Kuqikelelwa ukuba ama-80% abantu baseMelika banamatyala ukuya kuthi ga kwinqanaba elithile, kwaye uninzi lwabemi baseMelika babanjiswe kukungaze kuphele kwetyala. Amakhadi etyala, amatyala ezonyango, ukuhlawulwa kwemali mboleko… kulula ukulahla umkhondo wayo yonke loo mali uyityalayo.
Kodwa kwabanye abantu, imali mboleko yokudityaniswa kwamatyala iyimpendulo.
Ngamaxabiso enzala asezantsi, iimali mboleko eziguquguqukayo, kunye nemigqaliselo efanelekileyo yokuhlawula, iinkampani zokudityaniswa kwamatyala ziyindlela elungileyo yokuhambisa amatyala ahlukeneyo intlawulo enye ekulula ukuyilanda .
Apha sijonga olona lawulo lokudityaniswa kwamatyala kwaye siphendule ii-FAQs ukubona ukuba ukudityaniswa kwetyala kukulungele na.
Ezona nkampani ziDibeneyo zokuDityaniswa kwamatyala kwi2021
- Ukuphinda uhlawule imali mboleko yakho - Ukukhawulezisa iMali-mboleko
- Inkonzo enkulu kubathengi - Imali mboleko zerocket
- Iluncedo ngokuthelekisa amaxabiso eAPR ahlukeneyo - Umthi obolekisayo
- Ilungele amanqaku afanelekileyo okuthenga ngetyala- Imali mboleko
- Rhoqo inenzala ephantsi- inzala- UkuKhanya
- Igama elithembekileyo-UMarcus nguGoldman Sachs
- Iwebhusayithi ekulula ukuyisebenzisa-Inkonzo yokuBoleka uLungelo
1. Ukukhawulezisa iMali-mboleko -Eyona ilungileyo yokuDibanisa amatyala kwiMredge
Inzala yenzala ephezulu iba ngumdla wenzala obambeleyo
Ukukhawulezisa iMali mboleko yinkonzo eyodwa yokuqinisa ityala. Endaweni yokubonelela ngeemali mboleko ezahlukeneyo kumaxabiso wenzala ahlukeneyo, ikuvumela ukuba udibanise ityala lekhadi letyala kwiintlawulo zakho zobambiso. Yenye yezona mali zibalaseleyo zokubolekwa kwemali mboleko ejikeleze.
Uninzi lwamakhadi etyala lihlawulisa malunga ne-15% ye-APR, ngelixa inzala yemali mboleko ikho malunga ne-3-4% .
Ngokudibanisa inzala ephezulu yamatyala etyala kwimali mboleko enenzala ephantsi, ungagcina isixa semali esibalulekileyo kwixesha elide. Inzala kwiintlawulo zobambiso zihlala zihlawulwa kwirhafu- oku akunjalo kwimeko yetyala eliqhelekileyo lekhadi letyala.
Zininzi izicwangciso ezikhoyo ngokuxhomekeke kwipropathi yakho kunye nemigaqo yemali mboleko oyifunayo, nangona ikho Iminyaka-15 yemali-mboleko emiselweyo kwaye Iminyaka engama-30 yemali-mboleko emiselweyo lukhetho oludumileyo. Qiniseka nje ukuba ungazalisekisa imigaqo yokubuyisa ngaphambi kokubeka indlu yakho phezu kwetafile.
Mbini. Imali mboleko zerocket -Eyona ilungileyo xa ufuna imali ngokukhawuleza
- Imali mboleko: $ 2,000 ukuya kwi-45,000 yeedola
- APR: 7.16% ukuya kwi-29.99%
- Min. amanqaku etyala: 620
- Ukulinganiswa kweBBB: A +
Imali mboleko zerocket zibonelela ngamanani emali mboleko yokudityaniswa, naphina ukusuka kwi- $ 2,000 ukuya kwi- $ 45,000, ngokweprofayile yakho yamatyala. Inqaku lemizuzu yekhredithi ekufuneka uyenzile yile 620 , apho amaMelika amaninzi ngethamsanqa angena kuwo.
