Joyina, Faka isicelo, uze ufumane imali
Imirhumo yemibutho yemboleko yemali mboleko ivela ngezinga eliphantsi kunye nemirhumo, oku kuthetha iindleko eziphantsi ezibolekayo . Okungakumbi, kungaba lula ukufumana imvume yokubolekwa ngemboleko kwi-syndicate.
Akukho mntu ufuna ukubolekisa imali engayi kubuyiselwa, kodwa iinkontileka zeentengo zemboleko zincinci zinokuthi zithathe indlela eyongezelelekileyo yokuhlola iimboleko zakho (endaweni yokuthatha indlela eqinile kubo bonke abafaka isicelo semboleko).
Ukuqalisa ngeManyano yeMatyala
Ukuba awuzange usebenzise iimanyano zemali-mboleko ngaphambili, awukwazi into eninzi ngabo, okanye usenokucinga ukuba zifana neebhanki. Kukho ukufana okuninzi , kodwa ulwahlulo olubalulekileyo ngumnini-mboleko: Imanyano yabanini-mboleko ayiyiyo inzuzo eyenziwa ngabathengi babo. Uninzi lwama-credit unions lusebenza ngenjongo yokubonelela ngeenkonzo zemali kubanikazi bamalungu . Ngenxa yoko, iirhafu zemali-mboleko yemanyano yesikweletu zivame ukuphuma ngaphantsi (ukuthelekiswa neebhanki ezinkulu ezifuna ukuqhubeka zikhula inzuzo).
Ukuba ilungu
Ngaphambi kokufaka isicelo sembolekiso, kufuneka ube 'ilungu' okanye umnini-nxaxheba we-credit union (ungakhathazeki, akunakunzima njengoko kuzwakala).
- Imilinganiselo yobulungu: Ukuze ube ilungu, kuya kufuneka ufanele ukuhlangabezana nemigangatho ethile. Oko kudla ukuba kuthetha ukwabelana ngezinye iinjongo kunye namanye amalungu (njengokuba uhlala khona, okanye i-shishini osebenza kuyo okanye amalungu omndeni wakho).
- Izindlela ezilula ku: Kungakhathaliseki ukuba ungubani, unethuba elihle lokuba unokujoyina inyunithi yesikweletu, kwaye unokumangaliswa ukuba kulula kangakanani ukufaneleka. Umzekelo, xa uthengisa imoto, unokufumanisa ukuba umthengisi unako ukwenza ilungu - ngaphandle kwakho ukuba uhambele elinye lamasebe. Xa uthengwa kumthengisi, udibana (enye yeemfuno zeemfuno ze-credit union).
- Ukufumana inyunyana yekhredithi: Ukufumana ukuba imanyano yamatyala iyatholakala kufuphi, zama i-National Credit Union Administration ye-credit union. Ukuba awufumani nantoni na indawo, ininzi yemanyano yamatyala iyamkela amalungu avela kwi-United States yonke.
- Idiphozithi yokuvula: Emva kokuba ufumene imanyano yemboleko yokuba uvumelekile ukujoyina, uya kuba ilungu ngokuvula i-akhawunti kwaye wenze idizithi encinci (rhoqo i-$ 25 okanye njalo). Emva koko, ulungele ukufaka isicelo semboleko.
Ukufaka isicelo semali
Kwiimeko ezininzi, unokujoyina umanyano wemboleko kunye nokufaka isicelo semboleko ngokufanayo. Ukuba sele usungulungu, ngoko ude phambili.
Thetha kunye negosa lemboleko kwi-union yakho yemali ukuqonda iintlobo zemali-mboleko ezikhoyo, kwaye ubuze malunga neemfuno ezisisiseko zokufumana imboleko yakho evunyelwe.
Inkqubo iyahluka ukusuka kwenye indawo ukuya kwindawo, kodwa ininzi yemanyano yeentengo (nakwezinye iindleko) zinemfuno elandelayo:
- Isicelo: Kuza kufuneka ugcwalise isicelo, nge-intanethi okanye kwiphepha.
- Ukuchonga: Kwisicelo, kuya kufuneka unikezele ngolwazi oluchongekileyo malunga nawe, njengeNombolo yoKhuseleko loLuntu.
- Ingqesho: Ezinye iimanyano zekhredithi zifuna ukuba ube nomsebenzi ofanayo kwithuba elithile (unyaka owodwa, umzekelo).
