayithi esemthethweni.

Kule fomu, kuya kufuneka ufake imali ofuna ukuyiboleka, isizathu sokuba ufuna imali, unike ubungqina bokuba ngummi- nokuba yinombolo yokhuseleko kwezentlalo, ubonelele ngolwazi lomntu siqu njengegama lakho kunye nomhla wokuzalwa, kunye nolwazi lwebhanki, njl.

Emva koko inkampani idlala indima yayo. Idibanisa wena nombolekisi ukukunceda kwiimfuno zakho zemali. Umbolekisi emva koko ugqitha kwisicelo sakho kwaye akunike isivumelwano esisekwe kwiimfuno zakho.

Ukuba isibheno sibhenela kuwe, unokuwamkela; kungenjalo, akukho xinzelelo. Ungayijika kwaye uqalise ngaphezulu ukufumana omnye umntu. Nangona kunjalo, qiniseka ukuya kwimigaqo kunye neemeko ezibekwe ngabaxhasi ngocoselelo.

Masithi nobabini nifikelele kwisivumelwano; emva koko, uya kucelwa ukuba utyikitye ikhontrakthi ngombane ukuze ufumane isixa esigqithisiweyo kwiakhawunti yakho yokutshekisha. Amathuba aphezulu okufumana imali kusuku olulandelayo lweshishini, kodwa unokufumana ukulibaziseka nako, kuxhomekeke kwinkqubo ekhethwe ngumbolekisi.

Iinkonzo

  • Unokufaka isicelo ngokulula kwimali ngokugcwalisa ifom.
  • Isusa ingxaki yokunxibelelana nababolekisi ngokukodwa ngemali kuba ifom enye ikudibanisa nababolekisi abaliqela.
  • Kwimeko apho kungekho mntu ubolekayo okhoyo ukuboleka imali, inkampani ikubonisa iintengiso zezinye iinkampani ezibolekisa ngemali.
  • Ulwazi oluchanekileyo malunga nombolekisi lunikiwe.
  • Inkampani ayibeki xinzelelo lokuvala isivumelwano nombolekisi ukuba awonelisekanga buqu.

Bendlela

  • Abo banamanqaku emboleko embi banokungabikho kwimali mboleko engaphezulu kwe- $ 1000.
  • I-Business Business Bureau ayilinganisanga inkampani kakuhle.

Amava oMthengi

Lilonke, i-BadCreditLoans ibingumthombo onokuthenjwa wokufumana ababolekisi abathembekileyo nabanokuthenjwa. Inyani yokuba bayaqhubeka nesicelo sakho ngaphandle kokujonga amanqaku akho amatyala angalunganga ekuqaleni kuvula iindlela ezininzi kwabo bangakhange bakwazi ukufumana imali mboleko naphina.

Nangona kunjalo, bafuna ulwazi oluneenkcukacha ngakumbi xa kuthelekiswa nezinye iinkampani ezentengiso, kodwa konke kufanelekile.

Cofa apha ukuze Qalisa nge-BadCreditLoans namhlanje.

# 3. ICashUSA - Eyona Mali-mali ilula yokufumana

Eyona Mali-mali ilula yokufumana ICashUSA
  • Inkonzo ekhawulezayo nesimahla
  • Iimfuneko ezilula
  • Fikelela kwi $ 10,000
  • Safe ne Secure
Jonga iNqanaba Funda nzulu

Amagqabantshintshi eBrand

Ayizizo zonke iinkampani ezibonelela ngokuvunywa okulula okuqinisekileyo kwimali mboleko embi, kodwa iCashUSA iyayenza. Unokuboleka ukuya kuthi ga kwi-R10 000 kumbolekisi ngeCashUSA. Nangona kunjalo, yimalini onokubolekwa yona kuxhomekeke kwimeko yenqaku lakho lamatyala. Ixabiso lenzala lisukela kwi-5.99% ukuya kwi-35.99% ye-APR.

Enye yezona zinto zibalulekileyo kule nkampani liziko lemfundo esinokuthi sikwazi ukufikelela kulo kwiwebhusayithi.

Ukubonelela ngalo lonke ulwazi oluyimfuneko malunga nezinto ezininzi ezinxulumene nemali ezinje ngamanqaku ekhredithi, ukubalwa kwetyala, ukucwangcisa ukubuyisa imali mboleko yomfundi, ukubeka izinto eziphambili ngokubaluleka kunye nohlahlo-lwabiwo mali, ngokufanelekileyo, ukhetha umcebisi wezezimali, kwaye uluhlu luyaqhubeka.

Ke phantsi kophahla olunye, ufumana ulwazi oluncedo kunye nombolekisi othile ukuboleka imali.

