Ngongole zopanda ngongole
Ngongole yopanda ngongole ya ngongole ndi mtundu wa ngongole yomwe sikutanthauza kuti mufufuze bwino za lipoti lanu la ngongole panthawi yofunsira. Izi zikutanthauza kuti mbiri yanu yobwereketsa ngongole siyofunika pakuvomerezedwa ndi ngongole. Komabe, palibe ngongole zowunika ngongole zomwe sizikutsimikizira kuvomerezedwa. Kaya mukuyenerera kapena ayi zimadalira zinthu zina, monga ndalama kapena chikole kuti mupeze ngongole.
Palibe ngongole zowunika ngongole zomwe zingamveke zosatheka, ndipo ndizo. Amakonda kukhala ngongole zolanda nyama zomwe zimakhala ndi chiwongola dzanja chachikulu kwambiri komanso chindapusa. Zambiri zimafunikiranso kuti muike chinthu chamtengo wapatali, monga chindapusa chanu chotsatira kapena mutu wamagalimoto, kuti mutenge ngongole.
Ngati muli ndi mbiri yoyipa, ndizowona kuti simungayenere kulandira ngongole zosatetezedwa. Nthawi zambiri, mufunika ngongole zochepa za 600-660. Koma pali mabanki ambiri odziwika, monga Wells Fargo ndipo PNC , zomwe zimapereka ngongole zosasungidwa mwadyera kwa anthu omwe ali ndi mbiri yoyipa kapena yabwinoko. Kapenanso, ngati mungapemphe wothandizira kusaina, mutha kugwiritsa ntchito ngongole yanu kuti mukalandire ngongole yosatetezedwa.
Pansipa mupeza zambiri zamtundu wa ngongole za ngongole zomwe zilipo, limodzi ndi mawonekedwe ake ndi zoopsa zomwe zingachitike. Muthanso kuwona njira zina zomwe zingakuthandizeni kufunsa ngongole yopanda chiopsezo komanso zinthu zabwino.
4 obwereketsa abwino kwambiri omwe samapereka ngongole za ngongole
Ngongole zanu popanda ngongole. Ngongole Zadzidzidzi Palibe Cheke Ngongole Ngati mungafune ndalama pakagwa mwadzidzidzi, mwina simungakhale ndi nthawi yopanga ngongole musanapemphe ngongole. Nazi njira zina zomwe mungaganizire ngongole.
- Earnin : Ngati mwalembedwa ntchito kapena mukulandira maubwino akusowa ntchito ndikukumana ndi zofunikira zina, Earnin atha kukhala njira yabwino kwakanthawi kochepa kuti ikuthandizireni mpaka mudzalandire ndalama. Pulogalamu ya Earnin imalimbikitsa obwereka atsopano mpaka $ 100 (ndikubwereza makasitomala mpaka $ 500). Silipiritsa chindapusa chokwanira kapena chiwongola dzanja, m'malo mwake mumapereka zomwe mukuganiza kuti ndizabwino.
- panthawi yake : Wobwereketsayu akuti mutha kukhala wopanda mbiri yapa ngongole ndipo amapereka ngongole zotetezedwa komanso zosatetezedwa. Oportun akuti iwunika ngongole yanu, koma imaganiziranso zina. Kampaniyo imalemba mbiri yakulipira kwanu kumaofesi a ngongole, chifukwa imatha kukuthandizani kuti mupange ngongole ndi zolipira zonse komanso zanthawi yake.
- Kukhazikika : Wobwereketsayo amayang'ana kwambiri popereka ngongole kwa osamukira kudziko lina komanso omwe sanasungidweko. Mutha kulembetsa ngakhale mulibe nambala yachitetezo cha anthu. Kampaniyo imati imasanthula zambiri monga momwe mumagwirira ntchito, momwe mumalandirira komanso momwe mumakhalira ndi ndalama.