- Ingeniso: Uzakufuna inzuzo yokubuyiselwa kwemboleko, kwaye kuya kufuneka uxelele inyunyana yekhredithi ubuninzi bakho. Iintlawulo zakho zanyanga zonke kuzo zonke iitalato ziya kufuneka zibe ngaphantsi kwetyala elithile kwinani lentlawulo .
- Ukulingana okanye ukuhlawula intlawulo: Ukuba uthengela ikhaya okanye imoto, uzakufuna ukuhlawula inkokhelo ephantsi (leyo yinto efanelekileyo nje ). Ukulungiswa kwempahla, uya kufuna ukulingana okwaneleyo , ngokuqhelekileyo kulinganiswa njengemali- mali ukulinganisela isilinganiso .
- Ukuboleka ngemali: Imbali yokuboleka nokubuyisela imali mboleko iya kunceda ufumaneke. Amanqaku akho ekhredithi aqhelekileyo asetyenziselwa ukugweba uboleko.
Akukho nto ephosakeleyo ngokucela umntu kumanyano-mboleko ngeemfuno ngaphambi kokuba ufake isicelo semboleko. Ingxoxo esheshayo ingakusindisa (nabo) ixesha. Umzekelo, ukuba uyazi i-credit score, fumana uluvo olungacwangciswanga malunga nokuba ungayifanelekanga okanye ungayifumana, kwaye uxoxe nayiphi na imiba efana nokuqwengulwa kwangoku .
Ukufumana imvume
Emva kokufaka isicelo, igosa le mboleko liya kuphinda lihlolisise isicelo sakho ukuze ubone ukuba ufanelekile yini ukuba uboleke imali.
Nangona ungenayo imbali eqaqambileyo yokubuyiselwa kwemali-mboleko (okanye ukuba unengxaki ezimbalwa kwixesha elidlulileyo), usenokufumana imvume yokuboleka imali. Ngokukodwa kwiindawo ezincinci, kumaziko oluntu, kunethuba elifanelekileyo lokuba ungathetha nabasebenzi, ngubani oza kuhlolisisa zakho iingxelo zemali kunye neemeko zakho. Ngamanye amaxesha unobumba luyakunceda. Oku akuze kwenzeke kwi-bhanki enkulu-ukuba umlinganiselo wakho wekredithi uphantsi kakhulu, akukho mfuneko, kunye nekhompyutheni iya kugqiba yonke into.
Ubuhlobo besikhathi eside kunye ne-credit union (kunye nokwazi abasebenzi) kunokuphucula amathuba akho ngakumbi. Ukuba bebona ukuba ulawula iakhawunti zakho kakuhle, banokuthi bangawunakugqithisi isigxina kwixesha elidlulileyo.
Imboleko ekhuselekile inokukunceda ukuba ufumaneke (kwaye kuya kukunceda ukwakha amanqaku akho ekhredithi ngexesha elizayo xa ufuna imali mboleko). Ukuze ufumane imali ebolekileyo, uza kuthatha isibambiso esithile , apho umanyano wekhredithi unokuthatha ukuba awukwazi ukwenza iintlawulo zakho. Awudingi ukufungisa indlu yakho, imoto, okanye ubucwebe - imali ebolekileyo yemali isebenzise imali kwi-akhawunti yakho kukukunceda ufumane imvume.
Umququzeleli unokukunceda ukuba ufumaneke. Umququzeleli ngumntu obonisa isicelo nawe . Bamele babe nekhredithi enamandla kunawe kunye nemali engenayo eyongezelelweyo ekhoyo ukuhlawula umboleko. Ngokufanelekileyo, abayi kuyenza inkokhelo - ngumboleko wakho - kodwa banembopheleleko yemboleko xa uyeka ukwenza iintlawulo. Lo xanduva olukhulu (kunye nomngcipheko), kwaye unomdla omkhulu wokubuza umntu.
Ingaba ithatha ixesha elingakanani?
Ukufumana imali mboleko kwi-syndicate yematyala inokukhawuleza. Kwakhona, inkqubo yokujoyina inkontileka yemali kunye nokufumana imali ebolekwe ngemali mboleko inokwenzeka xa uhleli kwi-car dealership. Kwi-yunithi ye-credit union, unokufumana impendulo ngosuku olufanayo, kwaye imali ingenziwa ukuba ifumaneke ngaloo mini okanye kungekudala.
Kwezinye iimeko, kuya kuthatha ixesha elide. Abasebenzi bemanyano yemboleko baninzi ukwenza, kwaye abanako ukunika imali de kube nethuba lokuhlola yonke imboleko. Cwangcisa phambili, kwaye ubuze umnini-mboleko wakho ukuba kufuneka ulindele ixesha elingakanani ukulinda.