Abemi kuwo onke ama-50 ase-US banokufaka isicelo.
Imali mboleko zerocket zinokubonelela inkxaso yemini enye kwimali mboleko efikelela kwi-25,000 yeedola, kwaye kukho inkqubo yokwenza isicelo kwi-Intanethi elula kakhulu kunenkampani ezininzi zokuhlawula amatyala. Nangona kunjalo, i-APR yabo ikwicala eliphezulu, ke yigcine engqondweni xa ufaka isicelo.
3. Ukuboleka umthi -Okugqwesileyo kukujonga abaBolekisi abaninzi
Thelekisa ababolekisi abohlukeneyo
Ukuba ujonga ezona mboleko zibalaseleyo zokudityaniswa kwamatyala, ungajongi ngaphezulu kweLendingTree. Le webhusayithi ikuvumela ukuba thelekisa ababolekisi abohlukeneyo ukufumana oyena mntu ubolekisayo ngeemfuno zakho.
Ngamanye amagama, awudingi ukuya kumbolekisi ngamnye kwaye ucele ikhowuti ngokwahlukeneyo-I-LendingTree ikwenzela konke.
Ngokucofa nje ezimbalwa apha naphaya, i-LendingTree ikuvumela ukuba uthelekise ababolekisi ngokwabo imigaqo yemali mboleko, APR, iimfuno zeFICO, kunye nokuninzi. Unokwazi ukuhlela iimali-mboleko nge-APR ephantsi okanye ukuhlawula imali-mboleko ephantsi, ukufumana isicwangciso sokudibanisa ityala elisebenza kakuhle kuhlahlo-lwabiwo mali.
Zine. Imali mboleko -Eyona ilungileyo kwiKhredithi elungileyo
Imali mboleko: $ 5,000 ukuya kwi-40,000 yeedola
Imalimboleko ehlawulelwayo lukhetho olufanelekileyo ukuba ufumene ikhredithi efanelekileyo kwaye ucinga ukuba unako ukuhlawula iintlawulo zenyanga ezichaziweyo kwimigaqo yemali mboleko. Ukwamkelwa liZiko eliNgcono leShishini nge Inqanaba + , Imali mboleko eziHlawulwayo ziyaziwa ngenkonzo yabathengi yeenkwenkwezi kunye nezibonelelo ezinkulu.
Into elungileyo ngale nkampani kukuba bakubonise ezinye iindlela ngaphambi kokukufaka kwimali mboleko yokudityaniswa kwamatyala - ayiziva ngathi bazama ukukubambisa.
Bathetha ngogqithiso lwemali eseleyo, ukulingana kwamakhaya, kunye nemali mboleko yomntu njengezinye iindlela zokudibanisa kunye nangaphambi kokuba bakwenze umnikelo. Mna ngokobuqu ndiyathanda xa ababolekisi abakwi-intanethi kwimali mboleko yakho bengakwenzi uzive ubanjisiwe.
5. UkuKhanya -Okugqwesileyo ngamaxabiso amaNzala asezantsi
- Imali mboleko- $ 5,000- $ 100,000
- APR - 4.49% - 20.49%
- Amanqaku amancinci etyala-i-660
- Inqanaba leBBB-A + (inkampani yabazali)
I-LightStream ibonelela ngeemali-mboleko eziphezulu kakhulu ukuya kuthi ga kwi-100, 000 yeedola, ke kunokuba yeyona ndlela ilungileyo ukuba unetyala elinetyala elifuna ukudityaniswa.
I-LightStream ikwabonelela nge-APR yokhuphiswano kunye nemigqaliselo yenyanga yokuhlawula, ke ilungile kwabo banekhredithi efanelekileyo. Unokufumana kwakhona ubude bexesha leminyaka emi-2 ukuya kwesi-7 , Ukunika ukuguquguquka okukhulu kwembuyekezo.
