Ukuboleka Imali kwi-Club yokuboleka
Kutheni usebenzisa i-P2P Imali?
Unenketho ezininzi xa kuziwa ukuboleka.
Imali-mboleko ye-P2P yindlela enye. Zihlala zibiza kakhulu kuneziboleko ezivela kwiibhenki zetena nezitye, kwaye kwezinye iimeko, zilula ukufaneleka. Inkqubo iphinda ilula - unokwenza konke kwi-intanethi (eyona nyaniso kwiibhanki ezininzi kule mihla, kodwa ezinye zifuna iimaphepha).
Njengomthengi onobulumko, kufuneka uhlole zonke iinketho kwaye uhambe kunye neyona nto ibhetele. Qinisekisa ukuba uquka iinkonzo zamatyala zendawo ekukhangekeleni kwakho, kunye nabanye ababolekisi bebhanki be-intanethi .
Isiseko seKlabhu yeMboleko
Ukufumana mboleko: ukufumana mboleko, kuya kufuneka udale isicelo kwi-intanethi. Ukucinga ukuba unelungelo lokuboleka, umboleko wakho unokuxhaswa ngemali kwiintsuku ezimbalwa. Kwiimeko ezinqabileyo, kuthatha iiveki ezimbini kubatyalomali ukuxhaswa mboleko yakho. Ukuba awufumani izibonelelo zokuzalisa i-100% yemboleko yakho, unakho ukhetho lokuba uthathe imali-mboleko ekhethekileyo-into engcono kunento.
Iintlobo zemboleko-mboleko: iimali-mboleko zingasetyenziselwa yonke into.
Imboleko yemicimbi yezoshishino iyafumaneka, kodwa kungekhona ukuqala. Ibhizinisi lakho kufuneka lisebenze ubuncinane ubuncinane iminyaka emibini. Ukuba ufumana imali mboleko , ungasebenzisa imali yantoni na oyifunayo - kubandakanye ne-shishini lakho elincinci, unyango lwezempilo, ukuphucula ikhaya, kunye nokunye. Kukho, ke, iimeko ezimbalwa (awukwazi ukuyisebenzisa imali ngenjongo engekho mthethweni, imfundo ephakamileyo, kunye nezinye iinjongo ezinqandekileyo).
Ukufaneleka: ukufumana mboleko, kufuneka ube ubuncinane ubuneminyaka engama-18 kunye nommi wase-US, umhlali ongunaphakade, okanye kwi-visa ende. Njengoko uninzi lweemali-mboleko, uya kufuna umvuzo wokubuyiselwa kwemboleko, kwaye unokufuna ukuqinisekisa ukuba ingeniso (ngokubonelela ngamaxwebhu anjengeifom ze-W-2 okanye iirejista zerhafu, okanye iCredit Club ingabiza umqeshi wakho). Kuya kufuneka udibanise i-akhawunti yasebhanki yase-US kwiCredit yeLending yezimali. I-Club yokuboleka iya kuphinda ihlole izikolo zakho zemali . Awudingi i-credit epheleleyo, kodwa ukuboleka akubizi ngexabiso elifanelekileyo.
Ukuhlawula: Unokuboleka ukuya kuma-40,000 e-$ 000 ukuze uboleke imali kunye ne-$ 300,000 kwimali-mboleko yezoshishino. Imboleko yakho iya kuhlawulwa ngaphandle kwe-akhawunti yakho yasebhanki ehlanganisiweyo kunye neentlawulo zenyanga (ngaphandle kokuba uhlawula ngetshekhi, ebiza i-$ 7.00 ngenkokhelo, kwaye ayikho into efanelekileyo). Imali ifika ngemigangatho emithathu neminyaka emihlanu , kodwa unokuhlawula ityala lakho kusasa ngaphandle kokuhlawulwa kwentlawulo . Uvumelekile ukuba ube neengxowa-mboleko ezimbini ezigqwesileyo ngexesha (unako ukufaka isicelo semali mboleko yesibili emva kokuba wenze i-12 ngexesha-ntlawulo kwi-mboleko yakho yokuqala).
Ukubika ngetyala: iimali-mboleko zakho kunye neentlawulo zixelwe kwi-credit bureaus. Yiyo iindaba ezilungileyo ukuba uhlawula ngexesha-kunye neendaba ezimbi ukuba awukwazi ukuhlawula. Le mboleko ingakunceda ukwakha inkokhelo ukuba wenze iintlawulo zakho ngenyanga, okwenza kube lula ukufumana iimali-mboleko ezinkulu (njengemboleko yemali) kwikamva.
Ukubambisana: ngokuqhelekileyo akudingeki ukuba uthembe isibambiso ukuze ufumane imvume . Ukubolekwa kwemali engaphezulu kwama-100,000 e-$ 000, kunokufunwa. Oku kugcina inkqubo elula - kukho iphepha elincinci, kwaye wena (kunye neKlabhu yeLending) akufuneki ukujongana nokufakela nokukhupha izibilini , okanye ukwenza iziqinisekiso zakho .
Imirhumo: njengaye nawuphi na umboleko, uza kuhlawula umyinge kwisixa olibolekayo. Unokunciphisa loo ndleko ngokubuyiselwa kwemali mboleko ngokukhawuleza kunokwenzeka - ukuhlawula ngaphezu kokuncinci kuyindlela enkulu yokugcina. Uyakuhlawula imali yemvelaphi, eyi-1% ukuya ku-6% yemali yakho mboleko. Ngokomzekelo, ukuba uboleka i-$ 2,000 kwaye uhlawule umrhumo we-5% wemvelaphi, imali iya kuba yi-$ 100, kwaye uza kufumana i-$ 1,900 kwi-akhawunti yakho yasebhanki. Uninzi lwabolekayo aluyi kuba nelungelo lokufumana imali e-1% (kuphela ababolekayo abahlawula i-credit% 1%). Ezinye iimrhumo zisebenza xa uhlawula ngokukhawuleza okanye uhlawule ngetshekhi.
Ubumfihlo: awukwazi ukuba ngubani oboleka imali, kwaye ababolekisi ngabanye abayikwazi ukuba ungubani. Naluphina unxibelelwano okanye imibuzo malunga nomboleko wakho uya kuhamba ngeCredit Lending Club. I-Club yokuboleka ngokuqhelekileyo yindlela ekhuselekileyo nefanelekileyo yokuboleka, kunye nezokhuseleko oluqhelekileyo kwindawo. Njengamaxesha onke, qiniseka ukuba usezindaweni ezisemthethweni ngaphambi kokuba unikezele ngolwazi olunzulu olufana neNombolo yoKhuseleko lweNtlalo.
Izicelo ezihlangeneyo: njengale mibhalo, unokusebenza kuphela ngokwakho - awukwazi ukusebenzisa ngokubambisana okanye usebenzisa umququzeleli . Oku kuthetha ukuba kuya kufuneka ufanele ukufumana imali mboleko usebenzisa izikolo zakho zezikolo zemali, kwaye uza kuyimfuneko eyaneleyo yokubuyisela umboleko.