Idasinthidwa Komaliza pa Novembala 29, 2020
Ndi banki yabwino kwambiri yomwe mungatengere ngongole zanu ku Oklahoma - Ngati mumakhala ku Oklahoma ndipo mukufuna ngongole yanu, nawa ena mwa mabanki abwino kwambiri ndi obwereketsa omwe mungagwiritse ntchito kuti mupeze ngongole zabwino kwambiri ku Oklahoma. Koma tisanapitirire, tiyeni timvetsetse bwino tanthauzo la “ngongole yaumwini” ndi zolinga zopezera ngongole.
M'ndandanda wazopezekamo
Kodi Ngongole Yanu Ndi Chiyani?
Ngongole yaumwini ndi ndalama zomwe mumabwereka kubanki, mgwirizano wa ngongole, kapena wobwereketsa pa intaneti zomwe mumalipira pamwezi kapena pang'onopang'ono, nthawi zambiri pazaka ziwiri mpaka zisanu ndi ziwiri. Mitengo yobwereketsa imatha kusiyana kuchokera pa 6% mpaka 36% APR (Annual Percentage Rate).
Ndi ngongole yaumwini, mukhoza kubwereka ndalama kuti mulipire mtengo wokonzanso nyumba, kulipira ngongole zachipatala kapena kuphatikiza ngongole ya chiwongoladzanja chachikulu. Nthawi zambiri, ndizotheka kupeza ngongole pa chilichonse chomwe mukufuna.
Mitundu Ya Ngongole Zaumwini?
Pali mitundu iwiri ikuluikulu ya ngongole zaumwini:
1. Ngongole Zaumwini Zotetezedwa
Ngongole yamtundu uwu imafunikira chikole chamtundu wina. Mukalandira ngongole kubanki yanu, mungafunike kuyika ndalama zina mu CD ngati chikole kuti muteteze ngongoleyo. Kapena, mutha kupeza ngongole yanu ndi galimoto yanu kapena katundu wina. Ngati simukulipira, wobwereketsa akhoza kutenga ngongole yanu kuti athetse zomwe muli nazo.
2. Ngongole Zaumwini Zopanda Chitetezo
Ubwino wina waukulu wopeza ngongole yopanda chitetezo ndikuti simuyika pachiwopsezo chuma. Ngati simungathe kulipira, wobwereketsayo sangachitire mwina kuposa kutumiza akaunti yanu ku zosonkhetsa kapena kukusumirani kuti mutenge zomwe ali nazo. Simunamangirire ngongole ku katundu, kotero pali chiopsezo chochepa kwa inu.
Komabe, chifukwa cha izi, obwereketsa angasankhe kubweza chiwongoladzanja chokwera kapena kufuna chiwongola dzanja chabwinoko. Ingokumbukirani, mukaphonya malipiro, amauzidwa ku ofesi ya ngongole ndipo angapangitse kuti ngongole yanu ichepe.
Komabe, pali obwereketsa ambiri omwe ali okonzeka kupereka ngongole zopanda chitetezo pamitengo yoyenera. Ganizirani mozama kuti ndi mtundu uti womwe ungagwirizane ndi zosowa zanu.
Ubwino Wopeza Ngongole Yaumwini?
Pali zopindulitsa zingapo zangongole zaumwini zomwe muyenera kuziganizira posankha ngati kupeza imodzi ndi njira yoyenera kwa inu. Kusinthasintha ndi chimodzi mwazinthu zabwino zopezera ngongole, koma palinso zabwino zina.
1. Ngongole zaumwini zitha kugwiritsidwa ntchito pazinthu zingapo.
Mukalandira ngongole yanu, ikhoza kugwiritsidwa ntchito pafupifupi ndalama zilizonse zaumwini. Pali zochepa zochepa, koma, makamaka, mungagwiritse ntchito ndalama momwe mukufunira. Zina mwa njira zomwe mungagwiritsire ntchito ngongole zanu ndi monga, Kuphatikiza ngongole, ndalama zosayembekezereka, kugula kwakukulu, kulipira ukwati, kupita kutchuthi, kugula galimoto, ndi zina zotero.
2. Ngongole zaumwini zimakonda kukhala ndi mitengo yotsika komanso malire obwereka apamwamba.
Nthawi zambiri, ndizotheka kupeza ngongole yaumwini pamtengo wokulirapo kuposa womwe mungakhale nawo pamakhadi anu angongole. Kuphatikiza apo, ngongole zambiri zaumwini zimatha kukhala ndi mitengo yotsika poyerekeza ndi mitengo ya kirediti kadi, ngakhale sizili choncho nthawi zonse.
3. Ngongole yanu imatha kukuthandizani kuti muwongolere ngongole zanu.
Phindu lina lopeza ngongole yaumwini ndi yakuti ikhoza kupititsa patsogolo ngongole yanu. Mukamalipira nthawi yake ndikulipira ndalama zonse zomwe mukufunikira, mumapanga mbiri yanu yangongole.
