Unokwenza njani ukuba uqinisekise ababolekisi ukuba ulungile ngemali kwaye ufumane imvume?
Ukubonisa ukuba ngabaphi abathengi bafuna kwaye bathengise ngababolekisi abafanelekileyo ukuphucula amathuba akho.
Cosigning Basics
Ababolekisi bavavanya isicelo sakho sembolekiso ukuba banqume ukuba bacinga ukuba uya kubuyiselwa. Ukwenza njalo, bajonge ngokubalulekileyo izinto ezimbini: izikolo zakho zemali , kunye nemali engenayo ekhoyo ukuze wenze iintlawulo zemboleko. Ukuba abanakho ithemba lokuba unokuhlawula ngokwakho, abayi kukuvumela ukuba ubolekise ngaphandle kwe-cosigner.
Abaqhagamshelanisi bavuma ukuhlawula xa unqabile - bangama- 100 ekhulwini kwi-hook yetyala njengokuba unjalo. Ngaphandle kwe-cosigner, ababolekisi banokuqokelela kuphela kuwe , umboleki oyintloko. Ukongeza i-cosigner kuthetha ukuba ubuncinane abantu ababini abanakho ukuqokelela ukusuka (kunye neengeniso ezimbini zokufumana imali). Funda kabanzi malunga nendlela yokuSebenza kweCandelo .
Umqhagamshelanisi onesiqinisekiso esinamandla okanye umvuzo ophezulu unokunceda isicelo sakho, kodwa usenokukwazi ukuboleka ngaphandle komnye.
Ukuba (Ekuqaleni) Awuvunyelwanga
Ukuba ngababolekisi bakuxelela ukuba awukwazi ukuvunyelwa ngokwakho, musa nje ukuthatha igama labo.
Zininzi izisombululo ezikhoyo (ezinye zazo zikhawuleza kunabanye).
Yakha ikhredithi: ukuba awukwazi ukufumana mboleko ngaphandle koqhagamshelanisi ngenxa yokuba unesikolo esibi, yenza umsebenzi wokuphucula ikhredithi yakho. Enoba awuzange ube nelungelo lokuseka i-credit okanye ulahlekelwe iintlawulo kwixesha elidlulileyo, unokuhlala uvuselela - kuthatha ixesha.
Bona indlela yokuphucula i-credit yakho . Kubafundi kunye nabantu abangaphantsi kweminyaka engama-21 ubudala, loo mngeni. Zama ukufumana umncinci wesikweledu okanye imali ebolekileyo yemali kwi-credit union.
Hlela iimpazamo: ngamanye amaxesha iimpazamo kwiingxelo zakho zemali-mboleko zikubambelela. Ukususa ezo mpazamo kunokukhokelela ekuphuculeni ngokukhawuleza kwinqanaba lesikweletu. Bona indlela yokulungisa iimpazamo .
Yongeza ingeniso: iibhanki zivuma okanye zikhanyela imali mboleko ngokusekelwe kwimivuzo eninzi iya kudliwa yiintlawulo zenyanga. Ukuvavanya, babala ityala kwinzuzo yokufumana imali , abazama ukuyigcina phantsi. Ngeniso ephezulu (ukusuka kumsebenzi wesikhashana, umzekelo), unethuba elingcono lokufumana imvume ngenxa yokuba umboleko ubonakala ungathengi.
Bhoxa ngaphantsi: ababolekisi bangenakuphika mboleko mboleko oyifake kuyo, kodwa banokukuvumela ukuba uboleke ngaphantsi ngaphandle kokufaka umxhasi-sicelo kwisicelo sakho. Qalisa ezinye izibalo ukufumanisa indlela iimali zemali ezahlukileyo eziza ngayo kunye neentlawulo zenyanga zenyanga ezahlukeneyo (oku kubangela ukuhlawulwa kwetyala kumlinganiselo wemivuzo). Inkokhelo enkulu kakhulu inokuphucula umboleko wakho ukuxabisa umlinganiselo kunye nokwenza ukuba imali mboleko ikhangeleke kubalimi.