Masibe nembono eneenkcukacha malunga nenkampani ekufuneka inikezele kwaye isebenza njani.

Iimbonakalo

ICashUSA ikwasebenza ngokufana kakhulu nabanye kolu luhlu. Okokuqala, uyacelwa ukuba ugcwalise ifom emfutshane efuna ulwazi olusisiseko olufana negama lakho, idilesi ye-imeyile esebenzayo, ukuba ulilungu lomkhosi elisebenzayo okanye akunjalo, okokugqibela, isixa-mali ofuna ukuboleka.

Kwinyathelo elilandelayo, uyacelwa ukuba unikezele ngolwazi oluthe kratya njengenombolo yakho yefowuni, idilesi yasekhaya, nokuba likhaya lakho lelakho okanye uqeshiwe, yintoni umvuzo wakho wenyanga, ngubani igama kunye nenombolo yomphathi wakho, isazisi sakho, kunye inombolo yokhuseleko lwentlalo, kunye nohlobo lweakhawunti yebhanki.

Kwinyathelo lokugqibela nelokugqibela, unika inkampani ulwazi malunga neakhawunti yakho yebhanki kunye nezinye izinto ezimbalwa.

Usenokuzibuza ukuba ingaba kuninzi ukwenza kwaye bafuna ulwazi oluninzi kodwa basithembe; kusengcono kunokundwendwela ii-ofisi ezahlukeneyo, ukuba neentlanganiso nabantu, ulinde iiveki kunye neeveki ukuze ufumane impendulo, kunye nemali ezakudluliselwa kuwe.

Wonke umsebenzi uya kwenziwa yiCashUSA ukusukela, kamsinya nje xa ucofa ungenise, isicelo sakho sithunyelwa kubo bonke ababolekisi abafumanekayo. Emva koko, nawuphina umbolekisi onomdla ohambelana nomdla wakho uya kukuthumela isipho.

Nje ukuba usifumene isibonelelo kwaye ufumanisa ukuba kufanelekile emva kokuphonononga imigaqo kunye neemeko, uyayamkela ngokunika imvume yakho ye-e ukuze iimali zidluliselwe kwiakhawunti yakho ngosuku olunye lweshishini. Nangona kunjalo, ukuba awonelisekanga, ungayibrasha ecaleni.

Iinkonzo

  • Inkonzo ekhawulezileyo nesimahla inikezelwa.
  • Isigidi esinye sabasebenzisi benyanga bathetha ukuthembeka kwenkampani.
  • Ungazihlawula ngokulula izavenge zemali-mboleko, unikwe ixesha lokuya kwiinyanga ezingama-70.
  • Inkampani inababolekisi abaninzi ukunxibelelana nawe.
  • Inkonzo iyakhawuleza kwaye ayihlawulelwa.
  • Iziko lemfundo linolwazi oluninzi oluncedo onokuzuza kulo.
  • Inkqubo ekhuselekileyo nekhuselekileyo iqinisekisa ukukhuselwa kweenkcukacha zakho.

Bendlela

  • Abanye abantu banokungayiqondi into yokuba inkampani ifuna ulwazi oluninzi lomntu.

Amava oMthengi

Abantu bonwabile ngesigqibo sabo sokukhetha iCashUSA ukuba ifumane imali mboleko ngelixa lesidingo. Inkampani izibonakalise iluncedo kakhulu, ngakumbi kwimali mboleko ezincinci. Abathengi bakwancoma ukuhanjiswa kwemali okukhawulezileyo ngaphandle kwengxaki.

Cofa apha ukuze Qalisa ngeCashUSA namhlanje.

# 4. Imali mboleko zobuqu -Owona Mboneleli weMali mboleko eyiNgcono

UMboneleli oBalaseleyo weMali mboleko Imali mboleko
  • Eyona ilungele iMali mboleko yobuNtu
  • Isicelo esivela kwi- $ 1,000 ukuya kwi- $ 35,000
  • Imali ifumaneka kwiiyure ezingama-24 okanye ngaphantsi
  • Imiqathango yokuhlawula ngokulula
Jonga iNqanaba Funda nzulu

Amagqabantshintshi eBrand

Inkampani ithembisa abathengi bayo ukuba babonelele ngokhuseleko olukhuselekileyo, olukhuselekileyo kunye nokukhawulezisa imali kungajongwanga xesha bafuna imali ngalo. Nokuba kwenzeka emini okanye ngexesha lasebusuku, iMali mboleko yobuqu ihlala inabantu abathile abakulungeleyo ukuboleka imali yakho ukuya kuthi ga kwi-35,000 yeedola.

