Abantu abaninzi baya kufuna okanye bafune ukusebenzisa imali-mboleko yobuqu ngelinye ixesha ebomini babo. Nokuba ufuna ukudibanisa ityala lekhadi letyala okanye mhlawumbi uphucule ikhaya lakho, iimali mboleko zakho zinokuba yindlela elula, enoxanduva yokuphatha imali yakho.
Nangona kunjalo, njengaso nasiphi na isigqibo esikhulu semali, kuya kufuneka usenze ngononophelo.
Yenza uphando lwakho malunga nabanikezeli bemali mboleko kwi-Intanethi, kwaye uqiniseke ukuba unokuyiphumeza ngokufanelekileyo imigaqo. Ngelishwa, baninzi ababolekisi bezilwanyana abazama ukukunika ithemba okanye isixa esikhulu sangaphambili kodwa baya kuthi ekugqibeleni babeke emngciphekweni ikamva lakho kwaye bonakalise nembali yakho yamatyala.
Sijonge ezinye zeenkampani zemboleko zemali ezaziwayo ukukunceda ufumane eyona mali mboleko yomntu kwiimfuno zakho. Qhubeka ufunda ukuze ubone abona babolekisi bababolekisi babalaseleyo.
Ababoneleli ngeMali mboleko ephezulu: Jonga kuqala
- Oyena Mboneleli oBolekileyo ngokuBonke - LoVulindlela
- Eyona ilungileyo kwiMali-mboleko yobuNtu engaKhuselwanga yeNqanaba- Ukukhawulezisa iMali mboleko (iMali mboleko yeRocket)
- Ukhuphiswano lweRhafu yeMali mboleko yoMntu - UkuKhanya
- Eyona ilungele iMali mboleko yobuNtu yokuFunda I-SoFi
- Flexible Iinjongo zeMalimboleko - Ngaphezulu
- Oyena mntu ubolekisayo ngetyala elibi- Ngaphambi
- Eyona ilungele amaKhanada - Ifowuni
- Ukudibanisa Ababoleki Abasemngciphekweni oMkhulu kuBabolekisi beMali mboleko- ZippyLoan
1. LoVulindlela -Owona Mboneleli weMali mboleko yoMntu oBalaseleyo
Bendlela I-LoanPioneer ikunxibelelanisa nenethiwekhi ethembekileyo yababolekisi. Kwaye ngenxa yokuba inkampani ayihlawulisi nto ngenkonzo yayo, inokubenza bagqame kwipakethi, ngokungafaniyo nokhetho oluphezulu kuluhlu lwethu. Qinisekisa ukuba ungummi wase-US okanye umhlali osisigxina ngaphambi kokuba ube nethemba eliphezulu, nangona kunjalo. Ngelixa inokuthi iqhube ukutsalwa nzima kwekhredithi, inqanaba lokuvunywa okukhawulezileyo likaLoanPioneer linokufika ngokufanelekileyo ukuba ufuna imali yokusetyenziswa okungxamisekileyo. Unokwenza ukuba iimali zakho zilungele kwangoko ngosuku loshishino olulandelayo! Le nkampani inama-APR angakhuphisani, ubuncinci ngokuthelekisa, ukuqala kwi-5.99%. Kodwa abayikhawuleli ekusebenziseni imali mboleko, ngokungafaniyo nabanye ababoneleli. Nokuba ufuna ukudibanisa ityala, ukuphucula ikhaya lakho, ukuya eholideyini, njl., Unokufanelekela ukubolekwa imali, okanye nangaphezulu, kubabolekisi beLoanPioneer. Bendlela Ukukhawulezisa isigebenga egumbini xa kufikwa kulawulo lwezemali kwi-Intanethi. Baxhasa ngemali imali-mboleko enkulu kunye nemali mboleko kwi-brand yesibini, iRocket Loans. Ukuphinda uhlawule imali mboleko, nazi ezimbalwa ababolekisi bemali ebanjiswa ekhaya