Igqityelwe ukuvuselelwa ngoNovemba 29, 2020
Yeyiphi eyona bhanki ilungileyo yokuthatha imali mboleko e-Oklahoma-Ukuba uhlala e-Oklahoma kwaye ufuna imali mboleko yobuqu, nazi ezinye zezona bhanki zibalaseleyo kunye nababolekisi onokuthi ubasebenzise ukufumana eyona mali mboleko yobuqu e-Oklahoma. Kodwa phambi kokuba siqhubele phambili, masiwuqonde ngokupheleleyo umba “wemali-mboleko yobuqu” kunye neenjongo zokufumana imali-mboleko.
Isiqulatho
Yintoni imali mboleko yobuqu?
Imali-mboleko yobuqu yimali oyiboleka ebhankini, kwimanyano yetyala, okanye umbolekisi we-intanethi oyibuyisela kwiintlawulo ezimiselweyo zenyanga okanye ngezavenge, ngokwesiqhelo kwiminyaka emibini ukuya kwesixhenxe. Amazinga oMboleki anokwahluka ukusuka kwi-6% ukuya kwi-36% ye-APR (Ixabiso lepesenti yoNyaka).
Ngemali-mboleko yobuqu, unokuboleka imali yokuhlawula iindleko zokuphucula ikhaya, ukuhlawula amatyala ezonyango okanye ukudibanisa amatyala anenzala ephezulu. Kwiimeko ezininzi, kuyenzeka ukuba ufumane imali-mboleko yobuqu malunga nayo nantoni na oyifunayo.
Iindidi zeeMali-mboleko zoMntu?
Kukho iintlobo ezimbini eziphambili zeemali-mboleko zomntu:
1. IiMali-mboleko zoMntu eziKhuselekileyo
Olu hlobo lwemali mboleko yomntu lufuna uhlobo oluthile lwesibambiso. Ukuba ufumana imali-mboleko kwibhanki yakho, kungafuneka ufake isixa esithile kwi-CD njengesibambiso ukuze ufumane imali-mboleko. Okanye, unokukhusela imali mboleko yakho ngemoto yakho okanye enye i-asethi. Ukuba awuhlawuli, umbolekisi unokuthatha isibambiso sakho ukuze ahlawule oko utyala kona.
2. Iimali-mboleko zoMntu ezingaKhusekanga
Olona ncedo lukhulu lokufumana imali-mboleko yobuqu engakhuselekanga kukuba awubeki emngciphekweni we-asethi. Ukuba awukwazi ukuhlawula, umbolekisi unendlela encinci yokunceda ngaphandle kokuthumela iakhawunti yakho kwingqokelela okanye ukumangalela ukuba uzame ukuqokelela oko akutyalayo. Awulibophelelanga ityala kwi-asethi, ngoko ke kukho umngcipheko omncinci kuwe.
Nangona kunjalo, ngenxa yoku, ababolekisi banokuthatha isigqibo sokubiza inzala ephezulu okanye bafune amanqaku angcono etyala. Khumbula nje, xa uphoswa ziintlawulo, kuxelwa kwiziko lamatyala kwaye kunokubangela ukuba amanqaku akho ekhredithi ehle.
Nangona kunjalo, baninzi ababolekisi abazimisele ukubonelela ngeemali-mboleko zobuqu ezingakhuselekanga ngamaxabiso afanelekileyo. Cinga ngononophelo ukuba loluphi uhlobo olunokuthi lufanelekele iimfuno zakho.
Iingenelo zokuFumana imali-mboleko?
Zininzi izibonelelo zemali-mboleko yobuqu ekufuneka uziqwalasele xa usenza isigqibo sokuba ingaba yindlela efanelekileyo na kuwe. Ukuba bhetyebhetye yenye yeenzuzo ezinkulu zokufumana imali-mboleko, kodwa zikho nezinye izibonelelo ngokunjalo.
1. Iimali-mboleko zomntu zingasetyenziselwa iinjongo ezininzi.
Xa ufumana imali-mboleko yobuqu, ingasetyenziselwa phantse naziphi na iindleko zobuqu. Kukho izinto ezimbalwa, kodwa, ubukhulu becala, ungasebenzisa imali ngendlela ofuna ngayo. Ezinye zeendlela onokuzisebenzisa ngazo iimali-mboleko zobuqu ziquka, Ukudityaniswa kwetyala, iindleko ezingalindelekanga, ukuthenga okukhulu, ukuhlawulela umtshato, ukuya ekhefini, ukuthenga imoto, njl.
2. Iimali-mboleko zomntu zikholisa ukuba namazinga aphantsi kunye nemida ephezulu yokuboleka.
Kwiimeko ezininzi, kuyenzeka ukuba ufumane imali-mboleko yobuqu ngesixa esikhulu kunokuba unokufumaneka kumakhadi akho etyala. Ukongezelela, iimali-mboleko ezininzi zobuqu zinokuba namaxabiso angaphantsi kwamaxabiso ekhadi lokuthenga ngetyala, nangona oku akusoloko kunjalo.
3. Imali mboleko yobuqu inokunceda ekuphuculeni amanqaku akho etyala.
Olunye uncedo lokufumana imali-mboleko yobuqu kukuba inokuphucula amanqaku akho etyala. Xa usenza iintlawulo zakho ngexesha kwaye uhlawule yonke imali efunekayo, uyakha imbali yakho yetyala.