- Brigit : Ngati mulibe nazo chidwi chokwanira kukhala membala mwezi uliwonse, Brigit adzakulimbikitsani mpaka $ 250. Pulogalamuyi imaperekanso zinthu ngati owonongera ndalama komanso zopitilira pokhapokha mukaneneratu kuti muli pachiwopsezo chogwiritsa ntchito kwambiri akaunti yanu ndikusowa ndalama mwachangu.
Komwe mungapeze ngongole popanda kuwunika ngongole
Pali malo angapo komwe simungapeze ngongole yapa ngongole. Amaphatikizapo omwe amapereka masiku olipira, malo ogulitsira, ogulitsa magalimoto, ndi abwenzi kapena abale. Palibe chimodzi mwazabwino.
| Wobwereketsa | Chifukwa chiyani ndizowopsa |
|---|---|
| Wobweza Patsiku | Chiwongoladzanja chachikulu kwambiri, muchepetsani ndalama zomwe mumalandira |
| Zolemba | Chiwongola dzanja chachikulu, mutha kutaya katundu wanu |
| Wobwereketsa mutu wagalimoto | Chiwongoladzanja chachikulu kwambiri, mutha kutaya galimoto yanu |
| Achibale kapena abwenzi | Zitha kupweteketsa ubale wanu ngati simukutsatira |
Wobweza Patsiku:
Ambiri obwereketsa masiku olipira amalengeza kuti alibe chiphaso chobvomerezeka. Koma obwereketsa awa ndi odyetsa modabwitsa. Amakupatsani ndalama, nthawi zambiri $ 500 kapena zochepa, kuti mubweze ndi zolipira zanu zotsatira. Muyeneranso kulipira ndalama zambiri zomwe zimakhala ngati 400% APR. Chifukwa chake sikuti mudzangokhala ndi ngongole zochulukirapo kuposa momwe zimakhalira pakulipira ndalama, koma malipiro anu otsatira adzakhala ndi gawo lalikulu. Pewani ngongole zanu zonse zivute zitani.
Malo ogulitsa:
Malo ogulitsa masitolo akhala akudziwika kwambiri posachedwa ndi chiwonetsero chachikulu cha makanema apa TV otengera izi. Mukayika kanthu kena kofunika, wobwereketsayo amakupatsani 20% mpaka 60% yamtengo wake ngati ngongole. Sitoloyo imasunga chinthucho koma sichigulitsa kwakanthawi, makamaka miyezi ingapo. Ngati mwininyumbayo abweza ngongoleyo, limodzi ndi chiwongola dzanja cha mwezi (2% mpaka 25% kapena kupitilira apo, kutengera boma), amabwezanso. Ngati sichoncho, malo ogulitsira ndalama akhoza kugulitsa.
Wobwereketsa mutu wagalimoto:
Obwereketsa awa amapereka ngongole zomwe muyenera kugwiritsa ntchito dzina lanu lagalimoto (satifiketi yomwe imakupatsani mwayi wokhala ndi galimoto) ngati chikole. Mofananamo, wobwereketsa amakulolani kubwereka pakati pa 25% ndi 50% yamtengo wapatali wamagalimoto, yomwe idzabwezeredwe masiku 15 mpaka 30 ndi chindapusa chofanana ndi 25% ya ndalama zomwe adabwereka. Ngongolezi zimachokera pa $ 100 mpaka $ 5,500, pafupifupi (nthawi zina $ 10,000 +), malinga ndi Federal Trade Commission.
Ngati simungathe kubweza ngongoleyo kwakanthawi kanthawi, wobwereketsayo akhoza kubweza mwezi wamawa. Izi zimakupatsani mwezi wina kuti mubweze, posinthana ndi chindapusa cha mwezi wina. Potsirizira pake, ngati muigubuduza kangapo, wobwereketsayo amatha kukhala ndi galimoto yanu. Pewani ngongole izi.
Ndalama zochokera kubanja / abwenzi:
wachibale kapena bwenzi alibe mwayi wowunika ngongole bwinobwino. Ndipo atha kukhala okonzeka kukupatsani ngongole ngakhale ngongole yanu ili yoyipa. Komabe, ndikofunikira kuthana ndi ngongole zotere monga mwaukadaulo monga momwe mungachitire ndi kubanki.
