Kuthetha ukuthini i-Subprime, kwaye Kutheni kubalulekile?
Yintoni iMboleko ye-Subprime?
Imboleko yemali-mboleko ngumboleko okhishwe kumbolekayo ngeprofayili "engaphantsi."
Eli gama livela kumboleki bendabuko "abaqakathekileyo" ababolekayo abanomdla wokusebenzisana nabo. Ababolekisi be-Prime bafumana amanqaku aphezulu ematyala, imithwalo ephantsi yamatyala kunye nemali engenayo enempilo ekhuselekileyo imboleko yabo yenyanga mboleko.
Ngakolunye uhlangothi, ababolekisi be-Subprime, ngokuqhelekileyo baneempawu ezibonisa ukuba okungahle kwenzeke ukuba kwenzeke :
Imboleko: Ababolekiweyo be-subprime badla i- credit card . Basenokuba neengxaki kwixesha elidlulileyo, okanye banokubakhoka amatsha kwaye abazange bamise imbali yengxelo yemboleko . Ababolekisi, i- FICO izikolo zekredithi ezingaphantsi kwe-640 zithatha ukungena kwintsimi ephantsi, kodwa ezinye zibeka ibha engaphantsi kwe-580. Ngelishwa, ababoleki abanezikweleti ezimbi banamathuba ambalwa ngaphandle kwabathengisi be-subprime, abanokufaka isandla kumjikelo wesikweletu .
Iintlawulo zenyanga: Iimali-mboleko ezizimele zifuna iintlawulo ezidla ingxenye ebalulekileyo yengeniso yenyanga yomboleki. Ababolekisi babala ityala kwinani lemali yokufumana imali ukuze baqikelele ukuba iimali-mboleko ezibizayo.
Abboleki abasebenzisa ininzi yabo yengeniso kwimali-mboleko mboleko banendawo encinci yokufumana iindleko ezingalindelekanga okanye ukulahleka kwemali engenayo. Kwezinye iimeko, iimali-mboleko ezitsha eziphantsi komhlaba ziyavunyelwa xa ababolekileyo sele benetyala eliphezulu kwiimali zokufumana imali.
Iindleko: Iimali-mboleko eziphantsi kweyona mali zibiza kakhulu kuba ababolekisi bafuna umvuzo ngenxa yokuthatha ingozi.
Abagxeki bangaphinda bathi ababolekisi bemali bayakwazi ukuba banokuxhamla ababoleki abasweleyo abangenayo eminye indlela. Iindleko ziza kwiifom ezahlukeneyo, kubandakanywa iirhafu eziphezulu , ukucubungula kunye nemirhumo yesicelo, kunye nezohlwayo zokuhlawulwa kwangaphambili (ezingenakuthi zihlawulwe kubbolekayo ngekhredithi enhle).
Amaphepha: Ababoleki abakhulu banokubonelela ngokukhawuleza ukuba banakho ukubuyisela imali mboleko. Zineengxelo ezibonisa umsebenzi oqinileyo kunye nokuhlawula okuqhubekayo. Kananjalo banokongezwa okongeziweyo kwiibhanki nakwamanye amaziko emali ukuze bakwazi ukuqhubeka neentlawulo xa belahlekelwa yimisebenzi yabo. Ababolekisi be-Subprime abakwazi ukwenza inkcazo enamandla yokuqhubeka nokuzinza kwemali. Basenokuba ngabazinzile ngemali, kodwa abanakho amaxwebhu afanayo. Ukuqhubela phambili kwi-crisis mortgage, ababolekisi bezicelo ezivunyelwe ngokuqhelekileyo iimali-mboleko eziphantsi , kunye nezinye zezicelo ziqulethe ulwazi olubi.
Umngcipheko: Umxholo oyintloko wemali-mboleko yangasese iyingozi kubantu bonke abachaphazelekayo. Iimboleko zingenakwenzeka ukuba zihlawulwe, ngoko ke ababolekisi bahlawula ngaphezulu. Ezi zindleko eziphakamileyo zenza ukuba imali mboleko ibolekele nabbolekayo. Kunzima ukuhlawula ityala xa ungeze iifizi kunye nomyinge omkhulu.
Ukufumana iinkcukacha ezingakumbi malunga nendlela amaxabiso ahambelana ngqo neentlawulo zenyanga, funda indlela yokubala iiNgxowa-mali .
Iintlobo zeMali-mboleko ye-Subprime
Iimali-mboleko eziphantsi kwezinto ezizibophezelekileyo zaziwayo ngexesha leengxaki zemali njengabanini bezindlu ezinamaxwebhu okurekhoda abaneengxaki zokuthenga imali. Kodwa iimali-mboleko ze-subprime zifumaneka malunga nantoni na. Okwangoku, abolekayo bafumana i-subprime ababolekisi kwiimarike ezilandelayo:
- Ukubolekwa kwemali-mboleko, kuquka ukuthenga-apha-ukuhlawula apha kunye netyala leetyala
- Amakhadi ekwereta
- Mboleko ya bafundi
- Imali mboleko mboleko
Ekubeni i-crisis mortgage, imithetho yokukhusela abathengi ibolekisa ngemali mboleko yasekhaya . Kodwa iimali-mboleko ezidala (zangaphambi kweengxaki) zikhoyo, kwaye ababolekisi basenokufumana iindlela zokuvelisa iimali-mboleko ezingenakuvunyelwa ukuba zivunywe.
