Oko Okufuneka Ukwazi Ngoku Ngokumalunga Neengxowa-mali
Ziziphi i-Payday Imali?
Imali-mboleko ye-Payday yinkcitho-mboleko encinci ongayisebenzisa xa usesikhatsini semali.
Ngokuqhelekileyo, iimali-mboleko zemivuzo yesikhashana (iiveki ezimbini okanye njalo) ngenani lemali elincinci (ngamashumi amabini amancinci). Ukuze ufumane umboleko wemihla yomvuzo, usibhalela ngokutsha isheke malunga nemali oyibolekayo - kunye nomrhumo. Unokushiya isheke kunye nomboleki, kwaye bayayifaka xa usulungele ukuhlawula.
Ukuba awukwazi ukuhlawula umboleko wakho wemihla yokuhlawula xa ufika ngokufanelekileyo, ngezinye izihlandlo ungayigqitha "ukuze ubolekwe. Akumele uhlawule, kodwa iifizi ziqhubeka ziqokelela. Ezinye iindawo zilawula i-rollovers-nokuba zibalahle okanye zinciphise inani lamaxesha onokuzivuselela.
Ngamanye amaxesha iimali-mboleko zemali zithengiswa ngokuthi " akukho ngxowa-mali ". Awudingi amanani amanqaku ekhredithi (okanye nayiphina imbali yamatyala), kwaye "ukuvunyelwa" kulula ngokumalunga nemali mboleko yemveli . Ngenxa yoko, bayathandwa ngabantu abajongene nobunzima bezezimali.
Iindleko zemivuzo yePayday
Ngokuqhelekileyo, iimali-mboleko zemini-mboleko zibiza kakhulu.
Uya kugqiba ukuhlawula umyinge wepesenti wonyaka ( APR ) onokuthi ube ngamakhulu emitha. Umzekelo, unakho ukuhlawula umrhumo we-20 wemali ukuboleka i-$ 100.00 kwiiveki ezimbini. I-Consumer Federation yaseMelika inezibalo ezintle ezithelekisa iimali-mboleko ze-payday kwezinye iindlela. Ezi zibonisa ukuba uza kuhlawula malunga no-426% we-APR kwimali-mboleko ye-payday, kodwa ukuhlawula i-APR ngaphezu kwe-1000% ayilwanga.
Iintlawulo zePayday Payday
Umngcipheko oyintloko kunye neendleko zemali yokuhlawula iindleko zabo. Ngenxa yeemali eziphezulu kakhulu, abanakukunceda ukuba usombulule ingxaki yangempela. Ukuba unenkathazo yezemali, iimali-mboleko zemihla yokuhlawulwa zingenza izinto zibe zibi nakakhulu. Uhlawula umyinge ophezulu wenzala oku kuthetha ukuba iindleko zakho ziyakhuphuka. Njengoko isicwangciso sexesha elifutshane-mhlawumbi kanye okanye kabini ebomini bakho, ukuba loo mboleko-mboleko ingayifumana kwisiqwenga esibi. Ngokomzekelo, unokufuna ukulungiswa kamsinya kweemoto yakho ukuze ufike emsebenzini kwaye uqhubeke uzuza inzuzo. Njengesiqili sexesha elide, iimali-mboleko zemali ziza kukudonsa phantsi.
Unokuzifumana enkingeni ukuba izinto ziphuma esandleni. Ukuhlawula okubhaliweyo ukuba ubhalele kwisikwerelo semali-mboleko ye-payday singaphelela kwifayili yakho ye- ChexSystems kwaye kubangele iindleko ze-overdraft ebhange lakho. Amabhanki kunye nabathengisi abanako ukungafuni ukusebenza nawe. Umboleki-mali unokugxeka okanye uthumele i-akhawunti yakho kwiiqokelelo, eziza kuphakamisa i-credit yakho. Ukuba uqhubeka ulula imali-mboleko ye-payday, uza kuhlawula ngaphezulu kwimali kunye nemirhumo kunokuba uboleke kwindawo yokuqala. Ukuze ugweme loo ngxaki, funda indlela yokuphuma kwintlawulo yemboleko yemini-mboleko ngonaphakade.
Kuthiwani NgeeNgxowa-mali ze-Payday Bank?
Amabhanki athuthele kwimveliso yemboleko yemini-mboleko, mhlawumbi ukwenzela ukufumana imali engaphezulu.