4. Iimali-mboleko zomntu zilandela ishedyuli yentlawulo eqikelelweyo.
Ishedyuli emiselweyo yentlawulo enikezelwa yimali-mboleko yobuqu inokukuvumela ukuba ubone ngokuthe ngqo ukuba uya kugqiba nini ukuhlawula ityala lakho, kwaye ikuvumela ukuba ubone ukuba ingakanani inzala oya kuyihlawula.
Yeyiphi eyona Bhanki ilungileyo yokuThatha iimali-mboleko zobuqu Oklahoma?
Iibhanki ezingcono kakhulu mboleko mboleko ziyahluka ngokuxhomekeke kwiimfuno zakho, kodwa ezininzi zibonelela ngezivumelwano ezikhuphisanayo kwiintlobo ngeentlobo zabanokuba ngababoleki. Eyona nto ingcono iya kunika ipesenti yepesenti ephantsi yonyaka, imigaqo yokubuyisela ixesha elide, kunye neentlawulo ezincinci. Kwaye kunjalo, iimfuno zakho zobuqu kunye neprofayile yezemali nazo ziyakuchaphazela uhlobo lombolekisi omfumana elungile. Ukuba uhlala e-Oklahoma, e-USA kwaye ufuna imali-mboleko yobuqu, ezi zezinye zezona zibolekisa ngemali onokuzisebenzisa.
| Isithandwa | Eyona ilungiselelwe | Uluhlu lweAPR | Ubuncinci beMali-mboleko | Ubuninzi beMali-mboleko | ngokwemiqathango | Inqaku elinconyelweyo ngetyala |
| Wells Fargo | Eyona Bhanki Enkulu | 5.74% -24.49% ngesaphulelo sobudlelwane | $3,000 | $100,000 | Iinyanga ezi-12-84 | 620 + |
| UkuKhanya | Eyona nto ingcono kwiMali-mboleko yoPhuculo lweKhaya | I-3.99% -16.49% nge-autopay | $5,000 | $100,000 | Iinyanga ezi-24-144 | 680 + |
| UMarcus nguGoldman Sachs | Eyona nto ingcono kwiMali-mboleko yokuHlanganisa iTyala | 6.99% –19.99% | $3,500 | $40,000 | Iinyanga ezi-36-72 | 660 + |
| TD Bank | Eyona nto ingcono kubatyikityi | 6.99% –18.99% | $2,000 | $50,000 | Iinyanga ezi-12-60 | 660 + |
| American Express | Eyona nto ingcono kuMalungu eKhadi le-American Express | 5.91% –19.98% | $3,500 | $40,000 | Iinyanga ezi-12-36 | 670 + |
| USAA | Eyona nto ilungileyo kuMalungu oMkhosi | 7.24% –17.65% | $2,500 | $5,000 | Iinyanga ezi-12-84 | 600 + |
| Citibank | Eyona Imivuzo yobudlelwane | I-7.99% -23.99% nge-autopay | $2,000 | $30,000 | Iinyanga ezi-36-60 | 670 + |
| Discover | Eyona Ngxowa-mali ngokukhawuleza | 6.99% –24.99% | $2,500 | $35,000 | Iinyanga ezi-36-84 | 670 + |
Ulifaka njani iMali-mboleko Oklahoma?
Ukufaka isicelo semali mboleko yobuqu yinkqubo ethe tye, kwaye ababolekisi abaninzi ngoku bayakuvumela ukuba ufake isicelo kwi-intanethi, ukuze ukwazi (kwaye kufuneka) ujonge imithombo emininzi yokuzama ukuthenga awona mazinga aphezulu enzala kunye nemirhumo. Kwisicelo ngasinye, kuya kufuneka ubonise ukuba yimalini na ofuna ukuyiboleka, kwaye kuya kufuneka ungenise ulwazi malunga nomvuzo wakho, umsebenzi wakho kwaye, rhoqo, ityala lakho eliseleyo kunye neendleko zenyanga.
Uninzi lwababolekisi baya kukhangela amanqaku akho etyala kunye neengxelo zetyala njengenxalenye yezigqibo zabo zokuboleka imali, ngoko ke ngaphandle kokuba ukwimeko engxamisekileyo, kuyavakala ukuphonononga iingxelo zakho zetyala kunye namanqaku ukuze ube nombono wokuba ababolekisi babona ntoni xa ujonga yakho. isicelo.
Njengakuzo zonke iintlobo zetyala lomntu, ababolekisi-mali bomntu bagcina eyona nzala yabo iphantsi kubantu abanamanqaku abalaseleyo etyala. Ukuba ikhredithi yakho ilungile ukuya kokulungileyo, ukufumana imali mboleko yakho ngexabiso eliphantsi kunokuba ngumceli mngeni, kwaye ukuba ikhredithi yakho ikwisiphelo esisezantsi se-spectrum, unokufuna ukuthatha ixesha lokwakha amanqaku akho etyala ngaphambi kokuba uvumeleke. kwimali-mboleko yobuqu.
Ukuququmbela
Phambi kokuba uthathe isigqibo sokuthatha imali-mboleko yakho ebhankini, qiniseka ukuba kuqala uphonononge zonke iinketho zakho, kuquka ezinye iindlela. Ngokuxhomekeke kwiimfuno zakho kunye nokuba ufuna ngokukhawuleza kangakanani imali, unokufumanisa ukuba ezinye iibhanki okanye ababolekisi banobubele kunabanye. Ukuba kukuthatha iintsuku okanye iiveki ukuba ufake isicelo semali mboleko kwaye ufumane imali, akuyi kunceda kwimeko efuna isisombululo esiphuthumayo.
Siyathemba ukuba uya kulufumana olu lwazi luluncedo.