Inkampani yabazali beLightStream, iTruist, inenqanaba le-A + BBB. Olu luphawu olulungileyo lokuba inkampani ayinasithunzi, nokuba ayilinganisiwe kwicandelo le-LightStream uqobo. Imfuno yekhredithi ye-660 ingaphezulu kancinci kuninzi, kodwa iyavakala xa unikezela ukuya kuthi ga kwi-100k yeedola.
6. UMarcus NguGoldman Sachs - Eyona Ndawo ilungileyo yokufumana amanqaku ngeKhredithi
Imali mboleko: $ 3,500- $ 40,000
Ukuba ufuna imali mboleko yokudityaniswa kwamatyala ebonelelwe ngegama elithembakeleyo, ayifumaneki ngakumbi kunakuMarcus nguGoldman Sachs. Umnikelo ukhuphiswano APR kunye nemali mboleko efikelela kwi-40, 000 yeedola, kulula ukubona ukuba kutheni abantu abaninzi bekhetha le mali-mboleko yembolekisi ngaphezulu kwezinye.
Nazi akukho ntlawulo yokuvela okanye intlawulo yasemva kwexesha , kwaye unokufumana ubude bexesha lokuhlawulwa kwemali mboleko naphina ukusuka kwiminyaka emi-3 ukuya kwiminyaka emi-6. Nangona kunjalo, iimali mboleko zingathatha ukuya kwiintsuku ezi-4 zeshishini ukuvela kwiakhawunti yakho emva kokuba kwenziwe isivumelwano, ngenxa yoko uMarcus nguGoldman Sachs akalunganga ukuba ufuna imali ngokukhawuleza.
7. Inkonzo yokuBolekisa ngenkululeko-eyona ilungileyo ukuze yamkelwe ngokukhawuleza
Imali mboleko- $ 2,000 ukuya kwi- $ 100,000
Inkonzo yokuBolekisa ngenkululeko inikezela ngemali mboleko yobuqu naphi na ukuya kuthi ga kwi-100,000 yeedola, kungakuhle ke ukuba abo banamatyala amaninzi ekhadi letyala okanye amatyala ezonyango ahlawule. Imfuno yabo yemizuzu yekhredithi ayichazwanga, ke isebenza kwimeko-nge-imeko.
Unokunikwa imali mboleko esisigxina okanye eguqukayo ukusuka kwi-7.99% ukuya kwi-29.99%.
Ubude bexesha lokuhlawula buya kusuka Iminyaka emi-2 ukuya kwemi-5 , Ke kukho ubhetyebhetye kodwa hayi kakhulu njengabanye ababolekisi.
Nangona kunjalo, i-LLS iqinisekisa ukwamkelwa ngokukhawuleza kwi Iiyure ezingama-24 okanye ngaphantsi (ngesiqhelo), ke kunokuba lula ukuvumelana malunga naloo mali mboleko kwaye ufumane ukurhola imali ngokukhawuleza ukumisa intaba yakho yamatyala ekukhuleni ngakumbi.
Eyona mibuzo ilungileyo yokuDityaniswa kwamatyala
Yintoni iMali mboleko yokuDityaniswa kwamatyala?
Imali mboleko yokudityaniswa kwamatyala luhlobo lwemali mboleko yomntu ehlanganisiweyo amatyala amaninzi angakhuselwanga ibe nye, intlawulo ekulula ukuyilawula. Inkampani yokudibanisa ityala ihlawula amatyala akho kwaye iwagqithisele kwityala elitsha kunye nawo, ke unentlawulo enye kuphela yokugcina umkhondo wayo.
Ukudityaniswa kwamatyala kubandakanya kuphela ityala elingakhuselwanga , Intsingiselo yamatyala angabophelelwanga kwinto ebonakalayo (oko kukuthi, indlu okanye imoto) kwaye ayixhaswanga ngomnye umntu ngemali.