Nokuba akukho mntu usamkelayo isicelo sakho kwisangqa sabo, banokhetho lokuya kwamanye amalungu eqela lesithathu akuncede. Nangona kunjalo, ifuna ukuba inkampani ibabonelele ngolwazi olulinganiselweyo malunga nawe. Kodwa akukho nto inokukhathazeka ngayo! Unokuqiniseka ukuba usezandleni ezikhuselekileyo.

Iimali-mboleko zobuqu, zona ngokwazo, azihlawulisi mali ngenkonzo abayinikezelayo. Benza nje ibhulorho phakathi kwakho nombolekisi, kwaye nje ukuba unxibelelwano lusekiwe phakathi kwakho nobabini, inkampani inyathela ecaleni.

Makhe sijonge ngokubanzi ukuba yintoni inkampani ekufuneka ibonelele ngayo kwaye isebenza njani.

Iimbonakalo

Ukufikelela kwiwebhusayithi yabo esemthethweni, uqala ngenkqubo ngokugcwalisa ifom yesiko njengenyathelo lokuqala, elifuna ulwazi olusisiseko lomntu. Into esiyifumene ikhethekileyo malunga neMali mboleko yakho yeyokuba inika isizathu esomeleleyo kwinkcukacha nganye eziyifunayo. Oku kunceda ukwakha ukuzithemba komntu ukuthembela kwinkampani ngokungaboni.

Emva koko, ngokusekwe kulwazi obonelele ngalo ekuqaleni, umbolekisi ofuna ukusebenza nawe uya kukuthumela isimemo sokuqhubeka ngokutshintshela kwiwebhusayithi yabo. Enye into elungileyo malunga nemali mboleko yobuqu kukuba awunyanzelekanga ukuba ubonelele ngolwazi olongezelelweyo ngaphambi kokuba umenywe ngumbolekisi.

Uvumelekile ukuba wenze isigqibo sokugcina ujonge imigaqo kunye neemeko umboleki azamkele. Ekuvumeleni isivumelwano, imali igqithiselwa kwiakhawunti yakho yebhanki kwisithuba seeyure ezingama-24.

Imali mboleko zobuqu zikwanika abathengi babo ithuba lokuphumla ngokubhekisele ekuhlawulweni kwemali mboleko. Masithi, ngenxa yaso nasiphi na isizathu esibuhlungu sokucinga ukuba ngekhe ukwazi ukuhlawula isavenge kwangexesha, ungaqhagamshelana nombolekisi ngokuthe ngqo okanye inkxaso kubathengi ukukunika ukuphumla ngokucebisa ngomhla omtsha.

Nokuba uphoswe ngumhla obekiweyo, usenalo ithuba. Ungathetha nombolekisi wakho ngqo kule meko kwaye umcele ukuba aphakamise ishedyuli yokuhlawula ngokutsha ngokwezibhajethi kunye nokufikeleleka.

Iinkonzo

  • Iimali ziyafumaneka kungekho ngaphezulu kosuku olunye.
  • Imigaqo yokuhlawula ngokulula iyacetyiswa.
  • Unokuyihlawula imali mboleko yakho ukuya kuthi ga kwiinyanga ezingama-72.
  • Ukulahla isithembiso akusayi kuba yindleko.
  • Ukuhlawulwa kwe-Flexible kukunceda ukuba uphucule amanqaku akho emboleko embi.
  • Isizathu esibambekayo sinikezelwe kulwazi olufunekayo.
  • Unokuboleka ukuya kuthi ga kwi-35,000 yeedola.

Bendlela

  • Kukho amathuba okuba isicelo sakho sinokungavunywa ukuba unamanqaku ambi kakhulu emboleko.

Cofa apha ukuze Qalisa ngeMali-mboleko yobuqu namhlanje.

# 5. Imali mboleko - Iimali mboleko ezimbi eziqinisekisiweyo

Imali mboleko ezimbi eziqinisekisiweyo Imali mboleko
  • Inkonzo yasimahla, ekhawulezayo, nekhuselekileyo
  • Ukuthenjwa Kuqinisekisiwe
  • Iimali ziyafumaneka iiyure ezingama-24 okanye ngaphantsi
  • Ilungele iimali ezincinci
Jonga iNqanaba Funda nzulu

Amagqabantshintshi eBrand

Eyasungulwa ngo-1998, inkampani isebenze abantu abangaphezu kwama-750,000 ngokubadibanisa nababolekisi. Inkampani ijonge ukubonelela abasebenzisi bayo ngezixhobo ezikhuselekileyo nezisebenzayo zokujongana neengxaki zemihla ngemihla.

