Nangona inkampani sele ikhona kwiindaba ezisandul 'ukuza kubathengi bamashishini, zisebenza nzima ukuba ziphinde ziphinde zithembele kubathengi kwaye ziye zavuselela inkqubo yazo yokuboleka imali.
Wells Fargo Pros
Ukufumana isaphulelo ukuba unayo i-Wells Fargo ukujonga iakhawunti kwaye ukugcina iintlawulo zenzaka-ntlawulo kuphela nje isiqalo esiza kuzuza:
- Izigqibo zesikrato ngokukhawuleza kunye nenkxaso-mali yosuku olufanayo
- Iirhafu ezingcono kunokuba ufumaneke kumthengisi
- Inketho yokuthetha neengcali zemboleko ze-Wells Fargo
- Imali ayiyidingi ukuhlawula
- Izaphulelo zomkhosi
- Umrhumo wakho wokuqalisa umboleko ufakwa kwiintlawulo zakho zenyanga kunokuhlawulwa kwangaphambili.
- Imali yokuboleka ivela kwi $ 5,000 ukuya kwii-100,000 zamawaka
Wells Fargo Cons
Njengaye nawuphi na umboleki, kukho ezinye izinto u-Wells Fargo angenza ngcono kangcono:
- Iimali-mboleko ezizenzekelayo zifumaneka kuphela kwiinyanga ezingama-72, ngoko ke ukuba ufuna i-mboleko emide, kufuneka ukhangele kwenye indawo.
- Imbali yeendlela ezinzima kakhulu zemali, ngokukodwa kulabo abahlawula iimali-mboleko zabo kwangaphambili ... kunye nokuhlawula abathengi ngaphandle kolwazi lwabo. Yikes!
- Ukuba uhlala eLouisana, ungekho inhlanhla: I-Wells Fargo ayinayo imali mboleko apho.
- Akukho ukuvunywa kwangaphambili. Unokufaka isicelo semboleko kuphela kwisithuthi osukhe ukhethile.
Yintoni oya kuyidinga ukuyifaka isicelo seMboleko kwi-Wells Fargo
Uya kufuneka ube neikopi zamaphepha eemali alandelayo ukuze ufake isicelo:
- Inombolo yokhuseleko lasekuhlaleni
- idilesi zokuhlala zangaphambili kunye zangoku
- isitatimenti esichaza irenti yakho okanye iintlawulo zempahla yakho yokuhlala okanye ikhaya lakho
- imbali yengqesho kunye nemeko yengqesho yangoku
- ubungqina bemali engenayo
Kuya kufuneka ukuba ube nesithuthi esikhethiweyo ngaphambi kokuba ufake isicelo semboleko. Uya kufuneka ukubonelela:
- I-VIN yesithuthi, unyaka, yenza, imodeli kunye nemizila.
Ukuba uhlawulela imali yakho mboleko, uya kufuneka kwakhona ubungqina bomshuwalense wemoto.
Inqaku ngo-APR
Iipesenti zepesenti zonyaka ezidweliswe ngezantsi ziza kuhlawuleka-kwaye zicinga ukuba unetyala elihle kakhulu kunye nenani elibolekileyo lemali-mboleko engekho ngaphantsi kwama-85 ekhulwini kwiindleko zezithuthi kunye nangaphezulu kwama-22,000.
Ngokucacileyo, iirhafu nazo zicinga ukuba unayo i-Wells Fargo ukujonga iakhawunti ukuba uza kuhlawula rhoqo. Ukuba awukwazi, ungongeza kwii-0.25 zeepesenti kulezi zerhafu ukusuka ekuhambeni.
Ukuba unomyinge opheleleyo wekhredithi , uya kuhlawulwa into efana nale mivuzo. Umgca wakho wezantsi, nangona kunjalo unako ukulindela ukuhlawula inzala.
Iintlobo zeMveliso yeMali-mboleko
Ukuxhaswa kwemali entsha yeNqwelo-mali: Le mveliso ikhona kulabo abathengayo imoto entsha ngokuthe ngqo kumthengisi.
Ukuqala ngo-APR: 3.88 pesenti
Ukuxhaswa kweMali yokuThengwa kweMoto: Olu hlobo lwemali-mboleko lufumaneka kubini abaceba ukuthenga imoto esetyenziswayo kumthengisi kunye nabo bathengayo kumthengisi wabucala.
Ukuqala ngo-APR: 4.14 ekhulwini kulabo bathengayo kumthengisi; 6.84 ekhulwini kulabo bathengayo kumthengisi wabucala.
Ukuqeshisa ukuthengwa kwemali: Ukuba uqeshisa imoto kwaye unqume ukuba ufuna ukuwugcina ekupheleni kwexesha lakho lokuqeshisa, mhlawumbi uya kufuna imboleko ukuze wenze njalo.
Ukuqala ngo-APR: 4.34 ipesenti
Imali yeNgxowa-mali yokuhlaziya
Ukuba unemali-mboleko yemoto kodwa unganelisekanga ngezinga lakho, i-Wells Fargo inokuba yinto efanelekileyo.
Ukuqala ngo-APR: 4.62 ekhulwini
Umxholo ophantsi: Ukuba unetyala elipheleleyo kunye ne-Wells Fargo ukujonga iakhawunti, kufuneka uqwalasele le mveliso ukuba uthengisa imoto entsha esithengisa ngaphezu kwama-26,000. Kodwa ukuba uthengisa imoto engabizi, isithuthi esisetyenzisiweyo, okanye unesitokethi esingaphantsi kwe-stellar , qhubeka uqaphele, kwaye emva kokuba usebenzise ngaphambili.
Kwakhona kubalulekile ukukhumbula ukuba kuya kufuneka ukwazi ukuba isiphi imoto oyifunayo ngaphambi kokuba ufake isicelo semboleko, kuba ngokungafani nababoleki abaninzi, i-Wells Fargo ayikuvumeli ukuba uphumelele.