Ngemali mboleko .
Icandelo lokubolekisa liye lafumana ukunyuka kwabangenayo kwintsebenziswano yebango-mboleko. Ezi, ngokuyinhloko ukuqala, imibutho ikhangele ukukhonza iqela elincinciweyo okanye elijongelwe phantsi. Aba babolekisi bakha indlela entsha yokubhala phantsi kunye nokukhusela okukhuselekileyo ukwenzela ukuba banikeze imali mboleko kubasebenzi abancinci ngembali encinci yematyala kunye nabasebenzi abanamava anekredithi eyonakalisiweyo. Ezi zikhetho zinokukunceda ukunciphisa imfuno yokubambisa i-daydays kunye neetayitile zetayitile - khangela nje ukuba ukhangele ukuba umboleko wakho ufumaneke kwimeko yakho.
Kukho iintlobo ezahlukeneyo zabaniki bemali-mboleko, ezinye zazo zibabolekisi beontanga , oku kuthetha ukuba umntu oqhelekileyo unokuncedisa mboleko yakho. Nanku ukujonga kwabanye ababonelela ngemboleko zabasebenzi abatsha, abaneminyaka engama-1 bafuna ukulungiswa kwemali-mboleko yomfundi, abantu abaneengxaki zekhadi lesikweletu kunye nabangaphantsi kwama-stellar credit scores.
Uninzi lwezi zikhetho zize zinike ithuba lokuba ubone amazinga angenakho ngaphandle kokulimaza amanqaku akho.
SoFi
Imali yezeNtlalo, eyaziwayo ngokuqhelekileyo njengeSoFi, ishishini lokubolekisa oontanga-nxaxheba lijolise ekuncediseni abaqeqeshi abancinci ngembali encinci yemali (kodwa ubungqina bokuba banoxanduva kwezinye iindlela).
I-SoFi ivavanya imbali yengqesho yomntu, umsebenzi wamanje, i-degree kunye nekholejini kunye neminye yemveli efana namanqaku ekhredithi . I-SoFi igxininisa abaviwa abaphezulu kunye kwaye abanakho ukuvuma umntu onomvuzo we-credit ngaphansi kwe-700.
Abboleki bangakwazi ukubuyela kwi-SoFi malunga:
- Mboleko mboleko
- Ukuhlawulwa kwemali mboleko
- Mortgages
- Ukuhlaziywa kwemali
- Mboleko mboleko
- Umzali PLUS ukuhlaziya
- Mboleko ze MBA
Izigaba ze-APR zixhomekeka kumkhiqizo, kodwa iimali-mboleko zemali ziqala ngezinga elinqununu lama-5.50 ekhulwini kwii-$ 5,000 ukuya kwii-100,000 zamawaka.
Imali-mboleko yomuntu siqu ayikho imali-mali ngaphandle kweentlawulo zokuqala okanye izigwebo zokuhlawulwa kwangaphambili (kusobala ukuba kukho iifizi xa ungaphumeleli ukuqhubeka neentlawulo ).
Nabani na onokubona ukuba i-SoFi ilungele kakuhle ngaphandle kokulimaza amanqaku akhe okuthenga ngetyala: I-SoFi yenza "ithente elithambileyo" ukwenzela ukugqiba amaxabiso kubathengi bembono. Akukho nzakalo ekuboneni ukuba iimali-mboleko zeSoFi zifanelekileyo kwaye akukho mbopheleleko wokuthatha imali mboleko.
Yibhatale yonke
Iintlawulo zifuna ukuncedisa ngengxaki enye: ityala lekhadi lesikweletu. Nangona i-SoFi inikezela ngeendlela zokubolekisa ngemali mboleko, Iintlawulo zisebenza kuphela nabantu abazama ukuhlawula amakhadi-mboleko.
Abantu abajongene netyala lekhadi lokuthenga ngetyala banokufaka isicelo semboleko kunye neNkokhelo, sebenzisa imali ukuhlawula izilinganiso zekhadi lesikweletu kwaye uqale ukwenza inkokhelo enye kwi-Payment - sinethemba lokunciphisa intlawulo yomyinge ngokunjalo.
Efana neSoFi, nabani na ongayibona isantya ngaphandle kokulimaza amanqaku okuthenga ngetyala ngenxa yokuba iPafe isetyenzisileyo.
Amaxabiso avela kuma-7.96 eepesenti (iipesenti ezili-10 ku-APR) ukuya kuma-19.54 ekhulwini (iipesenti ezingama-22 u-APR) ukuya kwiinyanga ezingama-60.