Zinyengo: Tsoka ilo, ena alibe ngongole zowunika ngongole ndizabodza zambiri. Mukafunsidwa kuti mupange ndalama zolipiratu musanalandire ngongole yanu, ndi mbendera yayikulu yofiira. Ngati saulula mitengo yake, ndiye mbendera yofiira. Muyenera kufufuza kampani kuti mudziwe ngati ilidi kampani yovomerezeka; Mwachitsanzo, kodi mwalembetsedwa ngati bizinesi m'boma lanu? Ndipo ngati tsamba lanu lawebusayiti lilibe https (zomwe zikutanthauza kuti ndi zotetezeka) mu URL, simudzafuna kufotokoza chilichonse chokhudza inu.
Njira zina zopanda ngongole za ngongole
Palibe ngongole zowunika ngongole zomwe zimapewa bwino chifukwa nthawi zambiri mumalipira chiwongola dzanja chachikulu. Komabe, pali njira zingapo zomwe ngakhale anthu omwe ali ndi mbiri yoyipa angapeze ngongole yovomerezeka.
- Ngongole zodalirika: M'malo moyesa kubweza ngongole kuchokera kwa wobwereketsa wosadziwika yemwe angakulipitseni chiwongola dzanja chachikulu, sankhani ngongole yokhazikika kuchokera kwa wobwereketsa wokhazikika. Ena mwa mabanki apamwamba omwe amapereka ngongole zachitetezo ndi Wells Fargo, PNC, Fifth Third Bank, ndi KeyBank. Pomwe wobwereketsa adzawona ngongole yanu, muyenera kukhalabe ndi mwayi wokhala ndi mbiri yoyipa chifukwa mudzayenera kupereka chikole.
- Co-kusaina: Cosigner ndi munthu amene amatenga ngongole ya ngongole yanu. Wobwereketsa amagwiritsa ntchito ngongole ndi ndalama za munthuyo posankha ngati angavomereze kapena ayi. Ndipo ngati simungakwanitse kubweza zolipirira, wopezayo ayenera kulipira. Ngati mungapeze wina yemwe ali ndi mbiri yabwino komanso wolandila ndalama wofunitsitsa kusaina, simuyenera kukhala ndi vuto kuti mulandire ngongole yopanda chitetezo.
- makhadi opanda cheke cha ngongole: anthu omwe ali ndi mbiri yoyipa amakhala ndi zosankha zingapo za kirediti kadi. Choyamba ndi kutsegula khadi ngongole yotetezedwa , zomwe zingakupatseni mwayi wovomerezeka, koma sizikulolani kubwereka ndalama. Kapena, mutha kupita ku kirediti kadi yosatetezedwa ka ngongole yoyipa, yomwe singafune ndalama koma ingakulipireni ndalama zambiri. Pomaliza, itha kukhala wogwiritsa ntchito ovomerezeka pa kirediti kadi ya wina. Munthu ameneyo akhoza kukulolani kubwereka ku ngongole zawo.
Kodi ngongole zanu pazokha sizoyang'ana ngongole?
Makampani ambiri obwereketsa ndalama amakhala ndi mwayi wogwira ntchito ndi omwe amabwereketsa ngongole zoipa. Koma ngongole zanu popanda kuwunika ngongole ndi zina. Obwereketsa omwe amapereka ngongolezi angaganizire mbali zina zachuma chanu, monga mbiri yantchito yanthawi zonse ndikuwunika akaunti, m'malo mongowunika ngongole. Obwereketsa ena sangadandaule ndi m'modzi.
Ngongole zomwe sizifunikira kuwerengetsa ngongole zimaphatikizapo tsiku lolipira ndi ngongole yamagalimoto. M'malo mongofufuza ngongole, angafunike kudziwa zambiri kuakaunti yakubanki, umboni wa ndalama zomwe muli nazo, komanso nambala yolandila.