ukucingela. Banokuvuma abafaki zicelo abanamanqaku etyala ngezantsi nje ngama-640 , Oyixolela intle. Ukuba unembali enkulu yetyala, unokufumana i-APR esezantsi njenge-7.141%. Ngenxa yeenkqubo ezikwi-intanethi ezimiselweyo zikaQuicken, banokuhlala benikezela ngeyona mvume yemali ikhawulezayo, ngamanye amaxesha ngaphakathi kweentsuku ezi-2-4. Ukukhawulezisa kuphela iimali mboleko kubemi base-US okanye kubahlali abasisigxina. Bendlela I-LightStream ibonelela ngenzala ekhuphisana kakhulu. Ayisiwo kuphela amaxabiso asezantsi, kodwa aqinisekisa amaxabiso asezantsi kunababolekisi abakhuphisanayo kwaye baya kubetha nayiphi na enye i-APR nge-0.1%. Ngembali elungileyo yetyala, unokufumana i-APR efanelekileyo. Ngamanqaku aphezulu emboleko yekhredithi, unokufumana i-APR esezantsi njenge-2.49%! Kodwa lumka, I-LightStream iqhuba 'ukutsala nzima ukukhangela amatyala , ezinokuchaphazela amanqaku akho etyala. I-LightStream ngamanye amaxesha inokuvuma iimali mboleko kwaye ifake imali ngaphakathi kosuku olunye. Ngawona manqanaba aphezulu emali mboleko yomntu buqu, i-Lightstream ibonelela ngeyona mali mboleko yomntu ibalaseleyo kwaye ilungele ukudityaniswa kwamatyala kubantu abafanelekileyo baseMelika okanye abahlali abasisigxina. Bendlela I-SoFi yenye yemali mboleko yomntu kwi-Intanethi. Ngokwangoku banikezela ngesipho semali esiyi- $ 360 ukuba ufumana itshekhi ethambileyo kunye nemvume yemboleko-mali kubo. Ngokungafaniyo nabanye ababolekisi kweli nqaku, ungasebenzisa iimali mboleko zeSoFi ukuhlawula iindleko, ezinje ngezifundo, ezihlala zingavumelekanga kwimali mboleko. Inkqubo yokuvunywa kweSoFi iyacotha ngokuthelekiswa neRocket okanye iLightStream. Ukuvunywa kungathatha ukuya kwiintsuku ezili-11. I-SoFi inika kuphela iimali mboleko kubemi base-US okanye kubahlali abasisigxina. Bendlela I-Upstart yasekwa ngabasebenzi bakudala bakaGoogle, ke unokuqiniseka ukuba baya kucinga ngaphandle kwebhokisi xa kufikwa kwimvume yemali mboleko yakho. Imvume yabo ayixhomekekanga kwikhredithi yakho kuphela. Endaweni yokugxila kuphela kwimbali yakho yamatyala, i-Upstart izakujonga ngokwenyani amawaka ezinto ezahlukeneyo ngelixa ujonga isicelo sakho semali mboleko. Nangona kunjalo, ungavumeli ukuba amanqaku akho etyala atyibilike — iseyeyona nto iphambili ekufumaneni i-APR esezantsi. Ngelixa amazinga emali mboleko yobuqu ka-Upstart engakhuphisani njengabanye kweli nqaku, baya kukuvumela ukuba usebenzise imali yakho yemali mboleko kwezona ntlobo zininzi zeenjongo. Emva kwayo yonke loo nto, ukuba bacinga ngaphandle kwebhokisi, unakho. Ukongeza ekubeni ngummi wase-US okanye umhlali ngokusisigxina, i-Upstart ifuna ukuba ubuncinci umvuzo wonyaka we-12,000 yeedola. Bendlela Ukuba unamanqaku ambi okuthenga ngetyala, iAvant inokuba yeyona ndlela ilungileyo