Umvuzo ufuna umlinganiselo wemali-mboleko ka-660 okanye ngaphezulu, umlinganiselo weetyala kumvuzo we -40 ekhulwini okanye ngaphantsi, ubuncinane kwiminyaka emithathu yembali yemboleko, akukho zivumelwano zerhafu ezingahlawulwanga, akukho zikhohlakeleyo zangoku kunye neengxelo ezingaphantsi kwezine kwingxelo yakho yekhredithi kwiinyanga ezintandathu zokugqibela.
Ukutshatyalaliswa
I-Vouch inikeza enye yeendlela ezikhethekileyo zemboleko zemali kwiimarike. Njengoko igama libhekisela, abolekayo bafumana abantu ukuba baqinisekise, oko kuqhubela phambili kuqhuba i-APR ngemboleko.
Umbolekayo kufuneka athathe iifowuni ezimbini aze ahlangabezane ne-Vouch ye-credit order order ukuze afaneleke ukuboleka imali. Kukho ubuncinane ubuncinane be-FICO kwaye iivoti kufuneka zithetha ukuba abantu baya kuhlawula imali xa ungekho phantsi kwemali mboleko, kufana nomlingisi-cosi .
Xa abantu baninzi, ixabiso lemali-mboleko liphezulu kwaye linciphise i-APR umntu angayifumana. I-Vouch ine-cap ephezulu ephantsi kunye ne-$ 7,500 eyona nto inakho umntu obolekayo.
Kukho umrhumo wemvelaphi yekota ukuya kwii-5 kwaye akukho naluphi uphenyo olunzima ukufaka kwaye ubone amaxabiso. Kodwa ababolekayo bafuna inethiwekhi enamandla ukuze kukhuliswe indlela yokuVouch.
Iqela leMali
Ngokufanayo nezinye iindlela zokubolekisa ngeontanga, iCredit Club yenza ithuba lokubona izinga ngaphandle kokulimaza amanqaku emboleko. Iimali-mboleko zaso zifanelekile kubantu abanamanani eemali eziphantsi kwe-620 nge-APR ye-6.48 yeepesenti ukuya kwi-29,9 ekhulwini ngokuxhomekeke kumatyala kunye nobude bemboleko . Qhubeka ukhumbula engqondweni, umgangatho osezantsi kumanqaku ekhredithi, umgca wokubhala phantsi.
I-Club yokuboleka inikeza imali mboleko kwi-24, 36 neenyanga ezingama-60 ngokwemali engama-$ 1,000 okanye ngaphezulu kwama-$ 35,000. Kuya kuba nemali yokuvela kwimizuzu engamahlanu kwaye akukho ntlawulo yokuhlawulwa kwangaphambili.
Ngaphambili
I-Forevant (yangaphambili i-AvantCredit) inikezela ngemali mboleko mboleko ngendlela yokubolekwa kwemali mboleko kulabo abanakho ukufumana imvume yokuboleka imali kunye nomniki-mboleko wendabuko okanye umniki-mboleko wemboleko kunye nobunzima bokubhala phantsi. I-Avant iza kuvuma amanqaku ekhredithi ngaphantsi kwe-550, kodwa udidi oluqhelekileyo luyi-600 ukuya ku-750.
Oku kunikeza iinketho kubafuni bemboleko ngekhredithi ebuthakathaka okanye eyonakalisiweyo ekhangele ukukhusela umboleki wemivuzo . Ukujonga ireyithi ebolekwayo mboleko ayiyi kulimaza amanqaku emboleko.
Imali-mboleko engaphambili ivela kwi-12 ukuya kwi-60 inyanga yemigangatho kwi-$ 1,000 ukuya kwii-35,000 zamawaka kunye nama-APRs ka-9.95 ukuya kuma-36.00 ekhulwini kuye kuxhomekeke kummandla.
Ayinzakucaka ukuthenga ngeenxa zonke
Umgaqo omnye umnqophiso xa ufuna umboleko wemboleko kufuneka ube kukuthengela. Ngokungafani nokufaka ezinye iintlobo zemali-mboleko, abaninzi ababonelela ngemboleko banikela ithuba lokujonga amaxabiso ngaphandle kokulimaza amanqaku emboleko. Ngoko thabatha ixesha lokujonga ngeenxa zonke kwaye wamkela isibonelelo esilungileyo.