Ngongole izi zimakhala ndi nthawi yochepa yobweza, nthawi zambiri kuyambira milungu ingapo mpaka mwezi. Ngongole za Payday sizitetezedwa ndipo nthawi zambiri zimayenera kubwezeredwa tsiku lotsatira lisanachitike. Ngongole zamagalimoto, komano, zimatetezedwa ndi mutu wa galimoto yanu.
Obwereketsa omwe amapereka ngongole yolipira tsiku lolipira ndi mutu wamagalimoto amathanso kuperekanso ngongole zazifupi zomwe zimalola kuti miyezi ingapo ibweze ngongoleyo. Ngongole izi zomwe zimaperekedwa ndi omwe amalipira ngongole yolipirira ndalama komanso mutu wagalimoto nthawi zambiri amakhala ndi chiwongola dzanja chachikulu, koma mutha kukhala ndi chaka chimodzi kuti mulipire ngongolezo.
Zomwe muyenera kukumbukira ndi ngongole zanu popanda kuwunika ngongole
Obwereketsa omwe amayesa kubweza ngongole amatero kuti adziwe momwe wobwereka aliri woopsa ndikukhazikitsa chiwongola dzanja chake molingana.
Ngati kulibe ngongole ya ngongole yomwe ikukhudzidwa, zikutanthauza kuti wobwereketsayo akuika pachiwopsezo chachikulu kuti akupatseni ndalama, ndipo mutha kuyembekezeranso chiwongola dzanja chambiri. Mwachitsanzo, ngongole za Payday, zitha kukhala ndi ndalama zochokera $ 10 mpaka $ 30 pa $ 100 iliyonse yomwe mumabwereka, zomwe zikufanana ndi kuchuluka kwapachaka mpaka 400% (kapena kupitilira apo).
Ndi mitengo yokwera komanso chindapusa komanso kubweza kwakanthawi kochepa, mutha kukhala munthawi ya ngongole pomwe mumakakamizidwa kutenga ngongole zatsopano kuti mulipire zakale. Izi zikachitika, mutha kulipira chindapusa chimodzimodzi ndi chiwongola dzanja mobwerezabwereza popanda kuchotsa ngongole. Ndipo mutakhala ndi ngongole yapa galimoto, mutha kutaya galimoto yanu ngati simungathe kulipira ngongoleyo.
Pakafukufuku wa Consumer Financial Protection Bureau, bungweli lapeza kuti opitilira 80% omwe amabweza ngongole kubweza amalipira, kapena kubwerekanso, pasanathe masiku 30, ndipo oposa 40% a omwe amabweza ngongole zapa payday omwe amabweza ngongole zapaintaneti amalipira ngongole.
Pomaliza, obwereketsa ena omwe amapereka ngongolezi sakanena chilichonse chobweza kubweza kumaofesi atatu akuluakulu ogulira ngongole. Ngati mungalandire ngongole yosanenedwa, simungagwiritse ntchito kuti mumangenso mbiri yanu yangongole.
mapeto
Musanalingalire za mtundu uliwonse wa ngongole yobwereketsa ngongole, ndibwino kuti muwonetsetse kuti mulibe mwayi wopeza ngongole yangongole yanthawi zonse. Zovuta zanu zitha kukhala zabwinoko kuposa momwe mukuganizira, popeza pali ambiri obwereketsa omwe angaganizire anthu okhala ndi mbiri yoyipa.
Zamkatimu
- Ngongole zopanda ngongole
- 4 obwereketsa abwino kwambiri omwe samapereka ngongole za ngongole
- Komwe mungapeze ngongole popanda kuwunika ngongole
- Wobweza Patsiku:
- Malo ogulitsa:
- Wobwereketsa mutu wagalimoto:
- Ndalama zochokera kubanja / abwenzi:
- Njira zina zopanda ngongole za ngongole
- Kodi ngongole zanu pazokha sizoyang'ana ngongole?
- Zomwe muyenera kukumbukira ndi ngongole zanu popanda kuwunika ngongole
- mapeto