Ziphi na zonke iiMali eziMali?
Indlela ekhuselekileyo yokuboleka kwi-intanethi kukuba uqinisekise ukuba ujongene nomboleki ohloniphekileyo kwaye ugcina iliso kwiiflegi ezibomvu.
Kukho iingozi ezimbini ezibalulekileyo xa uboleka imali kwi-intanethi.
- Ukulahlekelwa yimali ngumngcipheko wangempela: Ababolekisi beentengo banokubeka kalula ivenkile, bathembisa ihlabathi, kwaye bahlawule imali yokuvumela imali mboleko yakho. Ekugqibeleni, awufumani oko uhlawule.
- Ukuhlawula kakhulu: nangona ufumana imali mboleko, unokugqiba ukuhlawula kakhulu (kwiimirhumo kunye nomdla) kumntu-mboleko ombi-uchithe amawaka eedola ngaphezu kokuyimfuneko. Ababolekisi abathembekileyo baya kukunika umboleko ofanayo omnye.
Ulwaphulo lobunikazi lwenzeka xa unikela ngolwazi lwakho lomntu kwizala zobungqina-okanye uzinike kwiwebhusayithi engakhuseli ngokwaneleyo ulwazi lwakho (nangona ingaqokeleli ulwazi ngenjongo yokweba ubunikazi bakho). Izinto ezifunyenwe ngokubanzi kwizicelo zemboleko ziba luncedo kakhulu ngokuba i-identity yakho: Inombolo yakho yoKhuseleko loLuntu, umhla wokuzalwa, idilesi zangoku kunye neyaphambili, njl njl.
Ungaphinde uphikelele ukuba ulahlekelwa xa uchitha ixesha lakho uzama ukuboleka kwi-borrower kwaye uchithe ixesha elide ukusebenzisana nazo zonke izicelo kunye nokulandelelana.
Ukuthatha iLender Lender
Ukujongana nomboleki osemthethweni kunye nozukileyo kuyakukhusela iingxaki ezininzi. Njalo uphando ababolekisi ucinga ukusetyenziswa nokufunda kokubili ukujonga okulungileyo nokubi. Khumbula ukuba yonke into kwi-intanethi ayiyinyaniso, kwaye unokuba ufunda ukuhlaziywa kwabasebenzi okanye abaculi bokudibanisa.
Kukhuselekile kakhulu ukuboleka kumboleki oye wakuva malunga nomthombo oyithembayo.
Ngaphambi kokuba ungenise isicelo, hlola izikhalazo kunye ne-US Consumer Financial Protection Bureau (i-CFPB), egcina isiseko seenkcukacha ngezikhalazo zemali. Ezi zikhalazo, kunye nayiphi na impendulo evela kumboleki, zithunyelwa kwi-Intanethi kwiintsuku ezi-15.
Ukudluliselwa okuthembekileyo kuvela kwimithombo oyaziyo ayikho nje i-shill yokuboleka imali. Buza bakho abahlobo kunye nosapho apho babolekelwe khona, kwaye izinto zihamba njani. Unokuva kwakhona ngababoleki abalungileyo abashukumisayo bemali okanye kwiipodcasts zemali eziphezulu. Ubungcono umthombo wakho, unokuqiniseka ngakumbi xa unokuboleka (kwaye ubuncinci ukuba ufumane ukuhlaselwa).
Imithombo engaphantsi ethembekileyo kufuneka igwenywe:
- I-imeyile evela eluhlaza okwesibhakabhaka ayikho imithombo efanelekileyo yolwazi. I-Spammers ithumela labo baphuma ngezigidi, kwaye awukwazi ukuba ngubani osebenzisana naye. Kuyafana nenye ye-imeyile yesikolo edala yakufika endlwini yakho.
- Iifowuni zefowuni ezingacelwayo , ngokukodwa ukusuka kwinani elivinjiweyo, zikwabizwa ngokuchanekileyo kwiikratshi. Nangona kubonakala ngathi ifowuni ivela kwinani lendawo, umnxeba unokuba ngumgama kwihlabathi. Ngezixhobo ezinjenge VOIP (kunye nezixhobo zamahhala ezifana ne-Google Voice), nabani na ukufumana inombolo yefowuni ekhangelelanisa indawo.
Ukuba ujongene nomboleki ongeyena igama lomzi, sebenzisa ulumkiso.