Ungasebenzisa ukudityaniswa kwetyala kwizinto ezinje:
- Ityala lekhadi letyala
- Amatyala ezonyango kunye neendleko
- Imali mboleko yomntu
- Imali mboleko yomhla wokuhlawula
Nangona kunjalo, awungekhe usebenzise ukudityaniswa kwamatyala kwizinto ezinje ngobambiso lwakho okanye ukuhlawulwa kwesithuthi, njengoko oku kuthathwa njengemali mboleko ekhuselekileyo.
Ukudibanisa amatyala akho yindlela entle yokuba abanye abantu balawule intlawulo yabo yenyanga kwaye baqale ukuphucula imeko yezemali. Nangona kunjalo, imali mboleko yokudityaniswa kwamatyala inokubangela ukuba uhlawule inzala ngaphezulu kwexesha elide, ke kubalulekile ukujonga ushicilelo olululo ngononophelo.
Iindlela ezizezinye zokuhlawula amatyala
Ngelixa ukudityaniswa kwamatyala ekhadi letyala kusebenza kubantu abaninzi, kukho ezinye iindlela zokuphucula iimali zakho ezinokusebenzela wena, kuxhomekeke kwimeko yakho.
- Indlela ye-Snowball : oku kubandakanya ukuhlawula imali yakho eseleyo kuqala, ukuze ungalinciphisi inani lamatyala ozama ukuwasombulula.
- Indlela yeAvalanche : oku kubandakanya ukuhlawula amatyala akho ngeyona nzala iphezulu kuqala, ujonge ukonga eyona mali kwixeshana elifutshane.
- Thethana nabo ubatyalayo : Ababolekisi abaninzi abacingi ukuzama, kodwa ungathetha-thethana nababolekisi kunye namaqabane abolekisa ngefowuni, ngokwakho, okanye nge-imeyile… tsalela iinkampani zakho zamakhadi etyala ngokwahlukeneyo kwaye uthethathethane ngendlela eyiyo yokuhlawula imali kancinci.
Imali mboleko yokudityaniswa kwamatyala sisixhobo esinye sendlela yokubuyisa imali-qiniseka ukuba ujonga zonke iindlela ngaphambi kokwenza isigqibo.
Yeyiphi iBhanki eyiyeyona ilungileyo yokuDibanisa iMali mboleko?
Akukho nanye Eyona nkampani ilungileyo yemali mboleko yokudityaniswa kuba izibonelelo ziyahluka ngokungathandabuzekiyo kuxhomekeke kumgangatho wokuthenga ngetyala, ukuba ufuna ukuboleka malini, kunye nezinye izinto ezahlukeneyo ezimisela ukuba ungakulungela na ukubolekwa imali yokudityaniswa.
Xa ujonga ezona mali mboleko zibalaseleyo zokudityaniswa kwamatyala, kuya kufuneka ujonge ezi zinto zilandelayo kwaye wenze ukubala ukuze ubone ukuba ingaba imali mboleko yokudityaniswa kwetyala ayizukubhatala na ekuhambeni kwexesha.
Yintoni amanqaku akho ngetyala? (Fico)
Amanqaku akho etyala alinganiselwa kwindlela osebenzisa ngayo amakhadi etyala kunye nezinye iintlobo zemboleko mali yakho. Ukuba uhlawula amatyala akho rhoqo nangexesha ngaphandle kokuphoswa ziintlawulo, uya kuba nakho amanqaku amahle okuthenga ngetyala .
Kwelinye icala, ukuba uphoswa ziintlawulo, max ngaphandle kwamakhadi etyala, kwaye ungachithi ngokufanelekileyo, usenokuba unayo amanqaku amatyala amabi , ngamanye amaxesha kuthiwa yireyithingi okanye inqaku leFICO.
Amanqaku emboleko aphulwe kula manani alandelayo:
- 300-579 = Imbi
- 580-669 = Efanelekileyo
- 670-739 = Kulungile
- 740-799 = Kulunge kakhulu
- 800-850 = Ikhethekileyo
Ukuba ufumene ityala elimpofu okanye elifanelekileyo, akunakulindeleka ukuba unikwe ityala elikhulu lokudityaniswa kwamatyala ngenqanaba lenzala elungileyo. Kungenxa yokuba imbali yakho yetyala ibonisa ukuba umbi ekuhlawuleni ityala, ke ubeka umngcipheko omkhulu kubabolekisi.
