Markii ugu dambeysay ee la cusbooneysiiyay Noofambar 29, 2020
Waa kuwee bangiga ugu fiican ee lagu qaato amaahda shakhsi ahaaneed ee Oklahoma - Haddii aad ku nooshahay Oklahoma oo aad u baahan tahay deyn shakhsi ah, halkan waxaa ah qaar ka mid ah bangiyada iyo amaah-bixiyeyaasha ugu fiican ee aad isticmaali karto si aad u hesho deynta shakhsi ahaaneed ee ugu fiican Oklahoma. Laakin inta aynaan sii socon, aynu si buuxda u fahano fikradda “amaahda shakhsi ahaaneed” iyo sababaha loo helo deyn shaqsiyeed.
Table of Contents
Waa Maxay Amaah Shakhsiyeed?
Amaahda shakhsi ahaaneed waa lacag aad ka soo amaahato bangi, ururka deymaha, ama dayn bixiye online ah oo aad dib ugu soo celiso lacag-bixinno go'an oo bil kasta ah ama qaybo-qayb, badiyaa ka badan laba ilaa toddoba sano. Heerarka amaahiyahu way kala duwanaan karaan 6% ilaa 36% APR
Amaahda shakhsi ahaaneed, waxaad ka amaahan kartaa lacag si aad u daboosho kharashka hagaajinta guriga, iska bixi biilasha caafimaadka ama aad u xoojiso deynta dulsaarka sare leh. Xaalado badan, waxaa suurtogal ah in lagu helo deyn shakhsi ah oo ku saabsan wax kasta oo aad rabto.
Noocyada Amaahda Shakhsi ahaaneed?
Asal ahaan waxaa jira laba nooc oo waaweyn oo amaahda shakhsi ahaaneed:
1. Amaahda Shakhsiyeed ee sugan
Amaahda shakhsi ahaaneed ee noocaan ah waxay u baahan tahay nooc dammaanad ah. Haddii aad deyn ka hesho bangigaaga, waxaa laga yaabaa inaad ku qasbanaato inaad ku riddo qaddar cayiman CD dammaanad ahaan si aad u hubiso deynta. Ama, waxaa laga yaabaa inaad baabuurkaaga ama hanti kale ku xafidato deyn gaar ah. Haddii aadan lacag bixin, deyn bixiyuhu wuxuu qaadan karaa dammaanaddaada si uu u dhaafo waxa lagugu leeyahay.
2. Amaahda Shaqsiyeed ee Aan Sugnayn
Mid ka mid ah faa'iidooyinka ugu weyn ee helitaanka deyn shakhsi ah oo aan la hubin waa inaadan khatar gelin hanti. Haddii aadan bixin karin, deyn bixiyuhu wuxuu heystaa fursad yar oo ka baxsan inuu u diro akoonkaaga ururinta ama ku dacweeyo inuu isku dayo inuu ururiyo waxa lagugu leeyahay. Ma aadan ku xidhin deynta hanti, markaa waxaa jirta khatar yar oo adiga kugu saabsan.
Si kastaba ha ahaatee, sababtan awgeed, amaah-bixiyeyaashu waxay go'aansan karaan inay ku dallacaan dulsaar sare ama waxay u baahan yihiin dhibco credit ka fiican. Kaliya xasuusnoow, marka aad seegto lacag bixinta, waxaa lagu wargeliyaa xafiiska deymaha waxayna sababi kartaa in buundada deyntaadu ay yaraato.
Si kastaba ha ahaatee, waxaa jira amaah-bixiyeyaal badan oo raba inay ku bixiyaan deyn shakhsi ah oo aan la hubin oo qiimo macquul ah. Si taxaddar leh uga fiirso nooca ugu habboon ee ku habboon baahiyahaaga.
Faa'iidooyinka Helitaanka Amaah Shakhsiyeed?