Jonga i-Red Flags
Ngamanye amaxesha adibanisa abaculi. Xa uqala ukuthetha nomboleki, qaphela indlela abaqhuba ngayo ngaphambi kokuba unikele ngolwazi lwakho lomntu-okanye imali yakho. Ukuba ubona iiflegi ezibomvu ngaphantsi, funda umboleki ohlukile.
Imirhumo ye-front-front: ababolekisi abahloniphekileyo abafaki iifizi phambi. I-"scam-fee scam" isetyenziswa ngokuphindaphindiweyo ngamasela, achaza ukuba kufuneka uhlawule umrhumo kubo ukucwangcisa isicelo sakho. Kukho iimali-mboleko ezisemthethweni ezibiza imali ukuba zifake isicelo, kodwa ezo ziyimali-mboleko enkulu njengemali-mboleko yasekhaya (unokufuneka uhlawule ithenkethi, i-appraisal, njalo njalo), kwaye ezo ntlawulo zichazwe ngokucacileyo-ngokuqhelekileyo ekudaleni ngokusemthethweni maxwebhu. Ukuba ufumana imali mboleko okanye umboleko wemoto, iifayili kufuneka zikhutshwe.
Ukuba ugqiba ukuhlawula intlawulo, unokuqiniseka ukuba baya kuqhubeka bezama ukufumana imali "yokugqibela" ngaphandle kwakho (ngokugqithiseleyo) kude ufikelele.
Ukuvunywa okuqinisekileyo: ababolekisi abangekho shishini lokulahlekelwa yimali, ngoko abanako ukuqinisekisa ukuba baya kuboleka nabani na. Abanye ababolekisi bazimisele ukuthatha ingozi ngakumbi kunabanye, kodwa bafuna ukwazi okuthile malunga nemali yakho kwaye bathathe ingozi efanelekileyo. Ukuba ungekho (okanye imbi) imbali yesikrredit, akukho ntlawulo, kwaye akukho nkunkuma oyisebenzisayo njengobuncwane , njani umnini-mboleko angaqiniseka ukuba baya kubuyisa imali yabo? Ukuba kuzwakala kuntle ukuba kube yinyani, mhlawumbi. Ababoleki abavuma ukuba "nabani na" bahlala benengqiqo kunokuba bevakala-bafumana indlela yokufumana inzuzo ephezulu ngokutshintshisa ukuthatha ingozi enkulu (oko kuthetha ukuba uhlawula kakhulu), okanye bazama ukweba imali okanye idatha .
Isicelo sezimali ngetambo okanye kwi-Western Union: ukuba ufake isicelo semboleko, uzama ukufumana imali-ngoko kutheni ufuna ukuthumela imali? Kwakhona, ezinye iimali-mboleko zifuna iimali ezifanelekileyo, kodwa unokuhlawulwa ngokuqhelekileyo ngetshekhi okanye kwikhadi lekhredithi. Ukuba ngababolekisi bafuna ukuhlawulwa ngotshintsho lwefowuni okanye ezinye iinkonzo zentlawulo zangethuba (ezifana neWestern Union okanye i-MoneyGram), ngokuqinisekileyo kukhangelekile. Emva kokuba uthumele imali, imali ihambe kakuhle, kwaye akunakwenzeka ukufumanisa ukuba ngubani owamkela imali. Ngakolunye uhlangothi, umnini-mboleko owamkela iireki kufuneka adlale i-akhawunti yasebhanki "ecocekileyo" ukuba afake ezo zihlolisiso (apho ukuthotyelwa komthetho kufumaneka kalula), kwaye abaproseshi bamakhadi-krediti bakhawuleza ukuvalela abathengisi ngeenombolo eziphakamileyo zezikhalazo.
Ukuthengisa okungekho nzuzo kunye nenkonzo: iibhanki aziwa ngokusebenzisana kwazo okufudumalayo nokungabonakaliyo, kodwa awufumani ingqiqo yokuba ubhekene nokusebenza kwe-fly-by-night. Iwebhusayithi "yokuqala" egcwele amagama angaphantsi kunye nezinye iimpazamo zingabonakalisa ukuba ubhekene neengqungquthela. Iiphoso zoKhuseleko ezivela kwisiphequluli sakho ziphawu olubi. Ekugqibeleni, phawula indlela abathengisi abazithetha ngayo nawe-ukuxhaphaza, ukunyanzela ukunyanzela kukubonisa ngokucacileyo oko kuza kuza.