Usenokungafumani sibonelelo konke konke kwaye unyanzelwe ukuba uthathe amanyathelo lungisa ityala lakho Ekuqaleni.
Kwelinye icala, abo banamatyala amahle, amakhredithi alungileyo kunye nekhredithi esemagqabini babonakalisile ukuba banoxanduva xa kusiziwa kwinkcitho yamakhadi etyala kunye nokuhlawula amatyala abo.
Aba bantu banobungozi obuncinci banokunikwa amaxabiso amahle ekhadi letyala, inzala, kunye nemali mboleko yokudityaniswa kwamatyala.
Ngawaphi amaxabiso amaNzala onokuthi uwafikelele?
Kungcono ukuba amanqaku akho etyala, ngcono inqanaba lenzala ukuba libekho. Inqanaba lenzala elisezantsi lihlala linikezelwa kwabo banamatyala amahle abanokuthi bahlawule ityala labo elitsha ngokufanelekileyo. Abanye ababolekisi banokunikezela ngenqanaba lenzala ephantsi njengenxalenye yesibonelelo esikhethekileyo kubathengi abatsha.
Intlawulo yenzala inokubonakala ngathi incinci, kodwa inokubambelela ngokuhamba kwexesha.
Inzala edibeneyo kuxa intlawulo yenzala iqala ukukhulisa ityala lakho ngokubalaseleyo, njengebhola ekhephu ekhula ngokuba nkulu nanjengoko iqengqeleka induli ekhephu. Oku kunokwenzeka ngokulula ukuba wenza ezona ntlawulo zincinci inyanga nenyanga kungekho enye into.
Qinisekisa ukuba inzala yakho iyafikeleleka!
Ukuba unamakhadi amathathu etyala owahlawulayo, onke anenqanaba lenzala eliyi-7.5%… ngekhe kube sengqiqweni ukutshintshela kwimali mboleko yokudityaniswa kwamatyala ngenzala ye-12.5%.
Ngelixa intlawulo enye kulula ukuyilawula, uhlawula i-5% ngaphezulu inzala njengoko iinyanga zihamba.
Uyimalini Imali-mboleko Yakho?
Imali ofuna ukuboleka iya kuthi inyanzelise ukuba ungaya phi kwimali mboleko yakho yokudibanisa. Ukuba ujonge ukuboleka kuphela i-2, 000 yeedola, kunokwenzeka ukuba ufumane izibonelelo ezininzi ezivela kubabolekisi abohlukeneyo kuba i-2 000 yeedola yimali encinci yemali ebolekisayo- ayisiyongozi kubo.
Nangona kunjalo, ukuba ufuna ukuboleka i-50, 000 yeedola kwimali mboleko yokudityaniswa kwamatyala, uya kuba nexesha elinzima kakhulu lokufumana umbolekisi ukuze akunike imali mboleko yakho. Kungenxa yokuba i-50, 000 yeedola yimali mboleko ephezulu kakhulu kwaye ke, ngenxa yoko, inobungozi kwinkampani.
Cinga ngenyameko malunga nemali-mboleko yakho. Imali mboleko yomntu engakhuselekanga ikakhulu kukungcakaza kombolekisi. Kuba ezi mboleko zomntu zingakhuselekanga azikhuselekanga ngento yomzimba efana nendlu okanye imoto, umbolekisi kufuneka nje axhomekeke kwimbali yakho yamatyala ukuqikelela ukuba ungazihlawula ngokupheleleyo okanye hayi.
Umntu ophakathi kunokwenzeka ukuba ahlawule imali mboleko engakhuselekanga eyi- $ 2,000 kune- $ 50,000 efanayo.
Funda iMigaqo neMiqathango ngononophelo
Imalimboleko yokudityaniswa kwamatyala inokubonakala ngathi ukuphuma kwikhadi lasimahla lasejele, kodwa akusoloko kulula. Ukuba ufumene amanqaku afanelekileyo okuthenga ngetyala, unganikwa inzala esezantsi kunaleyo yamatyala akho ahlukeneyo.