Amaxabiso enzala afikelelekayo kwiintlawulo enza ukuba iMali mboleko ibeyindlela efanelekileyo yokuyijonga. Indawo ayenzelwanga abo banembali nje yemali yokuthenga ngetyala kuphela kodwa nabo banamanqaku emboleko embi. Nangona kunjalo, inkampani iqinisekisa ukuba kuphela ngababolekisi abakulungeleyo abanokufikelela kwisicelo sakho semali mboleko.

Makhe sijonge ngokubanzi ukuba yintoni inkampani ekufuneka ibonelele ngayo kwaye isebenza njani.

Iimbonakalo

Zonke iinkampani esithethe ngazo kweli nqaku zinenkqubo efanayo, kunjalo nangeMali mboleko; Nangona kunjalo, le yeyona ilungele wena ukuba ufuna isixa esincinci ukuba sibolekwe kuwe ngenzala efikelelekayo.

Uqala inkqubo ngokugcwalisa ifom yesiza eqhelekileyo efuna ulwazi olusisiseko olufana nekhowudi yakho ye-zip, igama kunye nedilesi ye-imeyile, njl. Enye into encomekayo malunga neMali mboleko kukuba ikhusela imfihlo yakho ngokukhathalela ulwazi lwakho olungelulo enye into.

Ubungqina boku yile ITRUSTe iyangqina ikhampani. Inkampani ikwanazo nezinye iziqinisekiso ezinje McAfee UKHUSELEKO , Oko kuthetha ukuba ukhuselekile kwaye ukhuselekile ngelixa usiya kwiwebhusayithi yabo.

Isicelo sakho esithunyelweyo emva koko sithunyelwa kwindawo ebolekisa ngemali kwinkampani, kwaye ukuba umbolekisi ufuna ukusebenza nawe, uqondiswa kwiwebhusayithi yakhe ukuze uthathe amanyathelo alandelayo. Le nkqubo iphela iyakhawuleza kwaye iyakhawuleza.

Ukufikelela kwiwebhusayithi yomboleki, kufuneka uphonononge isivumelwano. Ukuba ufumanisa ukuba imigaqo mboleko inengqiqo, yiya kuyo okanye uyala. Akukho kukhawuleza.

Xa wamkela imiqathango yemali-mboleko, i-90% yamathuba kukuba uyakufumana iimali zakho kwiakhawunti yakho kusuku olunye lweshishini, kodwa iziko lakho lezemali linokuyichaphazela loo nto.

Iinkonzo

  • Inkonzo yasimahla, ekhawulezayo, nekhuselekileyo ibonelelwa ngeMali mboleko.
  • Ulwazi lwethu lomntu lisezandleni ezilungileyo.
  • Indawo ikhuselekile kwaye ikhuselekile.
  • Indawo iqinisekisiwe yi-TRUSTe.
  • Akukho ntlanganiso zenziwa ngaphakathi kwakho ziyafuneka.
  • Iimali ziyafumaneka kungekho ngaphezulu kweeyure ezingama-24.
  • Iqonga elifanelekileyo leemali ezincinci.

Bendlela

  • Imali mboleko ezinqunyelweyo-ukuya kuthi ga kwi-5000 yeedola.

Amava oMthengi

Phantse bonke abathengi bayo baye badumisa inkonzo ekhawulezayo nekhuselekileyo. Bacacisa ukuba bayakucebisa kakhulu kuye nakubani na ofuna ukuboleka imali encinci ngokukhawuleza kuba iimali ziyafumaneka ukuze zisebenzise ngokukhawuleza.

Kwakhona, imiqathango yokuhlawula kunye namazinga enzala afunyenwe esengqiqweni. Ababolekisi bakwanceda abantu ukuba baphucule amanqaku abo amabi ngokuthenga iingxelo zabo rhoqo kwii-credit bureaus.

Cofa apha ukuze Qalisa ngeMali mboleko yeMali namhlanje.

Izinto ekufuneka uzijongile ngelixa ufumana iMali mboleko embi

Zininzi izinto ezichaphazelekayo ekufumaneni eyona mali mboleko ilungileyo yamatyala amabi. Ukuba ujonga umbolekisi okwi-intanethi kwimali mboleko yakho ngetyala elibi, kuya kufuneka ukhumbule la manqaku alandelayo.

Jonga ukuba uyafaneleka na

Ababolekisi ababolekisa ngemali kubantu abanetyala elibi badla ngokufuna ubuncinci benqanaba lokufumana ityala njengoko kumiselwe yinkampani yohlalutyo eyaziwa njenge I-FICO (i-Fair Isaac Corporation) oko kuqala ubuncinci ukusuka kuma-620.

