Indlela ohlawula inzala ngayo "Akukho nzala" Imali-mboleko
Imisebenzi Yenzalo Echaphazelekayo
Inzala ekhethiweyo nayiphi na inkqubo evumela ukuba uhlawule inzala encinane kunokuba uhlawuliswa (ubuncinane okwethutyana).
Ngokuqhelekileyo, uya kugqiba umdla onomdla xa usebenzise ithuba lokunikezela ngekhadi lesikredenti okanye ukugcina imali kwi-store. Xa ubona eli gama "lifana nemali" okanye "akukho nzala kwiinyanga ezili-12," unethuba lokuphepha ukufumana inzala. Ngethuba nje uhlawula umboleko ngaphambi kokuba ixesha lokunyusa liphele, awuyi kuhlawula umdla, kodwa kuyamangalisa ukwenza loo nto.
Apho asetyenziswa khona: amalungiselelo anomdla achaziweyo ayenziwa kwizinto ezibiza njengezinto zokugqoka, ifenitshala, i-electronics, kunye nokunye. Ngokukodwa malunga neeholide, abathengisi banxenga abathengi ukuba bachithe ngaphezulu kwaye bahlawule kamva. Abadayisi be-intanethi kunye namakhadi-ngetyala banokwenziwa kwezi zibonelelo.
Ingxaki NgamaPhulo aKhuphiswano
Ixesha elingenamdla likhulu xa uhlawula ngokupheleleyo umboleko wakho ngexesha. Kodwa ukuba awukwazi, ukhowule ngokulula ngaphezu kokuba ubuya kuhlawula uhlobo oluthile lomboleko, kwaye ababolekisi basebenzise iindlela ezininzi zokukunceda ukuba uncede.
Iindleko ezibuyisayo: I-big "gotcha" kunye nale mikhawulo kukuba uya kufuneka uhlawule umrhumo emva komhla wokuqala wemboleko yakho ukuba awuyi kuhlawula umboleko ngokupheleleyo phambi komhla wokugqibela. Ngokuxhomekeke kwisakhiwo sembolekiso yakho kwaye xa uhlawula iintlawulo, le ntlawulo ingaba yininzi.
Ubuchwepheshe: Kulula ukulahlekelwa ngumnikelo ongenamdla.
Ukuba wenza enye intlawulo emva kwexesha, umrhumo uphelile etafileni kwaye uya kufuneka uhlawule umdla. Ukuba unetyala nantoni na ekugqibeleni kwexesha lokuphromotha - nangaphantsi kwama dollar - kuya kufuneka uhlawule intshisekelo yokubuyisela. Ukuze usebenzise ngokuphumelelayo ezi zinikezelo, ufuna ngokwenene ukuba ube kwibhola.
Izinto ziguquka: Uninzi lwabantu lithatha la malini anikezele ukuhlawula ityala ngexesha-, kwaye abaninzi banokukrazula. Kodwa ngokubomi ubomi bubuhlungu. Ngokuqhelekileyo, oko kuthetha ukuqondisa imali kwenye into (endaweni yengeniso yakho yemali) kunye nokwehluleka ukufumana umboleko ohlawulwa ngokukhawuleza njengoko kulindelwe. Ucwaningo lwe- CFPB lubonise ukuba ama-20% abo bonke abathengi abahluleki ukwenza umhla wokugqibela (ngaphakathi kwelo qela, phantse ama-43% wabbolekayo abaphantsi kwabo babanjwe kwaye bahlawule umdla).
Ixabiso lentengo ephakamileyo: Ezi zinikezelo zibonisa ukuba inzala ephezulu (ngaphezu kwe-20%). Ngokuqinisekileyo, ucinga ukuba uya kuhlawula i-zero, ngoko ke umlinganiselo awunandaba. Xa into ehambileyo, uya kuqonda ngokukhawuleza ukuba ixabiso lemali mboleko libiza kangakanani.
Iindleko zokumangalelwa: Emva kokuba uhlaselwe iindleko zenzalo ezichasiweyo zentsimbi, uza kufumana isityekiso. Cinga ukuthenga iingubo kunye nefenitshala kunye nokuhlawula ngokunyanisekileyo phantsi kwetyala - kodwa ufike kancinci.
Xa ixesha lokuphromotha liphela, unokubona enye i-$ 1,000 okanye ngaphezulu eyongeziweyo kwi-akhawunti yakho (iintlawulo zenzalo). Ukwenza izinto zibe zibi nakakhulu, awufuneki nje ukuhlawula imali eyongezelelweyo eyi-$ 1,000 - uza kuhlawula umdla kuloo nzala de ihlawulwe ityala.
0% i-APR okanye iNzala eDlulileyo?
Ukuboleka kuhlale kuyingozi ngoba kuya kufuneka uhlawule ngexesha elithile-kwaye awukwazi ukuqikelela iholo lakho elizayo. Nangona kunjalo, ezinye iintlobo zokuboleka ziphephile kunezinye.
I-0% ye-APR inikezeli ayikho into efana nomdla ochaziweyo. Kwixesha elidlulileyo, imimiselo yayidideka, kodwa umthetho we-federal ngoku wenza ukuba kube lula ukubonelela umdla. Ngama-0% APR, unokuhlawula ngokwenene intshisekelo yenkcitho, kwaye inzala iya kuqala ukuqalisa emva kokupasa ukupasa (ngokuchasene nokufumana inkokhelo enkulu yokubuyisela).