kuwe. Bayazamkela izicelo ezisekwe kumanqaku akho etyala ngezantsi nje ngama-580 . I-Avant ikwabonelela ngemali mboleko eqinisekisiweyo. Oku kuthetha ukuba banokubonelela ngamazinga enzala asezantsi kunye nemirhumo esezantsi yokuvela ukuba unemoto ovumayo ukuyibeka njengesibambiso. Ngenxa yokuba befumana imali kubaboleki abasemngciphekweni, ngokwendalo banamaqondo aphezulu enzala kunye nemirhumo yokuhlawula kade. Baziqhayisa ngemini elandelayo kunye nokufumaneka kwemali. Bendlela Ngenxa yokuba uninzi lweebhanki zifuna ubumi base-U.S., Abemi baseCanada baneendlela ezinqunyelwe kwimali mboleko yomntu. UFairstone ngumbolekisi waseCanada ojolise kwimali mboleko yakhe yamaKhanada. Ifirstone, ngelishwa, inikezela ngenzala yemali mboleko ethelekiswa nexabiso lenzala yekhadi letyala. Nangona kunjalo, ukuba ungumninindlu, unganikezela ngeyakho ikhaya njengesibambiso yemali mboleko ekhuselekileyo. Imali mboleko ekhuselekileyo inamaqondo wenzala asezantsi kunye namaxesha amade okuhlawula, ekunika intlawulo ephantsi kakhulu yenyanga. Khawukhumbule nje ukuba uya kuba wenza ezi ntlawulo ixesha elide, kwaye inani elipheleleyo elihlawulweyo liya kuba likhulu kakhulu. IFairstone inika kuphela iimali mboleko kubemi baseCanada okanye kubahlali abasisigxina. Yeyona ndlela ilungileyo kubantu baseKhanada. Bendlela IZippyLoan ayisiyiyo nje umbolekisi. Bayinkonzo ukudibanisa ababoleki abasemngciphekweni omkhulu kubabolekisi . Kananjalo, iZippyLoan inokunceda abathengi abanamanqaku aphantsi kakhulu emboleko kunye nembali. Kodwa njengoko unokulindela, amaxabiso aya kuba phezulu, kwaye imigaqo ayizukuxolela. Imirhumo enxulunyaniswa nemali mboleko yobuqu yeZippyLoan inokuphakama nge-30% yemali mboleko. Oku kusebenza kumatyala enzala aphezulu ngokumangalisayo. Imalimboleko enje ihlala ibizwa ngokuba yimali mboleko yomhla wokuhlawula kuba yenzelwe ukuba ihlawulwe xa kufakwe imali ehlawulwayo. Imali mboleko yomhla wokuhlawula ihlala ineyona mali isezantsi yemali mboleko. I-ZippyLoan ihlala yamkela izicelo ezivela kubabolekisi ngentlawulo eqhelekileyo. Imali mboleko yakho (ekwabizwa ngokuba yimali mboleko yentlawulo) luhlobo lwemali mboleko apho umbolekisi ekubonelela ngesixa esikhulu sangaphambili, osibuyisa ngezavenge zenyanga kangangexesha elithile. Imali mboleko isenokusuka kwi- $ 1000 ukuya kwi- $ 100000, kuxhomekeke kumanqaku akho etyala kunye nakwityala lakho kumyinge womvuzo (DTI). Ixesha lokuhlawula lihlala liphakathi konyaka omnye ukuya kwesixhenxe. Iimali mboleko zobuqu zahlukile kwezinye iimali mboleko ezisekwe kwinjongo yemali. Umzekelo, uninzi lwababolekisi aluyi kunika mali-mboleko yobuqu ngeenjongo zokuhlawula izifundo, iindleko zeshishini, okanye ngenjongo yokungcakaza. Ngaphandle kokuba unamanqaku amahle okuthenga ngetyala kunye ne-DTI