Funda Indlela Yokuphepha I-Traday Loan Trap
Indlela Imali Yemivuzo Yasebenza ngayo
Masithi kufuneka uboleke i-$ 100 ukuya kutsho kwikhowudi yakho ezayo.
Ubhala umnini-mboleko isheke emva kokuhlawula imali kunye nomrhumo. Ababolekisi babala iindleko zemboleko yomhla wokuhlawulwa ngenye indlela ezimbini: njengepesenti yemali oyibolekayo, njenge-10%, okanye njengemali ebekiweyo nge-$ 1 ebolekwe, njengama-$ 15 kuwo wonke ama-dollar ayibolekiweyo.
Emva kokuba ubhale isheke, umboleki-mali uyakunika imali okanye ubeka ngokuzenzekelayo mboleko kwi-akhawunti yakho yokujonga. Emva koko, ngomhla wakho wokuhlawula, umboleki-mali uyakusiza isheke ngaphandle kokuba ukhulise imali mboleko. Ukwandisa umboleko, owaziwa nangokuthi "ukugqithisa" umbolekisi, uhlawule enye intlawulo kwaye ikuvumela ukuba ugcine umboleko kwenye ixesha. Uhlawuliswa umrhumo ngamnye xa uhamba phezu kwemboleko.
Yiyiphi iindleko zemivuzo ye-Payday
IQiniso kuMthetho Wokuboleka ufuna ukuba bonke ababolekisi, kubandakanywa nabathengi bemali mboleko kwi-intanethi, baxelele iindleko zemboleko ngokubhaliweyo ngaphambi kokuba usayine nayiphi na isivumelwano sokuthatha imali mboleko. Bamele bakunike le ngcaciso ngokwemali ye-mali kunye ne-APR (ipesenteji yonyaka).
Ngaphandle kokuba ufunde le ngcaciso, awukwazi ukuqonda ukuba iindleko zemali ehlawulwa ngokwenene ziphi.
Ngokomzekelo, omnye umboleki wemivuzo, iCashcentral.com ihlawulisa i-$ 17.50 ngemali eyi-100 eyibolekiweyo. Kwimali-mboleko yemini-10, u-APR wakho osebenzayo uphantse u-640%! Ezi zihlandlo ezili-15 ngaphezu kwamanye amaxabiso ahlawulwe ngamakhadi aphezulu.
Ukuba uthetha umboleko wemali eyi-14 yemali engu-300 kwaye awukwazi ukuyibuyisela iinyanga ezi-2, uza kugqiba ukuhlawula i-$ 210 kwimali yokubolekwa kwemali yomvuzo. Imeko efanayo kunye nekhadi lesikweletu iya kubangela ngaphantsi kwesigamu semirhumo, nokuba ngaba uphelile ngamacala athile.
Ingxelo ka-2006 yiZiko leMboleko ejongene nokuhlawulwa ibonisa ukuba umntu ohlawula i-payday oqhelekileyo usuphelela ukuhlawula imali engama-$ 793 ngenzala kwimali-mboleko ye-$ 325. Lo mboleko akayi kuhlawulisa imali ehlawulwa phambili. Endaweni yoko, umboleki uhlawula loo mali ngelixesha elide ngokuqhubela phambili ngemali mboleko.
Ababoleki bavame ukufumana iimali-mboleko zentsuku zokuhlawula imihla yokuhlawula imali yokuhlawula imali kunye nokugqibela ekuhlawuleni amawaka eedola kwizinto eziqaliswe njengama-dollar ambalwa eetyala.
Ukumisela kwabampofu kunye neMpi
Ngokugqithiseleyo, amanani abonisa ukuba iinkampani zemboleko zemali yokuhlawula iinjongo zenzelwe ukuxhamla abathengi abahluphekileyo. Ngeke ufumane iindawo zokuthengisa iimali-mboleko kwi-middle-class edolobheni, apho ababolekayo banakho ukuhlawula imali mboleko. Endaweni yoko, uya kubafumana kwiindawo ezihluphekileyo kunye nabahlali abamnyama be sixeko kunye nemisiseko yomkhosi. Ngokomzekelo, ukukhangela kweMaphu ye-Yahoo kubangele ukuhamba kwangaphambili kweemali ezili-12 kunye neentlawulo zemali-mboleko ye-payday ngaphakathi kweekhilomitha ezili-5 ze-Fort Knox, eKentucky, isithuba sezempi sase-US.
Eminye imiba yeMali yeMali
Ngeke kulungile ukugxotha ngokupheleleyo iimali mboleko zemali ngaphandle kokubonelela ezinye iindlela.
- Imboleko encinci kwi-bhanki yakho okanye kwimanyano yemboleko
- Ukunyuka kwekheshi ukusuka kwikhadi lakho lesikredithi (ukuthenga ngeenxa yokufumana amaxabiso angcono kunye nemirhumo)
- Imboleko encinane kumalungu entsapho okanye kumhlobo
- Ukuhlawulwa kwangaphambili ukusuka kumqeshi wakho
- Isicwangciso sokuhlawula ubunzima kubathengi bakho
- Ukunika iingcebiso ngekhredithi
- Iiprogram zobunzima eziphuthumayo (ngokuqhelekileyo zinikezelwa ngurhulumente wakho, isebe, okanye isebe loluntu loluntu)