Waxaa jira dhowr faa'iidooyin deyn shakhsi ah oo la tixgeliyo marka la go'aaminayo haddii helitaanka mid uu yahay habka saxda ah ee adiga kugu habboon. Dabacsanaantu waa mid ka mid ah faa'iidooyinka waaweyn ee helitaanka deyn shakhsiyeed, laakiin waxaa jira faa'iidooyin kale sidoo kale.
1. Amaahda shakhsi ahaaneed waxaa loo isticmaali karaa ujeedooyin badan.
Markaad hesho deyn shakhsi ah, waxaa loo isticmaali karaa ku dhawaad kharash kasta oo shakhsi ah. Waxaa jira dhowr waxyaalood oo ka reeban, laakiin, inta badan, waxaad u isticmaali kartaa lacagta sida aad rabto. Qaar ka mid ah siyaabaha aad u isticmaali karto deymaha shakhsi ahaaneed waxaa ka mid ah, xoojinta deynta, kharashyada lama filaanka ah, iibsashada weyn, bixinta kharashka arooska, fasaxa, iibsiga baabuur, iwm.
2. Amaahda shakhsi ahaaneed waxay u muuqdaan inay leeyihiin heerar hoose iyo xad sare oo amaah ah.
Xaalado badan, waxaa suurtogal ah in lagu helo deyn shakhsi ah oo ka badan inta aad ka heli karto kaararka deynta. Intaa waxaa dheer, deymo shakhsiyeed oo badan ayaa yeelan kara heerar ka hooseeya heerka kaararka deynta, inkastoo tani aysan had iyo jeer ahayn kiiska.
3. Amaahda shakhsi ahaaneed waxay kaa caawin kartaa inaad horumariso dhibcahaaga deynta.
Faa'iidada kale ee helitaanka amaahda shakhsi ahaaneed waa xaqiiqda ah inay hagaajin karto dhibcahaaga deynta. Markaad wax ku bixiso wakhtigeeda oo aad bixiso lacagta buuxda ee loo baahan yahay, waxaad dhistaa taariikhda deyntaada.
4. Amaahda shakhsi ahaaneed waxay raacaan jadwalka lacag bixinta ee la saadaalin karo.
Jadwalka lacag-bixinta ee go'an ee ay bixiso deymaha shakhsi ahaaneed ayaa kuu ogolaanaya inaad si sax ah u aragto marka aad dhammayso bixinta deyntaada, waxayna sidoo kale kuu ogolaaneysaa inaad aragto inta ay le'eg tahay ribada aad bixin doonto.
Waa kuwee Bangiga ugu Wanaagsan ee lagu qaato Amaahda Shakhsi ahaaneed Oklahoma?
Bangiyada ugu fiican ee loogu talagalay amaahda shakhsiga ah way kala duwan yihiin iyadoo ku xiran baahidaada, laakiin qaar badan ayaa bixiya heshiisyo tartan ah oo loogu talagalay noocyo kala duwan oo deyn ah oo suurtagal ah. Kuwa ugu fiican ayaa bixin doona qiime boqolkiiba sanadeedka hooseeya, shuruudaha dib-u-bixinta dheer, iyo wax yar oo lacag la'aan ah. Dabcan, baahiyahaaga shakhsi ahaaneed iyo astaanta maaliyadeed ayaa sidoo kale saameyn doona nooca amaah-bixiye ee aad u aragto mid ku habboon. Haddii aad ku nooshahay Oklahoma, USA oo aad u baahan tahay deyn shakhsi ah, kuwani waa qaar ka mid ah amaah-bixiyeyaasha ugu fiican ee aad isticmaali karto.