Igama lomdlalo: ukuqala kokubaluleka kubalulekile, kwaye ukugxekwa kungenanto yokwenene ukukhetha amagama asemthethweni (okanye adibanisa amagama). Igama elithi "Federal" kwigama lendlalifa alithethi ukuba urhulumente wase-US uye wavuma umboleki. Ukukopisha igama lebhanki enkulu kunye neelinye okanye ezimbini iileta zatshintshile enye indlela.
Imali Yengozi
Ezinye iingxowa-mali ziyingozi ngaphandle kwanokuba ngubani obolekayo kwaye kulula ukufumana ezo mboleko kwi-intanethi.
Iimali-mboleko ezincinci zingakhokelela kwi-spiral ye-matyala eyokushiya kwisimo esibi kunokuba wawukho ngaphambi kokuba uqale. Imali-mboleko ye-Payday kunye ne- title title loans ziyaziwa kakhulu ngeemali eziphezulu ezihlawulwa ngokugqithiseleyo kwaye ziphelile ukuba zilingana nemilinganiselo yenzala yesithathu.
Ababolekisi abangekho mthethweni banomngcipheko kwi-intanethi.
Ababolekisi abangenayo imvume abafanelekile ukubolekisa kwilizwe lakho, kodwa ke, banokunikela ngemali mboleko kunye nokuqokelela iifizi ukusuka naphi na emhlabeni. Hlola kunye nabalawuli bakho baseburhulumenteni ukufumana ukuba umboleki-mali ugunyazisiweyo ukwenza ibhizinisi apho uhlala khona. Ababolekisi abathembekileyo 'abayikulibala' ukubhalisa okanye bavumele ilayisenisi zabo ziphelelwe. Ukuba unempikiswano kunye nomntu ongenisa imali ngaphandle kweentlanga, mhlawumbi unomsebenzi omncinci okanye awukho mthethweni.
Izenzo ezingekho mthethweni zisebenzise abantu abanomdla wokuboleka okanye abangenayo inketho ezininzi. Izenzo eziqhelekileyo ziquka:
- Ukuhlawula umlinganiselo wenzalo ophezulu kunokuba uvunyelwe kwimeko yakho
- Ukuhlaziya okanye "ukugqithisa ngaphezulu" iimali-mboleko eziphezulu ngokuphindaphindiweyo kunokuba urhulumente wakho avumela (uhlawula omnye umrhumo ngexesha ngalinye le nzekayo, kwaye umthwalo wakho wetyala ukhuphuka ngaphezu kwexesha)
- Imveliso "yokupakisha" njenge-inshorensi yokuphila okanye yokukhubazeka kwimboleko yakho ngaphandle kwesivumelwano sakho
- Ukuphula imithetho yokuqokelela amatyala, ekunciphiseni indlela ababolekisi abavumelekileyo ukuba baqokele ngayo kwiimboleko ezingahlawulwa okanye ezingekho phantsi
Abaqokeleli-nkcukacha (nabathengisi): ekukhangekeni kwamasayithi okubolekisa nge-intanethi, unokufumana ama shishini athetha ngokucacileyo "asiyiboleki imali." Iwebhu igcwele izitulo zokuvelisa izikhokelo, enika ulwazi lwakho kubalimi. Abaqhubi beenkuthazi bahle ekuthengiseni: ukhangele imali mboleko, kwaye banokukunceda ufumane umntu ozimisele ukuboleka. Iiwebhusayithi ezininzi zenza oku kwaye zinikezela ngeenkonzo ezixabisekileyo (ngelixa ufumana ambalwa bucks kwimboleko nganye), kodwa imisebenzi ye-shadier ingabangela iingxaki. Qaphela xa unikeza ulwazi kwiisayithi ezithembisa ukuthenga ukhuphiswano kuwe-zingase zithengise ulwazi lwakho loqhagamshelwano kwiqela labanini-mboleko (okanye izala zesazisi) eziza kuzama ukufumana imali kuwe.
Ukuboleka Ngokuhlakanipha
Ukuboleka ngokukhuselekileyo kuthetha ukuboleka kuphela njengoko ufuna kwaye unokukwazi ukuhlawula. Ababoleki banqwenela ukukunika imali ephezulu kunokwenzeka (ngokwezibalo zabo, ezisekelwe kwingeniso yakho ). Kodwa awuyi kuboleka ubuninzi, kwaye akunqabile ukuba nembono enhle ukwenza njalo. Nangona unako ukuhlawula iintlawulo ngoku , awukwazi ukuba yiyiphi imimangaliso ezayo kwixesha elizayo.