Kugcine ukubuyekezwa ngoNovemba 29, 2020
Iliphi ibhange elingcono kakhulu lokuthatha imalimboleko yomuntu siqu e-Oklahoma - Uma uhlala e-Oklahoma futhi udinga imali mboleko yomuntu siqu, nanka amanye amabhange ahamba phambili nababolekisi ongawasebenzisa ukuze uthole imali mboleko yomuntu siqu engcono kakhulu e-Oklahoma. Kodwa ngaphambi kokuba siqhubekele phambili, ake siqonde ngokugcwele umqondo “wemalimboleko yomuntu siqu” kanye nezisusa zokuthola imali ebolekiwe yomuntu siqu.
Okuqukethwe
Iyini Imalimboleko Yomuntu Siqu?
Isikweletu somuntu siqu yimali oyiboleka ebhange, inyunyana yezikweletu, noma umbolekisi we-inthanethi oyibuyisela ngezinkokhelo zenyanga ezingaguquki noma ngezitolimende, ngokuvamile phakathi kweminyaka emibili kuya kweyisikhombisa. Izilinganiso zababolekisi zingahluka ukusuka ku-6% ukuya ku-36% APR (Isilinganiso Sephesenti Lonyaka).
Ngemalimboleko yomuntu siqu, ungakwazi ukuboleka imali ukuze ukhokhele izindleko zokuthuthukiswa kwekhaya, ukhokhe izikweletu zezokwelapha noma uhlanganise izikweletu ezinenzalo ephezulu. Ezimweni eziningi, kuyenzeka ukuthi uthole imali mboleko yakho cishe nganoma yini oyifunayo.
Izinhlobo Zemalimboleko Yomuntu Siqu?
Kunezinhlobo ezimbili eziyinhloko zemalimboleko yomuntu siqu:
1. Imalimboleko yomuntu siqu evikelekile
Lolu hlobo lwemalimboleko yomuntu siqu ludinga uhlobo oluthile lwesibambiso. Uma uthola imali ebolekiwe ebhange lakho, kungase kudingeke ukuthi ufake inani elithile ku-CD njengesibambiso ukuze uthole imali ebolekiwe. Noma, ungase uvikele imali mboleko yomuntu siqu ngemoto yakho noma enye impahla. Uma ungenzi izinkokhelo, umbolekisi angathatha isibambiso sakho ukuze aqedele lokho okukweletayo.
2. Imali Ebolekiwe Yomuntu Siqu Engavikelekile
Enye yezinzuzo ezinkulu zokuthola imalimboleko yomuntu siqu engavikelekile ukuthi awufaki engcupheni impahla. Uma ungakwazi ukukhokha, umbolekisi unendlela encane yokwenza ngaphandle kokuthumela i-akhawunti yakho kumaqoqo noma ukukumangalela ngokuthi uzame ukuqoqa lokho akukweletayo. Awukabophele isikweletu empahleni, ngakho-ke kunengozi encane kuwe.
Nokho, ngenxa yalokhu, ababolekisi bangase banqume ukukhokhisa inzalo ephakeme noma badinge amaphuzu angcono esikweletu. Khumbula nje, uma ugeja izinkokhelo, kubikwa kwabe-credit bureau futhi kungabangela ukuthi isikolo sakho sesikweletu sehle.
Kodwa-ke, kunababolekisi abaningi abazimisele ukuhlinzeka ngemalimboleko yomuntu siqu engavikelekile ngamanani afanelekile. Cabangela ngokucophelela ukuthi yiluphi uhlobo olungafanelana kangcono nezidingo zakho.
Izinzuzo Zokuthola Imalimboleko Yomuntu Siqu?
Kunezinzuzo ezimbalwa zemalimboleko yomuntu siqu okufanele uzicabangele lapho unquma ukuthi ukuthola eyodwa kuyindlela ekulungele yini. Ukuvumelana nezimo kungenye yezinzuzo ezinkulu zokuthola imali ebolekiwe, kodwa zikhona nezinye izinzuzo.
1. Imalimboleko yomuntu siqu ingasetshenziselwa izinhloso eziningi.
Uma uthola imalimboleko yomuntu siqu, ingasetshenziselwa cishe noma yiziphi izindleko zomuntu siqu. Kukhona okuhlukile okumbalwa, kodwa, ingxenye enkulu, ungasebenzisa imali ngendlela ofuna ngayo. Ezinye zezindlela ongasebenzisa ngazo imali ebolekiwe yomuntu siqu zihlanganisa, Ukuhlanganiswa kwezikweletu, izindleko ezingalindelekile, ukuthenga okukhulu, ukukhokhela umshado, ukuya eholidini, ukuthenga imoto, njll.
2. Imali mboleko yomuntu siqu ivame ukuba namazinga aphansi kanye nemikhawulo ephakeme yokuboleka.
Ezimweni eziningi, kuyenzeka ukuthi uthole imali mboleko yomuntu siqu ngenani elikhulu kunalo ongase ube nalo emakhadini akho esikweletu. Ukwengeza, izikweletu eziningi zomuntu siqu zingaba namazinga aphansi kunamanani ekhadi lesikweletu, nakuba lokhu kungenjalo ngaso sonke isikhathi.
3. Imalimboleko yomuntu siqu ingasiza ekuthuthukiseni amaphuzu akho esikweletu.
Enye inzuzo yokuthola imalimboleko yomuntu siqu iqiniso lokuthi ingathuthukisa isikolo sakho sesikweletu. Uma wenza izinkokhelo zakho ngesikhathi futhi ukhokha inani eliphelele elidingekayo, wakha umlando wakho wesikweletu.