Iintlawulo zenzalo ezikhethiweyo azikwazi ukuthengiswa njengemveliso "engu-0% yama-APR". Endaweni yoko, uya kubona imimiselo efana "efanayo nemali," "akukho nzala kuye," okanye "inzala ye-0% xa ihlawulwa ngokupheleleyo" ngexesha elichaziweyo. Ukongeza koko, ababolekisi kufuneka bakubonise umhla ochanekileyo wokuphela kwexesha lokuphromotha kwaye kufuneka babonise inani lemali echaziweyo.
Amakhadi aMatyala anomdla ochaphazelekayo
Xa uthengisa ifenitshala kwaye uhlawula ngemali kwivenkile, izinto zilula: kufuneka uhlawule ifenitshala ngaphambi kokuba ixesha lokunyusa liphele. Ngamakhadi-ngetyala, izinto zidideka ngakumbi ngenxa yokuba unokusebenzisa "akukho nzala" kwaye uqhubeke usebenzisa ikhadi ngokunye ukuthenga.
Izilinganiso ezininzi: Iinkampani zekhadi lesikweletu zigcina izilinganiso zakho zihlukene. Ukuba uboleka "kungekho nzala," loo matyala ahluke kwezinye iintlobo zamatyala (njengokuthenga rhoqo kunye nentuthuko yemali).
Apho iintlawulo zihamba khona: Xa uhlawula iintlawulo, iinkampani zekhadi lesikweletu zifuneka ukufaka iintlawulo ezingaphantsi kweyona nto ubuncinci kumatyala aphezulu-inzala-ngaphandle kokuba uhlala kwiinyanga ezimbini zokugqibela zokukhushulwa kwentlalo. Oko kuthetha ukuba iintlawulo zakho ziya kufikelela kwezinye izilinganiso. Le yimeko apho umthetho we-federal (uMthetho we-CARD ka-2009) owenzelwe ukukhusela abathengi ngokwenene usebenza nawe. Unokucela ukuba umnikeli wakho wekhadi asebenzise iintlawulo ezongezelelweyo kwi-balance balance yakho, kodwa awuyi kuphumelela.
Iingcebiso kubaboleki
Ukuphepha ukuhlawulwa kwentlawulo, ukuboleka ngokuhlakanipha , kwaye ugweme "akukho mdla" onikezela ukuba ngaba bangabangela iingxaki.
Jonga umhla wokuphela: uyazi ukuba kunomhla wokugqibela wokuhlawula ityala, kodwa ngamanye amaxesha umhla wokugqibela awuyi kuqonda. Ixesha lokufumana umvuzo lingaphinda lifutshane kunokuba ulindele, kwaye umhla wokuphela ungase ungabi ngosuku olufanayo njengentlawulo yakho yenyanga. Ungacacisa ukuba ingaba le nto idideka ngamabomu. Naliphi na indlela, ababolekisi bawina xa ungaphumeleli ukuhlangabezana nomhla wokugqibela.
Bhatala ngokukhawuleza, kwangoko, kwaye ngokuqhelekileyo: Akufaneki ukuhlawula ukulinda kude kube ngumzuzu wokugqibela, ingakumbi xa iimali zakho zibandakanyeka. Ukuhlawula ngokukhawuleza njengoko kunokwenzeka ngokukhawuleza kunokwenzeka (ngaphandle kokuba unekhadi lekhredithi eneentlobo ezininzi zamatyala - ngoko kufuneka udibanise iinombolo ezithile). Inkokhelo encinci ayiyi kuhlawula ityala lakho ngaphambi kokuba ixesha lakho lokunyusa liphelile, ngoko uhlawule ngakumbi .
Ngeemakhadi zekredithi, qaphela: kwakhona, iintlawulo ziya kwi-intlawulo yakho yerhafu yokuqala. Ukuba unomlinganiselo wemali kwaye uzama ukuhlawula ibhalansi ethile, cela umnikeli wakho wekhadi ukuba kunokwenzeka nokuba njani ukwenza ukuba kwenzeke (koko uqinisekise ukuba kwenzeka ngokwenene). Xa ungathandabuzeki, ungalinda de iinyanga ezidlulileyo zexesha lakho lokunyusa ukwenza iintlawulo ezongezelelweyo - ezo ntlawulo kufuneka ziye kwi-akhawunti yomdla.
Yigcine ilula: Ukuba unekhadi lesikweletu elinomdla wesithakazelo, khusela ukusebenzisa ikhadi ngokunye ukuthenga ukuba kuya kubangela ukudideka.
Ukugqiba kwangaphambili: Fumana ityala elihlawulwe ngokupheleleyo ubuncinane kwiiveki ezimbalwa ngaphambi kokuphela kwexesha lakho lokuphromotha. Oku kukunika ithuba lokufumanisa ukuba ulahlekelwe naziphi na iinkcukacha (njengetyala elingalindelekanga elikuthintela ukuba uhlawule ngokupheleleyo i-akhawunti yakho).
Gwema umdla: Ukuba uya kuhlawula umdla ochaziweyo, unokuba ngcono xa usebenzisa uhlobo oluthile lokuxhaswa kwemali . Sebenzisa ii nombolo uze ukhethe okulungileyo. Ikhadi lokuthenga inzala-mali eliphantsi okanye umboleko wendoda ingabi xabisa. Kulungile ke, hlawula imali kwaye unako ukuhlawula inzala.