Ukwandisa uphando lwakho: uxelelwe ukuba "hayi," kodwa kukho abanye ababolekisi ngaphandle. Zithengeza ngamaziko amancinci, kubandakanya iibhanki zemimandla kunye neemanyano zesikweletu .
Ababoleki abasanda ku- intanethi (kuquka ababolekisi bamontanga) nabo bazimisele ukusebenza kunye nabbolekayo abanesitalato esingaphantsi-epheleleyo. Abanye ababolekisi be-intanethi bavuma iimali-mboleko ezisekelwe kwiidrikhi ozifumeneyo, nangona awuzange wakha isikweletu ngaphambi.
Ukuhlawula amatyala: amanqaku akho ekhredithi kunye neengeniso zakho zenyanga ezikhoyo zikhombise iitalato zakho ezikhoyo. Ukulahla amatyala kwenza kube lula kuwe ukuba ufumane iimali-mboleko ezintsha kuba awuyi kubonakala uxhaswe , kwaye uya kuba nesibophelelo esisodwa senyanga. Ngokubaluleka kwemali mboleko njengemali-mboleko yasekhaya, "ukulungiswa ngokukhawuleza" emva kokuhlawula ityala (okanye ukulungisa iiposiso) kunokubangela izikolo eziphezulu zamatyala ngaphakathi kweentsuku .
Ukubambisa isibambiso: unakho ukuboleka kwi-asethi oyisebenzisayo, ukuyisebenzisa njengobuncwane . Ngelishwa, lesi siqhinga esingozi - unokulahlekelwa yintengiso ukuba awukwazi ukuhlawula imali mboleko (ibhanki inokuthatha ipropati yakho kwaye iyithengise ukuze ibuyisele imali yayo).
Ukuba uboleka kwisithuthi sakho, ibhanki inokubuyisela kuyo , kwaye ababolekisi bangakwazi ukubeka ingqekembe ekhaya lakho ukuba awuyi kugcina ikhoyo ngemali mboleko yemali.
Imali Yomfundi
Ukuba uzama ukufumana imali mboleko yomfundi, unamathuba amaninzi okuboleka ngaphandle kwe-cosigner.
Qala ngokufaka isicelo kwiiprogram zemboleko zemfundo (kunye nolwazi olubizwa ngokuba yiNgxowa-mali ngqo) nge- Office Aid Aid yeSikolo. Ukwenza njalo, kuya kufuneka ugcwalise ifomu le-FAFSA kwaye unikele ngolwazi malunga nemali yakho. Imali-mboleko ye-Federal student iyimali-mboleko enokubakholeka kakhulu ekhokhwayo-inokuguquguquka xa ivela ekubuyiselweni, kwaye unokufumana uncedo lokuhlawula iindleko zentshisekelo .
I-Stafford mboleko , ngokukodwa, inokuba yinto ekhangayo. Zifumane ixesha elipheleleyo, ixesha lesabelo, abagqibeleleyo nabafundi besikolo esiphantsi. Ikhredithi yakho ayiyinkxalabo, ngoko ke umntu unokufumana le mboleko ngaphandle kwe-cosigner (xa nje uhlangabezana nemigangatho efunekayo kwi-Stafford mboleko).
Imali mboleko yakwaPerkins nayo yinto enhle kubboleki. Iingxelo zakho zemali-mboleko azikhathazeki, kodwa ukukwazi kwakho ukufumana umboleko wePerkins kunokuthi kuncinci - bafumaneka ngokusekelwe kwiimfuno zemali.
Ukufumana iinkcukacha ezingaphezulu, kunye nokukhethwa kwemboleko mboleko ubone iMali-mboleko yabafundi 101 .
Imali-mboleko yomfundi oyimfihlo: kukulungele ukuqala ukuboleka ngemali-mboleko yomfundi. Ukuba udinga okungaphezulu kwama-maximum avumelekileyo, unako ukuboleka kubalimi bangebucala . Nangona kunjalo, ababolekisi ngabangasese banamathuba amaninzi okufuna umququzeleli (ngaphandle kokuba unayo inkokhelo eyaneleyo kunye nengeniso). Akunjalo ngaso sonke isikhathi-kwaye unokufumana inzuzo kunye nekhredithi njengomfundi ophumeleleyo-ngoko kufuneka ucele.