Ngapha koko, umlinganiso wamatyala ukuya kwengeniso, ochazwa njengesixa osityalayo ukuhlawula kunye nemali oyifumanayo inyanga nenyanga, kufuneka igcinwe ngokungqongqo engqondweni. Kananjalo, uninzi lwababolekisi lukhetha ababolekisi abanomvuzo oqinisekileyo kunye oqinisekileyo ukuze iintlawulo zenziwe ngexesha elifanelekileyo kwaye zifike ngexesha.

Abanye ababolekisi bakhetha ukuseta umda wengeniso ngonyaka kumboleki; Nangona kunjalo, abanye ababolekisi banokuyishiya loo nto, kodwa abayikhathaleli ezinye izinto ezinje ngomsebenzi wakho kunye nemali oyifumanayo emsebenzini wakho ngelixa uhlalutya amandla akho okuhlawula iimali-mboleko obolekiweyo.

Abanye ababolekisi bahamba nangaphaya kwembali yakho yamatyala. Bacinga ngemvelaphi yakho yenqaku letyala.

Ukuba awukwazi ukuhlangabezana neemeko zokufumana imali mboleko ngokusekwe kwimbali yakho yekhredithi, unokujonga ababolekisi abanokukuvumela ukuba wenze omnye otyikityo. Unokuzixhamla kwelona kredithi kunye nomvuzo ongenayo. Oku kunokukuvumela ukuba uthethathethane nombolekisi ngokufanelekileyo.

Oku kunokubonelela ngemboleko-mali ngenzala ephantsi ngokuthelekisa. Kwimeko apho usilele ukwenza intlawulo yemali mboleko, umntu osayine naye uya kuba nakho ukuhlawula egameni lakho. Iya kuba sisiqinisekiso sokuba umbolekisi asayine-co-signer.

Kukho umngcipheko kulo mbandela. Ukuba awukwazi ukuhlawula imali-mboleko, ungaphulukana nobudlelwane nalowo usayine naye. Ke ngoko, iingenelo kunye neengozi zobu buhlakani kufuneka zigcinwe zijongwa ngaphambi kokutsiba kuloo mcimbi.

Athini amaxabiso eRhafu?

Ukuqwalaselwa kokuqala nokuphambili ekubolekeni imali mboleko kufanele ukuba kube lelona nqanaba lenzala lifikelelekayo. Le nto kufuneka isoloko iphambili. Ukwenza uthelekiso lwamaxabiso enzala asezantsi kufuneka. Nangona kunjalo, konke kuxhomekeke kukuthembeka kwenqaku lakho letyala. Kungcono ukuba amanqaku akho ehle, umyinge wenzala onokuwufumana usezantsi.

Kukho abanye bababolekisi ababi abanikezela ngenzala emiselweyo endaweni yokuguqulela abo banamatyala amabi. Inzala emiselweyo ihleli ingaguquguquki ngalo lonke ixesha. Kwelinye icala, inqanaba lenzala eliguqukayo liyatshintsha. Ixabiso lenzala lihamba ecaleni kwenqanaba lesalathiso.

Imimmiselo nemiqathango

Nje ukuba imali mboleko yakho embi ihlawulwe, isivumelwano semali-mboleko siya kwenziwa ukuba sifikeleleke kuwe. Iya kubandakanya zonke ii-T & Cs ezisisiseko, ulwazi malunga nesixa, kunye ne-APR (iipesenti zonyaka zepesenti.

Kuya kufuneka ulumke xa ufunda la magama ngaphambi kokuba uwamkele ukuze uqiniseke ukuba imigaqo kunye neemeko oza kuzityikitya ziyakulungela kwaye ngekhe ubenangxaki nazo. Kuya kufuneka uqiniseke ukuba uya kuba nakho ukwenza izavenge zemali mboleko kwangexesha.

Ezinye iintlawulo

Ukuqala, intlawulo kwangaphambili, ukuhlawulwa kade, iitsheki ezinesiphene, imali engonelanga, kunye nemirhumo yokulungisa intengiselwano inokusebenza. Abanye bababolekisi babiza iifizi, kwaye abanye abayenzi loo nto. Uluhlu lwemirhumo ehlawulelwa ukusuka kwi-1% ukuya kwi-6% yemali mboleko iyonke.

Abanye ababolekisi babonelela ngokuhlengahlengisa umrhumo wokuvela kwimali mboleko. Olu hlobo lwemirhumo luyahluka ukusuka kurhulumente ukuya kwilizwe kunye nombolekisi kumbolekisi. Abanye ababolekisi babiza intlawulo ukuba intlawulo ilibazisekile. Nangona kunjalo, abanye ababolekisi bavumela ixesha elongezelelekileyo leentsuku ezili-10 ukuya kwezi-15 ngaphambi kokuhlawulisa imali kade.