| Dayn | Ugu fiican | Heerka APR | Inta ugu yar ee amaahda | Inta ugu badan ee deynta | Shuruudaha | Dhibcaha Lagu Taliyay |
| Wells Fargo | Bankiga Weyn ee ugu Wanaagsan | 5.74%-24.49% oo leh qiimo dhimis xiriirka | $3,000 | $100,000 | 12 – 84 bilood | 620 + |
| LightStream | Ugu Fiican Amaah Hagaajinta Guriga | 3.99%-16.49% oo leh lacag-bixin toos ah | $5,000 | $100,000 | 24 – 144 bilood | 680 + |
| Marcus waxaa qoray Goldman Sachs | Ugu Fiican Amaah Isku-Darka Deynta | 6.99% –19.99% | $3,500 | $40,000 | 36 – 72 bilood | 660 + |
| Bankiga TD | Waxa ugu fiican saxiixayaasha | 6.99% –18.99% | $2,000 | $50,000 | 12 – 60 bilood | 660 + |
| American Express | Waxa ugu Fiican Xubnaha Kaadhka American Express | 5.91% –19.98% | $3,500 | $40,000 | 12 – 36 bilood | 670 + |
| USAA | Ugu Wanaagsan Xubnaha Ciidamada | 7.24% –17.65% | $2,500 | $5,000 | 12 – 84 bilood | 600 + |
| Citybank | Abaalmarinta Xiriirka ugu Fiican | 7.99%-23.99% oo leh lacag-bixin toos ah | $2,000 | $30,000 | 36 – 60 bilood | 670 + |
| Baro | Waxa ugu Fiican ee Lacag-bixinta Degdega ah | 6.99% –24.99% | $2,500 | $35,000 | 36 – 84 bilood | 670 + |
Sida Loo Helo Amaah Shakhsiyeed Oklahoma?
Codsashada deynta shakhsi ahaaneed waa hab toos ah oo toos ah, amaah-bixiyeyaal badan ayaa hadda kuu oggolaanaya inaad internetka ka dalbato, markaa waxaad awoodi kartaa (oo waa inaad) ka hubiso ilo badan si aad isugu daydo inaad wax uga iibsato heerka ugu fiican ee dulsaarka iyo khidmadaha. Codsi kasta, waxaad u baahan doontaa inaad muujiso inta aad rabto inaad amaahato, waxaadna u baahan doontaa inaad soo gudbiso macluumaadka ku saabsan dakhligaaga, shaqada iyo, inta badan, deynta kaa maqan iyo kharashyada bilaha ah.
Inta badan deymaha waxay hubin doonaan dhibcahaaga deynta iyo warbixinnada deynta sida qayb ka mid ah go'aanadooda amaahda, markaa ilaa aad ku jirto xaalad degdeg ah mooyaane, waxay macno samaynaysaa inaad dib u eegto warbixintaada deynta iyo buundooyinkaaga si aad fikrad u yeelan doonto waxa ay deymiyayaashu arkaan markaad eegto codsi.
Sida ku dhawaad dhammaan noocyada deymaha gaarka ah, amaah bixiyayaasha shakhsi ahaaneed waxay u hayaan dulsaarka ugu hooseeya dadka leh buundooyinka kredit aad u fiican. Haddii credit-kaagu uu yahay mid cadaalad ah si wanaagsan, helitaanka deynta shakhsi ahaaneed ee heerka hoose waxay noqon kartaa caqabad, iyo haddii deyntaadu ay ku taal dhammaadka hoose ee spectrum, waxaa laga yaabaa inaad u baahato inaad waqti qaadato si aad u dhisto buundooyinka creditka ka hor inta aadan u qalmin. deyn shakhsi ah.
In Gabagabo
Kahor intaadan go'aansan inaad deyn shakhsi ah ka qaadato bangiga, hubi inaad marka hore sahamiso dhammaan xulashooyinkaaga, oo ay ku jiraan waxyaabo kale. Iyada oo ku xidhan baahidaada iyo sida ugu dhakhsaha badan ee aad ugu baahan tahay lacagta, waxa laga yaabaa in aad ogaato in bangiyada ama bixiyeyaasha qaarkood ay ka saaxiibtinimo badan yihiin kuwa kale. Haddii ay ku qaadato maalmo ama toddobaadyo inaad codsato deyn oo aad lacag hesho, kuma caawin doonto xaalad u baahan xal degdeg ah.
Waxaan rajeyneynaa inaad macluumaadkaan u aragto mid waxtar leh.