Nangona kunjalo, iinkampani ezininzi zisebenzisa amaxesha entshayelelo kwiirhafu zabo ze-APR.
Umzekelo, unokubona ukuba inkampani ikunika i-7% ye-APR ephantsi kangangeenyanga ezili-12, kodwa emva koko inyuka isuka kwi-7% iye kwi-16%. Ukuba awuhlawulanga imali eseleyo kwiinyanga ezili-12, ngequbuliso uza kuba neentlawulo zenyanga eziya zibiza kakhulu.
Musa ukubanjiswa yiminikelo yokwazisa - soloko ufunda ukuprinta okuhle!
Kananjalo uya kuhlala ufumanisa ukuba imali mboleko yokudityaniswa kwamatyala iza nokukodwa umrhumo wemali mboleko . Le ntlawulo yemvelaphi ihlawuliswa kuwe yokuseka ityala lokudityaniswa kwamatyala, kwaye ihlala ixabisa naphi na ukusuka kwi-1% ukuya kwi-8% yemali mboleko.
Gcina iliso ngaphandle kwaloo ntlawulo yemvelaphi ekuprintweni okuhle!
Ngaba ukubolekwa kwemali mboleko kuchaphazela amanqaku akho?
Ewe imali mboleko yokudityaniswa kwamatyala inokuchaphazela kakubi amanqaku akho etyala kwaye ibangele ukuba ilahle amanqaku okwethutyana, kodwa iziphumo ziya kuba zezethutyana ukuba nje uhlawula ityala lakho elitsha ngokufanelekileyo.
Ezi mboleko zobuqu zifuna umbuzo onzima Kwimbali yakho yamatyala, ngokuchaseneyo nokutshekishwa kwekhredithi ethambileyo ngamanye amaxesha ufumana xa inkampani iqhuba ukujonga imvelaphi kuwe.
Njengoko amagama esitsho, umbuzo onzima ulimaza amanqaku akho etyala, kodwa itshekhi ethambileyo ayenzi njalo.
Imali mboleko yokudityaniswa kwamatyala isebenza kakuhle ukuphucula amanqaku akho ukuba uwasebenzisa ngokufanelekileyo. Nangona kunjalo, ukuba ufaka isicelo sokudityaniswa kwamatyala kwaye ulahlekelwe ziintlawulo kuloo nto, inqanaba lakho letyala alizukuhamba kakuhle.
Okukwintsusa: Yeyiphi iBhanki eyiyeyona ilungileyo yokuDibanisa iMali mboleko?
Ukuba unamatyala amaninzi enzala ephezulu kufuneka uyeke, kwaye unako ukuwafaka kwisikimu semali-mboleko enenzala ephantsi, emva koko Ukukhawulezisa iMali-mboleko inokuba sisisombululo esikhulu kuwe, kunye nabo imali ebambekayo yeminyaka eyi-15 kunye neminyaka engama-30 yokubambisa Ukuguqula amatyala akho abe ziintlawulo eziphantsi zenyanga.
Nangona kunjalo, ukuba ukhetha ukungayibeki indlu yakho phezu kwetafile, siyacebisa Imali mboleko zerocket njengenkampani ebalaseleyo yokuhlanganisa amatyala kunye. Bafuna kuphela i Amanqaku e-620 FICO, kwaye unokufumana inkxaso-mali kwi- kwangaloo mini njengesicelo sakho, ke ilungele xa ufuna imali ngokungxama!
Nokuba yeyiphi na inkonzo oyikhethayo, siyathemba ukuba uyakufumana umbolekisi ogqibeleleyo kwiimfuno zakho zokudityaniswa.
Uphengululo kunye neenkcazo ezipapashwe apha zezo zomxhasi kwaye azibonisi mgaqo-nkqubo osemthethweni, isikhundla okanye izimvo zaBabukeli.