Ubukhulu becala iifizi zasemva kwexesha ziqala kwi- $ 15 ukuya kwi- $ 30. Kukwakho nabanye ababolekisi bemali mboleko abangahlawulisi nayiphi na imali efika kade.

Ugcino

Ukuba ngumboleki wemali-mboleko, kuya kufuneka ujonge ukuba unayo nayiphi na imali kulondolozo kwiakhawunti yakho yebhanki okanye nakweyiphi na i-asethi onokuthi uyijike ibe yimali. Ezi ntlobo zeeasethi ezingamanzi ziya kusindisa nakweyiphi na ingxaki kwaye ubuyisele umva njengengozi ezayo yokuphulukana nomsebenzi

Isikhokelo samanyathelo ngenyathelo: Ufumana njani iMali mboleko embi ngokuVunywa okuQinisekisiweyo?

Unokulungela ukufumana imali-mboleko yobuqu nokuba unamanqaku amabi ekhredithi ukuba unakho ukubetha eyona nto ifanelekileyo. Ifuna ukulungiswa kakuhle.

Inyathelo lokuqala kukujonga imbali yakho yamatyala, ukwenza uhlahlo-lwabiwo mali ukuze uhlawule imali mboleko yakho, kwaye ujonge esona sivumelwano sihambelana nemigaqo efanelekileyo.

Inyathelo 1: Vavanya iNgxelo yakho yeTyala

Fumana ingxelo yakho yekhredithi, jonga kuyo ukuze ufumane iimpazamo, kwaye ugqibe ngamanqaku ekufuneka ephuculwe. Ukuba ufumanisa iingxaki kunye nokuzilungisa, unokwenza ukuba amanqaku akho ekhredithi abe ngcono. Kungoko unokuba nelungelo lokufumana inzala ephantsi. Ungafezekisa ingxelo yamatyala yasimahla kuwo onke amaziko abalulekileyo.

Ngexesha lokufaka isicelo semali mboleko, into ayibonayo umbolekisi yimbali yakho yekhredithi eya kumkhokelela ekuthathweni kwesigqibo sokuba uza kukwazi ukuhlawula imali-mboleko okanye hayi. Ingxelo yakho yetyala kunye nenqaku letyala kuphela kwamatye okuchukumisa apho umboleki eya kugweba ukuthembeka kwakho.

Jonga imbali yakho yekhredithi ubuncinci iinyanga ezintathu ngaphambi kokuba ufake isicelo semali mboleko. Isizathu kukuba unokuzifumana lula iimbambano, ukuba zikhona, zicociwe kunye neekhredithi bureau. Le nkqubo ifuna ubuncinci iintsuku ezingama-30. Unokwalatha iindawo ekubonwa ziphuculwe kwimbali yakho yamatyala.

Inyathelo-2: Yenza iThagethi kunye neSicwangciso kakuhle

Hlela ngokuthe ngqo ekujoliseni ukuba yimalini ekufuneka uyibolekile. Emva koko, yenza isicwangciso esinokwenzeka sokwenza zonke iintlawulo kakuhle ngexesha. Uhlahlo-lwabiwo mali kufuneka lubandakanye inkcitho yakho ebalulekileyo, ulondolozo, kunye neentlawulo zamatyala, njl, ukongeza kwintlawulo yemali mboleko.

Emva kokwenza ukubala okuyinyani malunga nokuba ungahlawula malini ngenyanga, maligqibe inani lemali mboleko yakho kunye nexesha lokuhlawula ngokufanelekileyo. Isiphetho kukuba imali-mboleko yexesha elide iya kuba neendleko ngenxa yenzala ephezulu ngelixa isavenge senyanga siya kuba sezantsi ngokuthelekisa.

Inyathelo-3: Jonga iRhafu yeNzala

Ukuboleka isixa semali semali mboleko ngetyala elibi yinto ekufuneka kujongwane nayo ngononophelo olukhulu. Into ekufuneka uyenzile kukujonga eyona nzala ifanelekileyo. Ababolekisi ababonisa ukuvunywa kwangaphambili banokuba lolona khetho lufanelekileyo lokukhetha kuba bengenzi uphando olunzima lokuthenga ngetyala ukuphakamisa imigaqo kunye neemeko zabo kunye nenqanaba lenzala.

Ke yiya kwabo babolekisi kwaye ukhethe umboleki-mali omnye othetha kakhulu kuwe. Oku kuyakusindisa ekubeni ubuze imibuzo enzima yamatyala ngabantu abaninzi.