4. Ngongole zaumwini zimatsata ndondomeko yolipira yodziwikiratu.
Ndondomeko yolipira yoperekedwa ndi ngongole zaumwini ikhoza kukulolani kuti muwone nthawi yomwe mudzathe kulipira ngongole yanu, komanso imakupatsani mwayi wowona ndendende kuchuluka kwa chiwongoladzanja chomwe mudzalipira.
Ndi Banki Yabwino Kwambiri Kutengera Ngongole Zaumwini Oklahoma?
Mabanki abwino kwambiri ngongole zanu zimasiyanasiyana malinga ndi zosowa zanu, koma ambiri amapereka mpikisano wopikisana nawo osiyanasiyana omwe angakhale obwereka. Zabwino kwambiri zidzapereka chiwongola dzanja chochepa pachaka, kubweza nthawi yayitali, komanso ndalama zochepa. Ndipo zowonadi, zosowa zanu komanso mbiri yanu yazachuma zikhudzanso mtundu wa wobwereketsa womwe mumapeza kuti ndi wabwino. Ngati mumakhala ku Oklahoma, USA ndipo mukufuna ngongole yanu, awa ndi ena mwa obwereketsa abwino omwe mungagwiritse ntchito.
| Okonda | Zabwino Kwambiri | Mtundu wa APR | Ndalama Zochepa Zobwereketsa | Ngongole Yochuluka | Terms | Malingaliro Othandizidwa Pangongole |
| Wells Fargo | Banki Yabwino Kwambiri | 5.74% -24.49% ndi kuchotsera ubale | $3,000 | $100,000 | Miyezi 12-84 | 620 + |
| Pawaw | Yabwino Kwambiri Ngongole Zowongolera Nyumba | 3.99% -16.49% ndi autopay | $5,000 | $100,000 | Miyezi 24-144 | 680 + |
| Marcus wolemba Goldman Sachs | Zabwino Kwambiri pa Ngongole Yophatikiza Ngongole | 6.99% –19.99% | $3,500 | $40,000 | Miyezi 36-72 | 660 + |
| TD Bank | Zabwino kwambiri kwa Osaina | 6.99% –18.99% | $2,000 | $50,000 | Miyezi 12-60 | 660 + |
| American Express | Zabwino kwambiri kwa Amembala a American Express Card | 5.91% –19.98% | $3,500 | $40,000 | Miyezi 12-36 | 670 + |
| USAA | Zabwino kwa Asitikali | 7.24% –17.65% | $2,500 | $5,000 | Miyezi 12-84 | 600 + |
| Citibank | Zabwino Kwambiri Pamapindu a Ubale | 7.99% -23.99% ndi autopay | $2,000 | $30,000 | Miyezi 36-60 | 670 + |
| Discover | Zabwino Kwambiri Zandalama Zachangu | 6.99% –24.99% | $2,500 | $35,000 | Miyezi 36-84 | 670 + |
Momwe Mungapezere Ngongole Yaumwini Oklahoma?
Kufunsira ngongole yaumwini ndi njira yolunjika, ndipo obwereketsa ambiri tsopano amakulolani kuti mulembetse pa intaneti, kotero mutha (ndipo muyenera) kuyang'ana ndi magwero angapo kuyesa kugula chiwongola dzanja ndi chindapusa. Pa fomu iliyonse yofunsira, muyenera kuwonetsa kuchuluka kwa ndalama zomwe mukufuna kubwereka, ndipo muyenera kupereka zambiri za ndalama zomwe mumapeza, ntchito, komanso, nthawi zambiri, ngongole zanu zomwe mwatsala ndi ndalama zomwe mumawononga pamwezi.
Ambiri obwereketsa adzayang'ana mphambu zanu zangongole ndi malipoti angongole monga gawo la zisankho zawo zobwereketsa, kotero pokhapokha ngati mukukumana ndi vuto ladzidzidzi, ndizomveka kuwunikanso malipoti anu angongole ndi zigoli zanu kuti mukhale ndi lingaliro lomwe omwe amabwereketsa amawona poyang'ana kwanu. ntchito.
Monga pafupifupi mitundu yonse ya ngongole zaumwini, obwereketsa ngongole amasungira chiwongola dzanja chotsika kwambiri kwa anthu omwe ali ndi ngongole zabwino kwambiri. Ngati ngongole yanu ili yabwino mpaka yabwino, kupeza ngongole pamtengo wotsika kungakhale kovuta, ndipo ngati ngongole yanu ili kumapeto kwenikweni, mungafunike kutenga nthawi kuti mupange ngongole zanu musanayenerere. kwa ngongole yaumwini.
Pomaliza
Musanasankhe kutenga ngongole kubanki, onetsetsani kuti mwafufuza zonse zomwe mungasankhe, kuphatikiza zina. Kutengera ndi zosowa zanu komanso momwe mumafunira ndalama mwachangu, mutha kupeza kuti mabanki ena kapena obwereketsa ndi ochezeka kuposa ena. Ngati zingakutengereni masiku kapena masabata kuti mupemphe ngongole ndikupeza ndalama, sizingathandize pazochitika zomwe zimafuna yankho lachangu.
Tikukhulupirira kuti nkhaniyi ndi yothandiza.