esezantsi, kukho ezinye iziqinisekiso ekuya kufuneka uhlangane nazo ukuze ufumane imali mboleko yobuqu kwi-intanethi. Ubumi: Ukuba ufaka isicelo semali mboleko kwiziko lezemali laseMelika (okanye kwanababolekisi abaninzi kwi-Intanethi), banokufuna ukuba ubonakalise ubummi bakho okanye ukuhlala kwakho ngokusisigxina. Uya kudinga inombolo yokhuseleko lwentlalo phantse kulo naluphi na uhlobo lwemali mboleko. Ukuba awungommi wase-US okanye umhlali osisigxina, unokukwazi ukufaka isicelo semali mboleko kunye nomntu ovumelekile ukuba abe ngummi wase-US. Imeko yokuhlala: Ukongeza, uninzi lweebhanki okanye ababolekisi abaneeofisi ezibonakalayo baya kufuna ukuba ube nedilesi esisigxina kwimeko apho baqhuba khona ishishini. Banokukucela ubungqina, njengamatyala osetyenziso athunyelwe ngeposi kule dilesi. Ubuncinane beminyaka yobudala: Uninzi lweebhanki kunye nababolekisi abayi kuyivuma imali mboleko kuye nakubani na ongaphantsi kweminyaka eli-18 ngaphandle kwesivumelwano. Isazisi esikhutshwe ngurhulumente: Ngaphambi kokufaka isicelo semali mboleko, qiniseka ukuba unelayisensi yokuqhuba, ikhadi lokhuseleko loluntu, okanye olunye uhlobo lwesazisi esikhutshwe ngurhulumente. Ukuqesha okuzinzileyo / iNgeniso yesiqhelo: Kuya kufuneka ukulungele ukubonisa ubungqina bengqesho (ukubuyela emva kwiinyanga ezimbalwa, ngethemba) okanye eminye imithombo yengeniso. Oku kuyanceda ukufumanisa i-DTI yakho ngokunjalo. Ababolekisi banokucela isitampu sentlawulo, izitetimenti zebhanki, okanye amanye amaxwebhu. Dibana neemfuno zamanqaku okuthenga ngetyala: Umbolekisi ngamnye uya kuba neemfuno ezincinci zamanqaku etyala. Jonga inkcazo yethu yomboleki ngamnye kuqikelelo lwamanqaku amancinci omntu ngamnye ngetyala. Imali mboleko yomntu unayo izinto ezintathu zexabiso ukuqaphela ngaphambi kokuba usayine kumgca ongezantsi. Umgangatho wenzala: Kuxhomekeke kumanqaku akho etyala, imali mboleko yakho inokuba nenqanaba lenzala naphina phakathi 5% kwaye 35% . Ewe kunjalo, uya kufuna ukuphucula amanqaku akho etyala kangangoko ukuze ufumane elona zinga liphantsi. Funda nzulu malunga uyilungisa njani ikhredithi yakho . Kuya kufuneka uthathele ingqalelo elona xesha lifutshane lokuhlawula liya kukunceda ugcine uninzi lwentlawulo yenzala. Ukuba ungayihlawula imali-mboleko yakho kunyaka omnye okanye emibini, oko kungabiza kakhulu kunokuyihlawula ngaphezulu kweminyaka esixhenxe. Imirhumo yesiqalo: Ababolekisi bahlawulisa umrhumo ngokuqhubekeka kunye nokuvuma isicelo sakho semali-mboleko. Le ntlawulo ingaba phakathi kwe-1% -6% yemali mboleko iyonke. Umrhumo wokurhoxisa kwangoko: Ukuba kunokwenzeka, uya kufuna ukufumana imali mboleko yobuqu ngaphandle kwentlawulo yokurhoxisa kwangethuba. Iibhanki nabanye ababolekisi bahlawulisa le mali ukuze bahlawulele inzala abaya