Inyathelo-4: Jonga ubuqhetseba.

Ungaze utyeshele ubuqhetseba obubi bemali mboleko ngaphambi kokuba uqalise. Kunzima ukuqaphela ubuqhetseba, ngakumbi ukuba yi-newbie. Nangona kunjalo, ungagcina ezinye iingcebiso engqondweni yakho ukuze uziqonde.

Umzekelo, umbolekisi wenkohliso akazukubuza ngembali yakho yokwenza intlawulo. Bachaphazelekayo kuphela kwimirhumo yangaphambi kwexesha. Nje ukuba banxibelelane nawe, bahlala benkqonkqoza rhoqo. Bayakufuna ukuba uhlawule kwikhadi lakho ohlawulelwa ngalo. Abanye banokungabinayo iphepha-mvume lokujongana nemali mboleko kwilizwe ohlala kulo.

Inyathelo-5: Cwangcisa iiNtlawulo zakho ngobulumko

Ukwenza intlawulo ngexesha elifanelekileyo ngumsebenzi wakho. Iyakukugcina kwizohlwayo, kwimirhumo yasemva kwexesha, kunye nefuthe elibi kwingxelo yakho yekhredithi. Uyakuba nelahleko enkulu xa ungakhathali. Kwaye, kuya kufuneka uhlawule kakhulu inzala, kwaye eyona ndleko yakho yemali mboleko iya kunyuka.

Enye indlela yokuKhetha iMali mboleko embi

Ukuba awukwazi ukufumana imboleko mboleko ngetyala elibi kwaye ucinga ukuba akukho ndlela yimbi ishiyekileyo ukuze uzalisekise iimfuno zakho zemali, ungalahli ithemba. Kuhlala kukho ulungelelwaniso lwesilivere ebumnyameni.

Oku kulandelayo zezona ndlela zibalaseleyo zokufumana imali mboleko:

Ukuphucula

Ukuba ufuna imali encinci, yenza ukuba ifumaneke kweminye imithombo onayo kufikelelo lwakho. Umzekelo, ukuba unempahla onayo, ungazithengisa kwaye ufumane imali oyifunayo kwangoko. Inokuba lolona khetho lufanelekileyo kuwe. Akudingeki ungene nakweyiphi na ingxaki ngokwamkela ezinye iindlela ezingenakwenzeka.

Thatha uncedo kuMqeshi wakho

Unokucenga umqeshi wakho ngemali ethile kwangaphambili ngokuchasene nomvuzo wakho ukuba uyavana naye. Le mboleko yexesha elifutshane iyakukunceda lula.

Uboleke isixa kwabakuvaliweyo

Ukuba yonke eminye iminyango ivaliwe ukuze ufumane imali-mboleko, ungaya kubahlobo bakho nakumalungu osapho ukuboleka imali mboleko encinci kubo.

Sukuthatha lula ukuba uboleka kubahlobo okanye izalamane zakho. Yiza nayo yonke imimiselo nemiqathango ngombala omnyama nomhlophe, kubandakanya ishedyuli yokuhlawula, inzala, izavenge kunye nezinye iintlawulo, ukuba zikhona.

Thatha le mali-mboleko kwizalamane nabahlobo bakho ngokungathi uboleke kumbolekisi oqhelekileyo wemali. Yazi, ukuba uyasilela ukufezekisa isivumelwano sakho, ungaphulukana nolwalamano lwakho oluxabisekileyo, ongasokuze ulunqwenele kwaphela.

I-FAQs malunga neMali mboleko engalunganga ngokuVunywa okuQinisekisiweyo

Umbuzo: Wazi njani ukuba amanqaku akho eMboleko entle, aMabi, okanye aMbi?

Unelungelo elisemthethweni lokufumana ikopi yasimahla yexabiso elibhekisa kwimbali yakho yamatyala minyaka le kuwo onke amaziko aseburhulumenteni. Into ekufuneka uyenzile kukutyelela www.wexweditreport.com . I-peasy elula!

Emva koko, kukho isikali sokugweba amanqaku akho etyala abekwe yi-FICO, eyaziwayo kakhulu. Iphakathi kwama-300 ukuya kuma-850.

Amanqaku angaphantsi kwama-670 athathwa njengamabi. Ubukhulu becala amanqaku aphakathi kwama-580 ukuya kuma-669 awanele, kwaye ama-300 ukuya kuma-570 ahlwempuzekile. Amanqaku aqala ukusuka kuma-669 ukuya kuma-850 awela kudidi lwamanqaku aphezulu.

Umbuzo: Ungasusa njani amanqaku aMatyala amabi?