4. Imali mboleko yomuntu siqu ilandela uhlelo lokukhokha olubikezelwayo.
Uhlelo lokukhokha olumisiwe olunikezwa yimalimboleko yomuntu siqu lungakuvumela ukuthi ubone kahle ukuthi uzoqeda nini ukukhokha isikweletu sakho, futhi likuvumela ukuthi ubone kahle ukuthi yimalini inzalo ozoyikhokha.
Iliphi Ibhange Elingcono Kakhulu Lokuthatha Imalimboleko Yomuntu Siqu Oklahoma?
Amabhange angcono kakhulu izimalimboleko zomuntu siqu ziyahlukahluka kuye ngezidingo zakho, kodwa eziningi zinikeza amadili ancintisanayo kubaboleki abahlukahlukene abangaba khona. Okungcono kakhulu kuzonikeza inani eliphansi lephesenti lonyaka, imigomo yokukhokha ende, kanye nezindleko eziphansi. Futhi-ke, izidingo zakho zomuntu siqu kanye nephrofayili yezezimali nakho kuzothinta uhlobo lombolekisi oluthola lufanelekile. Uma uhlala e-Oklahoma, e-USA futhi udinga imali mboleko yomuntu siqu, laba abanye bababolekisi abangcono kakhulu ongayisebenzisa.
| Izithandani | Okuhle kakhulu | Ibanga le-APR | Inani elincane Lemalimboleko | Inani eliphezulu Lemalimboleko | Imigomo | Amaphuzu Esikweletu anconyiwe |
| Wells Fargo | Ibhange Elihle Kakhulu | 5.74%–24.49% ngesaphulelo sobudlelwano | $3,000 | $100,000 | Izinyanga eziyi-12-84 | 620 + |
| I-LightStream | Okungcono kakhulu Ngemalimboleko Yokuthuthukisa Ikhaya | 3.99%–16.49% ngokukhokha okuzenzakalelayo | $5,000 | $100,000 | Izinyanga eziyi-24-144 | 680 + |
| UMarcus nguGoldman Sachs | Okungcono kakhulu Ngemali Ebolekiwe Yokuhlanganiswa Kwezikweletu | 6.99% –19.99% | $3,500 | $40,000 | Izinyanga eziyi-36-72 | 660 + |
| I-TD Bank | Kuhle kakhulu kwabasayinise ndawonye | 6.99% –18.99% | $2,000 | $50,000 | Izinyanga eziyi-12-60 | 660 + |
| American Express | Kuhle kakhulu kumalungu e-American Express Card | 5.91% –19.98% | $3,500 | $40,000 | Izinyanga eziyi-12-36 | 670 + |
| USAA | Kuhle kakhulu kumalungu ezempi | 7.24% –17.65% | $2,500 | $5,000 | Izinyanga eziyi-12-84 | 600 + |
| I-Citibank | Okungcono kakhulu kwemiklomelo yobudlelwano | 7.99%–23.99% ngokukhokha okuzenzakalelayo | $2,000 | $30,000 | Izinyanga eziyi-36-60 | 670 + |
| Discover | Okuhamba phambili ngoxhaso Olusheshayo | 6.99% –24.99% | $2,500 | $35,000 | Izinyanga eziyi-36-84 | 670 + |
Ungayithola Kanjani Imalimboleko Yomuntu Siqu Oklahoma?
Ukufaka isicelo semalimboleko yomuntu siqu kuyinqubo eqondile, futhi ababolekisi abaningi manje bayakuvumela ukuthi ufake isicelo ku-inthanethi, ukuze ukwazi (futhi kufanele) uhlole ngemithombo eminingi ukuze uzame ukuthenga amanani enzalo angcono kakhulu kanye nezimali ezikhokhwayo. Esicelweni ngasinye, uzodinga ukukhombisa ukuthi ufuna ukuboleka malini, futhi uzodinga ukuthi ulethe ulwazi mayelana neholo lakho, umsebenzi, futhi, ngokuvamile, isikweletu sakho esisilele kanye nezindleko zanyanga zonke.
Iningi lababolekisi izohlola amaphuzu akho esikweletu kanye nemibiko yezikweletu njengengxenye yezinqumo zabo zokuboleka imali, ngakho-ke ngaphandle uma usesimweni esiphuthumayo, kunengqondo ukubukeza imibiko yakho yezikweletu kanye nezikolo ukuze ube nombono wokuthi ababolekisi babonani lapho bebheka isikweletu sakho. isicelo.
Njengazo zonke izinhlobo zezikweletu zomuntu siqu, ababolekisi bemali mboleko yomuntu siqu bagcina amanani abo enzalo aphansi kakhulu kubantu abanezikolo ezinhle kakhulu zezikweletu. Uma isikweletu sakho silingana nokuhle, ukuthola imali ebolekiwe ngenani eliphansi kungase kube inselele, futhi uma isikweletu sakho sisezingeni eliphansi le-spectrum, kungase kudingeke uthathe isikhathi sokwakha amaphuzu akho esikweletu ngaphambi kokuba ufaneleke. okwemalimboleko yomuntu siqu.
Ekuphetheni
Ngaphambi kokuthatha isinqumo sokuthatha imali ebolekiwe ebhange, qiniseka ukuthi uqala ngokuhlola zonke izinketho zakho, okuhlanganisa nezinye. Kuye ngezidingo zakho nokuthi uyidinga ngokushesha kangakanani imali, ungathola ukuthi amanye amabhange noma ababolekisi banobungane kunabanye. Uma kukuthatha izinsuku noma amasonto ukuthi ufake isicelo sokubolekwa imali futhi uthole imali, ngeke kusize esimweni esidinga isixazululo esiphuthumayo.
Sithemba ukuthi uzothola lolu lwazi luwusizo.