kuphulukana nayo ukuba uyihlawule kwangoko imali-mboleko yakho. Ngokusisiseko, esi sisihlwayo kulawulo lwemali mboleko enoxanduva. Yithintele xa kunokwenzeka, okanye uzame ukufumana eyona mali incinci yokurhoxisa inikiweyo. Imali mboleko yobuqu ihlala ingumbono olungileyo ukuba unamatyala amaninzi anenzala ephezulu, kwaye ungawadibanisa kwimboleko-mali enye ngenzala ephantsi. Ukuba unetyala lekhadi letyala elinemali eshiyekileyo kunye nenqanaba eliphezulu lenzala, imali mboleko yakho yindlela elungileyo yokonga imali kwintlawulo yenzala. Nangona kunjalo, kukho izikhombisi zokuzihlola ekufuneka uzenzile hayi uthathe imali mboleko: Ukugubungela iindleko zokuphila ezisisiseko: Ukuba uthatha imali mboleko yobuqu ukwenza intlawulo yerenti okanye yokusetyenziswa, esi sisalathiso esiyingozi sokuba unokuphila ngaphezulu kwendlela onayo. Ababoneleli bemali mboleko bayathandabuza ukuboleka imali kwezi meko kuba oko kubonisa ukuba unokuba nengxaki yokwenza intlawulo. Ukuhlawulela izinto zodidi okanye izehlo: Kananjalo ayingombono mhle ukuthatha imali mboleko yobuqu ye-elektroniki ebizayo, ubucwebe, okanye imitshato, okanye iiholide. Lo ngumkhwa ombi wezemali ongena kuwo, kwaye kungcono kakhulu ukugcina iindleko ezinje ngezi. Sebenzisa imali mboleko kutyalo mali: Utyalomali luhlala lunomngcipheko, kwaye licebo elibi ukusebenzisa imali mboleko ngenjongo eyingozi. Ukuba ithuba lakho lotyalo-mali likhuselekile, liya kuba nembuyekezo yenzala esezantsi kunemeko mboleko yakho. Ukuba utyalomali lwakho lubonisa imbuyekezo ephezulu, oko kubonisa umngcipheko ophezulu wokuba ungaphulukana nemali. Nokuba yeyiphi indlela, licebo elibi ukuthatha imali mboleko yobuqu ngeenjongo zotyalo-mali. Ukudibanisa ityala lakho kwimali mboleko enye kunye nenqanaba lenzala ephantsi kunokuba ngumbono olungileyo. Kodwa ukuba unamatyala amaninzi, oku kunokuba sisalathiso sezinye iingxaki zemali. Ngaphambi kokuba umamele izibhengezo zentengiso ezithembisa ‘intlawulo enye ephantsi yenyanga,’ cinga ngokubonisana nomphathi wezemali onelayisensi. Unokukunceda wenze uhlahlo-lwabiwo mali kwaye uqiniseke ukuba imikhwa yakho yenkcitho iwela ngaphakathi kweendlela onazo. Ukuba ufumene uhlahlo-lwabiwo mali phantsi kolawulo, ke iimali mboleko zokuhlanganisa amatyala aphezulu ziindlela ezintle zokunciphisa inzala yakho kwaye wenze lula amatyala akho. Ukuba uqala ukuphoswa ziintlawulo zakho zenyanga kwimali mboleko yakho, iya kuchaphazela amanqaku akho etyala. Ababolekisi banokusebenzisa iiarhente zokuqokelela amatyala ukuyibuyisa imali mboleko, enokujika ngokukhawuleza ingathandeki. Uya kufumanisa ngokukhawuleza ukuba ezinye iibhanki kunye nababolekisi abayi kuqhuba ishishini kunye nawe. Nangona kunjalo, ukuba unakho ukwenza ngokufanelekileyo ukubhatala inyanga