  • Gcina ujonge ingxelo yakho yasimahla yamanqaku.
  • Gcina ixesha xa uhlawula amatyala akho.
  • Hlawula izavenge osityalayo.
  • Kulumkele ukungena kwimeko enokubiza uphando olunzima.
  • Yakha ikhredithi yakho ngokucebisa ngobulumko kwabacebisi abaziingcali.

Q: Zithini iZiphumo zeNqaku eliNgekhoyo kwiKhredithi?

Inqaku elibi letyala linokukubamba ekukhuleni kwishishini lakho. Uya kujongana nokwala kwangoko xa ufaka isicelo semali mboleko. Awunakho ukuxhamla kumgca wekhredithi ngexesha lemfuno yakho engxamisekileyo.

Uya kuhluthwa izibonelelo ezininzi zemali ezinje ngemalimboleko yakho, iimali mboleko zeemoto, iimali mboleko zabafundi kunye namakhadi etyala. Ngaphandle koko, unokujamelana nezinye iingxaki zemali.

Umbuzo: Uyifumana njani iMali mboleko ngokungxamisekileyo ukuba unamanqaku amabi eMboleko?

Ukunqongophala kwemali kuhlala kusondela. Ngaphantsi kweemeko ezinjalo, unokusebenzisa ngokupheleleyo iinkqubo zokubolekisa kwi-Intanethi kunye neenethiwekhi. Awuyi kuziva kunzima ukufumana isiqinisekiso semali mboleko oyifunayo ngexesha elifutshane.

Ngokukhetha le ndlela, unokuba nemali kwiakhawunti yakho kwangoko. Le nkqubo ayibandakanyi ubunzima, kwaye ayifuni naliphi na inqaku elikhethekileyo lekhredithi.

Q: Ngaba kunokwenzeka ukuba ufumane iMali mboleko yobuqu ngaphandle kokujonga amanqaku am eMboleko?

Ukuba ufuna ukubaleka imbali yakho yamatyala ngexesha lokufaka isicelo semali mboleko, kuya kufuneka uhlawule iindleko. Isenokuba kuhlobo lokuhlawula inzala ephezulu kunye nezinye iimali ukubuyekeza nokukhusela inzala kumbolekisi.

Ezi zilandelayo ziindlela onokuzihlengahlengisa ukuze ufumane imali mboleko ngaphandle kokuveza amanqaku akho ngetyala:

  1. Iivenkile zePawn zinokubonelela ngemboleko mali yakho. Unokuboleka imali mboleko ngokubambisa ngento onayo kwi-pawnshop. Kwimeko apho usilele ukuhlawula imali ebolekiweyo, into yakho ebolekisiweyo iya kuthathwa.
  1. Unokhetho lwemali mboleko yesihloko esizenzekelayo. Kule nto, kuya kufuneka unamathisele isihloko sakho semoto kunye nombolekisi. Ukuba uyasilela ukuhlawula, uya kuphulukana nobunini besithuthi sakho.
  1. Unokufumana indawo yemali mboleko yomhla wokuhlawula ngokubonisa umvuzo wakho owaneleyo ukuhlawulela imali mboleko. Kuya kufuneka ukulungele ukuhlawula isohlwayo esikhulu xa uthe wasilela ekubuyiseni imali mboleko.

Ukuqukumbela: Ngaba kufanelekile ukuba ufumane iMali mboleko ukuba unetyala elibi?

Unokucwangcisa umtshato okanye iholide, kodwa i-gasket yemoto evuthuzayo ayisiyonto oyicwangcisileyo kwangaphambili. Lo ngumzekelo nje omnye. Zininzi ezinye iziganeko ezingathandekiyo nezingabonakaliyo ezinokuthi zize zonakalise uhlahlo-lwabiwo mali kunye nengxelo yakho yamatyala.

Ngombulelo, sinamaqonga athembekileyo anje ImaliMutual , Imali mboleko ezimbi , ICashUSA , njl., ezingqina ukuba ziyasinceda xa siziva ngathi akukho ndlela yakuphuma kule meko.

Sixoxe ngazo zonke izinto ezilungileyo nezingalunganga, ukusebenza kunye neempawu kunye nesishwankathelo sebrendi ngokweenkcukacha kweli nqaku ukwenza kube lula kuwe ukuba uthathe isigqibo. Eyona nto intle malunga nala maqonga kukuba ayikuceli ukuba ubhatale imali enye ngenkonzo abayinikezelayo.

Ulinde ntoni ke? Fumana uncedo olukhawulezileyo olifunayo kwindlu yakho ngaphandle kokubaleka emva kwababolekisi ngokukodwa.

Amanqaku Umdla