Indlela yokuDodge i-Subprime Traps
Ukuba uceba ukuboleka-okanye ukuba usuvele usemali-mboleko ye-subprime-sibone indlela yokuphepha loo mboleko ebiza.
Ngaphandle kwekhredithi epheleleyo, unamathuba ambalwa: Awukwazi ukuthenga phakathi kwabathengisi abaninzi abanomncintiswano, kwaye uya kuba nobuncinci xa ufika ekusebenziseni iintlobo ezahlukeneyo zemboleko ngeenjongo ezahlukeneyo. Sekunjalo, unako ukuhlala ngaphandle kwemali mboleko.
Isitshixo siza kubonakala (kwaye ngokwenene sibe) engengozini encinane kubaboleki. Hlola indlela yokuthenga ngetyala ngayo ngendlela efanayo, kwaye uya kukwazi oko kufuneka ukwenze ngaphambi kokuba ufake isicelo semboleko.
Lawula i-credit yakho: Ukuba awukho, qwasela iirekhodi zakho zekredithi ( kukhululekile ukuba abathengi base-US bajonge iingxelo) kwaye bajonge nayiphi na into eya kubakhoka ababolekisi. Hlela nayiphina impazamo , kwaye udibanise nayiphi na intlawulo ephosakeleyo okanye ukungafezeki xa kunokwenzeka . Kungathatha ixesha, kodwa kunokwenzeka ukwakha (okanye ukuvuselela) ikhredithi yakho kwaye ibe yinto enomtsalane kubabolekisi.
Khangela umvuzo wakho: Ababoleki kufuneka baqiniseke ukuba unako ukubuyisela. Kwabaninzi abantu, oko kuthetha ukuba unemivuzo engapheliyo yokuba ngaphezulu kokufakela iintlawulo zakho ezincinane zenyanga. Ukuba umboleko omtsha (ngokunxulumene nayo nayiphi na imali ekhoyo) iya kudla ngaphezu kwe-30 ekhulwini okanye yenzalo yakho, unokufuna ukuhlawula amatyala akhoyo okanye ukuboleka ngaphantsi ukuze ufumane into engcono.
Zama amatsha (kodwa asemthethweni) ababolekisi: Umboleko onobukratshi unokukuhlambalaza iminyaka, ngoko ke uthengise ngaphambi kokuba wenze nantoni na. Qinisekisa ukuba ufake ababolekisi be-intanethi ekukhangekeni kwakho. Oontanga ukuba bafumane iinkonzo zokuboleka ngetyala banokukwazi ukusebenzisana nani kunabhanki bendabuko kunye neemanyano zemali-mboleko, kunye nabathengi abaninzi be-intanethi banokubambisa abobolekayo ngetyala-ngelixa beqhuba amaxabiso ahloniphekileyo. Qinisekisa ukuba uphando nayiphi na "abatsha" ababolekisi ocingayo ngaphambi kokuba uhlawule nayiphi na imali okanye unikele ngolwazi olunzulu olukhuselekileyo njengeNombolo yoKhuseleko lweNtlalo.
Ncitshiswe ukuboleka: Ukuba i-shark mboleko yilabo ababolekisa kuphela izicelo zakho, khawuqwalasele nokuba ingaba umboleko wakho awunengqondo. Kungaba ngcono ukurenta izindlu iminyaka embalwa endaweni yokuthenga, nangona ngokuqinisekileyo kunenzuzo kunye noxanduva lokulinda. Ngokufanayo, kungcono ukuba uthenge imoto esetyenziswayo engabizi (ixesha elide likhuselekile) endaweni yemoto entsha.
Cinga umgcini-mali: Ukuba i-credit yakho kunye nengeniso yakho ayinelisekile ukufumana imboleko emihle kunye nomboleki-mboleko (njengebhanki, umanyano wemali-mboleko, okanye umboleki-ntanethi), cinga ukucela umncedisi . Umqeshi usebenza ngokumalunga nemboleko kunye nawe ipesenti ezi-100 ezijongene nokuhlawula umboleko xa ungaphumeleli ukwenza njalo. Ngenxa yoko, umququzeleli wakho uthatha umngcipheko omkhulu kwaye ubeka ikhredithi yakhe kumgca. Cela uncedo kumntu onomtsalane oqinileyo kunye nengeniso kwaye ngubani onako ukubeka umngcipheko-kwaye ungayithathi ngokwabo ukuba akukho mntu uzimisele ukuthatha ingozi.