Nangona ukubolekwa kwebhanki yendabuko (imali ebolekelwe ukuba ufaneleke ukuxhomekeka kwi-credit yakho, imali engenayo kunye neyeempahla) ingaba yindlela engcono, iimali-mboleko zemali yebhanki ayikho bhetele kunanoma yimuphi umboleko wemali ye-payday. Baya kuhamba ngamagama ahlukeneyo, kodwa basoloko bebiza kwaye bengozi.
Enyanisweni, iimali-mboleko zemali ezivela kwiibhanki zinokuba zibi ngakumbi kunemali-mboleko oyifumana kwisitolo semali-mboleko. Ngoba? Ibhanki inokufikelela kwiakhawunti yakho yokutshekisha , kwaye uyavuma ukuvumela ukuba bathathe imali kwiakhawunti yakho ukuze babuyisele imali mboleko. Ukuba bafuna imali yabo (kodwa kusenokwenzeka ukuba wenze imali yokubolekisa okanye imoto ) baya kuthatha ngokukhawuleza ukuba iyatholakala - ngaphambi kokufumana ithuba lokuyichitha kwezinye izinto ezibalulekileyo. Xa uboleka kwenye indawo, unakho ukulawula okungakumbi malunga nendlela kwaye imali yakho ishiya ngayo.
Oku akuthethi ukuba ungalokothi usebenzise umboleko we-payday ebhankini; Ukusebenzisa enye yezi mboleko kungengozini kungakhathaliseki ukuba uyifumana phi, kwaye kungenzeka ukuba ibhanki yakho inokunikela ngemigangatho engcono.
Eminye imiba yeMali yeMali
Endaweni yokusebenzisa umboleko wemivuzo, qwalasela ezinye iindlela:
- Yakha isikhwama semali esiphuthumayo kwi-akhawunti yakho yokulondoloza (ngamanye amaxesha kulula ukutsho kunokuzenzela)
- Yakha ikhredithi ukuze ubolekiswe kubanikezeli abaqhelekileyo (ngokumodareyitha)
- Gcina ikhadi lekhredithi elivulekileyo kwiindleko zongxamiseko
- Fumana imali mboleko (okanye umboleko ongaqinisekisiwe ) ukusuka kwibhankini yakho okanye umanyano wekhredithi
- Khetha i-time-time job for cash extra
- Xoxa ngesicwangciso sentlawulo kunye nababolekisi bakho (cela malunga nokuguqulwa kwemboleko )
- Phanda izicwangciso zokukhusela i-overdraft kwi-akhawunti yakho yokukhangela
- Zama oontanga kwiinkonzo zokubolekisa ngontanga kwintsebenzo engcono
Ngaba i-Payday Loans Safe?
Ezi mboleko ziyakwazi ukujika ngokugqithiseleyo. Ukuba uboleka kwisambatho sokuboleka kwesikhwama sokuhlawulwa kwangaphambili, ukhuseleko lwakho lomzimba cishe alusemngciphekweni ngendlela efana ngayo ukuba uboleke kwi-sharks mboleko . Abaninzi ababolekisiweyo baya kudibanisa kwiimirhumo, baqhagamshelane nawe ukuze uzame ukuqokelela, kwaye ekugqibeleni uzise isenzo somthetho kuwe ukuba awuhlawuli. Iimboleko ziyimali eyingozi.
Ukufaka isicelo semali mboleko ye-payday online kuyingozi. Awukwazi ukuba ngubani ohambisa ulwazi lwakho, kwaye ezinye iiwebhusayithi azenzile ukuboleka imali. Basenokuqokelela ulwazi ukuba bathengise kwabanye ababolekisi (oko kuthetha ukuba uya kukhukuliswa ngeefowuni kunye nezibonelelo - ezingenakukugqithisa njengoko zivakalayo), nokuba zifuna ulwazi oluthile olungasetyenziselwa ubusela besazisi. Ngokukodwa xa ucelwa ukuba uhlawule umrhumo-phambili, unokuthi uthathe inxaxheba kwi-scam edala.
Ukukhusela iMali yeMali ye-Payday
Imveliso yemboleko yosuku lokuhlawula i-payday ayinamahloni ngokuzivikela. Bathi iingxowa-mali zokuhlawula i-payday zingabizi ngaphantsi kuneenkokhelo zokukhangela kunye neenkqubo zokukhusela i-overdraft . Ukongezelela, baxela ukuba iimali-mboleko ze-payday yindlela ehamba phambili kunye elula kakhulu yokuba abanye abantu bafumane imali.