nenyanga, unokukwazi ukufumana imali ekhawulezileyo eyimfuneko ukuphucula ikhaya lakho, ukuhlawula amatyala onyango olungxamisekileyo, okanye ukudibanisa ityala. Ukuba unamanqaku amahle okuthenga ngetyala kunye nomyinge ophantsi we-DTI, intlawulo enye yenyanga enye iminyaka embalwa inokukhathalela iimfuno zakho zangoko. Ukuba ikhredithi yakho ibone iintsuku ezingcono, jonga ngaphakathi LoVulindlela . Banikezela ngemali mboleko eguqukayo enokusetyenziselwa ukulungisa ityala, ukuhlawulela uphuculo lwasekhaya, ukuya eholideyini, njalo njalo! Ngenye indlela, Ukukhawulezisa iMali-mboleko lukhetho oluqinileyo ukuba ujonge iimali mboleko ezinokubakho eziphezulu. Kwelinye icala, ukuba unetyala elilungileyo, UkuKhanya ingakunika ezona APR zibalaseleyo kunye nezicwangciso zokuhlawula. Kukhetho olukhulu kwimali mboleko yokuphucula ikhaya okanye ukuqiniswa kwetyala. Imali mboleko yomhla wokuhlawula njenge ZippyLoan azikhuthazwa ngaphandle kwemeko zongxamiseko ezimandundu. Kuya kufuneka uthathele ingqalelo ujonge kwi Eyona nkampani ilungisa amatyala kwiimfuno zakho ezizodwa ngaphambi kokuba uqhubeke kwimali mboleko yakho elandelayo. Amanqaku okuphuculwa kwetyala ahlala eguqulela kumazinga angcono. Njalo qiniseka ukuthelekisa iintlawulo zenyanga nenyanga kwiintlawulo zakho zangoku ngaphambi kokudityaniswa, kwaye jonga konke ukuprinta okuhle ngaphambi kokusayina imali mboleko entsha. Uphengululo kunye neenkcazo ezipapashwe apha zezo zomxhasi kwaye azibonisi mgaqo-nkqubo osemthethweni, isikhundla okanye izimvo zaBabukeli.
Ukwamkelwa kwemali ngokukhawuleza
Mbini. Ukukhawulezisa iMali mboleko (iMali mboleko yeRocket) Ababoneleli abaGqwesileyo beMali mboleko engakhuselwanga yeNqanaba eliPhantsi
Akukho zihlwayo zangaphambili
3. UkuKhanya Ukhuphiswano lwamaxabiso emali mboleko yomntu
Akukho zihlwayo zangaphambili
Zine. I-SoFi -Eyona ilungileyo kwiMali mboleko yobuNtu yokuFunda
Akukho mvelaphi okanye iifizi ezifike emva kwexesha
5. Ngaphezulu -Iinjongo zeMali-mboleko eguqukayo
Ukwamkelwa akunyanzelekanga ukuba kusekelwe kwimbali yekhredithi
6. Ngaphambi -Eyona mali mboleko ilungileyo yeMali mboleko embi
Unika imali mboleko ekhuselekileyo
7. Ifowuni -Owona mmi-mali oBalaseleyo kwi-Intanethi kubantu baseKhanada
Unikezelo olukhuselekileyo lwemali mboleko kubanini makhaya
8. ZippyLoan -Udibanisa ababoleki abasemngciphekweni oMkhulu kubabolekisi
Amanqaku emboleko embi amkelwe
Ukukhetha uMbolekisi oLungileyo: Imibuzo yakho iyaphendulwa
Isebenza njani iMali-mboleko yakho?
Zithini iimfuno zokuQinisekiswa kweMali-mboleko yakho?
Ixabisa malini imali mboleko yomntu?
Ubolekwe nini umbolekiso wemali / umbono olungileyo?
Ngaba ukusebenzisa iMali mboleko ukuhlawula amatyala ngumbono olungileyo?
Umngcipheko kunye neziBonelelo
Eyona Mali mboleko yobuNtu: Ukuthatha
